Good afternoon. Welcome to DDRC members, staff and guests. We ask for your patience during this meeting. Multiple staff members are present to make sure that the meeting runs smoothly and all applicants and citizens are able to communicate with the Commission at the appropriate time. The public will be able to participate using multiple methods. When participating please provide your name for documentation purposes. You can watch the proceedings, email, phone in or log into the web session. If you're watching you can stream the meetings through City TV accessed at www.youtube.com backslash user backslash Columbia SC government. You can submit letters and statements via email to COC board meeting at columbiasc.gov leading up to and or during the meeting as this account will be monitored during the meeting. E-mails and letters will be read into the record. You can phone in calling<PHONE_NUMBER>. When prompted please enter the meeting code 8841. Those participating by phone will receive three options on how to participate. Star one will allow you to listen. Star two will allow you to record a voicemail message that will be read into the record. Star three will allow a participant to be placed in a queue so they may speak live when prompted. And if you're calling in live please make sure your computer audio is muted so we don't have feedback. You can stream the proceedings at publicinput.com backslash COC DDRC-APR2022. And I will call the roll. Mr. Broom. Here. Mr. Dinkins. Here. Ms. Jacob. Here. And Mr. Salibi. Here. We have quorum. In order to avoid ex parte communications DDRC members are under strict instructions not to discuss cases under consideration with the public or with each other outside of the public forum. The meeting typically starts with staff calling the case giving a summary of the project and then calling on the applicant to present if they wish. Decisions are typically made in one evening. Decisions may be appealed within 30 days to accord competent jurisdiction. Those will be administered individually as we hear either from applicants or from live speakers. Applicants with requests before the DDRC are allotted a presentation time of 10 minutes. This time should include but is not limited to an overview of the project, case history, and any pertinent meetings held regarding the request. This time also includes all persons presenting information on behalf of the applicants such as attorneys, engineers, and architects. This time limit does not include any questions asked by the DDRC or staff regarding request. Members of the general public are given the opportunity to address their concerns and intervals of two minutes. Applicants may have five minutes to respond. Staff has a timer and will make presenters aware of when their time has expired. Are there any changes to the agenda? We've had one change to the agenda since publication. That is item number three under the regular agenda. This was 2805 Lincoln Street, a request for approval for an accessory building in Earlwood Protection Area A, and the owners have opted to defer that case until next month. Otherwise, the agenda stands. The DDRC uses the consent agenda to approve noncontroversial or routine matters by a single motion and vote. If a member of the DDRC or the general public wants to discuss an item on the consent agenda, the item is removed from the consent agenda and considered during the meeting. The DDRC then approves the remaining consent agenda items. Will staff please review the consent agenda? Certainly. Our first case is 317 Watery Avenue, a request for a preliminary certification for the Bailey Bill in Wales Garden Architectural Conservation District. The next case is 1418 Gladden Street. Again, a request for a preliminary certification for the Bailey Bill and an addition and exterior change to the structure, which is in Melrose Heights, Oakland Architectural Conservation District. Our third item is 1500 Main Street, which is the Sylvanes Building. It's a request for a certificate of design approval for exterior changes and preliminary certification for the Bailey Bill. And this is an individual landmark as well as falling within the city center design district. That would be the consent agenda. Is there anyone from the DDRC that would like to have any item removed from the consent agenda? Is there anyone from the public that would like to have anything removed from the consent agenda? Please communicate by sending an email to cocboardmeeting at clumbysc.gov. Communicate via phone by pressing star two to leave a voicemail or star three to speak in person. It will pause to allow communication from the public. I do not have any callers or emails. Like no one present has any request. All right. All right. Do I have a motion and a second to accept the consent agenda? I'll make I'll move to approve the March minutes along with the consent agenda items and all staff recommendations. Mr. Broom. Yeah, Mr. Dinkins. Yes, Mr. Jacob. Yes, Mr. Salivi. Yes, motion passes. Move on to the regular agenda. And our first case is 3310 Murray Street. This is a request for a certificate of design approval for exterior changes in the Melrose Heights Oakland architectural conservation district. It's basically a request request for painting the structure. The structure is a 1929 one and a half story brick veneer house featuring a cross clip gable roof with half timbering and bracket detail in the gables. It also features original three over one painted windows paired windows. Excuse me on the first floor, but they window on the left side and an original nine light perry style door centered on the front elevation. The front porch clip gable features a plating window within the vertical half timbering detail and is supported by two Tuscan and two square brick columns. So really lovely, very intact structure. The issues are that the variegated wire cut brick on the first floor in the foundation of the house have been splashed with paint in various places from a somewhat clumsy paint job of the wood and stucco of the gables and windows, which I will say happened before the current owners have it and or bought it. And in an effort to hide this over paint, the applicant is requesting that they be allowed to paint all of the brick. Over paint spots and drips cover portions of the bricks surrounding the windows, but the majority of the brick structure remains unaffected by the over paint issue. So removal of over paint would require spot treatment, which would affect a much smaller surface area of the brick facade than the proposed painting of the structure. I believe that the applicants have tried a few different commercial products on the brick to remove the paint. But there is not really in our experience a one size fits all method to removing paint different different methods work on different brick surfaces. So here are a few examples of some of the issues on the house. You can see around the crawl space door in the back that somebody was liberal with the blue paint, some plain paint splatters on brick there. So white splatters on the brick there. And y'all have some more examples that the applicants provided that are in your packets. More pictures are there. We did include a photo here of some tests that we did several years ago on a building in the Vista of removing paint. So you can see that some products are more effective than others at removing paint off of brick. So depends on the depends on the brick depends on the product that you use. The guidelines for architectural conservation district here fall under principles for masonry, which say painting obscures detailing and alters the distinguishing original qualities of a building. The color of the brick as well as mortar color and bonding patterns can be important parts of the character of a historic building. And because of this where brick and other masonry finishes were unpainted, they should generally remain so. This particular building features very gated wire cut brick and a running bond pattern with brick window sills and a soldier course pattern at the foundation. I believe there's some maybe smooth brick at the foundation as well instead of wire cut. As an unpainted house, the brick and patterning on this house would have been chosen deliberately as a design feature at the time of construction. So preserving the original brick color of the house maintains historic and architectural integrity of structure. Painting the brick covering it over would alter the historical character and distort original features of the house and is thus not in keeping with the district guidelines and the above referenced guideline principles specifically. And a much more conservative approach would be to continue trying to remove the over paint with spot treatment, which would actually affect a much smaller surface area of the brick facade than the proposed painting of the whole structure. So staff recommendations find that the proposal to paint the brick at 3310 Murray Street is not in keeping with section five subsection six of the Melrose Heights Oakland architectural conservation district design guidelines and recommends denial of this request. And I will just going back over this and