Good afternoon.  We just got our power back. People are decorating their homes already in the festive mode. I think it's great. It takes a while to get into that festive mode. I, with the music in my heart, the music will be playing. It's beautiful being in here. Where is that beautiful poster? Well, it needs to be right up here. I'm just singing about that poster today. And of course, Christ's Church and all of you. But the idea that there would be a whole new window where the light would come through with this beautiful image. The other day, my husband and I hung the suet in front of our window and we have the birds visiting. It's probably one of the more beautiful experiences of a moment that's quiet. It's a beautiful, beautiful design. The angel over the years peddling through Italy and seeing the most gorgeous demonstration of the angel showing up in the different churches has been something of a journey in my own life. The imagery that people have decided how the angel looks, what Mary looks like when she's approached by this beautiful person. Well, angel. But probably in a human form. Otherwise, how could she communicate with him? Otherwise, it was just in her heart made up. There was one beautiful Christmas season. I was invited to join with a choir here about 20 years ago and Brian Webb was conducting and organizing the music for the nine lessons in carols. And I learned this song with you at Christ's Church. But I want to start it with an offer, Maria, that I heard being sung in a convent way up on the hills three weeks into our trip going down Italy from Parma to Rome. We were tired. We had a wonderful meal. Then we were invited for even song. And they sang this offer, Maria. They had no idea that I would just get so excited. They had no idea that this is a very important song for my Christmas program and for my life. It was the timing of that song that evening with my visit that I realized sometimes these visitations do take place. Importance. Like Angel Gabriel coming to Mary. Different guitars, always fun. Different tuning. You might know this one. There are always these carols that tell a beautiful story that take you through different holidays. I'm going to jump way ahead into January to sing for you one of my favorite carol stories.  We finally met. We saw this beautiful statue of King Monseslas. And all of a sudden this whole song came to life for me on a whole new level. Like there really was a king Monseslas. And he really was a good natured king. And he did take care of his people. But this whole idea that they make him into a saint is a very important part of our way of thanking people for deciding to live a good life. Especially if they're in power. So if you know this one, sing it with me. And of course there's a beautiful song by John McCutcheon. It takes place during World War I. It shapes the way we understand how a carol can affect bringing peace on earth. And the story needs to be told and retold. Christmas in the trenches. Christmas in the trenches. Christmas in the trenches. Christmas in the trenches. Christmas in the trenches. Christmas in the trenches. Years ago the war was waiting for me after still no Christmas song. We're toasting us that day. Your sound doesn't help me boys. Each soldier's strain to hear as one loathe.  Steve Mary Jett says I and in tone on that plane so bright as he bravely stretched each other well. That lived that glorious night. Whose fam make great stuff with stuffers even though it's a little early.


You are worth it. Out of boot camp, he was about 190 pounds, and then he got sick and lost down to about 115 pounds. They call him a shaky jake because back in 2012, I had full body tremors. February 4, 2010 is when it all started. On the back of an M-Rap, excruciating pain, ended up being a couple kidney stones. I've had 26 today. Called mom, you know, told her, hey, I got this, I got this. Well, I didn't have it. Something inside me told me, you need to go. You need to go help them. Who's that, mom? That's mama. Doesn't matter who it is, mom's always getting new kids. He had given up and I wasn't going to let that happen. She called me up, told her I needed to pick her up and palm springs the next day. She never left my side. Mom did what she did and kind of brought me back. I'm out of somewhere, but I wasn't out there.  I love you, mom. Damn it, mama.  I would do this from now on if that's what my job is to be. Hang in there.  And we can do this together. I love you.


Hello in this video. We'll go and talk about Leon electric or lion electric, which is a SPAC merger NGA SPAC merger with no northern Genesis Merging with Leon electric. So we'll go through this what we're going to go through in the video is basically some information on the stock some background research some Research on the stock but also where I see the stock going in the future I'm going to go through a wide range of information in this video But I'm going to keep it concise and condensed as much as possible But I just want to show you my research and and what we know about the stock so far and whether I think that it's a Potential buy I do actually hold the stock. I actually got it. I can tell you in a second I got my I'm an average price of twelve dollars and fifty nine and I'm up eleven point eight nine percent already I'm up, you know nearly twelve percent already So I think that this has got a lot of potential this stock. I really do in terms of long term But also the medium term I've got to say that I'm not a financial advisor. I do Teach business in my daily life But I'm by no means an expert on the stock market or any or anything like that So obviously do your own research as I'm sure you you're all doing as well, which is which is brilliant But let's get without favor do because I respect your time. Let's get right into the information So so so about line line electric cars an innovative manufacturer of zero emission of vehicles We think design and manufacture all electric school buses midi mini buses for special needs or urban transit transit as well as urban trucks Leon positions itself as a leading OEM in transportation of electrification in North America We design manufacture and assemble all components of our vehicles In terms of the every every area of it in terms of the the chases the batteries packs cabin and power train Always actively seeking new technologies Leon vehicles have unique features that are specifically Adapted to its users and it's every day. We believe that transitioning to all electric vehicles will lead to majority To major improvements in our society environment and overall quality of life so this is this is a bit about Leon electric One of the competitive advantages you could say that this brand Has this brand of electric vehicles is that they're trying to design everything in house Now that does lead to potential research and development costs, but that also leads to potential competitive advantage by by actually Producing things in house and manufacturing up and assembling all the components as it says there So that's very that's very interesting. Oh, by the way, if you're new to the channel I am a you know small stop market channel So if you leave the video of thumbs up that'd be highly highly appreciated It gets it up in the YouTube algorithm And if you're new to the channel, please please subscribe but getting back into the information Okay, so it's market capitalization is at 1.9 billion It was founded in 2008 So this back this this merger with Leon electric that you know They've been around for quite some time. This isn't some sort of new company. That's just come out a year or two ago They have been Going for a long time, which is good to see because we'll have a lot of historical Information that we can look back on in terms of how they've Developed over time as well Now 300 current 300 vehicles are currently on the road with over six million miles driven So in terms of that, you know the operational aspect there It's showing that the vehicles are of good quality if six million miles are being driven on these vehicles It shows that they're continuously being used and that they are Hopefully as far as we are we're aware so far of good quality and that's 300 of them 250 truck and bus deliveries are planned for 2021 So in terms of the market growth and sales growth That's what they're trying to focus on there in trying to actually increase the amount of vehicles that are being sold Which is good to see So this is some pictures of some of the trucks that are available from Leon electric, okay So it says here our all electric class 6 and class 8 commercial urban trucks Combine power comfort and modern technology We have thought and designed and these heavy-duty electric vehicles to make them meet the Expectations of the industry now obviously by going electric you can reduce your operating costs in terms of you know, no gas So, you know, there is an incentives for for businesses and and institutions to go to electric vehicles because it reduces their operating costs and what Leon electric are trying to do is to provide this multitude of options here in for electric vehicles Batteries another point here is interesting which is batteries and chargers And charge a larger on-board energetic capacity amount that can supply the vehicles propulsion and equipments So that they've got a big emphasis on batteries and charging which is obviously a really important part of an EV Okay, I just thought that was just important to know on one of the slides So some of the people involved with Leon electric So we've got mark who's Foundedly on in 2008 in bodies is passioning to revolutionize the heavy-duty vehicle industry by electrification Announced the most important points are 20 years of experience in very senior positions So, you know, you got an experienced sort of CEO Who's who's been in business for a long time? And you know, it is good to to have an experienced CEO You know, hopefully makes the right decisions and you know, that reduces risks And and that's that's good Then you've got Nicholas joined in 2019 15 years of its investment banking experience So in terms of leading IPA transactions long-term track record in tech and renewable energy So you specifically in the Sort of part of the industry there that that is important for this company And you've got you're in co-founded In terms of northern Genesis and the acquisition that's going to go through there, you know, 30 years of experience there She's brilliant Okay so the mission so what is the mission of of Leon electric so what they want to do is be the leader in design and manufacturing and distribution of all electric medium and heavy Duty urban vehicles So they have got a strategic mission here and they are focused with this mission on particular types of electric vehicles These are not electric vehicles You know in terms of comes business to consumer to you know, you're out, you know, you're passing on the street sort of thing You know, they're not