. Hemingway's book that man grew up there Mr. Merriman grew up there and it is not even discussed here it used to be on the county historic registry it got taken off there's no nod at all to the historic significance and the cultural significance of this person and that this piece of property was the beginning of the Live Oak Ranch model that is the character of Live Oak what I want to ask is that you put in the housing but not the medical and the dental make it a big community garden keep the Merriman House use that as an educational site for gardening and bring a real sense of community to this area thank you members of the board thank you very much my name is Benjamin Iker I'm the director of a local nonprofit organization called Green Power we're part of the Romero Institute and we focus on mitigating the effects of climate change and I'm here today to say that you probably know there's a strong correlation and a strong link between the availability of affordable housing and our greenhouse gas emissions for transportation and so from that perspective we absolutely support this project but I also want to ask you to go further we made we achieved a great victory a few years ago in launching Monterey Bay Community Power we now receive carbon free electric energy from our residents and businesses and so now we have an opportunity to electrify and decarbonize our buildings and there's a lot of important reasons to do that first of all there are more and more studies coming out that show that natural gas which is primarily methane is an incredibly dangerous gas for our environment its global warming potential is about 100 times more than CO2 and additionally it's a combustible fuel which is not which is dangerous to have in the home but a better that comes from burning natural gas in the home can cause a range of health effects particularly in young children who are still in the development stages and so I want to ask you to encourage the applicants to make every effort that they can to ensure that this project and this development is carbon free and that they make every effort to decarbonize the buildings and use all electric appliances thanks very much thank you hi good morning my name is Bob Bailey I'm a donor my Sharon and I are longtime supporters of Diantis both annually and with the capital programs to increase the number of patients that can be served we do this because of the great need in the community for affordable dental care and the importance of dental care Diantis has been committed to meeting that need and teaching children the value of dental hygiene we support the mixed use project at 1500 Capitola Road as a very significant addition to the community we are delighted to see three groups team up to address the needs of increased access to health care and housing for the low income community we know it took a great vision and thought to coordinate this mixed use development to provide for these needs we know this project we know this project will have a big impact on the community serving 10,000 patients including 6,000 dental patients providing 57 units of affordable housing which is such a critical need and generating 16 new jobs we ask for your approval of the sale of the land and the entitlements to develop 1500 Capitola Road thank you good morning supervisors my name is Kelsey Hill I'm the social media specialist and intern director for the Romero Institute and I'm here to comment on item 16 regarding condition of permit earlier this year this board declared a climate emergency but progress has been often slower than the crisis demands in a time of necessary development in Santa Cruz County we have to ensure that this growth is in accordance with our principles of environment and climate change to expand building decarbonization as my colleague mentioned before me and we can follow the example of other states and municipalities by requiring all new developments in the county to be carbon free in the city of Santa Cruz residential buildings make up 28% of all carbon emissions commercial and industrial 31% that's nearly 60% of all greenhouse gas emissions if the county required new developments to be carbon free our community could massively lower its emissions and reduce the strides in our climate goals all while developing services and housing that's desperately needed in the county that's why we should take this leap and take bold action to ensure that this development is carbon free decarbonized buildings can often be cheaper they can often be safer but the big picture here is the health of our planet we are in the beginning of a massive extinction event and we have 11 years left to take big strides in the climate crisis we have the technology AC side county like Santa Cruz has no time to deliver on the ifs and buts of climate actions we have to make moves to lower our emissions and we have to do it now I'm asking as a county resident as a young person and as a climate advocate we can make bold decisions and we can make them now thank you that's a good one to follow basically this time Michael is saying I'm here representing campaign for sustainable transportation I sent off this project to my friends there at CFST and they had a few concerns in general we like the project we appreciate the housing aspect that it's on a transit road and that kind of stuff that's all good stuff the first concern is removing too many century old oak trees to accommodate new building locations we are hoping that the developer would attempt to save more of these best established oak trees also another concern about taking so many large trees with a loss of carbon sequestering and also their emotional value and identity for the community after all it is the live oak community another concern was the replanting of the trees along the south side on capitol road would interfere with the south facing buildings and shading problems this would limit passive solar heating another thing concerned by one of our engineers in our group is that there is no proposal for the taller building solar photovoltaic panel installation design I've heard nothing about solar in this development and also nothing about an EV charging structure you can have 192 parking spaces I would hope there would be some charging also the architectural elevations and building designs do not have any of this involved as a suggestion though I looked at the plans their largest amount of parking is on the southwest side of the building area that project could be used for solar covered parking structures which would decrease your having to put it on the roofs basically so basically you think this might be too expensive for affordable housing but don't forget the federal credit is 22% on any commercial projects through 2020 thank you Tim will be speaking for affordable housing now we submitted our comments to you in writing outlining the many great reasons why this is such a good project for you to approve I would just like to remind you that this kind of project with this level of affordability and and the number of units is quite rare and it's been your help in making this happen because it can happen without public land being involved in it that kind of subsidy and so we would like to thank you for your vote this is a great project thank you good morning Mr. Chair and fellow supervisors my name is Cindy Valdez I am a COPA leader at the Live Oak Family Resource Center which is a non-profit that provides services to low income families I would like to share a story about the Vasquez family there are two sons and spouses and a five year old grandson in the family they all share a three bedroom one bathroom house for which they pay 3,500 in rent in short there are three small families in a very small space at a very high cost and there are space and privacy issues with the highly energetic child and they struggle to meet the rent this is very upsetting to me I am very moved by the stressful situation that this family finds itself in this is why I am here today in support of the mid-pin housing project I believe it will be an affordable housing solution with the added benefit of providing health services please support this project and COPA members please stand thank you good morning Chair Coonerty my name is Ken Thomas I am a COPA leader at peace united church in Santa Cruz I am also a live oak resident COPA is in support of the project both the housing component and the health providing health centers what is COPA? COPA is an acronym for communities organized for relational power and action we are an organization of civic organizations within the Santa Cruz San Benito County and Monterey County there is 28 institutions they are made up of nonprofits schools labor organizations health providers and faith communities the stories that we hear such as Cindy's that she just told are how we go about selecting actions and areas of issues with COPA the stories that we hear time and time again have to do with the lack of affordable housing and as you know there is a linkage between the lack of that kind of affordable housing and social employment schools education and health impacts on families as you know vacant land within the urban service lines that is designated for housing are great opportunities to have in this county and we urge the board to approve this project with the upper end of the high density that the zoning allows and also the health providers that are on site thank you I think it just switched over to afternoon so good afternoon supervisors my name is Kent Madsen I'm a COPA leader from St. Stephens Lutheran Church located in Live Oak I specifically I speak in favor of the project but I specifically want to talk about the excellent experience we had with midpen housing all from planning all the way through to their ongoing management of St. Stephens senior housing our small solution to the housing issue on property that we made available to them so thank you Hello my name is Brooke Nielsen I'm a parent and resident of Live Oak we love the Live Oak community after hearing this meeting my best approach is to describe my morning to you I got up I got my kids ready for school crossing 17th avenue is a very dangerous thing to do with kids there's a group of five of us and people don't stop at the crosswalk on Harper going around to the crosswalk at Capitol Road in 17th the switch to engage the cross setting is broken living in a place where there's no sidewalks I hope some of the funds that are allocated to this project maybe could go to resources of safety for kids getting to school and lastly the environmental part of this discussion walking back I saw a blue heron right in the middle of the field and I thought that was emblematic of just keeping the idea that high density is one thing natural preservation is another thank you good afternoon board of directors for supervisors my name is Maria Cadenas I represent Santa Cruz Community Ventures we work to create local economies and I'm here in support of the project not only for the economic impact that the jobs will be created through the clinic but also the stability that it will provide those families about 60% of Live Oak families that live in the house and they can have you know viability in their futures furthermore we've been partners as community ventures with all of the partners being presented here in this effort and they are all they are all they are all they are all they are all they are all efforts and they are all excellent partners not only for the services that they provide but the approach and care that they give to community the future of this county is about working together and leveraging all resources together and that this is what this project provides not only limiting the impact on climate by allowing for walking communities and having services nearby but also insurance as