So hello and welcome to our latest career insight episode. It's my great pleasure to be joined by Will Hobbs, who's the chief investment officer at Barclays wealth management. In fact, probably when he starts speaking, you might recognize his voice if you follow the Barclays word on the street podcast, which is always one of the most popular investing podcasts in the UK. And it's definitely one I'd recommend to everyone in our community to subscribe and follow because there's such nuggets of information that'll be super useful for when you're interviewing and things like that. In this episode, Will and I are going to have a chat about his career from school days, getting into finance, memories from early in his career to deconstructing his current role as the CIO at Barclays wealth management. But not only that, hopefully I can extract some pearls of wisdom to pass on to the community who are kind of at that very starting point of making really tough decisions about what they're gonna do for the rest of their life. And it feels like such a burden of that decision that hopefully some of your experience, Will, can break that down. But I know when you and I have chatted offline, you've had a bit of a, I guess, an untraditional path at the very beginning for someone of your seniority as where you sit right now in your position. So perhaps we could kick it off and start way back to, yeah, school days and college and what were your thoughts early on when you were starting out? So, well, Anthony, first of all, thank you for having me on the chat. Thank you for the kind words about what on the street. It's, yes, your support is much appreciated. And like I say, the team at Barclays is very grateful for all of you. Anyone who listens, in terms of this, I mean, I would tend to think that my career is an example more of the role of luck and what not to do rather than any sort of particular paths to follow. You know, it's certainly when I was, when I was growing up, what I really wanted to be was a chef. I was always obsessed with food. And I mean, I didn't really do any sort of GCCs or A-levels that would tend me towards finance. I wasn't interested in stocks and shares as a youth at all. I was obsessed with cricket and cooking, primarily, I think. Was that for your parents or were they professionals or were they not?  And they dragged me around kind of, you know, garden centers, stuff like that. So there was no real kind of, you know.  You know, maybe I should go into the army and learn some discipline.  I respond really badly to it generally. So the army wasn't for me in the end. So I was sort of, yeah, and I was sort of, I went eventually, having done A-levels, I did English, history, theology, sculpture and French literature, or French, which was to the French language and French literature. And I didn't do very well in them. I didn't work very hard for them either, which was a sort of excuse. And I ended up going to Oxford Brooks quite briefly after traveling, I sort of went outside. I worked for a bit and I saved up enough money to go out to Turkey and live in Turkey for a while. And I lived with a Turkish family in Ankara. I'd learned Turkish, so I was sent to a Turkish language school in Ankara. I'm not speaking a word and with a Turkish family, you didn't speak any English. And as I arrived, of all things, just a slight deviation, it was a military coup. And yeah, yeah, so I literally turned up for the first night in Ankara, in this flat. And I saw these tanks rolling down the streets and I asked the guy who I was living with and he had very broken English very much better than my Turkish, obviously. And he said, oh, it's just the government trying to persuade, it's just the army trying to persuade the government they are wrong. And I was like, oh, one way to do it, I guess. And so yeah, and I spent some time out there and I traveled, I was lucky enough to travel around the Middle East and I lived in Egypt for a bit and I was sort of cleaned bogs in a campsite in southern Turkey for all that while. I was kind of trying to work out what I was gonna do when I got back and I ended up cramming into a French literature course at Oxford Bridge, which I didn't really do much of, I didn't turn up very much. So I wasn't sort of very successful on that side of things. And eventually I went out to weekly and did some cooking. So I ended up as a commie chef in a very nice sort of hotel restaurant in a place called Umbria right next to Tuscany, it was a beautiful place, really amazing, ripping off tourists with huge ruffles, those kind of things. And yeah, and it was nice and I sort of, during that time, I guess I sort of started to work out that, A, I wasn't quite good enough to be a professional chef, it's such a competitive industry. And the work was unbelievable, literally, you start work at seven in the morning, you finish at three at night, you get a couple of hours sleep, then you get back and I've worked for three months and I think I've got sort of 200 quid at the end of it. And I was kind of like, wow, that's not gonna pay the bills. And so I started writing letters to lots of chief executives in the financial services industry and one of them, and many other places as well, saying please go and have some work experience and just try it out. And I guess that's where it was different to nowadays. It was, there was a way of entering some of these places without kind of going through grad schemes and so on. And one very nice chief executive called Stephen Clark said you can come and have two weeks work experience here. So it was Gerard, I was, it was a stock analyst role, I've apprenticed there a little bit, they kept me on for some reason. And yeah, I kind of got lucky. So yeah, from there it sort of, you know, that's where it kind of started, I guess. So not the traditional route might be safe. So looking at the traveling that you did, like most people will go to Bondi Beach or go to like Thailand on the beach. Whereas you've gone to, let's say, slightly different geographic areas and like traditional gap years and things like that. You've also then gone into an environment. So you've gone into a different cultural environment then you've gone into quite an intense working environment. Do you think they were, do you think you learn attributes from those experiences that were then deployed later in your career? That's a good question.  And most of the time you're kind of right, you know, you're lucky enough. And actually the difference in Island is going to Turkey and speaking Turkish. The way that people responded to you was entirely different. And also the understanding of cultural nuances that you've managed to get, just because of the difference of the language and the way the language is constructed, you know, Turkish in itself is a history lesson because, you know, Ataturk, you know, westernized the alphabet and, you know, when you tried to secularize the state and so on. And so it was a good example really of sort of what you gain from actually learning a language. And traveling around the Middle East was an eye opener.   And so, you know, it was really, really broadened my horizons, I guess. It was a great thing. I mean, it was amazing.  Whether it was sort of, you know, I think it was important.  And you start to sort of, it changes your view on what you can achieve. I think. I didn't, and then an early part of your career then as you were going through different roles and getting promotions and responsibilities and things like that, how much of it was technical know-how and an accumulation of knowledge as a, or in combination as opposed to then your ability to just get on with other people, be in an organization from a, let's say in terms of the internal bureaucracy that goes on and things like that. How much of a balance is that to try and, in your early part of your career? Well, so that's a really good question.  You know, there was the blowback from 2000 then the blowback from the great financial crisis which really meant kind of, you know, just got to try and stay employed for quite a long, you know, quite a lot of that time. And so some of that was about trying to be good, but actually also during that time, I hadn't really discovered the passion for what I wanted to do. Work was just work to a certain extent.  And so I sort of, you know, I was doing equity analysis. So I was covering consumers, consumer businesses around Europe, but it was interesting. I got to meet amazing chief executives. I didn't really quite appreciate it at the time. You know, the people I was allowed into the room with I was a little bit conceited about that kind of stuff. And I think now I look back and cringe a little bit, but you know, it was only really, you know, I think the lesson, the one lesson that I could impart that was useful to people, I think, is that at one stage during my quite far in, you know, I met a guy or I was working for a guy who was the chief practices, chief investment officer. And he had said that rather than looking the world bottom up, I should try and think about the world top down and start thinking about the macro sort of aspect. And to that extent, he sent me, you know, to do a master's degree at Birkbeck doing development economics. And it was at that point, I really discovered my interest. I know that's so tragic, isn't it? My interest was economics, you know.  