aiming the vehicles at consumers business to consumers They're very much linked to business to business or business, you know, it's a different industries And institutions so that they've got a different target market that they got they're going after after and that and that is There's also very lucrative target market as well so their 20 24 vision is 20,000 annual vehicle sales, which is a lot more than what it is now The next bit is 50% Vehicle cost reduction So I think that's in terms of that the manufacturing of the vehicles because with economies of scale as they're able to Manufacture more of these vehicles that can get the costs down Which means a cheaper price for potential buyers and that just as a snowball effect If you can get it cheaper price Then you go you're more likely to even sell even more of the vehicles as well So that's what's part of that vision there And here 3.5 billion annual revenue is what they're hoping for in 2024 it's good that they've got a long term strategic vision there, but we have to be you know cautious You know that they're obviously putting this in their investor presentation, you know I've taken screenshots and excerpts from it just to the key points Don't make this into too long of a video Okay, so some of the key areas here in terms of the investments So it's a leading medium and heavy-duty of an electric vehicle platform Targeting 110 billion annually Winning commercial strategy, so it's trying to establish Relationships with top tier players so in terms of building business Relationships with people who are going to need or with businesses that are going to need these electric vehicles 10 plus years of all electric vehicle Research and development and manufacturing experience and providing in-house industry expertise That is incredibly important because the success of Electric vehicle company particularly in this space the success of it is very much predicated on their research and development They need to provide high quality vehicles that are As a high quality essentially and a way to do that is by you know putting money into research and development so that they can innovate and create Vehicles that are better than anything else on the market in that particular space Strategic initiatives for US manufacturing advanced battery system and new customers favorable total cost of ownership Today and significant improvements by 2024 So in terms of getting the ownership cost of the vehicle down which is which is good and You know, there's there's a lot of aspects there as you can see that they're working on or or a building towards So some of the positives to quickly go through these Good leadership team. So as we can see from that from what we saw it does seem that they've got Experienced people involved in the company, which is which is important. The next bit is it's a solid strategic direction They've got they know what their target market is they know what they need to produce and it's just about building towards that strategy So they've got a strong strategic direction They're not competing with Tesla and EO and a lot of these that you know business to consumer sort of vehicles mainly business to consumer business to customer So they're not competing with them, which I mean both area, you know, these kind of business to business kind of truck Electric vehicles there is some competition out there But maybe a bit less competition compared to the business to consumer. So so that's that's that's good less competition means higher potential profitability possibly Product availability Well, yeah, so they've actually got a product built some of these SPAC mergers they don't sometimes they don't even have a working product and You know and that's not great So, you know the fact that they've actually got a product and they're available and it's being used on a daily basis by You know, however, however many was it 300. I'm sure it's more by now So it's been used and they've got the product available, which is good. And that's a positive history of sales in terms of selling these Vehicles which is brilliant. It's an emerging industry and sector in terms of electric vehicle You know, it's government backed in the sense of, you know, we want to go more environmentally friendly So it's kind of a government backed industry It's an emerging industry because you know in the future, we're only going to see more electric vehicles be it vans be it You know be it trucks be it Normal, you know cars will we're going to see more electric vehicles? And it's got expansion plans as well in terms of trying to always expand and scale up the business So there's quite a few positives to this stock. We have to bear in mind the price But it's that at the minute But just some negatives I want to be fair it because you know, I want to give I don't want to be one of these youtubers that is just hyping up a stock, you know some great youtubers out there, but you know I don't want to be one of those that is is all sort of just hyping a stock up just for the sake of it I do want to be real realistic here and and you know provide a balanced approach to this So there is some some negatives potential negatives. So we've got EV hype first of all So, you know, a lot of people have been investing in electric vehicle stock We've had this massive spike in the stock price So we've had this kind of EV hype here now You can say it's justified because it is an emerging industry absolutely But it's something that we do have to bear in mind in terms of what Price do we want to enter on the stock? Okay, so we've got to bear that in mind when thinking of this The second part is it's speculative. So it's quite the speculative area. Okay, and the third part is Volatility in terms of the stock price at the minute is is is up and down quite a lot There's a bit of volatility with the stock. Okay So there is some some stuff to consider there, but there is more positives that outweigh the negatives there So that's the main point there So the stock price right now is sat at $14 and 74 on the Pre-market, so it's actually up 3% 3.44% on the pre-matte After hours, so that is that's you know, sir That's really good for me because that means I'm close to what like nearly 15% up now, so Yeah, so this might drop slightly again and and you know just monitor the stock I'd put it on your watch list tried to get it You know under 14 if you can if it goes like 1350 or something Maybe try get it get it at that if it goes below there again or 1380 maybe Or just buy it buy a little bit now But I think this is stock has got a lot of potential to grow 50 60 70 percent certainly within the next day You know a few weeks or so so and certainly keep this on your radar this stock I hope this video helped you out if it did, please leave the video a thumbs up It will really appreciate it as a small channel. It really does get you up in the YouTube search results And ultimately that's the only way people are gonna find the videos I know I don't have many subscribers So the only way people can find my videos is through the YouTube search essentially so if you can like it or share the video about or Or subscribe to the channel for you anything like that that's brilliant You know I'm not asking for anything else in terms of selling any courses or anything like that You know I'm not selling any courses if you can just like the video And and subscribe to the channel if you found this video useful in any sort of way That'd be brilliant and I much appreciate that So thanks for watching a video and I will see you in the next one


Tell us about like what that experience was like of like applying to UBC from outside of Canada. Yeah, man. Um, like for me, my best friend was the internet and, um, that's how, that's why I learned everything, man, cause I'd never been to Canada before. So I was just going off the UBC website, seeing the pictures and, you know, like for me, when I was thinking about what to study, like why I came to UBC is just a couple of reasons. The main one was mining. So I wanted to study mining. So when I was in high school, I was looking at things I wanted to study, I wanted to do engineering. When I was looking at what type of engineering, the most interesting to me was mining. So I was like, well, where can I study mining in the world?  I was like either Canada or Australia.


Munna Makrum Abed, a former senator and member of parliament in Egypt, and also still a distinguished professional lecturer at the American University in Cairo. Egypt has joined with Saudi Arabia in isolating Qatar. Why? Well, you see, Qatar has had a strange policy towards Egypt since President el-Sisi came to power. Before that, they were supporting the Mursi government, which was a catastrophe for Egypt, as you know. So this is the Muslim Brotherhood? The Muslim Brotherhood, and it was un-understandable, you know, knowing that 30 million people came out, Sisi had a popularity of 90%, and we asked him to come. I mean, this is not a military coup, as the West insists to say. It is a popular impeachment. If we speak in the American language, because we could not stand to have Egypt's identity entirely changed. We did not want to have a theocracy. We did not want to have clerics imposing on us what we have to do, when we have to pray, what we have to wear, et cetera. Qatar is a very small country, a very small population. Most of the population, of course, is non-Qatari, non-… Absolutely. Is the real fear Al-Jazeera? I think the fear is overblown. Al-Jazeera also has taken a very strange position, because before that, everybody looked at Al-Jazeera. So did I, to get the real picture, objective, and of the whole world. Now it has persistently had negative attitude towards the Egyptian government, only showing negative aspects, not even showing the casualties that we suffer every day in Sinai, whether it is among the army, the police, the civilian, nothing about that. Everything is negative. So how do you think that this situation will be resolved? Not just the Al-Jazeera problem that Egypt has with Qatar, but also the isolation in conjunction with Saudi Arabia. This is very dangerous, I think. First of all, because the GCC was one of the most successful getting together of some countries, and we saw it as a forward model to the European Union. So do you think Saudi Arabia made a mistake? No, I think that both made a mistake, because you are jeopardizing this unity, which was a model after all, whether it was for the economy or a model of regional cooperation. This is what we're talking about. There was no need for a new crisis. We have enough crisis in the Arab world today, and I don't think we can take another one. And they are today jeopardizing this whole thing. When you are asking me what should they do, they should sit at the table and discuss it and have a dialogue and get all their differences out. I'm sure they will find some way of compromising. Well, we'll let us hope so. Mona Makramalde, thank you so much. Thank you.