families have everything they have to thrive and move forward thank you good afternoon chair community supervisors my name is Rafael Hernandez I'm with the housing program associate of Monterey bay economic partnership I'm here to speak in support of mid pens 1500 capitol road which features 57 units of affordable apartments a community center a public pausa in addition to dental services office and is 100% 100% all electric carbon free carbon public private and civic entities in the counties of Santa Cruz Monterey our housing initiative advocates for more housing of all types at different income levels higher density in appropriate locations near transit and jobs services which maximize public investment and infrastructure this project is perfectly aligned with as it is 100% affordable mixed use along a commercial corridor walkable to schools and services as well as having on-site health care being all electric and carbon free it is a high quality project with a high threshold for energy efficiency this carbon free approach is climate action planning that is in line with our regional goals and with Santa Cruz county's local goals for all these reasons we support this project and ask that you do as well thank you, thank you for your service good afternoon supervisors Manu Konig first district this is a good project it provides a lot of the things that our community so desperately needs affordable housing, medical facilities it's not a perfect project but we can't let the perfect be the enemy of the good and I fundamentally support moving forward with this project some things that I would do if I were in your shoes we've heard from neighbors that they're concerned about traffic impacts and we know that traffic and parking will become a problem we know because all you have to do is go talk to the neighbors over in the Winkle park neighborhood about how the emerald bay apartments there impact parking in their neighborhood we know that housing is in such desperate need that people will probably double and triple up in some of these affordable units cars in the site can support and that will lead to cars parking in adjacent neighborhoods so we need more permit parking and we we know that's expensive but we can use technology and citizen reported and enforced permit parking programs just like they're doing in New York and Malibu today to provide more services with less money so we need to do things like that and we need to update our design standards from the community how important it is that we preserve the natural environment that we ensure bird species continue to have to be able to call this a home as well and to protect some of the historic trees so going forward we need to think about projects that are win, win, win win for current residents win for future residents and win for the environment and I hope that you'll take those elements into consideration and establish policies moving forward Thank you. Good afternoon my name is Dr. Allen Bueno del Bosque District 1 I'm a local physician I work at the Santa Cruz Health Community Centers occasionally I'm also a board member of the Monterey Bay Community Power I'm here because I believe in data and for me the oceans are 30% more acidic there's 50% sea arctic ice in the summertime less than there used to be half the Great Barrier Reef no longer exists hurricanes are more frequent and fierce to our colleagues down in the Gulf Coast we know that we have more frequent and powerful fires here in California affecting now 4 million residents with the PSPS the reason I speak to this is because I'm very supportive of the project except I would love it for it to be carbon neutral 100% electrified creating its own energy through solar creating its own storage through battery and creating resilience through distributed energy resources for instance microgrids I think that would set the tone for the future development part of the problem we have today is carbon in the air and as a physician when I speak to patients and I talk about climate change the cancer in the air is carbon and we need to mitigate that and minus a carbon negative movement through a carbon negative future through carbon sequestration the best thing that we can do is mitigate carbon in the air and I hope that we can create a carbon neutral clinic here, thank you Good afternoon, my name is Joseph and I live on Lila Court and I'm one of the residents is going to be highly effective about what's going on over there first of all I want to thank you for your time and thank you for the service to this community, I appreciate it the concern of the residents and they asked me to speak for some of them because they have to work, they can't be here all day there's a parking the health center has said they have 141 employees the dental clinic says they have 75 employees the health clinic says they have a potential of 60 more jobs to be done that's 276 employees that may be affected this area in this two businesses the residential has 57 residents and one parking spot for each, some residents are three bedrooms, one parking spot some are two bedrooms, one parking spot, some are one bedroom, one parking spot the health center says they get 11,000 patients a year the health clinic says they get almost 42,000 do you think about how many people are going to be parking there in one day that's quite a few, oh by the way they only have 190 spots that they want to give us the sound wall it's going to be affecting us I'm grateful for the mid peninsula is working with us at that and that's appreciated but I do want to also care that the bus that they want to put in is at the corner of our street which would be sticking out it's also 10 feet from a residential house and that's bedroom of two young children I think that needs to be addressed and there's quite a few issues that need to be addressed besides the parking the bus stop the size, the three stories there's just too many questions that need to be still worked on there is no questions in my mind affordable housing care for employees and people in Santa Cruz County is important but I don't want you to forget about the neighborhood and the people who live there we're just as important as they are thank you for your time hello again Monica McGuire it's so wonderful always to hear the people who stand here and tell you everything that we wish you had the time to do yourselves apparently you don't because as much as there's so much good what is being talked about here the lack of design to take into account all of these very known factors in this very small county is pretty shocking the lack of forward thinking to make sure that every person who comes up already has what they're bringing up somewhat addressed so that we don't have to take time out of our days in the middle of a business day to come and talk to you about this not to mention it isn't coming to us in a way that we get to look at it and why decisions are being made that you have to break certain laws in order to put something like this forward again it is not rocket science it is just can you please slow yourselves down enough to listen to we the people who are doing our best to bring you our ideas long before we come to you and say now will you just do your supervisor work of making sure that you don't let go all of these important factors it's not that hard to account for all of these factors in the beginning stages and you really have the authority and ability to make that happen and we don't understand why it's not happening we don't understand what it is in our offers to you to help that you're not taking and when we come and then hear this many brilliant things said and then you vote in the super majority over and over to just go forward with something disregarding everything that we all come up to say it's so disheartening it's understandable why most people say there's no reason to go to any of those meetings they don't listen anyway that has been my opinion often but I come back over and over because I care so deeply most of us in this county are being pushed out of living here most of us live with this horrible sense we're going to be gone in five or ten years and all these things that have been done to make it a great place will not be for us please take our help more thank you good afternoon I'm Burt Whelan I'm a resident of Lila court and I'd like to thank the supervisors for listening to me and especially John Leopold and Zach Friend who we had the opportunity to meet with and discuss some of the issues I'd also like to thank Henry Runke for Runke and Post and also Cole Gunz from BKF Engineering and Lizanna Jeffs who helped and also Alyssa Tom from Public Works we had some drainage issue things that we talked with Zach and John and unfortunately I didn't have the opportunity to talk to Mr. Coonerty and McPherson and Mr. Coop but it's a time thing you know and these projects go on and there are some issues I think with parking that everybody realizes they'll work themselves out we have an issue as a residence about the bus and I think that can be worked out too I did submit a written proposal that maybe we should have the bus stop in front of the Santa Cruz community health center primarily because the west bound traffic is across and you could put an electronic device like they have on Jose avenue which would slow the traffic down so people could communicate, walk back and forth because it's got a lot of people that are going to take by bus hopefully you know and those are some of the issues that Joe Chariz covered some of the other issues and a lot of the residents on Lila court are in favor we're not against the project whatsoever we had help both from John in that meeting and I think those issues would resolve themselves it needs to go forward it's a good project the other issues they'll work themselves out people find a way to resolve problems and thank you very much I appreciate listening to me today thank you I'm Cynthia Berger with Santa Cruz tenant association I'd like to express my support for any 100% affordable unit development that comes before you and I hope that it's truly affordable I'd just like to remind everyone that renters are working really hard to but we don't all get to buy our house even though we saved a lot of money and we also are working so hard to pay 60% of our money that we can't come to supervisors meeting so when I come here I come here representing the thousands of people that I've talked to over the past five years I'm sure they would really like to see more affordable housing in the county area where you have so much more space than the cities thank you thank you that concludes public comment I will close it and bring it back to the board for deliberation and action Supervisor Leopold thank you chair and thank you for the testimony we heard today this is this has been a long process the conversations that we started really in 2012 in talking about the sustainable Santa Cruz County plan and in that plan which involved hundreds of local residents we talked about increasing densities along our transit corridors to try to look for mixed use development and there was broad support for that and in 2017 when we began the process of trying to think what would happen at this site this site that the county has not used for over 30 years we started off by talking a little bit about the history of the site and beginning a conversation with the community about what could happen at this site and when we received two qualified applications and we chose this one to enter into exclusive negotiation we held more meetings that were well attended over 100 people most of them from Live Oak and we I felt as though the organizations here midpen housing and the clinics were listening to the community people raised concerns about the location of buildings and what would happen on the site