But it was, you know, development economics is kind of, you know, making poor countries rich or the framework by which you could think. Once you've started thinking about it, it's almost impossible to stop thinking about it, which is again, another weird thing to say, but that was what really changed my career in a way because I suddenly found that I was really interested and it made turning up to work totally a totally different experience because also outside of work, I wanted to read associated stuff very broadly. I mean, you know, everything from guns, germs and steel to all the sort of weird texts that you get in economics and sociology and all those kinds of things, but it made the experience. And from that, I think people saw how much I was enjoying it and how much I was learning it. The technical side came because I was enjoying it more and I wanted to do more study, more masters, you know, sort of gathered momentum from there. But I do think to your point though, that, you know, a lot of it is, you know, especially in big companies, you know, a lot of it is just being a good person as much as possible.  You know, there are political players within the business. I tend to think that that's you only so far and then gets you into trouble because, you know, what you need to do is build up networks, people who you trust and they trust you and you can act over time. And over time, you sort of, the network, the bigger your network, the more your ability to get stuff done that you want to get done or that you collectively want to get done. And that makes you more effective and therefore that makes you more effective as a leadership, you know, candidate. And then networking, you just mentioned, and that's one of the things that we strongly encourage to all of the students to be interact with. But they almost look at people like you and you're kind of so senior. You're up in the ivory tower and it's like, we're just down here in the bog and it's like, how do we ever start to then communicate with someone like yourself? What would be your advice in that respect to reaching out to people within, let's say you're external to Barthes, for example, but you wanted to talk to someone there and what would be your kind of approach? I always found that, I mean, for a start, I'm always delighted to kind of meet people anyway. And so, if I've ever got diary time, I'll always kind of make time. And I found the same was true of much more senior people than I am now. When I was kind of starting, but if you sort of reach out, they weren't always, but a lot of them will turn around and say, yeah, sure, let's have a coffee or something. And as long as it's not too onerous, and I think just sharing life experiences and whatever else and those kind of things, I think people liked the feeling of passing on tips. I think it's not, yeah, I found that mostly, I was always surprised by the degree to which people did say yes. So my advice to people on the court, just give it a try. I mean, they can only say no, they won't be offended. They certainly won't be offended, they'll be flattered, I would be. I mean, a perfect example of this is me reaching out to you in a way. Because I mean, it must have been a while ago, and it's just kind of been, yeah, not a great assignment, you will. Yeah, exactly, I know. I know I feel guilty, honestly. Yeah, but like you and I didn't know each other before, and what we do now. And so, yeah, it just takes that leap of faith, I guess, especially for the young people, I think to just have the confidence to ask the question and be okay with the fact that you might not hear back. I mean, that's the... Absolutely, absolutely. Nothing ventured, nothing gained, is the old saying. And I think, you know, I mean, one thing that's been difficult in the last couple of years, trying to excuse myself as well at the same time, is that, you know, I think Zoom meetings are quite difficult, aren't they? You know, in a way, like face-to-face, there's no, it's very hard to replace that, I think. You know, that's the best form of communication, where you can be in a room with someone, go for a coffee, that kind of thing. Now, having said that, one of the things that kind of, particularly old dogs like myself have learned during this crisis, is that actually you can do more meetings if you just do Zooms. So there is a bit of a sort of a trade-off there, which is, you know, you can potentially mentor more people because, you know, it doesn't take much to do a 10-minute meeting with someone. So I think that's just two things to bear in mind. So tell me a little bit more about the role of a Chief Investment Officer, because I think as a student, you know of that in terms of a title. You don't actually know what the day-to-day entails. So maybe you can walk us through that. Well, it's different in different places, you know. So the CIO sort of, you know, means an awful lot of things to a lot of people.  So, I mean, I think the easiest way to look at it is within Barclays, you know, what we've done for the mass affluent and wealthy customers, so not the ultra-init worth up there. We have organized the investment value chain into lots of distinct parts. And what I mean by the investment value chain is what it takes, all the different activities and people it takes in order to deliver a multi-asset class diversified portfolio fund that is the highest possible quality. And if you think about it along those lines, you've got to, first of all, you've got a profile, the clients and to see what kind of what's their risk appetite, what's their appetite for losses, so on. Then you've got to start building your asset allocation. So you've got your strategic, your long-term asset allocation, your tax class allocation. Then you start going into the kind of coloring in aspects. So things like manager selection, which funds to buy, how to blend them, that kind of thing.  And so now all of the kind of the bit that comes under me is the bit of constructing the investment, you know, the multi-asset class investment funds. So kind of from the profiling all the way up to the constructed fund, that's, you know, what I'm ultimately accountable for. Now, within that there's some decisions that I'm on the hook for. So within strategic and tax class allocation in particular, you know, those decisions come up to me for yes or no. But mostly what you want in that situation, if you think about it, you don't want key person risk. You don't want some kind of, you know, me turning up one day and feeling in a different mood to the next and making a different decision with the same information. So what you have is a very organized research process, decision support tools, a sort of kind of a very kind of strictly organized meetings which take into account kind of all sorts of behavioral biases and so on that allow for a relatively consistent decision-making framework for sitting in my seat. Then there's all the sort of various governance and represent stuff that I do. So a lot of it is research, you know, making sure that I'm on top of the world's economy and markets so that when decisions do come to me, I'm able to, you know, understand and assess and handicap the information correctly. And that takes a lot of time. As you know, you know, it's understanding the world at the moment is complicated. And then there's a lot of the kind of administrative stuff which is around, you know, how decisions are made, making sure that I'm on top of all of the various bits of the investment proposition, where we're taking bets, how we're taking bets, the framework by which those decisions are being made, the people that are making them, those kind of things.  So, you know, it's a great job, I have to say. I love it. I'm really tragic. It's a great fun job. It's so different every day.  So, that makes it really fun. Most of the time. So, you just mentioned a really important thing there that I think we need to bring onto the table, which is the pressure, because you did say that for certain things you're on the hook for. And so, it's kind of like, you know, a lot of the students we have are going through different trading simulations and things like that, which is very short term, it's getting that kind of black and white result. Whereas for you, it's on a different kind of level in terms of the impact that that could have. So, what's your process for managing from a psychological perspective when you are on the hook for significant decisions? It's so hard. Yeah, it's really hard, isn't it? Because it's really hard to replicate. You know, it's a really interesting kind of behavioral problem that we face. So, I'll give you an example, so you know, and you know this well, but when we went back, we did a lot of risk profiling of our customers before 2017, 2008.  And they're like, yeah, that sounds right.   Well, I remember the people queuing outside Barclays, which is where I bank, trying to withdraw maximum deposit.  And so maintaining cool is very important. Because, you know, what we know, and this is the slightly odd kind of position we're in, in a way, and this is why, to a certain extent, within the investment teams that I'm lucky enough to represent, we kind of try and keep the people who are making the tech-to-class allocation decisions away from meeting clients in many ways.   