looking at past requests to DDRC for painting and checking our precedent on this. We painting brick has been allowed in the past where there's been significant infill of brick on an original structure and it's a noticeable difference in the facade or an important elevation. But painting brick has been pretty consistently denied when the conditions have included mismatched mortar colors or repointing work, stair step cracks, things like that. Those are basically reversible or repairable conditions. And so with the correct tools, those things can be addressed. And that's what we would encourage here is to work more with the applicants to see if we can find some solutions for them. Sorry, I'm filling in for Rachel, so I don't know the applicants. Please come up. Please come on up. Hi, please state your name. Brian Schener. And do you swear to tell the truth in this proceeding? I do. Thank you. We have tried. The previous owners of this house painted one side of the house every four years. They lived there for 30 years. There's a lot of paint on this house. I don't know why that was their plan, but that's what they did one side each year. So revolving around the house. There is a lot of blue if you put one more back even around one more forward. Sorry. Yeah, around the crawl space there. You can see how bad that is. The black there is the front porch, which is really thick, heavy black paint. We've tried for the last two days with a pressure washer and the chemicals that were suggested by the committee to just get that off of there. And in fact, we're destroying mortar. The bricks are very, very porous, and the paint is in them. We love the house. We love the neighborhood. We don't want to damage the neighborhood or anything like that. But we don't think that we can make it great by getting that paint off there. We're trying to get the paint off there. And in retrospect, what could have been done is previous ownership when they were painting at sloppy could have prevented this whole situation. But now we're left with where we are. We've chosen two period colors and just want to make it great, awesome trimmed out properly. And we don't think we can get there by getting the old paint off as much as the committee would want to stay in period and have everything looking wonderful. I get that. But I don't know that we can make it look wonderful by getting the paint off. We've tried. I don't know we can get it off there. It's just very porous open, what do you call it, wire finished? Well, some of what you see on the bottom right is a wire cut brick. What you see to the top left is just a basic masonry brick without the wire cut. Both of those kinds of brick are very much on the house. We're working hard on a wire brushed area that we can't get out. And so that'll just leave us with a spotty finish on the house that we're trying to make wonderful. She's right. The windows are wonderful. It has been left to period. It's it can be a show piece. But we don't know that we could make it a show piece with the painting the way that it is. Questions about? Yeah, which are any questions? Painting now. Visible from the road. From from the street. I mean, I drove by and I didn't necessarily see a painted house. Correct, correct. You know, there's splatters. I mean, I have some of those on my house, too. I'm afraid it's a very common problem when people paint windows are not as careful as they should be. To to remove those. So I think in your packets, you can see that there are some places where on the windows where there's a little bit more on the trim, but generally overall the facade of the house and the sides. No, it very difficult to see from the street when you're up closer. You can see it to me like the wire cut break is pretty much constant throughout the front. Throughout the front, the visible area. I'm curious as to I didn't see any of this from the right from the right way. And just so you know, I mean, I appreciate you being here, but our purview is only what we can see from the street. So I have a question for staff considering the applicant's comments about taking taking the staff's recommendation for alternate chemicals that can remove the paint to no avail. I guess what's the alternative if there's not a product that does work? Are they just stuck with it? Or is there a potential fix? And I mean, I guess in the realm of possibilities. Is there definitely something out there that that will work? Or I guess I'm just curious, you know, what's going to happen if there's nothing that works and they're just stuck with it. I'll take it back on that and say is there something happening inside problems inside the house? I mean, I think this is limited to the exterior, the issue of the paint, right? It is limited. We have painted in the interior. The interior of the house is beautiful. It's a great house. So I guess there's no, I get Sanford, maybe you're getting it a protective measure. Okay. Yeah. But there's no position you have that somehow the unpainted break is allowing, you know, water seepage into the house or anything like that. No, there's no water seepage into the house through the break at present. But we have been working with a pressure washer. And so you can put the chemicals on there and pressure wash them off. And that seems to be where we make the most progress. But we're destroying mortar. It's 100 year old mortar. And we're pressure washers aren't kind to 100 year old mortar. Right. So we don't know that we can make it right. And so our intent was to bring it to period and paint the brick, have it look great. Best way possible because we can't get the old splatters off. So I guess getting back to the original question for staff, if there is no solution that chemical solution that will remove the paint. What are the options? Well, I don't I'm not clear on all of the chemicals that y'all have tried. I think that's something we would want to talk with you about as well as the power washing, because you're right, sometimes that can be very detrimental to the structure. So we would want to explore that with you a little bit more too. But there are several chemicals that have come out in the last couple of years that are better at paint removal. Some of them very successful used on commercial buildings. We have developers using them down in the Vista quite a bit to remove paint. And so I think our our preference would be to double check all those things and see what other chemicals there may be. There may be chemicals if these don't work that come out in the future that would not necessitate painting a house like this. And I will say part of the difficulty about this to is that many of our older brick houses do have paint splashes on them from from people who have not been careful. And so it's a difficult road to walk down to say this is a good way to approach the problem because then so many houses would become eligible for a complete repainting. Yeah it's a bad precedent. I hope the applicant can understand that the guidelines are pretty rigid. I'll just read straight from them where brick and other masonry finishes were unpainted they should generally remain so. And there are certain exceptions that would allow you to paint the the protective measure being one of them. But doesn't sound like that's that's the case. Can we have a continuance that if we continue to try to get it off there and really can't get it that it gets revisited. Well we'll probably make a motion today but if you bring it back up through staff I mean we want you to continue to work with staff of course. I mean our main concern is really preserving the brick the image and supporting the community's guidelines that they've adopted that we're here to uphold. So we would encourage you to continue working with staff and seeing what we can do to make that all happen. I would also say like I don't see any of measures that I'm looking at that would show me what it might look like. I mean all I'm seeing is the original structure and the damages but not what you're proposing to do. You say painting it and keeping with the historic nature. I mean I don't I don't see anything that shows me that I can visualize. Well if I can tackle into that. I'm not seeing any damage to warrant changing the appearance of the building. Right. I mean part of the charm of any historic building is going to be some of this which we understand. I understand what you're saying. You're saying the progressions. You put something before us that might help me feel better about what you're proposing because I'm not exactly sure what it is that you're proposing other than the paint to brick and out quite frankly. I don't think that's in line with the guidelines personally. Understood. If that's where we stand that's where we stand. Okay. Any other questions. Do you have a question. I think our systems are doing something here. I mean is there is there a proposed image or something. Do we have any. I'm sure online we can generate a take a picture of the house and then propose how it would be painted. We can do that graphically. We can do that. Continue to take what paint off that we can get and then resubmit it at a later date. And if we can be reconsidered then that would be awesome. Yeah I think we would definitely want you to continue working with staff to see what you can do. So if I have this correct it's just the spotted paint that is bothering the owner that can't come off. Is that correct? In certain locations where is it around around that foundation door that you can see there. That is in the mortar and in the brick and in the space between the mortar and the brick. And we have been treating that trying to get that all out of there.  