and I know midpen met with residents of lila court to address some of those concerns and in the final meeting we have with the community the project was actually changed the orientation of the buildings the location of the buildings moved to respond to the concerns that were identified in those meetings and there has been a lot of work trying to meet the needs the many needs of people in Live Oak as we heard pretty clearly that there is a need for affordable housing in Live Oak and at the original meeting in April 2017 people were in favor of affordable housing and the testimony we heard from renters from mothers talking about the importance of this is powerful it is hard to say no to just the the simple request to have a place to live in the community that they live in and so as we move forward with this project we have also tried to take into concerns I have met with lila court residents I have talked with folks about some of the issues when I met with lila court residents they were concerned about noise impacts on their property and I have talked with the developers and there seemed to be an agreement that a precast concrete wall would actually do the job of meeting the needs of their concerns and I think we should include that as part of the project I think that there was concerns about the location of the bus stop and I have initiated an additional conversation with our public works department and the metro to see whether that's the best spot or whether there could be another spot for that we have tried to work on this question about a gate in the back of the project because people walk through this project now this property now on to another undeveloped parcels to do that we have tried with the folks on lila court a different street to try to get access there including even offering to take their private road and we are trying to work with the property owner of the site that is undeveloped but has permitted plans to see if we can work there and I appreciate the willingness of midpen housing to think about the fencing and the trees to make sure that if that's possible that we can actually do that the other thing that we talk about a lot here and was brought up today is just the environmental impact now there is no getting around that this has been an undeveloped plot of roughly just under four acres for a long time and trees are going to be cut down in order to provide this other social benefit there will also be new trees planted and the tree which residents identified as critical the large tree at the front of the property we are going to maintain that tree it is part of the identification of the site and it is the most significant tree on the property and I am glad that they found a way to design this project in a way that would include that we also care about sustainability in terms of energy carbon emissions thinking about other ways to do to create housing and businesses that have less of an impact on our carbon footprint and so you heard a speaker from a group called Green Power and a doctor from the Monterey Bay Community Power Advisory Board and we have engaged in a conversation with the three organizations to try to see if we can make this the first carbon neutral project in Santa Cruz County and maybe additionally build resilience for this property by energy storage and energy creation that would really make a difference because what we have seen is even in urban areas now power goes off and what we used to think was standard that we could count on flipping the switch and it being on is not really necessarily what it is going to be like in the future so trying to think of whether this project we could create all those pieces of micro grid at this location we have begun those discussions and I appreciate the willingness of everyone to continue to work on that it should be noted that there are 18 spaces for electric vehicles on this site and because it is on a transit corridor it was really helpful I appreciate that we shared the information about the vehicle miles traveled and the reduction that we would see in a project like this this is what we should expect in the future projects along our transit corridors where we have the availability to do that people should know also that the height standards here are the exact same one that was in our general plan 20 years ago so we are finally accessing those heights we haven't created a new height standard you know the last thing that I'll say is that the historical part of this project and what we talked about at that first meeting is that there was an individual named Robert Merriman who lived on one of the houses in this location and so often when we talk about history in Live Oak we talk about chicken farms and Live Oak is way more than chicken farms and so I thought it was important that we recognize Robert Merriman because he was a local guy who went to college and earned a degree in economics and he came out of school during the Great Depression and he was so concerned about the what was happening with people in this country that he went to look for other ways of other economic systems and ended up in Moscow in the early 30s it was there he would study collectivism and a lot of other ways to try to think about and take care of people he ended up going to Spain as part of the large group of Americans that fought in the Spanish Civil War when our government and when other Western European governments chose not to get involved but the Spanish government was fighting fascism and because he had had ROTC training in college he became the commander of the Abraham Lincoln Brigade he eventually was captured and killed by Franco's forces but before that he met Ernest Hemingway and included him as a character in one of his books and so I'm glad that we're going to be recognizing that history in Santa Cruz because in Live Oak because it's a lot better story than just chicken farming to care about others and to fight fascism that story hasn't gone out of style in any way so I'm looking forward to this project I look forward to continuing to work with mid-pen and both our clinics clinics that have been partners in our effort around the Credo to Career initiative which has made a demonstrable impact on our community I'm glad that this is going to be family affordable housing because it's in walking distance to three elementary schools a middle school, a boys and girls club a swim center this is where family needs to be and we can't forget that so I would like to move the all the recommended actions and I would like to add two pieces to it which is prior to the issuance of the building permits in section 5 that we add under B which is submitting the final architectural plans that we add one more condition that the developer shall make the building's energy self-sufficient by generating, storing and transmitting energy from renewable sources to the extent that is feasible based on the availability of grant funding and other revenue sources design constraints including building code requirements that point to limited use of gas where it might be more efficient than electricity for some equipment and construction timeline constraints and don't worry Susan I have this written down for you I'd also like to add an additional direction that the owners of the property work on creating a precast concrete fence on a portion of the lila court side I've talked with residents and I think there's design in a location where that would work out that's the motion I'll second I just want to finish that this is a change in use this is a change in what we've expected at this location but we've done it with a lot of community input we've been thoughtful in addressing the needs that have been identified by the community we've come up with a design that I think is good and if we have this additional energy efficiency and sustainability we will be setting a new standard for a project in Santa Cruz county and we can be a leader in our community continue to be a leader in our community so thank you for everyone being here first off I would like to thank the amount of input this was remarkable to have this many people come forward and I appreciate the opportunity to meet with the neighbors last week and one thing that I appreciate it was they brought forward a set of issues that they were looking to be addressed and your motion fundamentally addressed most of them and I appreciate that that comes also from mid pens work I've worked with mid pen on projects in my own district where we've had similar concerns and they've been more than receptive and open to improving projects as a result of that this is a very unique way to look at a project especially with the health side of it we can't understate the importance for these communities to have services moving forward especially being able to have it within walking distance of where so many people need these services I got to say too that there were some individuals that had come forward that usually start with we need affordable housing I support affordable housing but then there's always this long list of reasons why you can't support affordable housing at this or any other location and you have to ask yourself if not here where and if not now when and I don't know what the answers to that are in the community where sometimes really good at finding ways to say no to affordable housing projects as opposed to finding ways to make things happen I think that this is actually a remarkable project in that it found a very unique way to serve many needs that are needed in the mid county region and I applaud my colleague for all of his work behind the scenes on this project but we have to do a little bit of self reflection on these kinds of projects we need affordable housing in some respects more than we need anything else in Santa Cruz county with some of the highest homeless rates and it's directly connected to our lack of affordable housing and we need to build more projects just like this moving throughout the county and I hope that more are able to come through and I think that's part of the point of what we're doing on the sustainable Santa Cruz plan to do exactly this and as opposed to just trying to find the individual issues that are unique to everything about traffic and noise and stuff we'll hear that on everything we've got to do this for the future and I appreciate that this one's coming forward yeah Mr. Chair very briefly this meets a tremendous need in affordable housing especially rental housing and it states in the report from the staff the project is consistent with all applicable codes and policies of the zoning ordinances the general plan I'm especially interested that it meets the significant it would result not result any significant impacts on air quality, greenhouse gas emissions or water quality and I appreciate Supervisor Leopold's efforts to be consistent, be outgoing and as he does always reaches out to the community to find out what it wants and adding this condition on trying to get to energy self-sufficiency I think that's a very important aspect of what we're going to do from this day forward and I would encourage any developer that's going to come in the future to have that in mind when they come before the Board of Supervisors Mid-Ten has been a great partner in the future and I look forward to it being a great partner in this project as well let's make a quick comment it's good to see the rest of the county building affordable housing I mean in the past it seemed like the biggest burden was always on South County and I think this project is good for the whole county so District 2 I know and then also the live oak area have been building affordable housing and so has South County with Mid-Pen I'd like to see the other districts participate also in the future to spread it out rather than have it centralized