Hi everyone welcome back thanks for joining in. Let's resume from page 49 we'll skip 48 the preparation to lead we'll come back to that later but let's look at page 49 3.5 reviews and feedback so there's after every worship service after every service there we evaluate as a team and some of the questions that we ask about how the service went mentioned in the notes it says did we encounter God's presence as we played together did we learn anything new about how the spirit of God led or leads us during worship did the congregation recognize and encounter God's presence did we play well together as a worship team where did we not do well and what corrective measures need to be taken to improve these are the questions that we ask every Sunday the team will ask each other and they will have a response that's immediately after the service if you attend APC you would have seen that the worship team after the service will be in a huddle and that's where you know these questions will be asked and they will be sharing their thoughts what what did we learn did we encounter his presence did the congregation encounter God's presence what did we not do well what can we do better next time all of that so I think that's a very important session to have a part of your team is the reviews and feedback it's very important to look back on what happened and what can be done better etc. right moving on to 3.6 which is the worship ministry developmental plan so what is the plan what can we be what can we implement to develop our worship ministry overall so the vision of the worship ministry at APC is to please God's heart in unrestrained worship to encounter his manifest presence and to establish a community of believers who will do the same okay so the progression of that is very simple first thing is that we learn to minister unto him minister unto God before we learn before we minister unto the people which which is part of it but we learn that and recognize that we are ministers first unto God and to encounter his manifest presence and to establish a community of believers who will do the same and some of the areas where you can look at training your the worship team could be through worship team retreats training sessions workshops worship conferences seminars etc. but those are all the things that you can do okay it's like having a vision you know and what we are going to do how to get there is the mission right and so okay we mentioned by saying that worship APC worship ministry is to please God's heart and unrestrained worship and to encounter his manifest presence but first when you go to the next page we need to put down our mission first okay so what are we going to do to get there to have that experience weekend and week out and through the week right one is a pursuit to become a passionate worshipers passionate worshipers will always pursue the presence of God passionate worshipers will always pursue his presence you know we learned very little bit about David Stabernacle earlier on we saw that you know when from Samuel chapter 4 when the Ark of the Covenant was taken by the Philistines and and the Ark of the Covenant was not in Israel was not with Israel for almost 70 odd years and for 70 odd years not a single person felt the need to pursue the presence of God to bring it back to Jerusalem it took David and 70 years for one person to pursue his presence and bring it back to the place where it belonged and so passionate worshipers are always pursuers of the presence of God and and so as a worship ministry our goal is to encounter God's presence what we do is not about performance or just excellent music but about encountering the presence of God okay so you see a table in your notes there are different levels and there are seven levels that is mentioned at the very bottom you have in different levels for example lead congregation in a set of songs that's the beginning point lead congregation in a set of songs what is the expanded version of it you play a set of songs could have an excellent band highly skilled focus is on doing the set well and getting people to sing along okay so you see the focus skilled musicians the focus is on doing the worship set really well and getting people to sing along but the second step is lead congregation to sing to the Lord okay so worshiping worshiping is growing in maturity they play a set of songs they encourage congregation to sing to the Lord focus is still on good performance although the heart is to sing to the Lord okay you know good performance although the heart is to sing to the Lord third step level is lead congregation to worship the Lord I hear the goal is to do a set of songs well with excellence so that people can offer it as worship unto God focus is on offering something to God and some of us might just stop there thinking hey that's a good place to be there isn't it is there anything else better than that we'll see okay occasional experiences of God's presence the fourth one every once in a while we have God's manifest presence we sense his spirit leading in spontaneous prophetic worship we then are able to soak in his presence you know so we've come to a place where as a team as a collective we encounter his presence every once in a while and God decides to show up and there's healing that's happening in this non-stop worship through the service that happens etc and that occasional experiences of God's presence becomes regular experience of God's presence we regularly experience God's manifest presence it's not just a once in a blue moon kind of a thing we that's what we thrive to go for that's what we pursue right we want the regular experience encounters with his presence right we flow in prophetic worship constantly consistently we soak in his presence unexpected and unusual things happen healings encounters deliverance etc and so you know when when healing or an encounter or deliverance happen it's not oh wow that person got delivered it's such a rare sight no but we still praise God for the healing and for the deliverance but we like you know this is what God is all about this is what we're pursuing this is what we want for us as a team and and and for the church okay and and then keeps getting better lead congregation into the throne room we are able to step into the throne room we are overwhelmed by his presence in glory we are lost in awe and wonder amazing things happen and finally become a habitation of God his dwelling place the throne room is where he dwells and it's a place where we are called to dwell as well or more correctly God is dwelling amongst us right whenever wherever we worship we are overwhelmed by the God's manifest presence and so are you see from stage one from just about singing songs well into being a dwelling place right and to dwell in the very presence of God it's a huge leap it's a huge leap but we grow step by step you recognize where your team is right you recognize where your team is I would say that our team is at four and we are constantly when I'm wanting to pursue and you know have those experiences regularly the throne room experiences regularly so you recognize where your team is and see what you can do to get them to the next step you know okay we're a bunch of good skilled musicians we sing songs well what's the next step I'll be singing to the Lord are we encouraging the congregation to sing to the Lord right and then if that happens okay and I'll be encountering his manifest presence is that occasional or is that regular if it's occasional what can we do to make it regular that means we pursue his presence more we seek his face more wait we spend time in in prayer and in worship as a team and as a church building a culture until encountering his presence becomes a regular phenomenon right so this is a pursuit as our as is our pursuit as a team is to come to a place where where God is pleased with our worship and that he makes us his dwelling place right so Psalm 22 verse 3 it says he dwells the Holy One of Israel was well in the middle of the camp of Israel right he built of it builds a throne of praises he is enthroned on the praises of his people right so that's what this is a pursuit and the other thing what you might remember this table from the last year's course on the local church is that another pursuit of that is that we want to serve to establish God's blueprint of the local church through worship ministry and so as a worship ministry we are aligned and working towards establishing God's blueprint in our lives do you remember we looked at the differences between a band and worship team or a local church worship team right we mentioned that a band will have banned visions and the local church worship team will have the vision of the senior pastor or the vision of the church and the overall arching image of that is that we implement the God's blueprint okay so this is a pursuit as a team here at ABC and another thing that we look for other other requirements of a worship team member at ABC is coming down to page 52 is commitment okay so if I were to ask you the importance of commitment what would you have to say how would you define commitment in your own words define commitment for me please how would you define commitment feel free to unmute and speak or share okay being dedicated to to the work in spite of circumstances all right thank you there's a totally Anita Rosalind what do you think of commitment London Paul commitment is honoring their availability or honoring their the commitment that they've already made with respect to time with respect to the talent and so that they they don't have to be a dependable resource they turn out to be a dependable resource yeah that's that's one way to put it thanks London thank you for sharing that right there's a wonderful publication by ABC which past ashes written called the power of commitment it's that book is about 25 pages long it's not a it's not a big book it's a booklet I should say the title again is the power of commitment and the PDF is available on a website it's a wonderful read for yourself and it's also a wonderful read to share it with your team members to have like a group discussion on the topic of commitment okay but that is a huge aspect here or requirements we look at it from a worship team member here at ABC is commitment to the local church right first one we look at is a commitment to the local church means that APC is our church family we are committed to growing in this church maybe not church hopping every Sunday here there everywhere no this is my church family this is where I'm choosing to grow spiritually I'm committed to grow spiritually I'm gonna receive nurture and be cared for in this church I should make that commitment one it begins there even before you pay me you're part of the team your commitment to the church begins you know earlier on commitment to the local church means that APC is our church body we are committed members of this body we find our place and fulfill our role and function in this body so if you're part of a body like just like any other body like your hand or a feet you know so there is a specific role and a function for each part of the body isn't it and so you committed to APC or any of your church as a church body and you find your place and you find your role and function in that particular body and you fulfill that then you're committed to that role and function and commitment to local church means that we are committed to the leadership God has placed at APC and we are 100% aligned to APC statement of faith vision values and culture at APC and commitment to the local church means that we receive what God is releasing to us as a local church and we flow with join in and actively participate so you see when we talk