This is covering the spread part of the Fandall podcast network We have got some pretty big divisional games on tap week number 14 across the NFL And I'll take a look at some of those games and outline where my numbers are seeing value across this week at Fandall sports book 4 NFL week 14 We're talking about the Jets and bills We got some lions and Viking slots will break down those and take my first look at NFL week 14 And let you know which bets I'm locking and now to open up the week And also take a look back at what went down on the show this past week This is covering the spread right here on the Fandall podcast network and number fire calm My name is Jim Sonnis. I am a senior writer and analyst for number fire calm Flying solo for today to take my first look at NFL week number 14 But a lot of good stuff coming on later on this week We've got dr. Ed Fang on tomorrow talk about the World Cup will break down what his numbers are saying about the next round We have a couple of days off in the World Cup on what beginning on Wednesday So we'll take a look at the upcoming matches. Let you know what Ed is betting there Ryan Williams back with us on Thursday talk NFL week 14 And then JJ Zach recently with us later on this week to talk some player props So fun week on tap will start things off with I think hopefully some fun bets for week 14 We'll get to those in just one second But first to get all those shows as they go live a reminder Please make sure you are subscribed to covering the spread wherever you get your podcasts because the early you listen The early you can get these bets before they move markets do move for sure or something We can't account for always when we're recording these podcasts as we are not live So I'd recommend Subscribing to get those as they go up and to make sure you're getting the best value on these numbers And also check out the Fandall YouTube page as all these shows are posted up there as well Looking to get more out of the NFL this season Well now's the perfect time to download Fandall America's number one sportsbook because new customers get a no sweat first bet up to $1,000 that's free that's back if your first bet doesn't win just download the Fandall sportsbook app It's safe secure and super easy to use then you can bet on everything from money lines to touchdown scores to over under yards Plus Fandall even lets you combine your bets for a chance at a bigger payout with a same game parlay So don't miss the chance to get your no sweat first bet up to $1,000 of free bets when you join Fandall Make every moment more with Fandall an official sports betting partner of the NFL must be 21 plus in select states first online Real money wager only refund issued is non withdrawal of free bets that expire in 14 days Restrictions applies see terms at sportsbook.fandall.com gambling problem call 1-800-GAML or was the Fandall comm slash RG in Arizona 1-800 next step or tax and acceptify 3 3 4 2 in Connecticut 1-888-789-7777 or was it ccpg.org slash chat in Indiana 1-809 with it in Kansas 1-805-2-2-4 700 It's also for Wyoming in Kansas KS gambling help calm in Louisiana 1-877-770 stop in Maryland MD gambling help dot org in New York 1-877-8 hope and wire text open Y in West Virginia 1-800 gambler dot net Let's take a now and take a look at where my numbers are seeing value across week 14 in the NFL I've got four bets. I'm gonna place early on this week and then one I'm monitoring to see if I can bet it later on one of those bets is going Against the early market another one is buying into it and the one that's buying into the market and where it's moved so far And unfortunately not getting the best number I could have gotten but I like the Lions at minus one and a half Against the Vikings my old model the traditional model which did back test better in week 13 than the the new one did That one says the Lions should be favored by about four points in this game And the reason it's so high in the Lions is because that model cares a lot about passing efficiency And the Lions have been among the most efficient passing offenses in the league even since TJ Hawkins and left this team I think the Vikings will be able to stop the run you've been very good at that But the Lions have moved the ball effectively through the air for most of the year including in their first meeting against the Vikings They were very good there, but they Collapsed on late downs that was an issue for the Lions earlier on this year But they have been very good there recently the Lions have exceeded expectations on late downs based on a matchup for six consecutive games They're now up to the 73rd percentile in late down success rates And they've taken what was a weakness in that first matchup and turned it into a strength of late for them They've got the receiver healthy DJ shark Josh Reynolds fully ramped up James Williams may