all in one spot thank you and I just want to say this is a great project and it's been made better by the input from the community and then I also would like to say you know very often during these hearings we only hear from one part of the community I thought today's testimony really represented a broad spectrum of the community and I want to appreciate the tone and tenor of everyone's remarks it was really made me proud to be to get to represent this community and to get to support a project like this so thank you very much we have a motion and a second all those in favor please say aye opposed that passes unanimously the final piece of this the final piece of this project is a mere five million dollars from the low and moderate income housing asset fund to MP live oak associates LP a partnership established in housing for an affordable housing project and to approve the assumption by the county of the rights and obligations of the Santa Cruz County redevelopment successor agency under an affordable housing and property disposition agreement and take related actions as outlined in a memorandum of the planning director Ms. Conway to bring us up to speed on this item item number 17 good afternoon board members Julie Conway housing manager the third and final item regarding the project at 17th and capitol road recommends expenditure of five million dollars from the low and moderate income housing asset fund local dollars are an essential part of building affordable housing without them it is very difficult to get these badly needed projects built they play a direct role in funding of course this five million dollars but they also play an absolutely vital role in leveraging the rest of the money that's needed for the project local funds also ensure that the community has a long term interest in the management of the community part of today's recommended action is the assumption of responsibilities for oversight of the property this role is consistent with all of the midpen projects that have happened over the last 25 years and they have proven to be a very responsive and responsible project manager in the long term we could go on the staff report provides information overall about project and financing and the legalities and of course I'm happy to answer any questions but I thought it's worth noting that the rents for these project the proposed project will remain over time and this is just an example most of the units target very low income the rest of them target low income with the exception of the manager's unit if you take a look at the rents in this community recently they are staggering this week they've been reported to be an average of 23 $150 for a one bedroom and 2975 for a two bedroom apartment so this is a significant project for the county it includes the disposition of property owned by the former redevelopment agency and a long community process defining the vision for live oak it centers health care in the heart of live oak and provides affordable housing and this project brings the county 16% closer to meeting our assigned very low income very regional housing need allocation and getting to this point has been a complex process especially since your board had to act as three different entities to accomplish it I want to take a moment to thank supervisor Leopold for his years long determination to use this site for the benefit of live oak community and also to recognize the community for its commitment to making this project the very best that it can be finally this community is fortunate to have mid-pan housing the Santa Cruz community health clinics and the Entus community dental care helping to build a better live oak and to serve us so well and a special thank you to mid-pan for working and reworking and maybe again reworking that vision and response to community needs and also for the work to come to accomplish it thank you and I'm going to ask if there's any public comments on this item seeing none I'll bring it back to the board for deliberation and action I would move approval to recommended action motion by Leopold second by friend all those in favor please say aye aye and that passes unanimously quick update for folks we have some folks here who have been patiently waiting for the no fault evictions which is item number 14 we will then take a break and do item the SSP advisory item and the legislative priorities items after the lunch break and we will continue the ordinance cleanup and the performance issues to our next performance management item to our next agenda going down the road so let me get to item number 14 which is consider an emergency ordinance adding chapter 8.47 to the Santa Cruz county code to temporarily prohibit no fault evictions if folks could move out of the room please that would be great prohibit no fault evictions through December 31st 2019 for properties that will be covered by assembly bill 1482 the tenant protection act of 2019 as outlined in a memorandum for myself and supervisor friend very briefly I think we all know the state took action to provide more protection and prevent large rent increases for tenants in California the problem is that bill doesn't go into effect until January 1st 2020 and this leads this time this gap in coverage and we've heard news reports about some unscrupulous landlords using this as an opportunity to evict tenants before they would be covered by this law and so supervisor friend and I working with county council's office modeled on a number of other policies that are taking this action to protect the tenants in this gap between when before the state law goes into effect you want to add? I'll just briefly add that this is happening right here in our community right now in fact the woman who spoke to us earlier during public comment lives in my district and it shared that story we've heard a number of other stories about this going on and these are people that are being evicted in their homes for they're paying their rent they're not causing any issues but there is an incentive now in the next 60 or so days to push someone out in advance of them so they can raise the rent and not have to pay them a one month's rent they can raise it more than 5% plus inflation so this would protect people this is during the holidays we have to think about what we're doing here I mean people in their homes that deserve to be in their homes we just have an entire item dedicated to affordable housing sending people out on the streets in this kind of housing market is not a solution for addressing anything that's to the interest of the county and this just adds 60 days and accelerates that process that the state's already codified locally and finally I guess I'd say we are asking this to be passed as an urgency ordinance which requires a forefist vote in order that it goes into effect today and not require the readings in the 30 day implementation period just a quick question maybe for council is if someone has been given an eviction notice and we pass this will this cover them yes it goes backwards if you if you look at the applicability section of the ordinance if you're still in your notice period and you're still living in the unit and it hasn't passed yet this covers you thank you now it's an opportunity for members of the public to speak to us is there anyone who'd like to speak to us on this item yes thank you my name is Gretchen Regenhardt I'm with California Rural Legal Assistance we provide free legal services for low income people in our community and our primary focus here is housing because it has to be I'm so thankful that you've brought this measure forward and I really want to send out initially my appreciation for that since AB 1482 passed we've seen clients initially coming in with notices of huge rent increases and then I think once the state law passed and landlords realized that they wouldn't be able to continue those increases after the first of the year now they're terminating those tendencies we have people coming in who've lived in their units for 24 years 19 years people with disabilities people with kids people with high risk pregnancies where their entire complex everyone in the complex is being evicted so that the landlord can raise the rent in January which the landlord would not be able to do because the rents would otherwise roll back to March 2019 levels so passing this ordinance today will help countless people who don't deserve this so thank you very much thank you Jim Willoughby affordable housing now this is a sensible solution to a real problem I'm glad that you can get it done and get it done today thank you is there anyone else who would like to speak to us seeing no one I'll close public comment bring it back to the board so motion by friend second by McPherson all those in favor please say aye aye that passes unanimously for the urgency requirements so we will now take a let's come back 1.45 and we will hear items 10 and 13 and continue items 11 and 12 to the next regular schedule for the supervisors meeting reconvene for our November 15th the first item we have up is item number 10 which is to consider an ordinance adding chapter 2.125 to the Santa Cruz County Code to create a string program advisory commission as amended as amended for administrative clarification on October 22nd 2019 and schedule the ordinance for a second reading and final adoption on November 19, 2019 as outlined in a memorandum of the director of health services Miss Hall good afternoon chair Coonerty honorable members of the board I also have with me here our relatively new health officer Gail Newell and as our health officer she also has statutory authority over public health matters as well as the public health department so for background on this item we came to you on October 22nd with draft ordinance language regarding forming a syringe services commission and this was a result of a biennial report that the department had provided to the board in June of 2019 and as a result of that biennial report the board provided some direction for the department to return with a number of items and the formation of this commission was one of them as many of you may know until this time we've had because the county took over this program that was formerly one that was run by a community nonprofit at the time that the county transitioned into these services we developed an informal advisory board and when the board adopts this ordinance we'll make the transition of transitioning out of the advisory board into a formal commission that is Brown acted on October 22nd we provided draft language to the board and the board had one minor change to clarify language and you can see the strike out version in your board backup documentation and at this time we present to you the changes that were recommended and directed on October 22nd for the board's consideration if the board should approve the ordinance language today we will come back with a final ordinance and for adoption of for the board approval of adoption great are there any questions are there any comments from members of the public seeing none I'll bring it you'll go back to the board for action yeah I just recommend the I would move the recommended action and I'm glad we're sitting up the syringe services commission I just wanted to restate my belief and I really appreciate every this is a very complicated very controversial subject in some circles but I just want to restate my belief that reducing the harm to the community by mitigating the needle litter is as important as reducing the harm and the spread of communicable diseases they're not mutually exclusive goals and I know the health services department has really been working hard at this and I appreciate their efforts but I look forward to the recommendations coming on December 10th great so did you move the recommended action