about a worship team member being committed to the church it's not just to the team they are showing their commitment to the entire church and in and it's expressed very differently they are saying yes to our statement of faith when they are saying committed they are saying yes I will you know APC is a church family they are saying yes I'm choosing to grow here spiritually and I'm going to be actively involved and participate in what God is doing in and through APC right so you see commitment begins way before they are even part of the team you see that's the prerequisite and then once they are part of the team and how they can express their commitment to our church is that they don't show up to church only on Sundays that they are rostered I'm rostered only on the 8th of October so I'm going to come to APC only on the 8th of October I'm gonna come lead worship play some music and for the rest of the month I will go to this church you know I will go to that church I will travel wherever everywhere and you know that is not being committed isn't it because you're not saying that they are your family that they are your body you might be using them as a platform to get your own agenda done establish your own ministry you see so your commitment to the local church is expressed by being able by being part of what God is doing in and through APC or your church and attending all services all Sundays you know not just the Sundays yet you are rostered connecting with the rest of the church family before service and after service are you connecting with them being involved in the ministries at APC where we can serve as part of the worship ministry and or in other ways is there any other team that you think you can help in you know so all of that is just a few ways that you can express your commitment you know to a local church in your own local church and being committed is a very powerful thing if it was easy anybody would do it or everybody would do it commitment takes effort it I remember when I was on Facebook you know it's a you know there's a question about your relationship status and a couple of choices there you are either single or commitment committed or there was something else I forget turbine was a very funny option confused and if you if you've changed your relationship status to committed oh you know it's a big deal about it I'm talking about a decade ago and so commitment is is not an easy thing I let your yes be yes and you know we know kind of a thing isn't it that's what commitment is if it was easy everybody would do it but there is power in commitment when you when you show up on time you know week in and week out what you are communicating something to the people around you you know what like what Linden just said a reliable resource as a as a leader I would want to if I want to assign a responsibility to an individual I will first need to know that okay is this person reliable will this person carry it out if I know that this person is not reliable because you know it's very he's very unpredictable you know he may show up he may not show up you know I need some for example I need someone to project the lyrics every Sunday to be part of the media team and imagine a person doesn't show up on a Sunday morning to you know to do the lyrics during all the presentation the person said they will come and but they didn't show up there's no communication as well from their end and you immediately think okay you know next time I'm not going to give this responsibility to this person because he is not really he or she is not reliable not committed they're not committed to communicate even right okay you know there could be a several reasons why the person can't make it but did they come did they communicate all of the small things is very you know important and crucial because that is in line with personal accountability everything that we spoke about commitment it was general so far I know but it also all boils down to your personal accountability and we speak about in page 53 is a bunch of things so as a individual are you personally accountable for your life do you hold yourself accountable okay and some of the practical ways in which personal accountability can be expressed one is a worship team member ensures that they spend personal time with God that they walk with God in word in prayer and personal worship is strong but your worship pastor cannot police you around once you go back home you know nobody's going to know what you know how your life is but do you hold yourself accountable enough to be strong within God that you hold yourself highly accountable to walk in holiness and not in sin and also you know as individuals life is going to be rough there's going to be a lot of ups and downs when you go through a season of a season of a rough patch you know a season of wilderness and that you feel like you're not able you're not in a better position spiritually to give or to lead worship or you know do you or you addicted to a sin or etc do you hold yourself accountable enough to come and meet your pastor and say I'm struggling with this I'm going through a season of wilderness I'm going through a season I'm addicted to a certain things do you hold yourself accountable and say can you not roster me I want to step down for a while and work on myself that is also holding yourself accountable we're reaching out to any of the pastors of our spiritual help to be strengthened that is also holding yourself accountable right and and personal accountability can be you know attributed to so many other aspects of life like if do you practice are you working on your skill are you not working on your skill if you're not working on your skill that's again you're not holding yourself personally accountable or highly accountable of yourself right if you're not able to practice if you're not able to rehearse if you're not able to prepare or organize yourself or be committed again you know and all of those are red flags and you should be in a position to express it to your leaders and say I am not in a better place right now I need to take a break and I can speak with you when I'm ready you can roster me again and most of the people when they're going through a rough patch are very hesitant to speak to their leaders and and say you know I am I am going through a rough time and so that also says that a leadership should create that culture or the environment where people feel safe to express what they're going through and you know it's not a it's it's not a toxic culture or a toxic environment where an individual feels that oh no if I go and share this weakness what I'm fighting I will be judged I will be ridiculed I will be thrown out I will be made look as a as the worst sinner if that is the environment that the individual feels that they are in they will not express they will continue doing serving in the team you know putting on a mask saying oh everything is well everything is nice I'm happy all is well but they will be going through a really tough phase so it's very important that as leaders as a ministry that we create an atmosphere or an environment where people feel safe to be a vulnerable okay that they have this confidence saying I am confident that I can go and share my weakness and I will not be judged all right that's again holding yourself personally accountable so all of the above and you can go through the notes you know it's there so all of the above are expressions of personal accountability all right all of the above are expressions of personal accountability okay so actually I just want to stop here for chapter 4 on talking about worship ministry and organizational aspect because the next class we want to start talking about the spiritual aspects of the worship ministry so do you as anybody have questions that you want to ask or share about this in your others do you want to share experiences from your own church regarding worship ministry or any challenges that you faced encountered feel free to express we can have like a discussion if you want how many of you here are called for worship ministry all right I think this is the last class for this course then I don't think we need to continue with this course okay well if there are no other questions for questions we can stop here and I'm intentionally stopping it only because next class we'll start talking about the spiritual aspects of worship ministry all right well thank you for joining I'll bless you I'll see you next week


What's going on everyone? Sam here with late in sports car driven 23 tops for scene at baseball hobby four box break number 10 random team style. Let's look again at your random results as always combine those on the website under the results tab as well as the link that's in chat. It's good look everybody again just 10 to go on team all five to go on peony one and 13 to go on star war six series it's all we got left tonight all we got all we've got left two knots got a rizzo and orange erin judge to 25 for the inks pack god oh yeah you know what machado josh young fresh faces kuholz and jp crawford yeah Byron buxon aromas ramirez and hobby bias a bobby witt jr fresh faces tim anderson purple chuck nasty to 99 nice color match for the uh rockies very nice there hey salvi uh julie guerrilla and jose maranda round the diamond jersey auto going to the twins there you go mini francesco alvarez clay holmes and itchero for the mariners 299 alberpools going going on now are encased carterinos sandy alcantra and charlie blackman what's up timmy orange louisa rias 11 to 25 for the marlins got orange francesco alvarez rookie 4 of 25 for the mezz grads mezz base rookie auto kyle stowers refractor for the orioles grads baltimore and gold sandy alcantra 9 of 50 on the auto going to the marlins congrats marlins machados out of control yeah donnie's way out of control oh yeah at least brown's good at running pack my third base good lord chris bryan and fromber valdez adley ruchman rookie uh tay oscar and blue jacob the grom to 75 ranges that's oh snap erin judge tony gonsolin and mookie betz donnie if i buy into a break i don't want to refund if i don't get anything go ahead and walk you remember that guy oh kodaisenga forgot about it but yeah erase that memory ornado gold nolan ornado to 50 20 times jt realm uto and louisa rias around the diamond for the uh the twins again nice one there twins both uh around the diamonds gonna go into you uh oh snap orange to 25 for nanotatsis jr congrats on that one there uh san diego very cool john f with a spot in team all thank you john uh team all is down to uh eight to go eight to go on team all everybody nice panini one at five to go still and star wars sig series at 13 mark maguire going going going dancy swanson purple chris bryant two at 99 show hey oh tony want to see how long it takes for vaughn until you switch the jagged profile marcapel and teosca hernandez week one vaughn's done with the uh profile pick of the jags to 75 justin verlander on the blue until he's done with the there's one soto to 75 for the padres i'll say miguel vargas makes it through the year wow okay rookie auto for the dodgers nice one there on the base and two 99 joe musgrove four of 99 for the padres and the auto as well i think we'll hang in there i'll do it till week two so you guys know now they'll they should win that division you're ready by week like 12 it's just gonna be lauren's face jarrar and carnacion orange cori seager for the rangers to 25 probably stay jags till around the new year that it's probably going to be lucky back going back to lucky yeah fair fair fair fair j rod what's up uh no he's rangers rangers rangers yeah uh jim tommy and anthony volpe refractor yeah the anil wildcard is nuts francesco alvarez rookie kyle