It can't be trimmed out to look good. That is on the front side the facade of the house was very poorly handled and whether you can to prevent people in my situation moving forward when people are painting a brick house that and they're painting the areas that aren't brick that they're doing due diligence in how it's painted. Otherwise there's always going to be a me standing here. How far out does this go? I mean honestly I didn't see this when I went by. But Amy can they paint the door again? Their their front door? No the crawl space. Oh the crawls they can actually this is the crawl space is on the back of the house and they can paint anything on the back of the house that they choose because it's not visible from the public right away. So this picture I'm seeing is in the back of the house with the crawl space or the blue paint. And I think that the bottom right is on the front porch is that right? That is on the front porch. So top left is on the back bottom right is on the front porch. So commissioner like one point is to defer this understanding of working with staff or more chemicals and possibly having a better understanding of what's visible from the road for us. I would prefer not seeing. I don't see much. OK and we don't have to there's options. What I'm seeing on the front is very common. Yeah in the area. It's a solid no not deferred. It's just a solid no. Well we haven't made a motion yet. We're just we're now we're discussing this amongst ourselves and with you. We're just trying to understand some of the pictures are areas that are not in our purview. Our main concern is what's visible from the road. And from what we see it looks very normal typical of the period of the house in your area. So that this is that's what we were just trying to sort out mentally. We've got some strange. There in the back work. OK. All right. Good. Yeah. Are any other questions for the applicant. All right. Thank you. I don't know what to do because I don't have a problem. I think we have you all finished discussion among yourselves. I think we have so we can open it up if there's any other. Yes we would open it up to see if there's any. Any comments from the public. And then like Papal's dog trained to read this thing. And I know what we're supposed to be doing next. But you know it's taking any comments via email or phone or in person. So this would be the opportunity I believe for the public to call in any call in emails or a little music. Yes. So I'll let the staff work a second to see if anything's been received. Gathering not. I'm still checking. Nothing appears. I don't think we've had any phone calls. But let me get Mr. Living Good to double check to make sure that we don't have any comments that have come through. Bear with us. All right. It appears we have no public comments. And I will open up before to. What are we done with comments. Did you ask if anyone here wanted to speak to. I did when I was when we were trying to figure it out. But I'll open it back again. But anybody here like to speak in person. We checked. We had none on writing. None be emails. None be a phone. No new correspondence. No colors in the queue. Right. So we're looking at a motion by the commissioners. I will open up for a motion. I'll do it. I moved to. To deny the request for a certificate of design approval for exterior changes at 3 3 1 0 Murray Street. Based on. The fact that. It just does not. Meet the district guidelines and recommend. Of section five subsection six of the Melrose Heights. Long. Architectural. Conservation district. And I would say I don't want to add that I appreciate you being here. And these are very tough cases for us to set precedence. It's not that you know. I would like to further examine it. I just don't. See that it meets the guidelines. I mean my motion is purely based on that. I think I would like you to see continue to work with city staff and I think they would come up with something that probably could remove the pain. And make everybody happy. My motion is to deny. That a second. I'll second that motion. Mr. Broom. Yes. Mr. Dinkins. Yes. Ms. Jacob. Yes. And Mr. Salibi. Yes. Motion passes. Our next case is 1218 Butler Street. This is a request for a certificate of design approval for an addition and exterior changes in the Melrose Heights Oakland Architectural Conservation District. This is a 1949 one story brick veneer minimal traditional house featuring a side gable roof ferricated wire cut brick and an original six light over two panel door. The front porch is recessed under the main roof and is supported by three Tuscan columns. The house features some non-original windows and a variety of sizes and configurations including six over six pan configuration eight over eight a fixed 20 light picture window on the porch and a tripartite picture window on the front with the 16 light center flanked by narrow four by four over four windows. So the current proposal is the construction of an addition replacement of all windows shifting the front picture window to the right just a bit a few inches and painting the original brick. Staff finds that the addition and the replacement of non original windows is in keeping with the pertinent guidelines and likewise while the request to move a window is not typical based on the design of this house staff finds that the slight movement of the window which is less than eight inches maintains the rhythm of openings on the house and is in keeping with the guidelines. However as might be expected staff does not staff does have concerns about the request to paint the brick. So let's see if I can get about the addition. Here's some pictures of the brick damage that I believe prompted the request to paint the brick. I'm going to go back here. And as you can see as the evaluation stated there are a number of configurations of windows here and therefore changing those out and moving that picture window a little to the right is not a major concern in this particular instance. So staff's recommendation is that the proposal to paint the brick at 1218 Butler Street is not in keeping with section five subsection six of the Melrose Heights Oakland architectural conservation district design guidelines and recommends denial of this particular part of the request. Staff finds that the proposed addition and window changes at 1218 Butler Street is in keeping with sections three four and section five subsection two of the Melrose Heights Oakland architectural conservation district design guidelines. And recommends granting a certificate of design approval with following conditions that the replacement of the windows be wood or aluminum cloud with exterior muttons with the specific window design being reviewed and approved by staff prior to purchase that the front central window be permitted to move as proposed since the movement is minimal and maintaining the existing opening size not extending that and finding that that does not significantly impact the rhythm of openings because of the existing window variation that the brick be keyed in for the front window relocation to match existing and all details and all other details deferred to staff. Are the applicants present? Whoever speaking or both of you please state your names. Brendan Rumsey. Each swear to tell the truth in these proceedings. You might need to speak at the microphone just so we can hear you. We have some of these things that we printed out. Could we? I think she was asking about hand to something else. So with the our issue with the brick is the veneer is damaged from I'm assuming acid rain, it looks like. There is a lot of water damage. Do what? It's all right. But the brick issue is more concerned of the veneer being damaged. It doesn't look too good. It's on the mainly on the front of the home and on the front right elevation as well. So that's what our main concern with painting the brick. I believe in that near the back of that those documents is a sample of the colors that we were proposing to paint the brick. If you have the specific color that we're proposing, which is the Benjamin Moore. We also have the shutter color. Make sure you're speaking. Yeah, I'm sorry. That's all right. We have the specific paint color in there listed along with the shutter color. And then we're planning on doing like restoring the original door to a wood stained. And then the shingle color that we were and the windows will be white that we're proposing to. Any and the windows himself, I think as stated previously would be a gelled when window aluminum clad gelled when window. I think I have the windows in there as well. If y'all need to look at those. But I think we can deal with the staff on that. And also there