second motion by McPherson second by friend yes I'm supportive of the action that we're taking here and I would point out that just this week the Washington posted a story about a new HIV cluster in West Virginia in a community that dealing has been dealing with some of the same issues that we're dealing with here and they chose to reduce services and what they received in response was a great new HIV infection cluster so it's a cautionary tale this has happened in lots of other places in West Virginia and Ohio and New York in Vermont and so we want to make sure that we have a strong enough program that we don't see that happen here in our community all right we have a motion and we have a second all those in favor please say aye aye opposed that passes unanimously thank you very much we could do item number 11 but I've been advised by council that since I announced that we have to put it off to the next meeting we'll be putting off item 11 and 12 and we'll go with item number 13 as our final item today which is to consider the 2020 legislative priorities for Santa Cruz County and take related actions as outlined in a memorandum of the CAO so good afternoon chair community members of the board I'm an assistant CAO Nicole Coburn and I'm here with Jason Hoppen as you know he serves as our county communications manager and he also manages our legislative program so he is going to be walking you through this item which addresses our 2020 legislative priorities good afternoon members of the board each year the county like other counties throughout California puts together a legislative program each county does this differently and in Santa Cruz County staff have traditionally prepared a legislative agenda based on feedback from departments and their professional associations on matters of legislative importance in the upcoming state and federal legislative years today we will be presenting our legislative program and asking for a specific direction on two items while we have made changes to how we handle this program over the years we've always presented the board and our legislative delegation with a legislative packet of items that departments have flagged collectively this represents a statement of priority this year we present the 2020 version of the packet with more than 100 specific items to monitor including specific bills and general topic areas this prospectus is being submitted for your information and if our advocates in Sacramento or staff request specific support or opposition we would return to you for action at that time new this year is the list of legislative priorities eight and four federal priorities in a mix of topic areas some of those are issues you and the public are quite familiar with some are new should you adopt these eight priorities we would ask that you schedule a December 2 public meeting with our legislative delegation to discuss them these are matters on which the county expects to be proactive in seeking either administrative or legislative remedies and we would expect to work with our delegation advocates and professional associations in order to accomplish them as we run through these items now which are included in your packet so the four state legislative priorities what you see on your screen is shorthand but I will read them the full item for your benefit so the first item has to do with the opioid crisis which impacts communities across the US including Santa Cruz County and it is that the county supports funding for drug medical services and access to substance use disorder services including medication for addiction treatment and alcohol management the second item has to do with an area that we are a leader in solid waste and recycling and it is that the county supports new legislation to address growing plastic pollution declining global markets for recycled materials compliance standards CRV and other issues including funding mandated local organics diversion facilities through cap and trade revenues we believe there are some extra revenues to support for a couple items that cap and trade revenues were being used for previously the next item is that the county supports reimbursement for counties and other local governments associated with the costs of public safety power shutoffs including but not limited to preparation outreach services for medically vulnerable adults shelters and more as well as increased local government input on investor owned utilities wildfire management plans and practices and obviously we have some recent experience the county the fourth item is that the county supports legislation making state armories available to address homelessness throughout California including making them available year round reducing or eliminating fees standardizing security processes to minimize cost to local jurisdictions and more we will now turn to the federal legislative priorities several of these you will be familiar with as well the first has to do with our road repairs and that's that the county supports the U.S. Army Corps of Engineers and the White House Office of Management and Budget reestablishing funding either through administrative or legislative action of local governments to complete emergency repairs funded by a federal highway administration FEMA or other agencies through time extensions or legislation expanding project windows on projects using federal emergency relief funds the next item has to do with the project that we've been working on for quite some time reestablishing funding formulas for more equitably determined the costs and benefits of flood control projects in communities such as the Pajaro Valley which has inadequate flood control protections due to project analysis favoring wealthy communities the next item has to do with housing actually and we believe that housing is a big hole in a lot of our programs including whole person care services offered through our health services and other agencies and it's that the county supports future changes to the California Medicaid State Plan Amendment or new federal waivers to allow housing to be included in the reimbursable scope of services for beneficiaries with complex health challenges and the last item has to do with parks and it's that the county supports permanent funding for the land and water conservation fund including SB 1081 and HR 3195 and the county also supports federal funding for active transportation particularly for hiking and biking trails and with that we would ask that you adopt the recommendations in the packet including scheduling the December 2nd board meeting so that we can assess these items in depth with our delegation. Any questions? Great. Any questions? I have a brief comment. There was one item on the more detailed list that I just wanted to mention. It was in the health services access to health care it was the last bullet and it says actions by the center for Medicare and Medicaid services Congress or legislature to deny, reduce, cap or eliminate MAH TCM reimbursement or to make claiming more administratively burdensome. It seems like it's missing what we don't want that to happen or you know it's we don't want them to deny, reduce and eliminate and it's not clear from the way that's written. We can take a look at that. Correct the language. When I read it I was like we don't want to cut funding. We don't. Thank you. Great work on this. I think it's both focused and then also well structured to make clear what our legislative priorities are. I guess the one two changes I'd suggest making is on the on the actual legislative priorities for the one about power safety shutoffs I was in the last as well as increased local government input on investor owned utilities, wildfire management and practices. I'd also include governance and structure because I think we're seeing some fundamental problems with an investor owned utility and the other change I'd like if my colleagues agree is on the bottom of page 7 of the longer list we have a goal that policies and actions to limit university limit enrollment at UCSC to match community resources and to fully mitigate community impacts of any future growth including providing infrastructure needed for that growth and support. It would be great to move that up to the legislative priority list because it's such a fundamental issue to this county and we will need our legislators support to add that to the state lists. I support it even if it ruins the symmetry of the state and the federal. I really want to say how much I appreciate your efforts in getting these priorities. As you say there's more than 100 of them and we have now maybe the 9 top, not even the top 10 but we really got a focus on what's most important and a particularly interest of interest to me is the recycling situation and fixing that and making sure that our local jurisdictions are reimbursed on the power shutoffs and fixing the federal transportation fund. There's one though that I'd like to get making the state armories available year round for emergency shelter. I think I would like to see how we can make that a little more additional direction to strengthen that language. It says to improve you know to prove our access to it, to allow access to armories or strengthen it so it gives us a little more umph and trying to do that. There's a lot of change in the legislative process but I'd like to just say instead of improved because I don't know how much they would prove it, just allow it and let it happen. That's just suggestion or some language of that type to put more emphasis on the need. Because we've seen that we have an armory here that's been closed and this past this was empty last winter and we don't have an agreement with the state to use it this winter and the rains are approaching so I'd just like to see us kind of press the envelope on that. It's been I think at least three years since we've been able to use that before. Sure and that item is actually based on a bill that was introduced last year in the legislature and did not move forward that would make armories available year round for homeless shelters. It has previously been available during the winter months so that is what that's where we get the language about expanding access. The last few winners it has not been available because of a project that the armory is working on but we expect that will be returned soon and we would just like to open that up for the whole year but we can definitely look at the language. I'll just add just one last thing that the piece where we talk about climate change and infrastructure and acknowledging that we need help from both our state and federal partners to help pay for the infrastructure necessary to adapt to the climate change that are happening is going to become critical and other states have this and I hope when we have our legislative delegation here that we'll be able to talk with them about it because when we have things like cap and trade it should be used not to you know basically support the polluters but figure out a way to help the communities who are dealing with the impact of these carbon emissions to be able to respond and we're going to need a lot of support as we get this climate action management manager that will look at adaptation strategies we're going to identify a lot of needs so I appreciate you putting it in there. Thank you. Anything else? Okay is there any member of the public who likes to speak to us about these items? Seeing none I'll bring it back to the board for action. Second. As amended. Okay motion by McPherson second by Leopold all those in favor say aye. Thank you for your good work on this and hopefully our legislators listen. Thank you. So that will we will now conclude our meeting and adjourn to the next regular schedule board supervisor meeting which is November 19th here at 9 a.m. here on board chambers.