stowers victor robles vaughn herrera vaughn grissom rookie fresh faces erin judge refractor purple martin paredes 299 hello rory hello rory rory one soto going going on uh tony glenn we've got redemption popular demand autorellic orange parallel of mariano raveira going to the yankees nice one there new york that's awesome tommy with a spot in team all thank you tommy should be down to seven i believe now i would check out yes it is down to seven nice one there yanks uh i will tell you right now quicks we are on schedule so we uh everything's sold out up until then and past then um so it should start at 10 35 p.m eastern time 10 35 p.m eastern time uh yoshida rookie and frank thomas going going gone page row and a blue erin judge to 75 for the yanks nice one there adley ruchman rookie corbin carroll rookie and going going gone of gold schmidt all right we've got cannon smith and jigma and asturiet ruiz nice one there uh for the pirates and a's blue of max castillo to 75 gold mariano raveira mariano box right there nice one there yanks 11 of 50 base rookie auto grand ashcraft yeah i got you quicks no worries no worries going through the reds and gold 50 of 50 dylan carlson fresh faces auto for the cardals right last box come on let's see some last box mojo here yeah yeah i mean breaking news why do people watch this hey have a going quick see you see in a bit for sure that is a matthew batten and josh young refractors on your rookies a brett baby rookie fresh faces heather o'neill purple jonah bride rookie to 99 for the ace logano hoppy nolyn gorman von grissom and riley green fresh faces hozer amiris blue jacob the grom to 75 ranges sammy sosa luisa rise immanuel clausay yeah i know even the nl central is interesting so that's a good point riley green uh nolyn arnato oh snap ryan serban rookie blue aweson riley going to the braves to 75 goharish rookie corbin carol rookie david orteez going going gone and last uh inner pack here oh man ernie banks that's going to be tom clavin for the braves around the diamond jersey auto two and 99 nice one there congrats braves bravos going going place on xmyre jason veritech we've got gold riley green fresh faces to 50 nice one there congrats tigers and erin judge going going going got a brandon woodruff and andres himenez in case brewers and guardians blue matthew liberator to 75 62 is 75 rookie for the cardinals nice one here having a blue corbin carol 33 of 75 for the diamond backs congrats arizona uh dylan carlson refractor rookie auto again this time for the cardinals the base version and nice way to end it having a blue yordan alvarez 41 of 75 going to the astros nice one houston take that for sure greaty all right quick recap here everybody the orange oh snap to 25 for nano tautis blue corbin carol to 75 orange francesco alvarez to 25 at a tom clavin mariano revera louis arias and jose maranda we got autos base autos now dylan carlson gram ashcraft miguel vargas kyle stowers joe musgrove to 99 blue yordan to 75 gold dylan carlson to 50 and gold sandiel contra 50 that will do it for the break guys thanks again for the filp up next is the two box uh divisional


Welcome back to corporate governance and we are moving forward with our different sessions and we are looking at different strategies, we are looking at different circumstances, we are looking at different inferences and how various issues can affect governance. Today, we are going to be talking about issues of governance related to the remuneration process. Now, ladies and gentlemen, when we talk about remuneration, then basically the governance of remuneration or incentive systems has often failed because negotiations and decisions are not carried out at an arms length. So, what we see is that favoritism, nepotism, personal likes and dislikes, discrimination basically come into the remuneration incentive systems and due to that in many cases it is striking how the link between performance and remuneration is very weak or difficult to establish. If that is the case, then ladies and gentlemen, if the performance system is not linked with the remuneration system, then we also see many problems emerging in human resource management and labor unions basically clicking in and a lot of disgruntlement emerging which can create a lot of chaos and confusion and ambiguity within any particular organization and therefore it is very important that the remuneration and incentive systems are professionally managed and are done in a scientific structured way so that they are equitable, they are compassionate and they are seen to be fair and that is extremely important when we are developing these processes. Remuneration schemes are often overly complicated or obscure in ways that camouflage conditions and consequences. Transparency needs to be improved beyond disclosure. Remuneration policies should be submitted to the annual board meetings. So again, many times we see that sometimes the top management has very high remunerations going into millions, sometimes hundreds of millions while the lower staff have very low salaries even below sustenance and the gap between them is so enormous. So this itself becomes a corporate governance issue and it becomes very important that there is complete disclosure, there is transparency and the board is aware of what is happening and they should not be camouflaged in different packages so that when the total packages are calculated then the results are astronomical especially in the context of top management and detrimental for those in the lower management which creates an animosity between the different sectors and between the different segments and different departments of a particular organization. The goal needs to be remuneration incentive systems that encourage long term performance. So again, should be hinged or leveraged with a performance management system looking at the long term defining the structure of remuneration incentive schemes is a key aspect of corporate governance and companies need flexibility to adjust systems to their own circumstances. So yes, there is no one size fit all, it has to be customized, it has to be rationalized, it has to be legalized and it has to be done in a very equitable way to ensure that corporate governance is being practiced by the organization. Steps must be taken to ensure that remuneration is established to an explicit governance process where the goals and responsibilities of those involved are clearly defined. So ladies and gentlemen that is why this remuneration process or remuneration structures are very important in corporate governance and there has to be clarity, there has to be goal orientation, there has to be process centricity and most importantly there have to be responsibilities that are clearly defined and also ensuring that whoever is doing it is doing it based upon merit, is doing it based upon equity and is based upon transparency and that leads to a better remuneration process leading to corporate governance. Thank you so much.


Okay, yeah, so I want to tell you about this note about a perfect correctness by de-randomization. This is joint work with Vinode. And this talk is really about randomness. This is the main theme. And we all know that randomness is crucial. It's necessary for cryptography. It's the error that we breathe. Without it, we can't do anything, right? But it also comes with the usual price of randomized algorithms, which is that they make errors, right? For example, public key encryption schemes that are randomized often make decryption errors. And this will sort of be the running example for this talk. So why should we care about errors? After all, when we do care, we probably don't care with negligible probability. So why care about them? So first, I want to say it's sort of a very natural question from an aesthetics perspective. Why should we have errors if we want security? But beyond that, something that seems more significant is that actually errors often lead to insecurities, very often lead to attacks. One simple example is when you try to construct a commitment scheme from public key encryption. If you have decryption errors, you'd be able to equivocate another quite well-known example or chosen ciphertext attacks. And these are not just attacks on specific schemes, but also against our methods of actually immunizing schemes against such attacks. So what can we do about it? Can we avoid such errors? And this is a question that has been quite extensively studied in the context of algorithms and complexity. And there, the answer is sort of very clean. It's the randomization. We can actually try and randomize probabilistic algorithms and then sort of get rid of errors. We can, in fact, under mild hardness assumptions, know that we can take any randomized algorithm and sort of switch its coins to use fake pseudo-random coins, which we call Nissan-Wigderson coins. And I'll talk about those soon. But the point is that we cannot hope to do this for crypto. We can't really hope to completely de-randomize a cryptographic scheme. Because, again, deterministic cryptographic schemes are insecure. So what do we know to do? So we do know how to solve this problem, at least partially solve this problem in certain specific cases, in particular in public key encryption. And the reason I say that we know how to solve it partially there is that what we basically know how to do is sort of shift the errors to key generation, meaning that for most keys we won't have decryption errors. But in general, this is a problem that we don't know how to solve. So let me tell you what this note is about, what we do in this work. So we basically show a simple transformation that can eliminate errors from a large class of cryptographic schemes. And roughly speaking, the way that we do this is we combine two types of pseudo-randomness. One is this Nissen-Wigerson type of pseudo-randomness from complexity together with the cryptographic pseudo-randomness that we all know and have been using for a long time since it was introduced by Blamikali and Yao. OK, so let me be a bit more precise about what we do. So what we show is that you can take a cryptographic scheme that for any given input may make many errors, but on most of the time, for most random coins, it will be correct and turn it into one that is perfectly correct. But we cannot do this for any cryptographic scheme. We do it for a certain class of cryptographic schemes, which are secure under parallel repetition, which roughly means that if you run the scheme many times, it's self-composed. It remains secure. And this is something that is automatic for public encryption or obfuscation and many other cases. But it's still a feature, something that you should require if you look at multi-party computation. Sometimes it will hold, sometimes it won't. So this is a condition that we'll need. And what are the underlying assumptions? So from a cryptographic perspective, it's a simple assumption, one-way functions. And we also have an assumption that comes from the complexity from the Nissen-Wigerson type, randomization, which is basically that there are computations that you can solve in uniform exponential time. But sub-exponential circuits, even nondeterministic ones, cannot solve it. It basically says that nondeterminism and non-uniformity doesn't significantly speed up computation. And it's a mild complexity assumption. It's sort of the assumption that we use to the randomized AM, the equivalent of NP. So I want to mention one corollary of this transformation. We, in fact, noted in certain settings, for example, in public encryption and in obfuscation, we can even sort of deal with a situation where there are even errors on many of the inputs, not just over the random coins. And this