be in the mix more this week The offensive line still not fully healthy But it is a bit better than it was This is the only bet I'm walking in right now where my new model disagrees with the bet that I'm placing It says it should be the Lions by about a point here But I'm in honestly I'll take the Lions at minus one and a half here Even if it's not as good of a number as I could have gotten yesterday where it was a push or minus one Even at minus one and a half I still think the Lions are a value here and I would not be shocked this one keeps on moving Even if the Lions minus one and a half is the right side to be on here the bet that's going against the where the market has moved recently is Seattle minus three and a half against the Panthers this one has moved quite a bit since yesterday I think it was five and a half at 1.6 and a half. It has rebounded a bit It slowed down with I think we've hit an inflection point where the market that tells me We're probably not gonna get to three here. So I will take this now and go Seattle minus three and a half My traditional model loves to see Hawks has in favor by 8.9 points here The newer one has it a bit more moderate at 6.4. So either way, I'm getting pretty good value here But I do understand why the market has moved this direction Sam Darnold played better against the Broncos once you adjust for a matchup than any quarterback has played for the Panthers So far this year that's encouraging and it should give some enthusiasm for this offense and Seattle's defense stakes I still think they're pretty bad. I think Carolina will be able to run the ball on them here But Seattle's offense can shred to their 12th in my offensive power rankings right now before making injury adjustments for other teams so my question here is if Seattle builds a lead which they very well could do with this offense Can Carolina claw their way back? Maybe it Darnold plays as well as he did against Denver, but I'm not gonna buy in based on a one-game sample there I think Seattle is pretty easily the better team here. Gino very good against the Rams I know that game was very close the Rams did cover but Gino played very well in that game So with the market having hit an inflection point where I think we'll probably not get three I am good get good at betting the three and a half right now and riding with Seattle here So Seattle minus three and a half to play for me in that one despite the movement in Carolina's favor If you've listened the past couple of weeks past month and a half or so You probably won't be shocked by the next bet that I've gotten that's the jets plus nine and a half against the bills my numbers have been high in the jets all year and That's had mixed results. I was on them for that Patriots game where the Patriots have the punt return touchdown. Whoops So that wasn't great. I was on them last week to against the Vikings now Obviously, they didn't they didn't win there, but I think they should have won that game They just didn't convert inside the red zone. They played pretty well. They kept her cousins in check So I'm not going to go that aggressive here I'm not taking the money line But my new model which has the bills ranked first my power rankings Says the spread should be five point nine against nine and a half right now. The other model says seven point four So even on the less aggressive model, it says the jets are undervalued by two point one points here That's without any but for Mike white I'm skeptical that white will be able to have sustained success given that he was a third stringer entry in the year We saw last year Mike white played a couple good games and then collapse actually gets the same defense But he was Okay for a couple games there as well. So I have the Offense I You know, I don't think that they'll improve with Mike white relative to what they were But the baseline is still kind of high despite the quarterback play They face a lot of really tough defense they get one here as well But no von Miller should help a bit I actually the jets lowered from their baseline a bit because of the breeze haul injury because that's hurt their their ground game So even without exceeding expectation even without bumping the jets projected passing efficiency or overall offensive efficiency I'm still showing value here, and it's possible. They do get better under Mike white My number said the jets as the best defense in football They got good personnel. So I don't mind being high in them there and now I could see the bills Blowing out the jets. I'm not sure if Mike white has it in him to concoct a huge comeback against his defense That's within the range of outcomes, but having nine and a half as the median expectation here That's richer than I'm willing to go So I will take the jets plus nine and a half here despite the fact that I respect the bills a lot My numbers