You need to retain dispassionate, you need to continue to look at the facts as much as possible to whatever extent they can be mustered. And I think, you know, part of that, so one way we manage this, it's a long answer to a relatively simple question, but, you know, if I look back to the most recent sort of, you know, the pandemic, 2020, you know, February, March, 2020, one thing that really helped me and us there was, we'd spent quite a lot of time beforehand building decision support tools. And one of those was an investor sentiment indicator, which we back-tested, you know, very thoroughly so that we understood what the thresholds were and what the hit rate was of going in the opposite direction. So when investors were extremely depressed, if we did the opposite, bought stocks at that point, what would be the chances that we were right over, you know, whatever time period, so on and so on. And we had a very good idea of the shape of, you know, how those probabilities played out. So when it came to it, you know, when the investor sentiment indicator went off the chart, you know, that was one of the things that helped you say, right, okay, we need to do the opposite. We need to add to risk. We luckily had sufficient drive powder to be able to do so, which was luck, to be honest, you know, a lot of people went in over risk and were unlucky they had to de-risk at the bottom just because of process, whereas we'd actually de-risk beforehand, not because we saw the pandemic coming, just because we didn't see much, you know, we didn't see much excess return in the major risky asset classes at that point in January. And that allowed us to put quite a lot of high yields, you know, stocks, exposure right at the bottom.  And, you know, those kinds of questions and what you've got to do, you know, what you're protected by as a CIO and a decision maker is process, you know, speak to process and make sure that before you go into penny crises, stress tested that you're very aware of its parameters and its strengths. And you've got to have good people around you as well. And I was very lucky on both of those counts that enabled us to make the right decisions for clients. But yeah, I mean, you know, it's very difficult to replicate what it's like in a really, really messy market when you've got positions going the wrong way. It's a horrible feeling. Yeah, have you ever had that? Because obviously mental health is a very big thing at the moment for a lot of young people, particularly given the challenges of the pandemic. I mean, how do you separate? You've obviously got family and things like that. Has it ever been at a point where that stress has kind of impeded on personal life or has it always been quite clear for you and its segregation sort of? No, no, I mean, no, definitely. Yeah, definitely. I mean, I've had, yeah, I mean, yeah, in the last two years, yeah, definitely. I mean, I think one of the things that I learned about myself during this crisis is that I need to be around people to a certain extent. You know, working from home with just two small, quite aggressive dogs for company has not, you know, as a, yeah, did not really do me, do my mental health any good at all.  Everyone has stuff to deal with. Everyone's got, you know, no matter what appears, whatever facade they put on at work. And I think that facade a little bit, you know, the facade that everything's fine. I really, really like the fact that that, the need to maintain a facade, which was very much the case when I joined the city, that's kind of disappearing. People can be much more open and honest about the stuff that they're suffering at home, the stuff that they're trying to, you know, endure.  Did you have much, what's your process now of having interaction with the more junior members of staff? Because I know usually through circumstance of the living setups and things like that, they tend to be in the office a lot. Yeah. Whereas fortunately for say, you and I, there's the luxury of having a bit more space and things like that. But what's the interaction that you see now from top to kind of down in an organization? Yeah, so, I mean, it's interesting. I mean, Berkeley has been quite cautious about sort of getting people back to work in many ways. Because, you know, you've got a huge range of experiences, haven't you? You know, some people are very nervous, you know, about coming back to workspaces more generally. Some people have got used to working from home and feel very comfortable. But I feel particularly the younger colleagues have suffered a good deal in this, not just from the situation you described, which is sometimes their work environment is far from ideal. They don't have a nice, you know, an office to sort of back into and work your side of your bed and so on. You know, I'd have been in that position myself if the crisis had struck when I was sort of 18, 19, 20. Well, you know, but I think that, you know, part of the huge thing about offices and the reason why big companies or one of the reasons why big companies still exist in my opinion is this idea of knowledge spillover. You know, in economics, you know, you talk about if you get lots of people in the same space, it's very difficult to kind of replicate digitally, but knowledge just spills over usefully.   It's really, it's not quite the same, is it? I don't think it's not, it doesn't have that sort of magic quantity. So we are trying to get people back into the office as much as possible. And certainly my team, you know, we are a team that need to be back in the office, you know, two or three days a week, because knowledge spillover is really important in research. You know, and you can't, you know, you can have research meetings and we do, we have all sorts of, you know, you have bull bear debates where you force people to go on to the other side of the debate, which they currently sit on and things like that, you know, this can be organized, but otherwise I've noticed getting back into the office and particularly with the younger team members, they really kind of relish being able to sort of say, you know, share what they're reading at the moment and send it on to you and I do too, you know, I really like that kind of more informal process. And it's just nice to see people, isn't it?  So the more that we can get back to some kind of, well, I mean, I don't think we'll get back all the way, but I mean, hybrid working is a very good way of doing things in my opinion, but the more we can get back to kind of two, three days a week versus one day, one, two days a week, which we're at at the moment, we'll all be very pleased. And just going back to the kind of target audience that you have in your role as the kind of the affluent individual or family in that respect. So for the people listening on our channel, they're kind of, I guess they could be the future affluent people given their demographic. And so they are much of the more of the generation of the digital adoption, if you like, where they feel more comfortable with digital assets and things of that nature. So obviously at the moment, like certainly for me, coming at it, I remember several years ago, it's kind of when people start talking about Bitcoin, things like that, it's kind of all nonsense because I was just very narrow mindset of a traditional market, it's shiner, I guess. But as you go further forward now and then your kind of base is in your decision-making is about diversification, how much the digital assets do you think starts to play into that going forward in the years ahead? It's a fascinating question. I just don't know at the moment. So I can't quite work out. So I'm really interested, for instance, in what blockchain technology could do to the existence of the company. Cause if you just thinking sort of sideways, if you assume you go back to kind of old economic theory, famous kind of Kosen Williamson about the existence of a Nobel Prize winning economist who decided or argued that the existence of a company is in part down to transaction costs and sort of trust issues. Because I struggle to sort of say, get a stranger in the other side of the world and trust them, what I do is I bring them inside a company and therefore I can internalize the transaction and share tacit knowledge and that works that way. Now, if I could institutionalize or trust via blockchain, does that mean large companies are no longer as important, so on and so on? I struggle a bit more with some of the current sort of very popular digital assets, just because I'm not sure I agree with some of the use cases. So Bitcoin obviously is the one that everyone talks about, but there there's the sort of the trade-off problem, which is that if you're gonna be a currency, you've got to be boring. If you're gonna be a speculative asset, you don't want to be boring at all. So I don't, you can't have a currency that changes dramatically in value on your walk to the shops. So suddenly I can't buy a kind of milk, no bottle of milk anymore. I'm suddenly a penny tuned to take home to my children. You know, that doesn't work. So I'm sort of still, I'm watching with great interest, but at the moment it may have some, they may have some diversification benefit. That's something that we are looking at, but it's still too young a data set to really kind of work out. So it'll settle a bit. And I think a lot of people are getting very interested in it. I will continue, we will continue to watch at the moment, but yeah, it's interesting though, because to your point, what you're looking for, when we build the asset class toolkit, what you're looking for is distinct exposures. So you can get equity duration, you can get the credit risk, commodities offer something a bit different as well. The store access to something called storage theory, that tends to be uncorrelated as we're finding a little bit at the moment. And anything you can add further diversification will smooth returns out of the long return. And if you think what we're trying to do as you rightly point out is we're trying to, for the mass market, for everyone possible, what we want to do is say, look, we've got this one-stop-shop multi-asset class global fund, which is going to bring you the frontier in institutional asset management returns, and you should just have it chugging away in the background. You can buy Bitcoin, you can have all sorts of stuff, technology funds, so on and so on in the background, but have this chugging away with your savings over the long term and you'll probably be better off and have more chance of hitting your savings cost. So it's not, I'm a buzzkill. You know, I believe relatively in the sort of efficient markets and so on. So the way we've organized our team is to make sure that we only pour kind of expertise into access returns where we think there is evidence of access return generation. So we don't do style bets, we do do single-stop bets, but through funds and we do TAA. But elsewhere, we sort of try and get the market return quite carefully. So it's really just about making sure you've got all whether returns plus some alpha, chugging away with your savings in the background and everyone else can have, you know, fun with the rest of it, I guess. So a lot of that terminology there, you were just mentioning. Was that too good? Things like that. But where would a young person who's quite quite green to these times of terminology, where would they go to find out this sort of thing? Is there a place to go or? I don't know. It's sort of start. The problem I always find is where to start, you know? And I do think, you know, for me, the first thing is to get an interest. Like, what are you actually interested in?  