transformation usually results in schemes that are correct for any inputs, but still error over the randomness of the scheme. We can now get rid of it and get perfectly correct public encryption or obfuscation. OK, so for the rest of this talk, what I'd like to do is tell you a little bit about the basic idea behind this transformation. And for this, I need to tell you something about this Nissen-Wigerson type of pseudo-random generation that I mentioned. And here the goal is the following. So you have a randomized algorithm. And you want to make it deterministic. And the way that you're going to do this is by somehow using this specialized pseudo-random generator, a Nissen-Wigerson pseudo-random generator, that has this very nice property that the seed is extremely short. How short? It's actually logarithmic. So if you have a logarithmic seed, then the way that you can randomize is really enumerate over all seeds. So this is basically the way that these guys worked. Now, of course, as I described it, it doesn't make sense against algorithms that run in arbitrary time. This is very different from the way that we think about pseudo-randomness in the cryptographic setting, where we want a single fixed pseudo-random generator to full arbitrary polynomial-sized adversaries. Here it doesn't make sense, right? The adversary might be able to run this pseudo-random generator. The seed is very, very short. So the right picture to look at is this. We really, in this setting, think about a fixed time algorithm. And we know the running time of this algorithm ahead of time. And now we can accordingly design the pseudo-random generator. So the pseudo-random generator in particular can run for longer than this adversary, sort of swallowed the adversary algorithm. And we also allow some slack in the indistinguishability. It doesn't have to be negligible. You can think about, you know, 3 over 4, something for the sake of this stock. So these are Nissan Vegas pseudo-random generators. And they can be constructed even under worst case assumption of the type that I just mentioned. And they've been used to randomize algorithms in general. But they've also been used in cryptography, not for correcting errors, but actually for removing interaction. So Ba-Kong and Vadan showed that in certain cases, like ZAPs or Orr's commitments, you can use these objects in order to shave one message from the protocol. And then these actually need a slightly stronger assumption than usually, which is the assumption that we use, which also means that we're not only trying to fool deterministic algorithms, but also non-deterministic algorithms. They can have a non-deterministic guess. And we'll see later on where this exactly comes in. OK, so we have this object now. And we'd like to try and use this in order to correct errors in cryptographic schemes. And let's, again, think about our running example, which is just public key encryption. And here we have the encryption and key generation algorithms, which are randomized. Each one has its own randomness. Of course, something happens. You generate keys. You encrypt a certain message. We're going to think about this message as the input. And then you're the crypt. Now we can try, of course, think about this entire thing as a randomized algorithm over the randomness of the key generation and the encryption. It runs in fixed time if you fix the size of the message. So if it makes the encryption errors, maybe we can just do randomize it. And now it will work. But again, I'm repeating myself, this might be correct. It will be great, but it will be insecure. Won't be great in terms of security. So how are we going to use this? So the basic idea is the following. We're going to somehow decouple security and correctness. We're going to show that you can sort of split the randomness of this system, of this randomized algorithm, into two parts. The security is going to come from one part of this random string. And the correctness is going to come from the other. And we're simply going to exhort them together. Now once we have that, what we're going to do is basically in order to generate the randomness for this second part, we're going to use the Nissan Bigerson pseudo-random generator. And we're also going to have to generate somehow the parties in charge of security. And this is something that we're going to do using cryptography. So before I tell you exactly how we do this, just to understand the high level picture, once we have such a scheme where we manage to separate the randomness in this way, then we're going to follow the usual paradigm behind the randomization, which is just to enumerate over all of these Nissan Bigerson pseudo-random strings, we're going to look at each and every possible seed. Remember, there are only polynomial many. The seed is basically logarithmic. And this should already guarantee security. And for the second part, for the cryptographic part, we're going to independently generate these cryptographic random strings in each one of these instances. And then at the end, of course, you just take majority. This is the usual thing you do in the randomization. These things will be correct most of the time and will get the correct result. Now notice, because we're basically applying this scheme over and over again, as many times as the number of seeds that we have, then we really need here. This is where security under power repetition is needed. Again, for encryption, this is basically for free. OK, so let's look a bit more closely and try to understand the different parts here. So what do we want from these strings? So from the string that is in charge of correctness, what we're going to require is that most of the time, for most choices of these strings, we're going to have perfect correctness. Regardless of how you're going to choose the cryptographic string as long as you choose it correctly, then we're promised that we have perfect correctness. This is what we want from the correctness string. What do we want from the security string? We want that for any fixed string I want that is in charge of correctness, we know exactly how it generates just a Nissan Vigerson string. We have security when we sample R2 at random according to this cryptographic process that we need to describe. So this is basically what we want from the two strings. Let me tell you how we get them. So let's start with security, because this is sort of simple, at least understanding the transformation itself. The way that we're going to generate the string is in charge of security. We're going to generate randomness for each one of the algorithms separately. Here we have the encryption algorithm and the key generation algorithm. But we're not just going to sample them at random. You can think about it and see that if you do that, then you won't be able to ensure correctness. The way that we're going to do this is that we're going to use cryptographic pseudo-random generators. So each one of the strings for the cryptographic algorithms is going to be generated using a pseudo-random generator. The usual one, the one that you're used to thinking about. And all that we're going to need is that its image is sort of sparse enough. So it's expanding enough. We'll see in a second where it comes into the picture. But at least in terms of security, it's clear that this is OK. So pseudo-random strings are as good as truly random strings. So our cryptographic schemes are basically using kosher randomness. And everything will be secure as we expect. So let's try to understand now where does correctness come from. And why is it the case that for most strings R1 will get perfect correctness, basically? So here's what we want to do. So what we want to do here is we basically want to think about the randomness space for the scheme that we care about, in this case the public key encryption scheme. And we know that it has a set of bad randomness. We said that it's not too large. It's less than half. And actually, I'm going to assume that it's really tiny. OK, it's negligibly small. You can think about it as exponentially small. This is actually without loss of generality. We can amplify here by repetition. So we have this tiny set of bad randomness, those random strings that would lead to the encryption errors. Now, if we look at the first part of our string that we generate with the pseudo-random generator, then it already seems like we're getting somewhere in the sense that we know that the image set of the pseudo-random generator is also pretty small, because it's a pseudo-random generator. It's very expanding. The image is very sparse. So at least we can hope that we can sort of leave in the same reality without conflicting. But of course, in the worst case, it could be that these pseudo-random strings do intersect with our bad random strings for the algorithm. So what we basically do is just shift them at random. So this is the second part of the string that is in charge of correctness. And what this guy does is basically just shift the bad set of strings, or actually the pseudo-random strings, at random. And we know that with very high probability you can take a union bound. This set would usually not intersect the bad set of randomness and will certainly occur for more strings. So this is the basic idea. And it's actually a known idea. This is something that is known as reverse randomization. This trick of just shifting your space of randomness. It goes back to Loutman's proof that BPP is in the polynomial hierarchy. It has since then many cryptographic applications. You might see that they have something in common. I don't know. Maybe now you see that they have something in common of these applications. And if you're colorblind, maybe now you can see that, yeah. This is a trick that, for some reason, morning or used again and again and again, almost felt like we need to call him and ask if it's OK to use this trick here. OK, so this is one remark. This is a pretty useful idea. The second one is I didn't really tell you where we used pseudo-randomness against non-deterministic algorithms. So we said that we need our pseudo-random Denison Vigderson, pseudo-random generator, to also fool non-deterministic algorithm. And the reason is the following. The reason is that testing that actually this string of things in chart of correctness is really good. Namely, it doesn't intersect the best pseudo-randomness. It's not something that we can do very efficiently, but not deterministically, because we need to know the seed for the pseudo-random generator. And this is something that you can guess, but you cannot do it deterministically. And this is where it comes from. OK, so let me end just by giving a recap of this construction, which is pretty simple. At the end of the day, you take your random string, you split it into two parts. You generate one with cryptographic pseudo-randomness. The other was the pseudo-randomness you need for the randomization complexity, and you take the majority. That's the entire transformation. So that's it. Thank you. OK, thanks for the talk. We have sometimes for questions. So can you explain to me why can't you use NARS trick directly, just using a short seed for the PRG? And assuming that you will probably miss all the bad sets, what was the? There's the random string there. So if you use the NARS trick, what you're stuck with is you have basically, you can think about it as an intermediate model, where you have a scheme that you can sample one random string, this shift that will give you perfect correctness, then you're fine. But now what about this random string? It has to come from somewhere. So one thing you can do is actually non-uniformly fix it. You'll get a non-uniform scheme. And what we do is de-randomize it.