respect the bills a lot. I think that again a blowout is fully possible I think the jets are under value to nine and a half the final bet I want to lock in right now in the lone money line for right now Is the Jags a plus one sixty six against the Titans? I do like the Titans. I think they're a good football team I think their defense is a bit overrated though, and it's led to a bit too much enthusiasm around them at times So far this year I think that was the case last week against the Eagles where they got that down from six and a half to four and a half I thought that was a little bit Over-enthusiastic and I think the market is over enthusiastic here as well In both of my models the traditional one and the the newer one the Jags and Titans pretty much right by each other than the power rankings and That's primarily due to the Jags offense They are a very good unit even if they didn't play like it this past week against Detroit They're in the 64th percentile or higher in early down passing early down overall efficiency and Offensive power rating for me They're not below average in any unit any mark on the offensive side of the football Tennessee's passing offense very good on early downs, but they don't trust it as much as they should they're leaning on a more inefficient rushing offense and Stopping the rush is the one thing the Jags defense can do pretty well if the Titans Realize that and decide to air it out. They're likely doing so without trail on Berks this week scary concussion this past week So I don't have Berks ruled out my model yet, but I'm assuming that he will be if I take him out I'll like the Jags even more. So I like the Jags offense overall. I think their defense Specifically matches up well with the Titans. That's enough for me to take the money line at plus 166 I've got the Jags win odds at 43 percent. That's higher than the 38 percent implied at this number My numbers also think the over here is interesting I haven't done that yet because if Berks gets ruled out that could come down And also I think there's a shot we get to 41 and a half year 42 a semi key number in the NFL So I want to get it down to 41 if I can 41 and a half. I should say I think it's down to 41 and a half. I'll pull the trigger on that so Over here in play, but definitely taking the Jags money line at plus 166 So to recap spots from my numbers see value for this week, and I'm betting it I like the Lions at minus one and a half. I like the Seahawks and minus three and a half I like the Jets plus nine and a half and then I do like the Jags money line at plus 166 against the Titans in that situation And I'm likely to add the total for the Jags Titans But want to see if I can get that to 41 and a half before doing so wind speeds around seven miles per hour right now in Nashville For Sunday some rain in the morning, but it looks like it should be gone by game time. So Likely to add especially if that total does get down to 41 and a half So that's what my numbers are seeing for this week We'll talk with Ryan Williams on Thursday about the full preview and talk with JJ about some player products But I feel pretty good about the card for this week now Should I feel good about the card is a different issue? Let's talk about Recapping last week here on the show. We'll talk about my NFL stuff in a bit Let's start things off here with some World Cup results got some World Cup results from Things discussed here on the show Ed absolutely nailed Ed Feng I should say on Twitter at the power rank He nailed the Germany Costa Rica match He was saying, you know, Germany is an over team They need goals and turns out they very much needed goals in that game And the total in that game over three and a half goals was minus 118 It finished with six goals total for two favor Germany So good read by Ed there a very chaotic group Where they had to push and they definitely did so good read by Ed good result for Ed in that one He did get close with the two group beds He mentioned before the first match of the tournament began. He liked Mexico and Poland to win the group group C They're both plus 490 bet both hoping effectively to fade Argentina and Argentina did lose their opening match But they rallied to win against both Poland and Mexico So it was a fun one had some hope there early on didn't hit but Was fun to attract that one and get some hope early on in the in the tournament We had Austin Cass on last week Friday to preview the round of 16. You can find also on Twitter at Austin Cass still is Portugal that he talked about them at plus 155 reach the semis that one is still live We'll see if they play today for their their their round of 16 matchups as that one's still out there We talked to us versus Netherlands He said that if we got confirmation that Policic would play he take the US at plus 350 to win in the first 90 minutes Well, stoppage time they lost three to one obviously You know Poland just finished. I don't know a lot about soccer So if I sound stupid here, I apologize But Poland finished on their chances the USA did not and that's difference in the match and Poland played well So about the US pressured well again, I don't know a lot I could be talking about here, but I thought they pressured well just didn't convert on their chances So you asked a lot three to one there But it was fun to have them Playing decently well throughout the tournament on the NFL side of things. I had a week of missed opportunities It was very frustrating.  