Boom What's up money geeks? Mr. V here welcome to another video guys. So into this video We are going to talk about take a symbol C HPT charge point So we're covering charge points here not because there's some major news about the stock but because this talk has actually rich some technical analysis points that I like and I'm looking at at least a Reverser and maybe taking a swing trade in this particular zone So that's what I wanted to cover into this video But before we get started guys, we are new to the channel. We took about how to earn money How to save money how to invest and build wealth? So that's something that interests you go ahead and hit that subscribe button and the notification bell So you don't miss out on new content. So when it comes to charge point, we obviously know I mean when they are the number one Leader in the United States as far as providing Electrification charging stations across the country. So they lead that space They have about 70% of the market right now when it comes to a charging station. So there are the leaders Blaine has about 8% and then even go and all the other charging stations Share the remit their the remainder of the market, but charge point is the leader in that space If you haven't already definitely go to the website read about the company because they are doing some awesome things So for those of you that don't really know you can just look at it They have are they provide the services to businesses again Like I've talked about if you go to let's say target you would see a charging station outside You go to your local golf course like I did my local golf course and they had a charge point Station right there where people can actually charge the vehicles and so I mean I think it's a good idea So they they provide the solutions to individual to individuals Residential as well as commercial. So you would see Charge point in all these different locations again the reason why I wanted to cover charge point today Like I said is because they are From a technical analysis standpoint is stuck. It's actually get into a zone that I really like So I'm gonna jump right on here so we can actually take a look and see What that means so this is charge point and right now I have my chart set to this So you can see here So here's where I want you to pay attention to and this is what I am actually looking This is why I'm actually paying attention to this If we notice like charge point everyone their earnings came out thing two weeks ago So I and I was a little bit disappointed because I didn't anticipate that the earnings would be gonna be that good I know that they actually increased their revenue year over year But I didn't think it was gonna come out and be really positive So and that came out so much things somewhere around here. I know if you see this little spike right here It go it go it went from 21 to about 23 or 20. Yeah 23 That is because their revenue came out and was positive But then it look at that since then it pulled back So this is and when I did a video maybe two weeks ago when I talked about charge point That's why I kept saying like these levels down here. This is where I'm looking at that looking at buying charge point for a Potential reversal just go back here. This is what charge point has done in the past this $20 Price point here to me that is showing as support So if it breaks 20 and then that is a potential risk, but between Under 20 so between 20 and 19. I would definitely Feel comfortable taking a long position. So each time this stock is actually Come down to about 20 a bounce. So from here. Look at that all the way to 31 Pull back again hit 20 bounce all the way to 26 Bounce again when they hit 20 and this one got squeezed all the way to 30 almost 36 dollars and then Pull back and now was we'll see looking at that bounce off of That 20 so at these levels, this is where I feel comfortable Getting into the trade so again anything from 20 and 19 in that range I'm gonna definitely take a trade and I'm actually gonna be buying Option calls on this one. I'm not gonna buy the stock because I think that if I buy option calls I can potentially make a lot more money and risk less money Or tie up less liquidity in this swing trade. So I'll give you guys are Kind of my work through here. So if you take for instance, if you buy Let's say a hundred shares of charge point at $20 So you're looking at two grand to go into that trade. So if you buy call options because right, I'm actually looking at December 17 call options for charge point. I think strike price is about thirty eight dollars It's showing me right now. It's about the asset. There is about forty two dollars So I can buy a hundred shares for forty two dollars again in this case I'm buying one contract, which is a hundred shares and if this is new to you guys I'm actually working on some videos here where I'm going to share my option strategy I don't consider myself an expert in options But definitely I'm actually doing options and trading some options because it really allows me to use my liquidity Even more efficiently. So if I buy a hundred shares Here at 20 in which is one contract. It's gonna cost me forty two Dollars and the strike price is thirty eight bucks. So again, if if the I'm only risking forty two dollars To get a hundred shares in this case and if you bounce back and move all the way to that thirty eight dollar price point Guess what? I'm in the money. I'm gonna make some good money if it starts to pull back I can always close on that particular position and get out and not lose my entire Liquidity. So in this case, I'm risking forty two dollars for a potential of making Three four hundred dollars. So that's my game plan. So in this case, I might go in and buy maybe about ten contracts at forty two dollars and contracts cost me about four hundred and and twenty dollars compared to buying 100 shares outright at $2,000. So if you see right there, it just doesn't add up as far as using my liquidity the right way So that's my game plan. But again, what I wanted to show you guys is that this level right here This blue line, that's where I think I'm gonna start buying again under 20 somewhere around 1950 I'm gonna I'm gonna buy here Now for that reverser back to the upside if you can see here the first target here that I have it Somewhere about thirty three thirty three dollars. So that's my first target But it doesn't mean that you have to sit in the trade and wait until it gets to 33 You can start looking at your your take profit strategy So you can say hey if this thing goes from 20 to even if it hits 30 You can take 50% of your position out if it goes to 32 that you can take another 50% of your position out and then just a continuously take profit as it goes up To the point where if it gets to say 40, you may have about 10 or 15 percent of your position Again, you're still enjoying that benefit of not completing getting out of the trade So you have to have your personal Take profit strategy and if you can see down here the red line here where I have my stop loss Again in this case since I'm buying options if this thing starts to pull back Again, I don't want this thing to to to expire with me expanding zero So if it starts to pull back and it gets to these levels here I am just gonna close the position and take my loss and and walk away. But remember I'm only risking if I buy 100 if I buy 10 contracts at $42 that's only gonna cost me 420 but when I say risking 420, I'm not gonna sit here and watch the 420 disappear I'm gonna watch and as soon as I see like it's time to pull back if it's not the trade is not going in my Direction, then I'm gonna cut my losses and get out. So those are again I'm there the second target here the second green line up here. That's me being very ambitious Again, we can see here that this was back in December of our 2020 when he got to this high Up here at about 47 hours and then I think as of 2021 We only got to it back in January and sometime in March when we got up to 40 So ever since then the stack is just not being able to go crack that 40 again. So again this Target number two is me being ambitious But again target number one is where I would see if this thing bounce and squeeze back to the upside That's where I would see charge point making some waves. So we'll see how this goes But that's what I want to cover in this video. So again, this is my plan. This is my strategy There's no major news right now on charge point the only things that I see with charge point is because We'll talk they're talking about the infrastructure bill the infrastructure bill has a ton of our wording in there for electric vehicles electrifying America in Talking about building charging station across the country because right now for for for people that have electric vehicles One of the things that makes them panic a lot is because if you want to travel across the country The range for most electric vehicles right now is somewhere between 125 to 250 average, I know Cars like Tesla can go all the way to 400 Lucy just announced that they can do 520 so the range is Gradually increasing but the average right now is somewhere between 125 and 250 So that's not really gonna make somebody comfortable if you have to do a 600 mile Trip so you want to be sure because right now if you're doing it with your Combustion engine, you know for sure that is gas stations along the way that you can stop But if you don't even not sure about the charge station and then you might not feel comfortable taking that trip so I think Electrifying America and the infrastructure bill would be stuff that would really push this to to move forward if the Infrastructure bill goes through and then you might see charge point even skyrocket But again, it is no guarantee that's gonna go through so you have to be careful with your trade That's why we have stopped loss So that if you're going and the trade is not going in your favor You can always get out so this would be a swing trade opportunity for me And if you guys are also gonna get in the trade again guys I want you to do your analysis and make sure that you're doing the right thing Before getting into the trade so again My plan here is to swing this and take profit as it goes up So if I see like it's not gonna get to my my target number one Which is about 33 dollars then I'm gonna kind of start taking profit somewhere that I feel comfortable again You can never blow up your account securing profit So when it's profiting they take some you don't have to take you don't have to liquidate your position again Have a profit taking plan say put in when you set those targets Make sure you follow them if you say hey if it gets to 28 dollars I'm gonna sell 50 percent if you get to 28 sell 50 And then hold the remaining 50 percent just so you know for sure you're really secure some profit So if it gets to 33, I'm gonna say another 50 percent of what's left you sell 50 percent of what's left and hopefully See it move up to say 40 again. That's being very ambitious. So that's what we're gonna cover in this video Again, let me know in the comment section what you think you can really own charge point your portfolio if you do Then you can actually benefit from this if you bought it at these levels and then you can actually sell some cover calls It may be strike price of 38 so that if it goes up to that 38 you can still sell so you can sell it And make profit but again on top of the premium that you can get a collect from the cover call So those are some of the things that I'm gonna start talking a lot more about here on the channel because I've been getting a Lot of questions from people asking me if I do options I do trade options, but I haven't done any videos on that So I'm gonna start sharing that with you guys here on the channel again If you're new here, we talk about how to earn money how to save money how to invest and build wealth So that's something that interests you go ahead and hit that subscribe button and the notification bell So you don't miss out on your content also guys if you're looking to get started with investing again I'm gonna put the links in the description below we both ask a tons of promotions Where if you sign up and deposit five dollars you get free stocks in us always guys Do you do diligence don't be a good savage stay motivated