That's where you start. And I actually came round to our shop, he's a charming guy. He's absolutely lovely and he's very accessible and talks very excessively. But I don't think expected returns is a very good place to start, necessarily, because it's big, imposing, and it's got quite a lot of financial markets jargon. I mean, I quite like, my old boss wrote a book and it's called Making Sense of Markets and he's called Kevin Gardner. I sometimes think I give his book a plug. I sometimes think that's quite a good place to start because I think you've just got to try in amongst it all to, I don't agree with everything he said in there, but I think it's a very good way of sort of just getting an interest and starting to, you know, trying to work out what you think. And that's the most important thing is, I think, you know, you've got to work out what you think and what your angle is and you bring your own, you know, my example is of anything, you know, I've made a lot of terrible mistakes in my life and all sorts of, you know, wrong turns and bad stuff and good stuff. But I think there's sort of, you know, the thing that I would say is that all of that and to your first question, all of that pours into who you are and what you can bring to markets if you're going to be in markets. So, you know, if I look at who I try to hire for the tax glasses research team, I'm trying to hire different backgrounds who bring different perspectives. But at the same time, I would expect them all to have the same threshold of evidence, you know, so they've all got to believe to a certain extent in efficient markets because I don't want to have that debate. That should be kind of, you know, but what I do want is different perspectives on the outlook for inflation. What is, you know, how, you know, different parts of the capital markets complex are reacting to it. I want their different interpretations on that so that we've got a debate. And I think that comes from having different university degrees, different experiences, different specialisms. And I think you've just, you know, the way in for me was not to start just kind of right at the top and sort of start reading the heavy stuff. It was really just to discover an interest. And then the terminology becomes a bit easier to understand and also remember. Because what I found when I started is that I learned the terminology over and over and over and over and over. Again, I just kept on forgetting it because I wasn't that interested. Sort of, you know, in a funny way. And I think for it to stick, you've got to find a hook for it to, it's a bad analogy. It doesn't really work together. But you know what I mean. You've got to find a, you know, if you want the coat to hang up, you want a hook to hang it on or something like that. Well, look, I mean, I've got one clear word of advice to anyone who's just getting started. Listen to Will on the bark, he's word on a street podcast. That's a good plug for you there, Will. But that's a good place to start because I think the thing that you always do so well is how you deconstruct and quite eloquently explain what otherwise is quite complex situations that are happening in the world. And their impact on markets. And I think as a starting point, you know, for me, it's always been that the global market side has always been of much more interest than, say, classic investment banking in a sense because of the fact that every day is different. I'm sure that's something that you feel and share as well, Will, that every day you're learning and every day it's wonder what happens next. Yeah, absolutely.  I mean, people like, you know, if in normal life I went within 100 yards of them, I'd be arrested, wrestled to the floor. And, you know, you suddenly get to talk to these people at sort of semi equals and sort of ask them about what's going on in a particular area. And so it's your, you know, your access to genuine expertise and so on. I mean, it's an amazing, what I can say to everyone, you know, anyone who's listening, it's an amazing industry to work in and to have the ability to look at markets, and try and understand what's going on in the world. It's a real, I find it a real privilege. I'm really interesting and ever challenging, like I said. Okay. Well, look, on that point, we'll look to wrap things up. So, well, as I said at the beginning, it's been a great privilege and a pleasure to have you on the podcast. And yeah, hopefully you've all found that insightful. I'm sure you don't mind, Will, if people connect with you on LinkedIn and things like that. Yeah, no, please do, please do. Okay. All right. Well, thanks very much again and take care. Thanks, Hans.


Item number SCP-2151 Object Class Safe Special Containment Procedures SCP-2151-A and SCP-2151-B are to be kept in separate high-security containment lockers of Site-81. Testing of SCP-2151-A and B is currently suspended. SCP-2151-A1 is to be maintained at Site-81 indefinitely, or until SCP-2151-A1 expires. Description SCP-2151-A and SCP-2151-B are nearly identical stainless steel rings.  The two human beings wear SCP-2151-A and SCP-2151-B. Any physical contact between them will activate SCP-2151-A and B. Immediately upon contact, the two instances will increase dramatically in temperature and burn into the skin of the wearer. This happens quickly, and typically takes less than 20 seconds before the objects disappear under the skin of the wearer. The point of contact between the two subjects will also increase in temperature, often resulting in severe burning in the area, and the skin there will fuse. As time passes, more and more of the skin connected to two individuals will become fused, eventually consuming the entire bodies of both subjects. Over time, the distinguishing characteristics of the individual subjects will become distorted and unrecognizable from their original state, and many of the biological functions of the individuals will shut down entirely. Similarity in this process to the creation of instances of SCP-427-1 has been noted. The potential of a similar origin for SCP-2151-A and B and SCP-427 is currently under investigation. The resulting entity is classified as SCP-2151-1-X. It is currently uncertain whether any higher mental functions are maintained throughout this process. At the end of this process, SCP-2151-A and SCP-2151-B will be pushed out of the resulting body by seemingly natural processes. No other anomalous activity occurs past this point. SCP-2151-A-1 is an entity believed to be the product of SCP-2151-A and SCP-2151-B's effects on two human beings. This entity was discovered at the home of Mr. ██████ and ██████ in the room of ██████-C Addendum 2151-A for more information. Despite additional instances of SCP-2151-1-X expiring shortly after formation, SCP-2151-A-1 has persisted for more than 30 years since discovery. Research into how this is possible is ongoing. Addendum 2151-A Discovery SCP-2151-A, B, and A-1 were initially discovered in the home of Mr. ██████ and ██████ in the second floor room of their youngest daughter, Monica. Current SCP-2151 timelines have revealed that the initial contact event began on 17 September 1971, at roughly 1900 hours, when Mr. ██████ were away from the home. Upon discovery of the SCP-2151-A-1 entity, Mr. ██████ alerted the local authorities and Foundation agents intervened. Amnestics were applied to the family and cover story P-315-B, fatal car accident, was spread through the local community. It is currently believed that Monica was wearing SCP-2151-B at the time of contact due to genetic material belonging to her that was recovered from the object. The other individual has not yet been identified, although genetic material collected from SCP-2151-A-1 has shown that the subject was likely approximately 50 years of age and shared at least ████ percent of their genetic material with Monica ████. Addendum 21-51-B, Note Transcript The following note was discovered on the back of a photograph of Monica located in a waste bin in her bedroom. The origin of the image and the author of the note are both undetermined. My sweet Monica, I know you can never see us like I see us, but I know we are meant to be together forever. I think you'll agree with me after tonight. You are so beautiful. I love you.