They had their chances They got to Kirk Cousins. They disrupted him, but they didn't convert. So that was annoying The dolphins one they're facing a back of quarterback They had a huge play huge flukey play that can often tip the scales, but they did nothing with it So they deserve to lose but in very frustrating fashion. I had the Bucks minus three last night They went super run heavy. It was one of those bets where The second you saw their offensive game plan. I knew I was toast like they did rally to win but Seeing them come out and be run heavy on early downs in the first half it It made me want to tear up my virtual ticket. It was not an actual ticket, but like a virtual ticket there It was just super annoying. So that one was based on my newer model I'm having the new model compete with the old model kind of decide which one I want to roll with entering next year and That that came from the newer model newer model didn't back test as well as the old model this week My old spread model if I just bet every line That had two points of value there. I'd gone six and two against the spread. I opted for money lines I wound up pushing As a result of the money line opted for games where my new model showed value I swung and miss I picked poorly I did mention that there was value in the Browns minus seven quite a bit of value there I couldn't justify rooting for them myself. Hopefully you took that one. I couldn't do it personally, but Frustrating week again You know if I if I'm looking at my money line model and my spread model the traditional one We're plus cv for the year if I just you know take everything but I haven't so Hopefully that means I'll start picking better, but it's been a trend. So Frustrating you overall. I'm hoping to turn around starting this week Ryan went to and for this week. One of the losses was the Texas money line to plus 270 So, you know, obviously scaling there does matter two and three in the minus one ten bets for Ryan The wins were the Eagles at minus four and a half and the Lions plus one got a lot of movement in on the Lions game They're and they obliterated them and the Eagles were awesome. So good movement awesome results for Ryan there The losses were the dolphins in 49ers under 46 and a half the bears a plus five and a half and the cheese at minus two and a half I believe the bears one closed at four and a half It got to three and a half once Fields was full practice Thursday Then I think went back to four and a half at close. So I think you have some TLV there cheese minus two and a half The other one there. So it's still an awesome year for Ryan overall Looking forward talking to him again on Thursday to get his thoughts on the bigger games in week number 14 JJ Zachary's and it both of his yardage props and almost hit the touchdown prop For this week the artist props were Cory Davis over 35 and a half receiving yards Sake one Barclay under 71 and a half rushing yards. David's finished with 85 yards. So he blew past that one Sake one pull played a full 10 extra minutes got played overtime played to a tie He's still finished with just 63 rushing yards. So JJ at both those the touchdown prop was Joe Burrow over two and a half Passing touchdowns at plus 160 Burrow had two passing touchdowns and one on the ground So three little touchdowns, but that wasn't the best Tyler and Boyd dropped a touchdown They had that goal line stop with the attention to reverse. So JJ easily could have hit that one at plus 160 But either way nice for JJ profitably for JJ based on the two yardage props Finally, we had Tom Vecchio on at DFS underscore Tom to talk money that football I talked about the Bucks minus three already. He had Brady over 40 and a half passing attempts at minus 114 He finished with 54 passing attempts way over that one. Good call there other ones Kamara over 26 and a half receiving yards. They played Mark Ingram a lot Kind of weird that seemed like Kamara was limited and he finishes just 11 receiving yards. So under hit there Tom had Mike Evans over 16 and a half receiving yards. He finished at 59. So miss there Touch them bets or Adam Troutman at plus 480 and Chris Godwin at plus 180 Neither of those said I tried to talk Tom into Rashid Shaheed at eight to one. He played great