is an older building in the rear of the structure that is completely toast due to the termite damage that we propose be removed as well during the addition being built. Staff, is that building in our concern? I'm sorry, I missed a little bit of that. It's an outbuilding. It's not connected to the home. So typically what we would do would we would look at it for visibility in the public right away. Okay, and it's in the rear. Yeah, sometimes you can see those things from the side. So we can do a site visit to assess if it's not visible at all and we don't review it. Okay, I met with Rachel on site earlier. So I don't know if that was that was just bringing that up, but. It's not. So did you discuss that with her? Yes, I provided photos of all the damages to it. It's in the photo report. I think I remember. It's in pretty poor shape. Yeah, it's a very, very unreparable shape. I don't remember that being in this information that we received of case. I think because it's not part of the application that she felt like she could handle that at staff level. Okay, perfect. But our main concern is getting approval for the building permit so we can start the building. Of course, if y'all deny the paint, we understand but we were just wanting to present it to you guys. And maybe it can be discussed later but we would like to be able to get the addition portion approved so we can begin that process. Cause so we. Did you have any comments about the staff's recommendations and items they identified? As far as. For the replacement windows. Yeah, so the windows I will be getting with Rachel before we order the windows but we were going to go with a metal clad Geldoin window because if approved because the windows now are were replacement windows probably early 90s late 90s and they look they're really out of place for that neighborhood. So. And it would be the same size as the existing. Existing. Yes, we're not changing the sizes of the windows but we do propose to move the I think that center window over to fit more with the scale of the exterior and our new layout of the interior. I think she said by eight inches, correct? Right. So what I'm hearing then for the non paint issues that are listed here applicant is comfortable with what the staff is recommended is working could work with staff on that, right? Okay. Moving that one aside. All right, thank you. I'm gonna open it up to commissioners. Questions. That is correct. Yeah. One heck of an addition there. Yeah. Yeah, yeah. That's what we hope it ends up looking like. All right, and I'll just add because y'all were here to hear the previous conversation prior applicant about the painting. And unless there's, you know, some protective measure that necessitates painting or there's extensive damage to the brick our hands are kind of tied by those Melrose Heights guidelines. Yeah, we understand. And there's nothing, you know, the questions we asked to the prior applicant you heard. There's no water damaging to the interior. There is water damage to the interior. It's gonna be a full gut on the inside, but we haven't identified exactly where water penetrations are coming through quite yet. I'm sorry, you have identified? Yes, we have identified a water damage on the interior of the home. That's why we're gonna fully demo the entire interior walls to, you know, figure out where the water is coming. If it's coming through the exterior or the roof. And Amy, that would be an appropriate situation to approve of fine paint. That correct? Not in every instance, no. If you're renovating, you can also preserve the brick. I'm sorry. I said even during the renovation, you could preserve the brick or take measures to preserve that element. Right, and if for some reason that particular brick is compromised, I believe there's enough brick coming off that y'all were planning on cutting it in for that space where you're moving the window over. Well, we will be removing the rear, so we will have hopefully a good amount of brick saved to use for the front. So, you know, if there is damage found, we're assuming that there's gonna be enough brick that they could repair. Our concern with the damage facade, well, it looks like acid rain damaged those areas.  And that's what our concern was why we proposed painting and other homes on that street also have been painted. So, but understand what y'all said earlier in the previous. I was just gonna say, we did a renovation at our personal home in Shandyn neighborhood and we have the same issue where we wanted to keep the brick the same and we saved some of the brick because it was a full like gut but because the brick couldn't match and then we couldn't find appropriate brick somewhere else to match it, it just would have looked very hodgepodgey and that was what we wanted to steer clear of and to us painting it would just kind of solve those solutions where it would look uniform and it would fit in with the rest of the neighborhood because there are a lot of other, even the house next to it is painted brick. There are a lot of other homes that are painted too and we just thought that would look nice. Other homes in the district is what they're referring to. This would have been before the guidelines came out. Any other questions? The, can you hear me? The addition in the back, it shows brick and it's gonna be the same pattern, same color as the existing brick, is that correct? Yes, the brick we're removing off the rear. This brick pattern was developed back in the 1910, 1920. I was called the rug design and it's still available from what I remember.  But unfortunately because of the guidelines, he was denied painting. I just wanna bring you up to date on that. No, we understand. Any other questions? Thank you. All right, thank you, thank you. We encourage those who would like to communicate via email to begin sending in letters and emails to COC board meeting at Columbia SC.gov or on the web at publicinput.com slash COCDDRC-APR2022. For those wanting to leave a voicemail or speak live, call<PHONE_NUMBER>. When prompted, please enter the meeting code 8841. Then press star two to begin leaving a voicemail. If you'd like to speak live, press star three. We will pause to check. I do not have any callers or emails. Nobody else in person has come up, all right? Comments received in writing, correspondents, we're good on all those fronts, okay. I wanted to ask clarification staff. Will this one require two separate motions? I would. Okay. I will open it up for motions. I'll make a motion to deny the request for a Certificate of Design Approval on 1218 Butler Street as it relates to the proposed painting of the brick because the request does not comply with section five, subsection six of the Miller Rose Heights Oak Lawn Architectural Conservation District Design Guidelines. I have a second. Second. Motion passes. Oh, sorry. Would you want to vote? Mr. Broom. Mr. Broom. Yes. Ms. Jacob. Yes. Mr. Salibi. Yes. And Mr. Dinkins. Yes. Motion passes. I'll take the next motion. I'll make this one. I move to grant an approval for the request for a Certificate of Design for exterior changes located at 1218 Butler Street with the following rec conditions. Replacement windows will be wood or aluminum clad with exterior muttons with the specific window design being reviewed and approved by staff prior to purchase. And let me just say prior to purchase is important. Front central window permitted to be moved as proposed as the movement is minimal, maintains the existing opening size and does not significantly impact the rhythm of openings because of the existing window variation. Brick keyed in for front window relocation to match existing in all details and all other details deferred to staff. I'll second that motion. Mr. Broom. Yeah. Ms. Jacob. Yes. Mr. Salibi. Yes. And Mr. Dinkins. Yes. Motion passes. So we have, sorry, that was our, we have, there we go. We have one item under other business. This came before y'all a few months ago. This is 1011 Bryan Street. So if you might remember, this is a development called Park and Bryan and it was being done in phase one and phase two. Phase one was Park Street, which you see up the left here in green. Phase two was Bryan Street, that's in blue. And phase two, of course, is the one that was most recently approved by y'all. So the lot in question is lot four, the first house under the blue strip and the motion by DDRC when these came before y'all was a separate motion for each of these parcels. So the developers would now like to move a previously approved house from phase one over to phase two and use it instead on lot four. And I will, I have a picture of that. The house, I'll just explain it to you. The house on Bryan Park Street that they would like to use was one, as I said, that was previously approved by DDRC. And so it's really the question of moving using an already approved design in the place of the one that was proposed for parcel four on Bryan Street. So I was just going to thank you, there it is. There we go. So you see what was approved for lot four, phase two originally and now at the bottom right, you see the house that's approved for lot four, phase two instead. So both of them very