Welcome back to my channel and welcome if you're new here. Thank you so much for clicking on today's video I'm so excited to have you here if you are new to my channel I'd love it if you take a moment just hit the little subscribe button and the bell next to it that way you're notified when new Videos are uploaded. I have an entire calories versus point series that is on a playlist So if you just look at the top of my YouTube page You'll see the category for playlist click on that and you can watch all of the past videos Where we've done a lot of deep dive digging into calories versus points and my big video about the shocking truth about points versus Calories I will do my best to link a lot of those videos down below for you guys as well If you are excited about this video and you love the concept of calories versus points Give this video a big thumbs up and make sure you're checking out the description box So that you can head over to my website to get all of my delicious recipes as well as over to my Facebook group We'd love to have you be part of our community over there We are 16,000 strong and it is a very loving and supportive place to be so all of that information As well as my discount codes and links to my favorite things can be found down in the description box So without further ado, let's jump into whether or not you can lose weight on ww and stay within your calories I Started this points versus calories series I started really digging into whether or not I was eating enough when I discovered Jordan site And I did mention Jordan in Extensive detail in the shocking truth about points versus calories video. I found him I literally binge-watch all of his videos and it got me thinking about my own WW journey and whether or not I was consistently on a day-to-day basis eating enough calories to fuel my body and Maintain my metabolism as you know, if you follow my channel I do Jazzercise at least three times a week and it is a very intense workout I burn a lot of calories and if I'm not fueling my body with enough calories on a given day It's hard for me to make it through my workout and in the overall big scheme of things I'm just damaging my metabolism and when I do lose the weight that I want to lose It's going to be very very hard for my body to adjust to eating more calories without gaining weight So I thought after doing the Jordan site binge-watching and a lot of other research that I wanted to essentially do a metabolism reset and start counting calories alongside my points and boy, oh boy, my friends It has been an eye Opener there are days that I am way below where I need to be calorie wise and above my points But there are a lot of days that I nail it that I am right where I need to be calorie wise And I am right where I need to be points wise and I'm here today to share with you how to do just that You can stay within your points and eat enough calories. It's all about what foods you're choosing So I want to share what I've learned as far as the foods that I'm choosing and how I can stay within my points and Be within my calories and that way if you want to just be on WW and you don't want to double track calories This is a great way for you to ensure that you're eating enough But you're also following the WW program and if you struggle with whether or not WW is the right program for you Maybe this will shed a little bit of light and maybe calorie counting is the best route for you to take I'm going to share an example of a day just the other day that I had where I nailed my points and calories I'm gonna share with you what I eat that day so that it all kind of makes sense. So let's jump it So the very first video that I did in this series. We did a deep dive into calories versus points I did five Traditional ways of following WW as you know on WW we can eat whatever we want We literally could eat Snickers all day long if it fell within our smart points We should still theoretically lose weight on WW now, of course We wouldn't be fueling our body with the right nutrients, but technically we're still following the program and we're within our points So I took five different scenarios five different ways of eating on WW and we looked at points versus calories And it was extremely eye-opening. There wasn't a single way of following the program that met both the calories and at the smart points We were always way over in our smart points and way under in our calories No matter what approach we took to the program. If you haven't seen that video, please check that out I'll link it down below that will help this all kind of comfortable circle and make a little bit more sense to you Since that video I've done a little bit of personal research and figuring out if it is possible to eat enough calories on WW and after playing around with the foods that I'm eating every day and how I'm kind of laying those out for my meals In my snacks it is it is absolutely possible to eat enough calories But it takes some strategic planning a little bit of workaround of the program and honestly really focusing on those zero-point foods That is where you're going to get enough calories and stay within your smart points Since I transitioned over to the clean approach to the program so many have you have reached out to me and thanked me for my clean approach you were finding that a lot of people that you knew whether it was on Youtuber in real life that were on WW ate a lot of processed foods And that wasn't the route that you wanted to take now There is nothing wrong with eating processed foods if that's the route on your program that you want to take You need to do what works for you, but a lot of you said I'd rather eat real whole food I just don't know how to do it and stay within my smart points So we kind of deep dove into how you can do that in several videos We talked about easy swaps that you can make from processed foods to cleaner foods Not always a hundred percent clean as you know I follow the 90-10 rule 90% of what I eat is clean real food and 10% is you know Some of my favorite things that maybe don't fall in that clean foods list now If you are someone that loves your processed foods and you like your potato chips and your protein bars and granola bars and cereal and Wraps and all those things then it is going to be a little bit harder for you to reach your caloric Goal and your smart points and let me tell you why those processed foods are generally not calorie dense But they are high in smart points. So let's look at a couple of examples Let's take a look at a granola bar. So your traditional granola bar ranges in calories from about a hundred and twenty to a hundred and fifty But a granola bar is six to eight smart points So if you eat a granola bar, you're only eating a hundred and twenty thirty forty fifty calories But you're eating eight smart points seven six Which is a big chunk of your day if you only get the minimum number of smart points And if you are eating foods that are low in calories and high in smart points throughout the day You're really quickly going to reach your point target, but you're not going to reach your calorie target You're going to be eating in the range of eight hundred to a thousand calories a day Which isn't enough for anybody even if you are completely sedentary You should eat substantially more than 800 to a thousand calories also things like chips are generally not very calorie dense But pretty high in smart points even your pop chips of the world or your poppables of the world They're only a hundred and twenty or thirty calories, but they're four or five smart points So again if you're choosing a granola bar for breakfast You're choosing poppables as part of your lunch and then maybe you're having a meal out for dinner You're going to hit those points rather quickly But you're going to be way under even a thousand calories a day and that's where food choices on WW come into play now don't get me wrong There are some foods that are low calorie, but very high in smart points that are actually really good quality foods I'm gonna give you a couple of examples of things that I struggle with when it comes to WW Actually, I'm gonna give you three once a drink and two or food items number one is Clio bars Clio bars are absolutely delicious. They are a Greek yogurt bar wrapped in chocolate now Do they have a hundred percent clean ingredients? No, but they are an excellent excellent choice when it comes to a sweet treat They have a lot of protein. They have some prebiotics and probiotics because of the yogurt They're small they're individually packaged so you don't tend to overeat and again with the good source of protein That's in a Clio bar. It's a really good sweet treat option Now they do have about 10 grams of sugar which makes them six smart points, and they are only 140 calorie so you're eating a hundred and forty calorie item, and it's costing you six smart points That's a lot of points for a hundred and forty calories And if you're consistently eating those low calorie foods but high points throughout the day again You're not gonna reach your caloric goal next is a drink We all know how good for you kombucha is again It is full of prebiotics and probiotics. There is no added sugar in kombucha The natural sugar is from the fermentation process of making the kombucha a bottle is generally 50 to 60 calories But is three smart points, and they aren't taking into account they meaning WW the fact that there is no added sugar, but there is sugar in the fermentation process So that sugar is essentially held against you when it comes to WW they penalize you for sugar now I'm all for this because I think that eating a diet high in sugar isn't necessarily the healthiest