Perfect. Perfect. And maybe let's talk a little bit about, you know, what exactly does a risk practitioner do? You know, what is like the day-to-day things that you get up to? I think there isn't a day-to-day, I think being a risk practitioner is really a very wide canvas. You can have three risk practitioners that do very different things on a day-to-day basis. And they could be, by the way, the same company, but they still do very different things. So at one end of the spectrum, you could have an actuary working on some monitoring activities around asset exposures. And then at the other end of the spectrum, you could have someone working on overseeing how the health and safety risk is being managed in the same business. And those two people would still be reporting to the same CRO, but doing very different things. And I'm sure that we'll be having very different days in terms of the interaction and the stakeholders with which they are engaging. Okay, perfect. And I suppose that will only add to what I've said, is that for me, that variety is really what makes the work working in a risk function interesting. I suppose I've been blessed with having a number of roles that have exposed me to very different activities ranging from impact analysis to lobbying and engaging with external stakeholders to working with the regulators to explain why something is being done in a particular way to then having conversations internally about how to address a specific regulatory issues. Okay, great. And I mean, what is the difference between enterprise risk management and risk management? That's a very good question. I'm not sure to be perfectly honest if there is a textbook answer to that question, but I'll give you my answer to that question. I think risk management is exactly as it says, it's about managing risks. I think it is regarded as a more traditional terms that has two specific connotations. Number one, it has the connotation of being about managing a specific risk that could be, for example, health and safety or could be anything to do with asset management. And I think that the key point then is in isolation of the risks that might exist in the business. And the second aspect of, or second connotation, I should say, of risk management that comes across in that distinction is really about the purpose of risk management. ERM brings A, that holistic perspective of all risks into consideration, which is challenging, but nevertheless something that has to be tackled and addressed as effectively as possible. But enterprise risk management should also bring a different perspective of the purpose of risk management, which is about how risk management can add value to the business. So as opposed to just to protect the business from bad things happening, which is obviously very important. And it's perhaps the bread and butter of any risk function, but one should not stop at that where the purpose of risk management should be much wider. And should include helping the business makes the right decisions to ensure that it achieves its objectives. Okay, because I mean, for a long time, the risk manager has kind of been seen as the fun police, almost as someone who blocks business decisions, like saying, oh, we can't do that because it's too risky. We can't do that because it's dangerous. But I mean, in business, in order to create value, you need to take those risks, you need to do it. So I think your ERM tries to also look at the upside instead of just focusing on the downside. But the question comes in, and how does technology now play a role with risk management?  Is this because to some people, it might seem as a quite a strange match. So where do the two come in? Is technology to help risk management or is risk management there to help implementation of technology? That's a good question again. I think technology here, or when I think about technology and risk management, I'm not thinking specifically about technology for the risk management function. I'm thinking technology for the business. I'm then thinking that one of the questions that the business should have when it's thinking about technology is what is going to be the impact on the risk profile of the business. And that's then a question that the business that the risk management should consider jointly. So that's my kind of angle, if you want. And perhaps the other point I would add to what I said is that the flip side of that argument, if you want, is about the adoption of technology. And I refer to AI perhaps as a convenience, if you want. I'm thinking here about the adoption of technologies more generally. And the question I think that many business have is how on earth do we then go about bringing those technologies that we can see outside into our business. And my proposition, if you want, is that if you start thinking about the impact that the technology might have on your risk profile, if you start thinking about governance and how your business operates, that's a way of starting the conversation. And I emphasize that starting the conversation as opposed to ending the conversation because how you end up the conversation will really depend on many, many things like, for example, what type of technology you're thinking about. But I think the challenge is sometimes how you start. So if I can give you a simple analogy, the challenge sometimes is not how to climb the Everest. The challenge is how you go from the base to the base camp from which you then launch the final assault on the summit. So there is a similar challenge here. I feel that people sometimes are looking at fintech that exists outside of their own businesses as a little bit as the Everest or climbing the Everest. And my argument is that thinking about risk management, governance, operating models, that's a way of pushing you towards their scent. It may take you as far as the base camp from which you can then launch the summit. But it's not the full answer. And I'm very clear about that because one cannot answer that question of what's the right technology for a business in isolation, whether AI in this process or that process is the right thing. But one can start those conversations if you start thinking about risk management, governance, impact on risk profiles that you want to achieve or you want to avoid and similar things. So I like to think if you want also about infrastructure. Risk management is at one level a little bit of infrastructure for the business. And if you're bringing something very new or relatively new, if you wish, like artificial intelligence, some blockchain technology, you should be thinking about your infrastructure and if that's the right one. Okay. Because I mean, this is the thing is we were talking as actuaries that models are useful, but they're always wrong and that we shouldn't use them as the final decision maker. They should always be that human element that assists with it. But seeing the rise of AI and data science and this new thing, decision science, do you think that we're going to get to a stage where the models or the technology are going to be allowed to make certain decisions such as increasing premiums, reducing excesses on certain products without the need of human oversight? Or do you think that that type of transformation is a little bit too far-fetched at the given time? I mean, to be honest, I don't think it can be ruled out. To be honest, I think also it might be happening in other areas. For example, I think it might be happening in credit cards businesses. When you apply, I don't think there may be any, in all cases, there will be an individual looking at my decision. It may be fully automated. So I think the key point about your question is for me about the target operating model, that in which you want that technology to operate. And it's not necessarily a binary question and it's not necessarily a stable answer either. So for example, at the moment, we have the operating models tend to have a significant human component that in many cases is perhaps not very, it could be regarded as not the best use of anyone's time. So at the other end of the spectrum, you've got operating models where the decisions are fully automated. Now, as you clearly hint and I agree with you, one needs a fair amount of confidence on models to rely on them. There are also operating models in the middle where models make decisions with inserting parameters. And then outside those parameters, then they call in or they alert a human to then consider the case and then take a decision. And obviously there are also other scenarios where the AI tools are really acting as advisors and just giving a much more sophisticated recommendation to the analyst. You see that, for example, very often in the medical field, in particular in radiography, where you need a very keen and sharp eye and being able to recall similar shady pictures of an ailment. And my understanding again is that this is an area where AI tools are used to give the analyst, the radiographer, a very sophisticated recommendation of what is it that you're looking at. Is it, for example, a cancer, or is it just something a bit of water that doesn't really, it's not a matter of concern. So yes, there might be scenarios in the future, perhaps much more prevalent today where decisions are automated, but I'm comfortable that there are many operating models that sit between fact and where we are today that could be equally beneficial for businesses and for individuals.  And they were both around 92, 95. But when you added them together, you got a much higher, I think it was up to 99%. The interesting thing with that example is when we look at, let's say the economics of having a practitioner, they are expensive, all these analysts, especially in the medical profession, they are expensive. Whereas we need medical care around the world, specifically in poorer regions. And I mean, this is a big opportunity is if AI can can almost learn that next 5%, okay, increase that accuracy, we can then be helping people all over the world be able to pick up on these symptoms before they become a problem. So 100% agree that, yeah, it's great to have the two together, but sometimes it will be cool to have the AI kind of making all the decisions. And I think, is that maybe going to happen in the future? Or do you think there is maybe just a bit of an upper bound on the technology? Or like I said, is it too difficult to say at this time? I think it's both an upper bound. And I think it's a case where the answer will vary between the many different interactions that we have. So for example, it may be that it happens earlier within a five or 10 year horizon for premium, but for medical issues, it may take much longer, if not, because the downside of getting it wrong are very different.


Hi everyone, Joe for jaspyscasebreaks.com doing a random number block randomizer for these few teams right here, specifically for Pick Your Team 2. This is how the number block, the whole serial number break works, if you're interested in that, you get a block of numbers. Hence the name, big thanks to this group here for getting in on the action. And there are the numbers right there. Let's roll it. Randomize names and numbers 5 and a 1, 6 times for each list. 1, 2, 3, 4, 5 and 6, 5 and a 1, and Matthew down to Mark, 5 and a 1, 6 times for the numbers 2, 3, 4, 5 and a 1, 6 and final time. We got 3 down to 0, I remember what the description says about 0 gets any and all redemptions for those 3 teams, including 1 of 1 redemptions. Alright Matthew with 3, Mark with 4 and 9, Adam with 7, Craig with 1, Peter with 8, Eric with 2, Adam with 5, Matthew with 6, and Mark with 0. Let's sort these by column B, by number, and in a separate video will be the break itself. jaspyscasebreaks.com. Bye bye.


Welcome to the Argos Toy Unboxing. Today we have the Pick and Mix Sweet Shop from Chad Valley. Let's have a look inside the box. This is a fascinating set. Who wouldn't love playing with this? The Pick and Mix Sweet Shop play set has so many exciting components. It's all focused around the colourful counter. You have a cash drawer to store the money in here and a set of working scales in the centre. There are all these little sections around the scales to display your tasty treats and two jars to store them all at night when the shop is closed. Of course providing you haven't sold them all. The set does come with all these sweets shown but if someone should eat them you can buy new varieties to play with. Oh look! A customer! Hello there! You'd like a lollipop and a hundred grams of wine gums? Okay. See how I'm using my scoop? I'll pop them in this jar for you. That will be £1.18. 2P change. Enjoy your sweets and please come back soon. Thank you for watching this Argos Toy Unboxing with the Chad Valley Pick and Mix Sweet Shop play set. We hope you've enjoyed learning about weighing, measuring and numbers as well as playing with all the delicious treats.