Carried away with the stickers and the B6 so I had to do a lot of bring a lot of stuff over to my classic so I was so glad to have it and this is the way it came out but I'm excited to do a spread today because I have some new sticker paper that I'm super excited about because this paper got me going I was like oh my god what kind of paper is that I need that paper and then I printed some kits on off of Etsy so let's hop right into it our only thing is I'm not digging this green but let me see if my kits have some green in it and which one we should use now this one has green in it but I didn't use I didn't use that new paper for this one let me see oh this one does let's use this one this is the new paper so I'm gonna use this one this kit came from the planner shack I want you all to be able to see that the planner shack and this is the premium matte paper so I'm gonna jump well let me go through the kid I'm very sorry so this is what the kit looks like this kit was called I think farming farmers or planting I can't remember but this this what it looks like I cut it on my machine my silhouette machine you get the choice of four girls but I noticed no that's my other kid yeah the first lady I may have to color her and she's okay I wanted to be brown and this is the other one now there may be I don't know if these lines belong there but my machine my printer that's from looking into a new printer sometimes it prints real monkey like and then I figured out you'll see on my next video my last video I figured out the cutting it kind of gets off if I switch in between cutting and trying to print so that's what it looks like so I'm not gonna delay this video any longer let's get going the first thing I'm gonna do is lay my date that's like well my dates I think no I'm not gonna be reduced my days because that they are hmm I just have to save this for something else yeah okay well let's get going I wanted to basically come on and do a voice over because I hardly ever get to talk to you all while I'm planning and this kid I just loved it I love of course the paper that I printed it on and it just came out so so nice to me this kid again is from the planner shack and again it was just such a pretty pretty spread and I was thinking by using these pretty spreads that I would basically come in my classic more often because that pretty much was the case last week was that the spread was so pretty that I just kept going in looking at it and wanting to plan in it and I even like the way the paper the regular paper fills in the classic I know that's a little off but I just love writing on that paper just as well so yeah this kit was so simple to use everything is there for you you know easy to line up and I just loved it so if you want to purchase this kit you can go on Etsy and look up the planner shack again I think this is called I think or I'll have to look again I can tell you better I could probably put it in the description box if I remember but yeah this kit was so pretty I really really enjoyed it and again that paper I'm telling you all that premium matte paper is the waterproof one it is fabulous and you can write on it and it's just perfect so I'll let you all watch a little bit of the video and I'll get back with you and we'll chat in a second okay you guys I wanted to come back quick because I just thought about it as I was laying these boxes here that a video I did it's coming out it came out yesterday last night there's some new planning and my phobos and I use pieces of this kit excuse me I use pieces of this kit because there was so many options in this kit I could have not possibly use this whole kit unless I filled up every square everything so some of the options in this kit allowed me to use it in my phobonucchi because the boxes were just a nice size for the phobonucchi it was small there were some medium ones and I still have pieces of this kit left that I could use in another spread and I'm gonna save this kit parts of this kit for another time it may be a year from now or what have you but I just like having options and being able to use a kit more than you know in one spread so yeah again I really really enjoyed this kit that sticker is pretty good but I believe I'm gonna fix that so yeah so I hope you guys are enjoying this video if you're new to my channel welcome and I love having you here please hit the notification this is how it turned out my battery is about to die but I don't think I'm gonna add any more thing I want to leave room and I still love the way this sticker kit feels anyway so some stickers are kind of crooked because this is not like my regular removable matte sticker paper so it just wouldn't budge so like once it was down it was down so they're a little crooked but I want to try something different today like decorate across here I did cover up where I put laundry I don't know if it'll come back up but pretty much this is it I'll try to do it after the pen if not this is what it looks like and I will see you all in my next video


Since its inception in 1989, it has been an exciting, successful, and rewarding journey. This year marks the 10th anniversary of the Commonwealth of Learning. Welcome to our celebration. Happy 10th anniversary from the Commonwealth of Learning. Happy birthday, Carl. I'm extremely glad to know that the Commonwealth of Learning is celebrating its 10th anniversary of existence. Congratulations on your 10th anniversary. May your efforts continue to be a fruit well into the new age of the millennium. On behalf of the University of South Africa, UNICEF, it gives me great pleasure to congratulate the Commonwealth of Learning on its 10th anniversary. As Prime Minister of Canada, I am very pleased to be part of this celebration of 10 years of the Commonwealth of Learning. The President of the Commonwealth of Learning, Raj Tenorajan. Welcome to our celebration of 10 years of achievement. The last 10 years has seen remarkable developments taking place in the way the world has invented and applied communication technologies for purposes of entertainment, information dissemination, and more recently, education and training. It is in this context that the Commonwealth of Learning will find a continuing role for itself in its second decade of life, as new technologies will create enormous opportunities for teaching and learning. There is definitely something to celebrate. Commonwealth of Learning, or CALL, has enjoyed a successful 10 years. The results of its work toward developing human resources through the application of distance education techniques and technologies is having an impact in every region of the globe. We have been very fortunate to be assisted by the Commonwealth of Learning. Through local adaptation and train the trainer programs, CALL has had a direct influence on the success of a variety of distance education programs. CALL meets requirements throughout the Commonwealth from basic education to vocational training to continuing professional education. The Commonwealth of Learning has been an inspiration to Contact North and a source of encouragement to share its expertise and experience with other countries in the Commonwealth. While operating out of Vancouver through the hospitality of the governments of Canada and British Columbia, information on CALL and distance education is distributed throughout the world. CALL has acted as broker for us in a number of things. A linkage between the University of the West Indies and three Canadian universities. So the Commonwealth of Learning is very important to people like ourselves. Partnerships both with local institutions and other international agencies are key to CALL success. CALL and the Commonwealth Secretariat are working with the University of the South Pacific to develop distance training programs for laboratory technicians based on materials obtained from Britain. In India, CALL is working with the Indira Gandhi National Open University. CALL awarded 100 Rajiv Gandhi Fellowships in 1996 to enable students from 19 developing countries throughout the Commonwealth to follow a Masters of Distance Education program through IGNU. 60 graduated in 1998. The Commonwealth Educational Media Center for Asia is another important resource with over 10,000 educational radio and television programs. Building on this success in Asia, a Commonwealth Educational Media Center for Southern Africa is planned. And perhaps some of its most important work has been to put developing countries in touch with each other. CALL is currently working with eight Southern African countries, upgrading secondary school teacher skills and resource materials. New members of the Commonwealth are already benefiting from CALL's rich resources and experience. With partners such as Australia and New Zealand, CALL addresses the special needs of the Commonwealth's many small island countries. One of CALL's specialties is the application of low-cost educational technologies. Much of CALL's work impacts the Commonwealth as a whole. CALL's ongoing advocacy is important as it helps build awareness of the value of distance education and facilitates the sharing of learning materials and resources between institutions. The Commonwealth of Learning's advocacy of these approaches has done much to highlight the work being done by open universities and given a boost to UNICEF and similar institutions. The transformation of educational systems throughout the world over the past decade can be credited in part to CALL's promotion and development of distance education within the Commonwealth. CALL's network of resources can be assembled to provide consultative services to other agencies and governments outside of the Commonwealth. CALL is especially committed to improving conditions for women and children to better access to education, training and technologies. Community-based non-formal education can also provide important personal improvement and health information. CALL's briefcase radio station has been installed in several locations for this purpose. CALL is helping governments meet the staggering human challenges posed by an interdependent global environment. But above all has a means for people, people everywhere to achieve their individual dreams and potential through education and training. That is what the Commonwealth of Learning is all about. Today CALL's mandate is even more crucial. CALL is now perfectly positioned to play a large role in meeting the demand for ever-widening access to educational opportunities at all stages of people's lives. During the past 10 years, CALL has played a significant role in distance education and open learning on the brink of a new millennium or looking ahead to another decade of growth and accomplishment.