for you But things that are good for you that contain natural sugar I think that there should be some differentiation between Natural sugar and added sugar when it comes to smart points, but that's just me I don't work for WW They certainly don't care what my opinion is But I just think that that is one of the pieces that I struggle with a little bit It's hard for me to count three points for something that is 50 calories and is good for me And the last example is actually a protein bar a meal bar And this is the healthy eating all the time and go bar or the heat bar you guys know I love these I love the company though The woman that owns the company is literally the sweetest thing These are my go-to bars if I need something to sustain me for a long period of time on the go These bars are perfection when it comes to macros Perfection when it comes to ingredients there isn't a single thing that should be changed on these bars They range from about 200 to 210 calories. You're getting real whole ingredients. They are peanut butter base There isn't a lot of added sugar to these they have a good amount of protein and fiber So overall, they're a very well-rounded healthy option for a bar But these bars are six to seven smart points now That's a little bit better considering they're around the 200 calorie point But if you take the old way of thinking of WW and that's one point for every 50 calories These bars should clock in more like the four-point range, but instead they're six to seven smart points If I'm choosing that for breakfast every day I'm taking a big dent out of my points, but I'm only eating 200 calories So this is where the core of the points versus calories comes in There's two different ways that you can under eat essentially on WW one is if you eat a lot of processed foods and again, there's nothing wrong with that In fact, there are no good foods and bad foods all foods are good All foods lead to some nutritional benefit for us all foods fuel our body as they should whether they're processed or not But if you are leaning towards a lot more packaged processed foods You're going to hit that points goal long before you even come close to your calories and on the flip side If you're choosing a lot of really healthy options full fat Dairy cream cheese yogurt cottage cheese milk. You're choosing nut butters almond butter peanut butter You're choosing quinoa if you're not on the purple plan quinoa has a lot of points If you're choosing real whole food You are also tending to hit that points threshold before you even come close to the calories But I promise you there is a balance there is a balance in being able to eat enough calories and stay within your smart points So I want to show you guys an example of my tracker in the losing app That is where I track my calories and then I just double track in the WW app So we're gonna take a look at Sunday July 12th. So you can see in the morning for breakfast I made my coffee with my collagen peptide and some chocolate mint layered super food creamer as well as two tablespoons of Dairy free half-and-half. So that is one smart point So that's my first point of the day and then you can see for breakfast that I chose to make a spin on avocado toast I did sweet potato toasts that is three points for three pieces and just so you know I am on the blue plan it is actually three points on all plans because the sweet potato toasts do have a little bit of Added olive oil and salt and pepper. So you do have to count for the oil And then I had two eggs which are zero points I had 60 grams of avocado which is also three points and three quarters of a cup of blueberries for zero So you can see that for breakfast including coffee. I had a total of seven smart points 489 calories for a morning snack this day. I decided to have kombucha now I did track the entire bottle, but I actually didn't end up finishing it So it is a little less than 50 calories and I counted that is two smart points So that put me at nine points for the day then for lunch this day I decided to have an organic turkey burger from Applegate. These are three smart points I had a hamburger bun a great value three smart point bun. So you can see that I'm still eating Processed foods. I'm still eating packaged foods But I'm having a heavy focus on zero point foods and healthy whole food I also decided to have 150 grams Which is a little bit over half of a cup of whole milk cottage cheese a cup of watermelon and on my burger I topped it with seven grams of chosen foods avocado mayo and some sweet pickles for a total of 516 calories and nine smart points. So that puts me at 18 points for the day and just so you know, I do get 34 points in a day So so far I'm at 18 points for an afternoon snack this day I decided to make a protein shake if you didn't know I also have a protein goal every single day that I try to reach my goal is between 120 and 165 grams of protein every single day that is a goal that I try to reach So you're going to see that the foods that I'm also choosing not only are they A little less point heavy, but they are packed full of protein Which if you didn't know is one of the things in smart points that saves us in smart points So if our food is heavily filled with protein it generally knocks down the smart points So those choices of high protein foods will help with your points as well So for a protein shake I decided to use a scoop of my primal kitchen collagen fuel peanut butter Which I love it is two points for that I will be linking everything down below that I tell you guys about here the fuel and my protein powder I threw in a frozen banana for zero. I do not count blended fruit. So that is zero points for me I put in a cup of unsweetened almond milk and a scoop of my live well raw cacao protein powder I'll link that down below as well for you guys So this protein shake is two for the peanut butter powder and one point which is amazing live well is amazing It's only one point per serving. So that is a total of three smart points Which puts me at 21 out of 34 points for the day And then for dinner I decided to make a one skillet pasta This recipe was in my what I eat in a day that was posted just the other day I'll link that video down below for you guys and that website is actually or that recipe is actually over on my website Recipe is so good. You guys definitely need to check it out Watch the video it was such a fun day and the recipe is part of that video and it is also over on my website So I had one serving of that one skillet pasta, which was six smart points and 359 calories I also topped it with one tablespoon of grated parmesan cheese for one point and 20 calories So this put me up to 29 out of 34 smart points and then for dessert today I decided to have a chocolate cookie dough frozen greek yogurt bar. This was a yasso bar This is another example of a processed item. This is only 100 calories, but is five smart points So this is another example of something that is not calorie dense But is heavy in smart points, but they're really good And they have five grams of protein because they are a greek yogurt bar So with the yasso bar that put me right at 34 out of 34 smart points and right at my caloric goal Actually under by 22 calories. I ate 1838 calories that day My goal is about 1860 to 1893. This is a prime day I also showed another day in my video that I did the shocking truth about points versus calories I gave you another example of a perfect point in calorie day where I stayed within my points and within my calories So this day was absolute perfection. I was actually under my calories a little bit I was right at 34 out of 34 smart points. So basically I nailed it I chose a lot of zero point foods. You notice that I had a lot of fruits I had fruit in my smoothie fruit with breakfast fruit with lunch I also chose eggs as part of my breakfast, which are zero smart points And I chose a lot of protein dense foods foods with a lot of protein Which makes them less smart points and this day the foods that I chose was a pretty good balance I had some processed things like the hamburger bun and the yasso bar And then I had some real good whole food like the sweet potato toast and some fruit and a protein shake And had a really good dinner with some ground turkey. So it's all about balance and food choices So my top tips for you if you are concerned about making sure that you're eating enough calories on ww I have some tips for you that I think are pretty foolproof ways for you to do just that Tip number one is double track Even if you don't double track every single day at least once a week every couple weeks A few days of the week while you're getting started double track Make sure that you are within your calories and your points If you choose to be heavily focused on calories like ion maybe track that first in the app of your choice lose It is great. My fitness pal is great. I track bites has a calorie counting program If you are heavily geared towards your points track it first in the ww app Make sure you're within your points there and then double track it in your calorie app of your choice To make sure you're within your caloric range I think that knowledge is power and knowing whether or not you're within your points in your calories Kind of gives you a map of what foods you can continue to eat and add to your day To make sure that you're reaching both your calories and your smart points So that is my tip number one and it's number one because I think it's really really important to know where you're falling Tip number two is focus on the zero point foods. Although these foods have zero points. They don't have zero calories However, the foods that ww put on this list are there