appropriate for the neighborhood. It's just the movement. It's almost more of an administrative request unless y'all have any other thoughts on it. Staff agree and okay. Yes, indeed. And I believe that one of the developers is here. Mr. Bowers. Hi, please state your name. Wyman Bowers. Swear to tell the truth in this proceeding. Yes, ma'am. Any questions? I'm glad to answer them. So pretty much it's approved designs that we've already approved. It's just the order or the placement that's switching. And I believe that the request was because the house, there's actually a little more square footage on this lot. Yes, ma'am. And so this is slightly larger house that will fit. Correct. I think the commission brooms that question. Are you going to present or are you waiting for us to ask you a question? He's here for questions. I'm just here for questions. I hope you have a good question for us. I'm very familiar with Park Street and I'm not familiar with Brian. Where is that? Brian just, it's right on the corner. So it's Park and Brian. And a railroad across his parking. Are we down in that area? No, you're closer to Elmwood, right by the church. By the church. It's almost, I think it's the first cross street. Brian, it's the first cross street from Elmwood. Clear. Yes, sir. What exactly is the request? It's really just a motion to approve the new design for lot four. The previously agreed to design, but to be at a different location. That's right. Okay. I think we're good. Does anybody have any other questions? Okay. Let's get it. Does the city have any concern with the future development, that the changes are kind of keep snowballing? I don't know. It looks different to me. In a good way. Thank you. I don't think there are any plans to do any other changes. This one just kind of came up. So, but the rest of the houses should be in the locations that they were originally. I was gonna ask. Yeah, and I'm sorry I didn't put a motion down, but I think what we would want would be just a motion to approve the proposed house for lot four on Brian Street. If someone is comfortable doing that. Do we need to take public comments or anything on this? Or can we just move forward? Pardon? Can we just move forward? Do we need to take any other comments on this? Well, I guess it might be a good idea just to see if anyone, if we get any comments on this, Andrew, I've gotten any comments. It almost just seems like a procedural thing. So, it really is. It really is. I think we're here, you know, if it's something that requires a motion and a vote for someone. I'm kind of where Andrew is. I mean, I'm not sure I see a formal application or maybe it's not necessary. Right. Right, okay. I don't have any objections that I'm seeing, but then again, see the whole picture or public's been allowed to comment. Right, and this was advertised as part of our final agenda that went out to the public. So, we did not receive any calls on it, any questions on it, if that's helpful to you. Nothing's required. Yeah, it was really, if y'all are not comfortable making a motion, but if you're comfortable sort of giving your blessing and understanding that this change is taking place and you've been informed about it and there are no objections from y'all, maybe that's enough. It's your call. I'll move to say there are no objections to build on lot four as proposed in the current design. And move forward as proposed. I'll second that. Mr. Broom. Yes. Ms. Jacob. Yes. Mr. Sleby. Yes. And Mr. Dinkins. And I'll add that all other details be deferred to staff as well, but yes. Thank you, sir. Motion passes. Thank you. And that is all the other business, just a reminder that we do have the South Carolina State of Start Preservation Conference tomorrow at Archives and History, starting at nine. So for those of you who are attending. And I will mention that we have somewhat of a lengthy agenda so far for next month. So I'm encouraging attendance. Good, thanks for telling us that. All right. Have a motion to adjourn. I'd like to make a motion to adjourn this meeting today. Meeting adjourned. Thank you.


My name is Thuong. I'm working as a research scientist at Trusting Social. Before going to my talk, I just want to have a quick introduction about Trusting Social and what we are working on. Trusting Social is a company who delivers data science technology for financial inclusion. We do great scoring using alternative sources of data so that we can access great worthiness to the whole population. We have offices around Asian countries like the headquarters in Singapore, office in Ho Chi Minh City, a few in India, and research team is in Ho Chi Minh City and Melbourne. I am based in Melbourne. Here is the outline of my talk today. I will divide the talk into two parts. The first part is the motivation of the company. We will start with the great scoring problem and great scoring using alternative sources of data and the economic scale of our solution. In the second part, I will focus more on the technical part with the brief introduction of prediction modeling and the challenges that we face so far when we deliver machine learning and data science to this problem and how we work through that and what we are working on at the moment as well. First, I prepare the talk for a general audience so I just want to have a quick introduction of great scoring. Some of you may have known this topic but basically in finance, learning is the main business of the institutions. But if the banks or the financial companies can provide a loan, they need a way to estimate the level of risk associated to the consumers. So, by definition, great scoring is the process to evaluate the risk of a consumer, both of defaulting on finance application. So, to give a bit of context, at the moment, FICO is the biggest credit score provider in finance and if you work in banking and finance, you must have known FICO. So, as a statistic, every year about 10 billion FICO scores were sold and it averaged every day at 27 million credit scores sold by FICO. And put in the context of the US, 90% of the lending decision was made used by FICO scores. So, to have a great scoring model, this is how they work. So, at a prediction, as an observation time and normally this is the time that people apply for the loan. We want to predict whether they will default or not in the future. And what they need is the history of the person and in FICO solution, they need the credit attributes about the person. For example, I will show in detail later and then using those attributes, they will predict whether in the future that particular consumer is going to default or not. So, what do they need? What they need is basically the financial behavior of the consumers. Some examples are the payment history or the amount owed or the length of credit history. Some other things like the new credit or the types of credit that the consumer used and some other public records that they can obtain publicly from public records. So, given that information, can you give me a problem with FICO? What is the problem that FICO may face, for example, put in the context of India? What is the problem that they are facing now? Lack of data. Lack of data, but in particular what kind of data they lack? Any other answer? So, in the US, most of the people will have the bank history. They are going to have bank account and they have long history. Most of them. Of course, some of them may have never taken the loan. But put in the context of India, for example, most of the population haven't got any record in the bank and they haven't never taken the loan. So, how can they actually assess the great worthiness of the consumers if they haven't got any credit history? So, that is the reason why we are here. So, this is the issue with FICO credit scoring. Because they cannot assess the great worthiness of the consumers who haven't got any banking or credit history. And worldwide, there are about 1.5 billion adults that haven't got any credit history. So, basically, FICO score will keep those consumers out of the financial look. If they do not have credit history, they don't have credit worthiness. And the bank is not going to give them the loan or they give them the loan with a very, very high interest rate. So, basically they are excluded from finance, financial assets. So, what is the solution? If we face that problem, can you think of a solution? What can we do? Anyone has an answer for this? Any answer? Yep, we have to use alternative sources of data. Because if you say that you need credit history to give a great worthiness, then we can't solve that problem in developing countries like India or Vietnam or Indonesia. That's why we have to use alternative sources of data. But what are the sources that we can use? Can you give an example? So, some company, they use social media data, but that direction is basically very, very hard now because, for example, Facebook closed APIs in, I think, in 2014. So, we cannot, basically we can't grow the data from Facebook anymore, especially after the Cambridge scandal. So, we, at Trusted Social, we partner with, we partner with the telco data, the telco, to use the telco data and also combine