Four targets in that game about 80 yards receiving. He was awesome. I was super impressed of them Didn't score though. So all around Rough week here on the show as far as results go It's been a rough year for me at least in the NFL our guests have done a lot better But for me for whatever reason not great results I still feel good about my numbers. They're backtesting. Well, they're best backtesting really well recently and They are better now than they were earlier on this year So I still have faith in what the numbers are saying still have faith that eventually the results will click They just haven't done that yet. I'm hoping that begins this week. So Hopefully we get some better results here in the very near future want to get some good, you know A combination a good week where we combine good closing line value with good results We haven't had that a lot this year So we'll see where things turn out, but we'll keep doing this transparency section So I can keep eating crow on the stuff So because we owe that to you to let you know when things are not going well Which has been the case of the most part this year, but again backtesting Well, we'll see if we can turn things around heading into week number 14 Still to come later on this week at thing to talk about the World Cup talking about the round of eight We'll break down. What is numbers are saying about? That round get you some hopefully some match bets there based on the out-the-fandals sportsbook That's tomorrow of Ryan Williams on Thursday JJ later on this week as well talks and player props all those you can get them by Subscribing to covering the spread wherever you get your podcast and also on the faddle you could to page We appreciate those of you for following along with us so far this year if you've got any questions for me I am on Twitter at Jim Sonnis J-i-m-s-a-n-n-e-s you can also follow the faddle podcast network at faddle podcast I want to thank you all for tuning in for today. Good luck to you with any bets you got going on for the next couple of days We'll talk to you once again Wednesday talk some more World Cup with that This has been covering the spread right here on the faddle podcast network


And now, the Mole Mystery Theater, presented by M-O-L-L-E. Mole, the heavier brushless shaving cream for tough whiskers or a tender skin. This is Jeffrey Barn, welcoming you to the Mole Mystery Theater, the program that presents the best in mystery and detective fiction. Tonight's story by Joseph Roscoe features the return of our Mystery Theater's most popular comedy character, Kenny Angle, the delightful little Broadway tout who has an angle for every situation, but always lands behind the eight ball. And Carl Eastman will again play the title role. In tonight's story, Kenny Angle's and the Queen of Diamonds, Kenny's troubles are started by a play written by a 17th century French playwright, Jean Racine. Remember that name, Jean Racine, for only Kenny Angle's could get into hot water because of the works of a man who died two and a half centuries ago. Well, Mr. Barn, some fellas get into trouble the hard way and some do it the easy way. For instance, it's a cinch to get into shaving trouble if you have tough whiskers or a tender skin. But not if you shave with Mole, the heavier brushless shaving cream, because with Mole, it's smooth, so smooth, it's slick, so slick. It's a smooth, smooth, slick, slick shave you get with M-O-L-L-E. Mole, the heavier brushless shaving cream for tough whiskers or a tender skin. And now for tonight's Mole Mystery, Kenny Angle's and the Queen of Diamonds. Such thing should happen to me. To me, Kenny Angle's. I always know in the right time a gimmick or two. So why am I always landing behind the eight ball?  It's something to laugh. They're going to chop me up by hamburger, you hear? By hamburger. A couple of days ago, everything's normal, see? Keeping my nose clean, this and that, doing the best they can with a scratch sheet. When low, I'm picked up at the racetrack, bumrushed, the police headquarters where Inspector Macy seizes me with a most amazing remark. All right. Angle yourself out of this, Kenny. Where is the Queen of Diamonds? The Queen of Diamonds. Where is she? Where is she? Who is she? You tell me. Tell me that too. Who and where is she? My goodness, such double talk. Who and where is the Queen of Sheba? Of diamonds, Kenny Angle. I'm talking about diamonds and a gang of international jewel thieves you're mixed up with, see? Me? Hey, this is like a dream. Like a crazy looking glass. Inspector, remember me? I am just a simple horse player. I don't even know what you're talking about. Oh, no. Well, I'm talking about a jewel ring that smuggled a million dollars in hot rocks out of the country in the past year. Famous heirlooms that no fence would touch with a ten-foot pole. A ring headed by a mysterious dame