it is Sunday morning just before 11 o'clock and as usual lately I spent the first part of this morning not only getting myself ready and putting a hair mask on my hair but closing last week's vlog because I forgot again because you know um anyway the birds and squirrels have been having breakfast in our backyard and uh yeah we're just sort of enjoying a quiet morning I do have to go to the bank probably today I need to deposit a check from a client I need to check the peel box I'm sure there's other stuff we need to do so we'll see if we actually do it today or not I don't know anyway I'm gonna sit down and have some more water and watch some more YouTube and then we'll take it from there I gotta let my hair dry before I do anything all right I'll be back and I have no idea it is Friday evening uh Friday evening holy cow Monday Monday evening July 4th independence day yeah we spent the day with the kids there's a few clips you probably saw before this um we barbecued did a few fireworks oh I should probably leave that off everybody had to leave to come home early because they've got pets to take care of our neighbors behind us are setting off fireworks oh not that one this one so let me see if I can see anything let me turn you around they're still out there you can see them right there in the street of course now I've got the camera on I don't see anything but you know give it a second come on you were active a minute ago it's been a really good day uh Bob and I are getting ready to go out of town for a couple of days tomorrow we're already mostly packed like probably 80 percent 90 percent packed and uh we'll make sure before we go to bed that the house is clean and then we'll finish packing in the morning and we will head north and of course we'll take you with us I'll be back yes we're in the car again happy Tuesday morning July 5th we are headed to Leavenworth Washington for three days two nights and yep it ought to be a great trip I think just get away just to get away for no particular reason just like when we went to seaside just for no particular reason uh Leavenworth Washington for those that don't know is a cute little Bavarian inspired town uh in the Pacific Northwest I will try to link appropriate town visitor websites or something down below anyway we're gonna of course see what we can see take some video take some pictures you know the usual so I'll be back if we're in Leavenworth or so of course we made up potty stop because you know anyway they had an old school map like didn't know that they made those anymore anyway we are going to get back on the road and at some point try to find something place to stop for lunch and we'll get there eventually we're not in any hurry so we're gonna see what we can see I'll spend tons of time filming filming video clips this afternoon right now at least because my phone only has 50% or less of battery power because I've just been filming all day and not charging it properly anyway we're in Leavenworth Washington a cute little Bavarian inspired town and we're gonna walk around hopefully find one coffee shop that's still open and get some ice coffee and see what we can see I'll bring you with us as long as my phone lasts I'll be back back from walking around and having dinner and that's right we're gonna play miniature golf I don't think this is going to go any better than bowling did for me but we'll see I'll be back here's Jean at the first hole straight shot yeah I'll so she's gonna hit it one more time one more time straight ahead dear there you go into the sand oh look at that it's out of the sand okay we'll give her a four I'll give you a four dear I'll give you a four we'll call it that tell you he's gonna just take pity on me and give me a four we're gonna see how how he does he does oh he used to golf I am so I bet you he does better than me but we'll find yep oh seriously dude what I tell you 53 82 far the far is 43 so I'm 10 over you're but you beat me you're 39 over that's not good this way not tonight technically no no okay didn't think it was good morning everybody it is 10 10 a.m. Wednesday July 7th don't get excited I looked already anyway we are out walking around obviously in the park area of Leavenworth and there's this little island that's kind of in the middle of the river and we're there and I'm doing some sketching and yeah it's a good way to start the day I think I'll be back we walked around so much this morning we came back to the hotel room and about lunchtime and had a few crackers and some popcorn and just kind of collapsed it's about 4 30 right now we're gonna head back out and do a little more walking and we are going to go have an early dinner I think we've had over two my dad's in he's near Centralia Washington so we're going to go he's about three hours I think from here so we're gonna take a head to his house tomorrow morning after we check out after breakfast and visit with him for a little bit before we head home there we go yes there's a busy street down there but I mean do we even care because that's a view I don't think we care it's good morning it is 9 54 a.m. Thursday July 7th did I get that right I think so I got that right oh my god anyway we are headed out of Leavenworth and towards my dad's he lives near Olympia we're gonna stop in and visit with him drop off a few things and uh yeah before we head home it's about three hours to his house and then about two hours from there to our house so anyway more time in the car that's okay good thing we like each other all right we'll be back I would say good morning Friday where oh my god July 8th it is 12 21 p.m. we've just had a lazy morning after all the driving we did over the last three days we had a lot of fun but yeah we were exhausted the driving the walking all the activities like it was anyway I need to catch up on my sketchbook um my goal is by Monday um and um I just spent some time on the computer I said Bob checking on emails and all that jazz um the pest people are supposed to be by for an annual spray at some point today they were supposed to be by this morning but they never showed so I don't know what's going on but um and we came home to a massive amount of the many pine cones on the driveway and in the gutters our gardener was by last night and he took care of the driveway but there's a huge pile in the gutters and Bob's gonna go clean it out I'm gonna make sure he doesn't fall off a ladder and hopefully don't get hit in the head with pine cones but we'll see I'm also working on laundry so you know it's a thing all right I'll be back as we still are gonna hose out the gutters but yep that's a five gallon hardware store bucket yeah that's what happens when you live next to all these big giant trees I think I guess so anyway fun times it is kind of icky out and hot but we're gonna go for a walk anyways get a few steps in probably not too far my knees are kind of sore from all the walking we did in Leavenworth but we'll see what happens I think it's morning I guess I should look it is Saturday July 9th yeah July 9th it's 11.15 am it's still morning hey um I spent the morning checking on social media and just relaxing to be honest we need to go to the grocery store not a chore I enjoyed doing but one that's needed and we need to go to Target and pick up medication like all of that stuff so anyway we'll get that done we might go out to dinner tonight we've got some gift cards from the kids and to an Italian place near here that's actually really good so we might go do that tonight um anyway it's gonna be another warm day 81 I think but yeah um it's a good thing I have an appointment at the end of the month because the bottom rim of my glasses down here started splitting lengthwise and we were able to eat six cows in it back together last night I do have spare over the counter readers which do work but they're not as strong as these anyway I'll take these in with us when we go to the eye doctor I don't know if there's anything they can do about it but yeah anyway it's been a whole bundle of fun um anyway I'm going to go do something with my hair now that it's sort of dry and um get the list together and then I guess we'll get it done because it's not going to do itself I do want to sit this afternoon and do some more sketching in my book and um catch up on the print they print prints the pictures that I've printed for that and then I also have some ideas for what the next canvas that's on my easel is going to be um and so I need to work on that my canvas I sold has made it safely to its new home and I have a picture that I will insert here um of said canvas and um um you want to kind of start a collection so that that'll be interesting um I guess I need to get some more stuff done all right that's it for the minute I'll be back I got some overnight oats made I got some eggs boiled we got a few other like random chores done Bob's started cleaning his office it's got a little cluttered for me I might tomorrow work on my bathroom cabinet drawers because I've just been shoving shit in them and one of them's overflowing so anyway but right now we're going out to dinner because the kids got us some gift cards to a Italian place over here at our one of our malls and so we're gonna go have a good time okay so dinner is done it was delicious I purposefully only ate half and I'm bringing the other half home so we are trying not to gain on the way back but I've lost anyway we're gonna head to the kids house Jenny and Brian they live in Dundee and see about picking up a couple of scrap pieces of wood from them that they may have lying around to aid Bob in repairing our little pond fountain thing in the backyard tomorrow we're painting the asphalt yeah but that's for next week's vlog anyway it's been a fun week it's been a really fun week I can't wait to go back to Leavenworth well and seaside because I like that too we have more trips coming up I'm not gonna tell you when because you're gonna cut watch the vlogs and or be a patron to get the inside scoop for that so don't forget to like share and subscribe if you have questions comments or concerns please leave them down below relevant links are in the description too I do reply to all the comments so if you have something say something be kind to them I know I'm in that case but be kind and if you want to send me happy mail you don't have to but I do have a happy mail address that's down there too speak up all right anyway that's it for this week don't forget to um stay safe stay healthy stay creative uh be nice just be nice to each other don't be an idiot try anyway I'll try to anyway go out and do something nice for yourself because you deserve it we're gonna get going over to the kids house and I'll see you next week bye guys