for a reason. They are healthy foods. They are real whole food They are lean proteins. They are not sugar dense foods So they're on that list for you to enjoy form your meals around the zero point foods Pick one or two of those and make all of your meals and snacks around that And that way you're getting in those calories from those zero point foods But there's zero points. So they're not putting a big penalty on your points for the day Number three is focus on real food Like I mentioned, there are some real foods that are high in points and low in calories But the majority of the whole real unprocessed foods out there are going to help fill your belly With nutrients keep you full keep you satisfied Help with your weight loss and your energy to do your workouts and just make it through your day in general You definitely feel a lot more satiated with real food than with processor packaged food So if you're heavily focused on real food with a very minor focus on packaged food Like I mentioned, I had a hamburger bun and a yasso bar both that day Which are prepackaged processed foods and I still was able to maintain my calories and my points Because the majority of my food that day was real whole food And I think that this is really really important now Can you stay within your points with a lot of processed food? Absolutely But I challenge you if you are someone that eats a lot of processed foods Double track for a few days and see where you fall Chloric wise because I can bet you that you're going to be way under calories and right at your smart points And I can say this because literally dozens upon dozens of you hundreds of you have reached out to me and said Just that that you are always within your smart points But you are way under your calories because of the foods that you're choosing they're more processed They're more packaged and tip number four is do what works for you It is so important to not do something just because someone else does it your favorite influencer Your best friend your mom your dad your sister do what works for you If eating packaged foods works for you and you feel like you're getting in enough calories Then more power to you continue to do that and don't let anyone tell you that that isn't the right way to work WW there is no wrong way or right way to work the program. It is open for us It's open for our interpretation. We can work the program however works for us I think that knowledge is power though, and I think that by knowing that you're eating enough calories is really really important for you I've also had a lot of people reach out to me and say well, I've lost all this weight on ww Even though i'm eating on there a thousand calories. Well, of course you have of course You're going to lose weight because you're at such a severe calorie deficit But in the process of losing that weight you are damaging your metabolism You are creating an issue for yourself down the road when you get to your goal weight What's going to happen when you eat a little bit more food? Chances are you're going to gain weight and a lot of people that follow really any program whether it's WW or keto or self-beach or whatever they are out there Gain their weight back because when they lose their weight they eat more and their damaged metabolism has a hard time keeping up with those extra calories But if you take it slow and steady wins the race throughout your weight loss journey And you eat at a good caloric level you should see the weight come off It may be a little bit slower, but slow weight loss stays off But you will eventually reach your goal and when you do you're not going to see the struggle of adding back in calories And weight gain because you've already been eating a good amount of calories for your body throughout your entire weight loss I highly recommend that you check out jordan syat. He has a very simple Equation to figure out your calories and your protein and your macros if that's what you want to do So i'm going to link his channel down below for you as well. He has been a huge huge inspiration for me I even had the pleasure of talking with him on the phone. We've texted a few times He's an amazing amazing person and he has a very very good philosophy on losing fat Fat loss and doing it in a healthy sustainable way. So I hope you guys enjoyed today's video I hope that it brought to light that you can actually eat enough calories on ww If you work the program Really in the way that the program was intended to be worked and that is focus around those zero point foods Everything that we talked about is going to be linked down below As well as jordan's channel and the playlist for all of my other points versus calories video Check them out a lot of you reached out to me and said that literally your mind was blown When you saw these videos and you took a hard look at your program and made some changes And there are so many of you that are kicking some major, you know what? Since transitioning over to more calorie focus and matching those up with your smart points So in the comments, let me know if you guys have any questions If there's any other videos in this points versus calories that you want to see I did do a poll on my instagram and also my facebook group where I said ask me your questions on points versus calories So that video where I answer all of those is coming out soon as well But any video ideas on this topic leave those down below for me Again, if you're new, I'd love it if you'd stick around and join me Just hit the little subscribe button and the bell next to it So you're notified when new videos are uploaded if you are not subscribed But you watch my videos all the time It really helps my channel out if you end up subscribing And that way you can be notified too with the bell when new videos are uploaded I would appreciate it and of course if this video hit home for you and you loved it I'd appreciate a big thumbs up It really helps my channel and of course it means a lot to me And don't forget to check out that description box down below Thank you guys so much for hanging out with me today Have a great rest of your day and i'll see you all in the next one. Bye guys


The United Nations, in collaboration with Oxfam Nigeria and other development partners, has successfully empowered over 40,000 households in six local government areas of Terabastat. This was made during a two-day project close-out review meeting in Abuja. Plus TV Emmanuel Eugenie completes the report. The project close-out review meeting is part of the European Union supports to food security and resilience in Terabastat, where six local government areas were used as pilots to empower households who, before now, were living below the poverty line. According to findings at the review meeting, the initiative shows that the project has recorded much success, with 40,000 households now fully in part. Oxfam says Terabastat was chosen due to the inequality analysis carried out in the state, which showed a very high level of poverty. We are now partless and back on this journey with a commitment to one, reduce poverty, two, enhance food and nutrition security, three, address gender inequality, and four, build resilience against numerous challenges faced by our rural brothers and sisters. Through our ambitions, the project has been a beacon of change, resilience, and empowerment in the rural communities of Terabastat. This is because our dedicated efforts led by our staff and partners have resulted in impressive outcomes. One, a notable 83.2% increase in livelihood assets within households. Two, enhance production and livestock and feed value chains for 82% of farmers. Three, a significant 55% of women experiencing increased access to resources and control over assets. And finally, the empowerment of 35% of farmers, particularly women, contributing to improve livelihoods to mention but a few of their children. Development partners describe the project as a beacon of positive change, as it has uplifted the vulnerable and marginalized people in the state. The Prosser project has truly been a beacon of positive change, contributing significantly to the lives of over 40,000 households, whose livelihoods rely on agricultural and natural resource-based activities. Through strategic interventions, encompassing best practice, knowledge transfer, household and productive assets transfers, financial inclusion services, market linkages, and social safety programs, we have witnessed a transformative impact on the ground. As part of the design of this program, we thought that by improving the skills and the capacity of rural farmers, they will be able to do better in the area of production, in the area of preservation, in the area of marketing of the produce that they get from their various farms. And we are delighted that today we're here, coming to the end of that particular milestone in our engagement, not only with Nigeria as the European Union, but also with Tharaba State Government. The State Government expresses joy at the positive effects the program has had in the affected local government areas, while promising to replicate the same in other local governments. 40,000 households is not a small thing. It brought hope if you can go to all these areas and distribute consumers. I assure you, you will get the kind of respect you're going to get. It will be fantastic. A lot of people are serious, a lot of them, because they lost so much, they would like to make it all. We're appreciating the successes recorded by the project, like the proverbial Oliver Twist, civil society groups and other delegations from the state called for more partnership intervention from the EU for the sustenance of the project in Tharaba State.