with other sources of data as well to assess the great worthiness. But the main principle here is that traditionally, we use financial behavior of the consumers to assess their worthiness. We are going the other way around. We use their behavior overall to assess their greatest worthiness. The reason is that behavioral data is much more richer than financial behavior. So, financial behavior, you only have their great history and how they pay the loans and things like that. But behavioral data is capturing much more about the person. We can continue about this topic offline. So, the effect of using these alternative sources of data, we have a few effects. So, basically, we assess the great worthiness based on behavioral data. And we have already proved that our scores is better than the other scores using financial behavior. We can cover the whole population and especially we cover the unbanked population. That's why in our slogan of the company is that we provide financial inclusion for all. And we also can scale the business much more than other solutions. So, to give an example, in the previous slide, some previous slide, I showed that the free-code score can only assess the great worthiness of the consumers who already have the greatest history. But because we can give the greatest score for the whole population, so we can provide better 5 grand customized product to the consumer. So, for example, if we can assess the great worthiness with a good accuracy, we can confidently provide a loan to the consumer with a lower interest rate. And so, in the second part of my talk, I would like to focus a bit more in the technical detail. And as a research scientist in machine learning, my talk is going to be favorite in machine learning perspective and how the challenges that we face so far in the journey. So, because the talk was prepared for the general audience, so I just want to have a very quick overview of prediction modeling. So, in prediction modeling, what we want to do is we want to predict an outcome for some example. So, in this scenario, in our problems, our goal is to predict whether a consumer is a default or not and which one level of confidence. So, what we need, so this is the whole process of training machine learning, our prediction model. So, what we need is a set of training examples and of course, we have to extract the features from that set. We need to fit that into a supervised model like a logistic progression of random forest. Those models are going to require some parameters and at the first point, we need to initialize the values for those parameters. And then the model is going to give some prediction for the example that we have in the training set. Based on the prediction of the models and the labels, the ground truth that we already have, the learner is going to improve the parameters to provide a better prediction. And we go into this process until we satisfy with the performance of the model. And after we train the model, we test them by a test set where we haven't seen them during the training phase. And we use the parameters that we already trained to do the prediction. And then you compare the prediction with the labels to evaluate the performance of the model. So, going through this process, what do we need to make this prediction model work? We need, first is the data, of course, the data with the labels, right? And then from the data we need to extract the features, we need the labels, and we need the models. And of course, we need computational first facility to run this process. But each of these elements comes with its own challenge. And I will go through a few challenges that we've faced so far. First is how we can obtain the label data. The second thing is especially put in the context of great scoring, we face a class imbalance problem. The third challenge is complex and noisy data. The fourth challenge is the curse of dimensionality. The fifth one is the huge volume of data. The sixth is the reliability of the model. And the last one is conceptual. So, I will go quickly through each of these challenges. So, the first challenge is how to obtain the label data. This is the most important part because this is necessary to build any machine learning model. Of course, I put in the context of prediction model.  So, how we can obtain those data? We have to build partnerships with different stakeholders, including the banks, the telcos, the financial institutions. But it's not an easy part, task, and we have to spend a few years to actually come up with these partnerships. The second challenge is the imbalance data. So, the thing is to give you an example, if we have a set of 10,000 loans, we have only maybe 5,000 to 600,000 loans that are default. So, the rate of default is very, very small compared to the whole number of labels that we have. So, there is no actually model who can deal with this imbalance problem easily. So, and there is a very fundamental limit on what accuracy we can predict with these kind of labels, and we have to accept that. So, the lesson learned with this challenge is we have to be mindful of not only the data, the features, and the labels, but we have to be mindful about the imbalance of the data. If we do not use a suitable measure, performance matrix, our model is going to be screwed up. And the second lesson is we should not use the machine learning models as a black box. We have to customize them to suit our needs. The third challenge that we face was complex and noisy data. The data that we have are quite bad in the sense that there are a lot of missing values and a lot of duplicated and correlated columns or sources of data. So, to give an example, we have the data from the telcos. We have the code and SMS transaction. We have the top-up transaction or value-added service. And most of these data sources are noisy and unstructured.  Even though you have a very, very good machine learning models, for example, actually boost very, very powerful machine learning models. But if you do not process your data well, you don't have a clean feature set and a clean label set, your model is not going to work. So, how did we deal with it? So, first we have to rely on the data engineer team to do data cleansing. Very, very, very heavy job for them. And then we need the data team to do the feature engineering. They need to understand the characteristics of the data to come up with a set of features that they can extract from the data. So, but this process also comes with its own problem. We can, we can generate up to maybe 10,000 features. But, so with those large number of features, what are the problems that they may come up with? That is called the curse of dimensionality. So, because we have a huge dimensionality and the high level of sparsities. Some features may only like cover 10 or 15 percent of the population. So, the level of sparsities is very, very high. But we cannot drop those features because we are not sure whether they can contribute to the models or not. And also, because we extract them somehow like using statistical functions. So, many of the features are strongly correlated to each other. And with that kind of data, the problem that we face is it's very, very difficult to train the machine learning models. And it can be easily for overfitting with our dataset. It produce unstable models and it's difficult to scale. So, for example, if you want to predict the race call for example of 200 million consumers, how long your machine learning model is going to run for the just prediction phase only. If you feel, if you use 10,000 features. So, what should we do with these problems? So, first in terms of infrastructure, we need to have the best system that we can have. From a big data engineering perspective, we have, we should have the best solution that we can. But it still cannot solve the problem. So, we have to come with machine learning solution. So, we have to do feature like selection. A lot of techniques that we can use feature like selection. Or we can do semi automatic feature engineering. And all fully automatic feature engineering. The fifth challenge that we face is scalability. So, to give you the context of what kind of the data that we deal with. In some, in one of the telco that we have, we cooperate with. They have 50 million subscribers. And they produce a few terabytes of data a month and millions of records. But, moving to bigger markets like Indonesia or India, a telco can have up to maybe 250 million subscribers. So, you can imagine how is the size of the data that we have to deal with. To be honest with you, I don't work in this field. So, if you are interested in this topic, you can come to our booth and talk to our big data engineers. The sixth challenge that we face is reliability. So, typical approach to evaluate machine learning models are, we can use K4 gross validation. So, from the training set, we split the data into training and valid set. And we do that for 10 different subset of the data. Or we can even hold our test set. We don't touch them at all during the whole process of training including the phytoning parameters. But is it good enough in our situation? The thing is, we need to convince