Welcome back everybody. I'm Peter Clausi. This is Investor Intel. Like many people, I was confused by the GameStop phenomenon. So when you're confused, you reach out to experts to help you. And today we have Dr. Richard Smith, an expert in this field, to help us figure out what's going on. Welcome, sir. It's great to be here, Peter. Thanks for having me. Now, before I ask the big question, can you give us a 30-second rundown on your bio so we know why you know what you're talking about? Sure. So I developed some mathematical tools to help people calculate with uncertainty better in grad school. Then I got interested in the stock market, developed some financial technology for 20 years, sold my company last year, and then became the chairman and CEO of the Foundation for the Study of Cycles. We're a 501c3 not-for-profit and still involved in the economy and markets, but also just interested in cyclical phenomena more broadly. So this is exactly in your wheelhouse? Absolutely. And really, I've been a passionate advocate for retail investing and participation in the markets, not just by institutions and professionals, but by independent investors. So let's assume that everybody who's watching this actually has some idea of what's going on with the GameStop story. As of today as we're filming, it's around $315, according to my math right here. It's been as low as 20. It's been over 400. What drove it up and what's keeping it up? So this has been what's called a short squeeze. So there were a lot of institutional hedge funds that decided GameStop was the next block buster and it was going to be going out of business any day now. And so they bet that the price was going to fall. So they sold what they didn't have? They sold what they didn't have. They borrowed shares from somebody else and said, hey, I'm going to borrow your shares. And then they hoped that they would be able to buy them back at a much lower price and then return them to the person that they bought them from when they were much less valuable. And you make money that way.  This is a common technique used all the time. Absolutely. And really, but what's happened here is that this kind of crowd sourcing a short squeeze has had a couple of unique drivers to it. One is that a lot of the people on Wall Street bets actually love GameStop. They think they don't want it to go out of business. They thought it was actually a compelling investment opportunity. Really, I think many of them genuinely do or did. And then you have a lot of disenfranchised populism going on in the world right now. To me, what's happening here on Wall Street bets is not completely unfamiliar in terms of what happened at the storming of the capital on January 6th. I think they're related currents. And then plus you have the entertainment factor and the greed factor that this thing has started working and the crowd is piling in. And I'm sure that the institutions are making plenty of money on this too. And they're in the game. There's a few that got caught with their pants down, I guess, but... Melvin capital. Melvin capital and a few others. But I'm sure plenty of them are like, woo-hoo, let's go, volatility. This is our game. I'm not crying in my beer over the institutions and Wall Street. And really, I guess the other phenomenon is Robinhood. And what people don't understand is that Robinhood, much like Twitter, Facebook, Google, they just make money off of engagement and growth and transactions. They have no skin in the game when it comes to the outcome for their clients. They make money off of lots of users. And they actually get paid by the market makers, like Citadel Securities, Susquehanna, et cetera. Robinhood gets paid for delivering customers trades to the market makers. That's called payment for order flow. And you'll hear this has been going on forever. Brokers have always made money on payment for order flow, but nowhere near the level of what Robinhood does. They're a privately held company, so we don't really know what their gross revenues are. But in the third, second quarter of 2020, they did $200 million of business with market makers. And what do they normally get paid for that? Who? Robinhood or market makers? Robinhood. Well, I mean, they got paid $200 million in the second quarter of 2020 by the market makers. This is actually new information that is available because the SEC forced a rule change to require market makers and retail brokers to disclose these payment for order flow revenues. So what I'm saying is that Robinhood makes a lot of money when there's a feeding frenzy, and so do the market makers. And so I think that this is structurally kind of built into the way that markets are starting to work more and more, just the way in the same way that, say, the election fraud and the storming of the capital are sort of built into the structure of Twitter and Facebook and Google, where you're just getting paid based on engagement and growth and as many clicks and hits on your platform as possible, irregardless of the value of what's being communicated on your platform. So the content matters less than the medium? Which goes back to our mutual admiration for Marshall McLuhan. I think people should read Marshall McLuhan today to see how prophetic he was. I don't actually. I'm still getting up to speed on Marshall McLuhan myself. You know, I've really come to see the world largely in terms of this kind of media synthesis technology. I mean, media technology synthesis. And a lot of what's taking place is actual propaganda techniques that are arbitraging behavioral biases of the public and the risk illiteracy of the public. So my background is in quantifying risk and uncertainty. And I'm a big advocate of risk literacy for the public. And a lot of the technology that I've built have been tools that bring risk management tools to the public that professionals typically use, but amateurs don't. And I think that, you know, that's what I learned in the stock market after 20 years was that your it's human behavior that's really being arbitraged in the markets by the professionals on the amateurs for the most part. So this is being portrayed in some circles as Main Street USA against those bastard billionaires down on Wall Street. But from what you're saying, that play is not accurate. Well, I think there's some truth in it, just like there's truth in, you know, that there were grievances among the people who stormed the capital, right? I just I agree with the motivations. I don't agree with the methodologies. And I don't agree that this this group of people on Wall Street bets represents the mainstream public, right? There are a few hundred million people in the United States, probably 100 million of them capable of investing, have some capital. And the vast majority of them are not looking to, you know, jump into a stock that's up 1000% in the hopes that it's going to go up 2000%. And there's, you know, 10,000 stocks in the publicly traded markets in the United States give or take. And, you know, we're talking about maybe 10 stocks that have been the focus this week. So let me pause it a theory at you. Sure. Every system has data outliers. Every system has aberrations and mutations. Is this GameStop phenomenon the new normal, or just an outlier within the existing system? I think it's an outlier within the existing system. Again, I don't think that in many ways this isn't anything new. And it's disconcerting to me personally as somebody who actually believes in capital formation and capital allocation as a meaningful, you know, driver of our culture and our society and our economy that this dynamic in markets is as prominent as it is. You know, there's so much mechanization that's going on, so much computerization. It's so much driven by algorithms and high frequency trading and arbitrage of the market makers. And I don't believe that it really has a whole lot to do with genuine capital formation. So I think this is an outlier, you know, I think it'll be figured out by the institutions, you know, sooner rather than later. And they're probably profiting on it in the meantime as well. There are stock exchanges around the world that have speed bumps to prevent the algos from doing inter-exchange trading. Yes. That have helped here? I think so. And I think that I hope those new experiments in stock exchanges are starting to get some more attention from this episode. So my hope is that this episode will ultimately lead to scrutiny and introspection. That's a... Scrutiny of whom? Well, scrutiny of the system, I would say, and scrutiny of market architecture. Big picture thinking. Big picture thinking. Yes, scrutiny of technology. You know, I think this is related to the regulatory questions that are going on around, you know, technology right now. You've got Google and Facebook and Apple and Amazon and others being scrutinized of, you know, is this really good for consumers to have this much power and influence? And what's really going on is free, really good for consumers, right? Because what's really happening here is this is a user as product business model, okay? Robin Hood's users are not its account holders. I mean, Robin Hood's customers are not its account holders, right? Robin Hood's customers are primarily Citadel securities and other market makers. So their users are their product, not their customer. Much as a Facebook user is not really the customer. Exactly. Google doesn't really care who you are as long as they can identify you. Exactly. So, you know, you have all this antitrust legislation history that's largely based kind of on this idea of like price fixing, but, you know, how do you apply that to free, right? How can you say free is bad for consumers? Unless you can somehow put a value on your identity. I think it is. And I think that is actually a change that is that people are catching on to. And I think that more and more people are concerned about the way that privacy has, you know, really been neglected for the past 20 years. And I hope that rather than have a kind of reactionary regulatory action that it'll lead to some reflection about, you know, how markets should really work, at least as far as retail investors are concerned. So in the EU, two years ago, they passed the GDPR, General Data Protection Regulations. Yeah. And the consumer has seven rights. And the most fascinating one for me is the right to be forgotten. You can call Starbucks to delete any reference to you anywhere in their records. Yeah. That's a fascinating power. I completely agree. And I really hope that we'll see something in that direction in the United States. Another thing they do over in the EU, they have the European securities and market authority, I think, and they force some of their brokers, especially the ones that are involved in more speculative areas like Forex, to post on their website. First thing you see, X percent of our customers lose money. Really? And the minimum is 75 percent.   So in many ways, the public only has itself to blame. Every individual thinks you're smarter than everybody else. That does seem to be the case. The wisdom of the crowd. Okay, I know you've got a hard stop. It's been fascinating talking with you. As the story develops and plays out and mutates, go check back in and see what you're thinking. Absolutely. And look, I don't think this is a one-sided story. I think it's interesting. I don't think it's quite as worthy of all the attention that it's getting. And again, the first principle of successful investing that I just got, I interviewed Jack Schwagger. He did the Market Wizards books, right? And he said 90 percent of risk management is about knowing when you're going to get out before you get in. Hmm. Okay. And I don't think most of the people getting into GameStop today know when, where they're going to get out and how much they're willing to risk, you know, for the opportunity. It's falling 40 bucks a share since you and I started chatting. Yeah. And the biggest behavioral bias that everybody has in the markets is two Nobel prizes in economics have been awarded for this. It's loss aversion. We hate to lose. But when we're losing, the fact that we hate to lose makes us not want to sell. We want to hold on because selling equals loss, right? But when we're winning, the fact that we hate to lose attaches itself to our profits and we want to sell. So we're risk seeking when we're losing and we're risk averse when we're winning. And ultimately that tips the scales towards your losses. And that's why it's so important that you know where you want to get out. It's an old evolutionary mutation for human beings. Yes. Not exactly a survival instinct. Anyways, Dr. Smith, I thank you so much for your time and wisdom. Thank you. It's been a pleasure to speak with you and I'd be happy to speak again. Peter Clossey for Investor Intel. Have a safe day.


and moving over to South African woman who was given birth to 10 babies. Breaking the world record held by Mylion woman Halima Sisei, who gave birth to nine children in Morocco in May. According to South African local media, 37-year-old Gohseme Tamara Sitole underwent a cesarean operation to give birth to seven boys and three girls, making her the Guinness Record holder for the most children birthed by one woman at once. Reports further indicate that Sitole and her husband, Teboho Sisei, were expecting eight babies, but two babies had apparently missed a scan due to the fact that they were tucked inside the wrong tube. Speaking to the pretere news, Sisei said Sitole gave birth to their bundles of joy 29 weeks into her pregnancy and that her pregnancy was natural as she was not on any fertility treatment.