Hello, it's me.  We've got OB 7670 support for Circuit Python on the SAMD 51 But did you know that the RP 2040 in the Ravio Pipico can also read Parallel cameras. This is 8-bit parallel data coming through an OB 7670 Parallel capture camera Yeah, we can use PIOs to do that and we do and this is actually all in Circuit Python So you're watching me my image being captured through the Pico in Circuit Python and then that Byte array being written out to the display over here over SPI and it's a little posterized We're gonna figure out exactly what's going on, but this is our first poor quest just testing it out For Jephler and it looks it looks really good and it's pretty fast. So that's me in Circuit Python doing video


Welcome back to the Rig Review and this time I'm going to take a look at Sam. Sam you can find on the Gabriel Salas Gabriel Salas, sorry I don't know how to pronounce this, is on here you got David Dane of course, you got Amy which I reviewed before, link in the description for the other one and this is Sam. $15 full disclaimer, I got a coach to download this for free, full transparency I did not pay for this. Now just like with Amy, you got to go in there and select geometry, you can go into attributes, there are many other ways to do your texture selection here, but once you have that you are going to look for the texture that it's pointing to and find that again, it's in the texture folder and it's going to be skin texture 101, but what's going to happen here just like with the other one is you got to go and do UDIM and then generate preview and then turn on the textures and you will see that bam, it is ready in all of its awesome glory. Now there is also this, so you have your shoes, check it out in here, you got Sam's shoes, the fuse, go in there, go one up and you have Sam's shoes, the fuse and there you go, beautiful textures on the shoes, so then let's go back and this is of course very similar to the Amy rig, but still I want to go through here, if you haven't seen this before, you can see the geometry changes between partial and full, so this is for your speed and your rendering speed influence if you want here, that is of course the main rule control, you can move the full character around, you go back to the shoes and you have your regular foot and just like with Amy, you can move this around and it will move the knee, you can change this here if you want, but going back to the foot, you also have a swivel option here, but if you go back here you also have follow no, so turn this off and then this will behave like that if you want and going back to this just quickly, you also have the lock and you can move this around if you need to lock your knee, which I love and every rig should have that, going back down here you have your swivel that I just showed, you have your toe, which you can also move using this controller if you want, then you have your foot roll which pivots off with the bends here going up to the toes, if you select this one you have that here, now if you do foot roll you can also change the roll angle, you have your stretchiness, so if I take my foot and do this it will be normal and if you do the stretchiness you can see you can stretch your foot all the way down to where that control is, very cool, you got your anti-pop, so if you do any type of walk cycle you can have problems with that, you have anti-pop and you have your length and volume options as well, just like with Amy you have extra controls in the back to do this all separately in terms of the pivots that I showed including the toe and going here in the middle with your foot roll like that, can you translate? you can do that if you want, you have this on both sides of course, these are legs, you got one left and one right, you got your bend bows of course and also stiffness, take this out move this, you got stiffness options, this goes into the knees, then you can go up into the thighs, we go up here and then you have your IK-FK blend so now it changes into your FK feet and legs, you can do this, you can also scale don't forget you can scale here as well, going back up here you also have IK and FK visibility on off, continuing up here you have the root and just like with Amy you can take, let's go back here and go back to IK, you can move your foot over, select the root and do a center between feet option and there's also a leg lock option and then you also have the hips, just like with Amy I want to do this again here, I personally prefer to have a rig like this where the hip control is like that, technical, but it's there for you on the left side, screen left here then you can select your root like that, you can select these all the way up for that there is no switch to a different IK rig but you can translate if you want there's no IK spline, spine so if you will then you have your shoulder control like that which you can rotate and translate and scale, you have your FK arm which again you can move this whole thing around and you can scale if you want to, back there you have of course your IK arm switch but if you take your arm and you move it up you will not have an auto clavicle and I don't see it here, you have a follow the follow is if you take your root and I do this you can see it's a real IK sticky IK but if you say follow 10 you move your root and now the IK follows the root that's always a good option to have, you have stretchiness so if I take this and move this out you can stretch, you have anti-pop length and volume just like with the legs which is awesome but you don't have an auto clavicle follow so don't forget to animate this which is sometimes over looked, you got bend bows or shoulder movement here but bend bows in arms, elbows and in this forearm as well going back here you do have an elbow control here and that has a lock as well which is awesome, you have this here so you have just like in Amy you got the spread of the fingers you got the cupping and you have all of this for quick options and you can of course select these separately and rotate your fingers like that and yes you can scale this is of course in both sides these are identical your arms going up here let's go to the jaw, jaw you can open here and then you can see same thing where you have that separate controller here to do any type of chin changes you have a bigger mouth corner controls which then reveals the control for the teeth if you so desire to change that you have your separate very detailed controllers here this is your overall mouth controller and this is for the upper lip but you can rotate this for your curl in and out and as you can see in here you also have your tongue control that you can rotate translate and scale select this back here you can scale if you want to but going back here for the face you do have separate controllers for all of this right you got eyes eyebrows in in other order that I just said cheeks and up here then you have your nostrils and just like with Amy this will give you a nostril flare which you won't have if you just do this this just moves a corner there's nothing here in the channels that says flare so you want to flare do that in here then you got your jaw and then you have your corners here and your corners there so I can close this and change as you can see it's a shape and a jaw option and as you select this here you also have options to turn all of this on off depending on what you want to animate with and some of these have extra control so here you have squeeze on the brows you have outer up and down this one you have all of the eye options with blinks you have upper lid only you have lower lid only you have the lower lids follow but also you have the pupil and the iris option and also a general squint if you want this one which is for the jaw you also have let me just open up the mouth a little bit you have the upper roll and you got the lower roll you got the sticky lips so when you open the jaw here with this you can see that the mouth stays closed and you can see the zip of the lips here left and right but going back here you do have this separately too you got the cheeks here including this one if you're smiling that up there you have an overall nose control which you can of course rotate and scale if you want as I said this is the nostril but not the flare you have your eyes so you got the main controller for eye blinks so that is here top and bottom you have separate smaller ones to reshape this including the corners there this here it will be for your eyebrows the outside the middle and the frowny center this is your eye socket move but you can also scale if you want and again this could be something that you could technically move here and make it a bit bigger and then bring it out here if you want I don't know let me in the comments is that something that you prefer that is right there so you know that this is moving the eye and not an outside thing maybe could be going up here you can see hair you can not change the rest of this you have a controller here that moves the whole head so this is your head top swivel but it's not the hair even though the color is the same here this is for the hair that you can scale ah alive my hair is alive but you can do this what if I scale this all the way down how is this whoa this is the head let me select just the hair all right that's what you get yeah this is the change in the hair just in case you're interested in that you have a squash and stretch with a middle and a bottom part so that is that you got the lower half change here and the upper half up there going over there you got your eyes so you have your eyes that are not moving wide because the aim is at zero whoops now they're at 10 then you can move this around and also a follow which the follow means that if you select the head move this around the i-box moves with it but if you take this and say follow zero it goes back there meaning that if you move the head the eyes will always point towards that controller and I believe that covers the Sam rig which again you can find on gumroad you can also find on my animation buffet side alongside his other rigs and other rigs that I review and post speaking of that if you don't want to miss any of my posts in terms of my rigs feel free to subscribe to this channel hit the notification all option so you don't miss anything and that is that from this review thank you so much for watching