not only our team internally, but we have to convince our partners, the banks, the financial institutions that our credit score is reliable. So, we have to run intensive evaluation process with our partners to evaluate our performance. The seventh challenge that we face was concept drift because of many reasons. The word is dynamic. And the behavior especially in telco data, the way that we make the code or sending the message, are different depending on manufacturers like the culture or background or the country or demographic groups. Especially we face that very serious when we move to India. And the behavioral challenge patterns also changes over time. Because of manufacturers like seasonality on social or commercial events like you may have a festival coming up or even it change due to personal situation. So how we can deal with this concept drift? So we have to analyze the bias and variance in the data and in the distribution of the data. And our experience is that if our concept drift is high, then we use a low variance model. And the other way around, if the concept drift is low, then we can use a low bias model. So to summarize my message here, there are a few lessons that we learned throughout this whole process. That the real data is always complex and noisy. And the golden rule, even though I'm from machine learning background, but the golden rule always is garbage in, garbage out. Even though your machine learning model is very, very good, but if your data, your features and your labels are not clean enough, then you won't have good result. So that's why data cleansing and feature entering is very crucial in our journey. The third lesson is we should not use machine learning models as a black box. Because I'm working as a research scientist, but also sometimes I take part in the recruitment part. And I can see that a lot of people now put in their CV that they are data scientist. And they put a lot of keywords in the resume saying that they can do this and that. But we can figure out after maybe half an hour talk with them that they only use them, let's say import from scikit-learn and then import and fit the data and train the models. But if we ask any further question, then they can't answer. If they can't answer those questions, then how can they fight to the models? How can they modify if the data is not working well? If the model is not working well with that data. So the rule is we need someone who really know what is under the hood. And even though we still use open source library to save our time, but if we need, we still can jump in and modify the models. That is the lesson that we will learn heavily throughout our journey. And another lesson is that the evaluation should not be limited in the simple trend test split. But we need to keep testing dynamically with the new data that we can have. And that is the reason is that the real data is highly dynamic. And the philosophy that we implement in Trusted Social is that we always hire the past person for the job who knows what they need to do. So with those challenges that we face, why Trusted Social works and can go through the journey. So we have different teams and I'm proud of the team members that we have. I can say that we have the best person for that particular job. For example, we have a business team who come up with the business problems that we have and the partnerships that we have with our partners. The data analytics team have a very deep understanding of the data and come up with the set of features that are working well with the models. The machine learning team can control and manage the advanced machine learning models and we are working on the cutting edge areas of machine learning community. The big data engineer team is very good in data governance and scalability. And finally the software engineer team can deliver the high quality system and products. So to give you a bit of context of what we are working on now, I will go through a few directions that we are working at the moment in terms of machine learning and deep learning. So we work on graph analytics because our data mainly like one of the important sources of data in our data that we have is the social graph, the contact graph between customers. And we also work on representation learning and a few other topics of deep learning like attention and transformer network and deep generative models. We also work on transfer learning how we can transfer the model from one domain to another domain. And we also work on computer vision and NLP. In terms of the products and problems that we solve, we solve a few problems in finance like risk assessments for detection, face recognition and identification for the know your customer purpose. And we also work on chatbot and robot advisors. That also concludes my talk today. So if you are interested in you can talk to me offline or you can send me an email. And this time for questions.


Now team keeping clean. I ain't trying to get nobody too hyped up now But the fact that we do have a legitimate shot That is very exciting news. I mean before you get into it. I gotta say I thank y'all for subscribing to the channel continue to subscribe to The channel let's all keep growing team keeping clean as a family So subscribe turn your notifications on and leave a like on the video because it helps out the channel a ton a whole lot It really really really does now something else that could help out the Baltimore Ravens Would be if they added another tight end and Zach Ertz Zach Ertz former Philadelphia Eagle former he requested and asked for probably might even beg for who knows But he told the car. It's like look Carlos, please. Let me go. It just ain't working out I want to go in my career on a brighter note on a lighter note on a much better note I want to play for a different bird than you and the car those they thought about and I say, you know what there It goes that take your leave. You're out of here, buddy So they released them and he had to clear through waivers now This is where it sort of got tricky because 31 teams would have to not put in a claim form in order for him to Become a free agent to where he could sign whatever he wanted to that happened so now Apparently he wants to play for a contender and for the four contenders that actually want him to play for them are The Philadelphia Eagles the Kansas City Chiefs the Buffalo Bills I don't know if I'll consider them a contender right now But anyway in the fourth team the Baltimore Ravens So Jordan Schultz reported that he reported that the Baltimore Ravens are actually interested in Zach Ertz. So I like that Ravens I like that for several different reasons and we discussed some of them already But we'll reiterate them again one of them is because of his experience Zach Ertz is a multiple pro bowler And more importantly than a pro bow. He's a Superbowl champion He was on that Philadelphia Eagles Superbowl winning team So a few years back So him being able to bring even more Superbowl experience to the Baltimore Ravens You can never have enough of that Ravens currently right now. They got John Harbaugh Of course Superbowl winning head coach. They got Justin Tucker who was a part of the Superbowl They have Odell Beckham, Jr. They have Nelson Aguilore So they got some guys that have already won Super Bowls on the team right now But it certainly couldn't hurt to add one more now Jordan Schultz when he was doing this report because he was speaking about it on Bleacher report and he was breaking down how Zach Ertz would fit with all these different teams and when he got to the Baltimore Ravens, he said this is the one that makes the most sense Because with the Baltimore Ravens them having just lost Mark Andrews unfortunately and and there's that chance that he could come back later on if the Baltimore Ravens make a deep Postseason run, which I fully expect them to My status on the Baltimore Ravens didn't change from the beginning of the season because I said the only thing that I feel Could get in the way of the Baltimore Ravens and the Superbowl would be health and they are a pretty healthy team They have took some significant blows, but anyway, we'll talk about that later But anyway, Jordan Schultz He was saying that they make the most sense because they just lost Mark Andrews and he said they got Isaiah Likely who they really like second year tight in out of Coastal Carolina and they got Charlie called it too But if you add a Zach Ertz to that you could have somebody who has that experience Over those guys and now like with the postseason on the horizon It was it's coming up really really fast because this season is just it's flying by He says Zach Ertz would be a really really good fit and I'm like hey Jordan I was saying the same thing. I agree buddy So I just feel like the Ravens have a legitimate shot now It has been said that Philly they are interested in bringing him back as well We know Zach Ertz. He loved Philly was crying when he left Philly He really wanted to always be a part of Philly And I mean he will always be a part of the Philadelphia Eagles cuz he got a Superbowl there And he scored a touchdown in the Superbowl So he certainly was a legitimate helper something else that Jordan Schultz was talking about would be a Zach Ertz Roll he talked about how Zach Ertz right now with him being a free agent not having to be on waivers anymore But him being a completely free agent said he's gonna take his time He said he does not expect anything to happen over the weekend So Ravens fans we could chill for a little bit and he said maybe on Monday Tuesday next week Then he may stuff may start heating up a bit for him And he may start getting closer to making whatever his decision is gonna be But he talked about how Zach Ertz. He just wants to have a significant enough Roll doesn't necessarily even have to be a starter But where he goes could depend on what type of role they have for him now with us with Baltimore Ravens What type of role could Zach Ertz have if he joined the team? Well Would he be a starter would I expect him to be a starter? No And I don't think that's a realistic expectation Expecting somebody who was just like just released on that team we going into a week week 14 We're going in a week 13 14. I cannot expect it. Oh, yeah, they just he just got released Raven Just sign them. Oh, yeah, he gonna be a starter, right? Well, no No, but as the season goes along to have him to have that veteran there That could help that tight in room that much more and that could instill some more confidence in them, too And another thing as well as us Ravens fans know more than anybody Stay ready.  Get ready. You see how the Ravens did the wire receiving room this offseason. You see how they did it They already had Devon Duvenay. They had Rashad Bateman. They had Tyler and Wallace But what did they do? They said, you know what? It's not enough. We're gonna add more. So they signed Nelson Aguil. I was thinking, okay That might be a rap then they signed Odell Beckham, Jr. These things. Okay, that might be a rap then they drafted Zay flowers So the way that they attacked the wire receiver room because we know injuries happen We know some people will be out unfortunately and that's exactly what happened Some people ended up being out at different points in time But guess what since the Baltimore Ravens prepared themselves this offseason At wire receiver when they missed an Odell Beckham, Jr. When they had games without Rashad Bateman They still had guys that could come in and play and they were ready. They were prepared So now that Mark Andrews is out We of course nobody ever planned for Mark Andrews to be out because Mark Andrews had just really been legitimately healthy throughout his career But it's like are you drafted not one but two tight ends last year. All right, cool But now he's out for the foreseeable future You got Isaiah like he got Charlie Cola. They can do their thing But we got a thing against they ready so you ain't got to get ready You don't want to necessarily think like this But as a business as a franchise as a football team, you got to think like this especially as a Baltimore Ravens. What happens if Something would have happened to one of those guys. I wouldn't expect it to but hey You never know and if you could bring in another tight end like a pro bowl tight end a veteran tight end That could help just have that room staying ready. So they ain't got to get ready I take you to outside linebacker Outside linebacker this year. It was expected to be David a job. Oh a doll fell away Tyus Bowser. They drafted Trent Simpson as well. So it was looking like alright Okay, we got some young boys in that in that outside linebacker room. We're gonna be able to mix and match It's gonna be nice and now you look at the Baltimore Ravens primary Outside linebackers outside linebackers DN whatever you want to call them It's your Davion Clowney and Kyle Vinoy Two people who were not on the roster from jump So they had to go out and get those guys. They added those guys to the team So and you see how much of an impact They've had on the Baltimore Ravens and a lot of people wrote both of them off Not just to Davion Clowney because we've continued to talk about how a lot of people they wrote off your Davion Clowney But a lot of people did the same thing with Kyle Vinoy Nobody expected him to be doing what he's doing with the Baltimore Ravens But both of those two have been amazing and they have both been integral parts of the Baltimore Ravens Defense and they haven't just been role players. Oh, they actually been well They are roleplay, but they have a legitimate role. They're not backups. They're not feeling guys No, those guys are playmakers for the Baltimore Ravens So with Zach Erts, I just feel like it would be sort of the same thing as it is with a Baltimore Davion Clowney and Kyle Vinoy as it is the same way that did it with Odell Beckham, Jr. And Nelson Aguilera, somebody that could come in at a position where the Ravens are pretty young yet But they lack a bit of experience So you bring in those guys that have that experience that have been playing in the NFL that know what it takes to get The job done and that could make your team that much better and now the thing about it, too What makes the this even better even sweeter for the Baltimore Ravens this situation And even though it makes it sweeter for everybody else will be interested in Zach Erts as well You can come up with your own contract you don't have to go by the contract that he had with the Cardinals because He's gonna get his money for them since he cleared waivers The Cardinals will pay him that 2.5 mil if somebody were to claim him if they would have claimed him on a waver Wire then they would have had to pick up that 2.5 mil But since he cleared waivers Cardinals are responsible for that. So he getting that bread regardless if he get picked up by a team or not He is getting paid by Arizona, but now Since he's a free agent he can sign wherever he wants to whenever he wants to As a Baltimore Ravens You can sign him to the contract of your choosing It doesn't have to be what they had with the type of deal that they had lined up with it No, you get to choose it. So that makes it that much sweeter for you But at the same time That does make the competition that much tougher because while the Baltimore Ravens can sign Zach Erts So whatever type of contract they want to So can the 30 other teams? In the reason we say 30 other teams because we got to exclude the Arizona Cardinals because they're obviously not going to Resign him, but then a lot of other teams that may be interested in Zach Erts They eliminated because it was said that he wants to play for a contender So you look at the Philadelphia Eagles they are obviously a contender They only lost one game and I wasn't into the Jets. That's crazy. But anyway, they only lost one game That's his home. He knows the offense He knows a quarterback very familiar with the team knows the staff knows everybody there So I would give them the advantage when it comes to signing the Zach Erts And then they talked about how it Dallas Goddard he had been out for a while So he'd been dealing with injuries so he could come in and go do his thing over there So it would be a maybe even a seamless transition if he were to go from the Cardinals to the Eagles But but then there's the Baltimore Ravens So while I do feel like Philly has the leg up on Baltimore Ravens when it comes to that advantage of Having not only being interested in Zach Erts, but Zach Erts being interested in them with the Baltimore Ravens Obviously a contender as well Less familiarity that he has with the Baltimore Ravens. He would have to come in and learn a playbook He would have to happen over time but I Think that they could certainly carve out a role for him in the offense as a tight end He could help out in the red zone. He could help out on third downs He could just help out in the room. He could help teach I say and I'm sure they learning plenty from Mark Andrew because again when you got somebody like a mark Andrews in the building You just watch what he does and you like, oh my good. How did you do that mark that you do that man? Drew's so I'm sure he put an Isaiah likely and colon gain But it wouldn't hurt to have even more game. So let's see if the Baltimore Ravens decide, you know what? Zach Erts we bringing them in now Now while I would love for them to bring in Zach Erts I wouldn't be mad at it at all if they don't bring in Zach Erts I do not believe that will make or break the season I still do believe with or without Zach Erts the Baltimore Ravens are a Super Bowl team But with a Zach Erts that just makes you that much stronger that makes you that much more prepared and like we always say Stay ready.  Get ready


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And our goal is you matter, your life matters. We need you to be alive. Simple things like that can really make a big difference. We've been at events where we've talked to women who need to be free and they'll say things like, we'll just see what happens. Fate will dictate what happens. No, your life does matter. And we don't want to rely on fate when we have all these tools that can keep you here and your children. That's magical. It really helps mind and body both what you're doing.