we long would try to lay our hands on called the Queen of Diamonds. We believe you can tell us her identity. Me? My goodness. Did this like a double feature? Who is the Queen of Diamonds, Kenny? You tell me. I can use a buck myself. No. Kenny, you were at Mindy's last night at 7 p.m.? Yeah. So what? So you just cooked your own goose. You cooperate the testimony of another weirdie I'm holding on suspicion. Cock-Eye Romanov. Cock-Eye Romanov? Yes, who confesses under oath that you accosted him at Mindy's at 7 o'clock last night and promised that for a fee you could put him next to a fortune, something real hot, whereupon you whispered into his ear the Queen of Diamonds. The Queen of Diamonds? The Queen of Diamonds. Angle your way out of that, Kenny. Holy cow. So that's what... Inspector, that was a horse running at Hylia in the third. What? A long shot. A hundred to one bet. Honest, check it. Go ahead. Get a racing form. I will, Corkscrew. Don't worry. Wait till I tell this one to Mr. Farple. Here, you better consult your shyster lawyer, because even if I see it, I won't believe it. And I still think you know more than you're willing to tell. Get it? A lot more.  What are you thinking at, Mr. Farple? Ain't that a hot one? Did you ever hear anything... Quiet, I'm thinking. Yeah, but... That's stricken dumb. But I'm absolutely in a clear, ain't I? I don't know.  Oh, sure. So there was a long shot named the Queen of Diamonds? Yeah. You think Inspector Maciel let it go with that? Smells a new ranch in trouble. So cut out my heart. What do I know about Julties? Mr. Farple, do you mean this thing's something to worry about? What am I, a crook? Quiet. Get locked, Julties. But me, it comes the hard way. Kenny, tell me before I go out of my mind. Yeah, Mr. Farple. How do you manage to get in the middle of everything? How is it nothing ever happens without you and a wood plier? How is it I stay out of jail defending a client like you? But Mr. Farple, I'm in the clear. In the clear, don't you realize the inspector is convinced you're mixed up with the Queen of Diamonds gang? So maybe they don't call you Angles for nothing. Kenny, I haven't sold your talent short, perhaps? Mr. Farple. Yeah.  He'll haunt you. Have you taken? No. If you make one false move. No, no, no. Let go of my lapels. What do you advise me to do? Take care. Develop pneumonia. No, no. Tell me, Mr. Farple, advise me. All right. Get out of my lap. Can you stay out of trouble for 24 hours? It's a crucial period. Just 24 hours, Kenny. Sure, how? Stay away from the Angles. You're known haunts. Playoff races, pool rooms, two-headed quarters. Go somewhere you can't get into trouble and phone me every hour. Go to a library, Maiden. A lot? That's it. What a brainstorm. A library. What can possibly happen to you there? Yeah. Get culture. Go to the public library. What's that book you're eating, pal? The Merchant of Venice. Good mystery? You're good. You can go nuts in here like a morgue. Say, pal, you think I can get a race in form here? Diamond. Think I can get a race? Diamond, sir. It's better in jail. I'm going to speak to that female warden. Maybe she's got one at that. Yes, sir? I'd like... Oh. Say.  Librarian? Librarian, yes. And I've been wasting my time with horses. May I help you? Ugh. What have you got in mind? Now look here. I'm busy. What do you want? Okay, okay, warden. Just point out my heart. What I want is a... Do you happen to have a race in... Racine? Huh? Yeah. A racine. Racine? Shh. Since when? Dance. Here? Shh. Dance?  I have it for you here. Huh? Racine. Oh, that racine. Take it. This book. This book? What a form. Stop flirting, dance. Hm? Get going. What? Pages 9 to 12. Pages... See, you're sure this is it? I wanted... You know, the one that calls all the plays on racine. Yes, sir. The plays of racine in one volume. Take the book and scram and don't tip it.  Get to the airport quicker. She wants me to light barrier. Right away she wants to dance. I talk about racing, she makes with racing. I ask for racing form.  So in a day's I scram. But just as I stagger out of the light barrier, I snap out of it and I ask myself, what is this? What am I, an errand boy? She wants me to deliver this where? Eh, fart is mustache.  I say just a moment, Thorpe. Dance. You too? Dance. Here in the street? What is this, a craze? Hey, wait, ain't you the merchant of Venice? The guy in the library there, I was just...  I don't think so, Adam, anyway, Al. But he knew the password, Racine. How? Find out. Hey, put down that gun! Let's have it quick, sir. I know funny business. Hand it over. Oh, my golly, what is this, a stick up? You and Roland cannot smart. Hand over that. The book book. The police. Follow the police. You three there, see we are. Hand the freeze. Don't shoot him, an innocent bystander! Anyway, let's make a break for it. Come on. It's falling through now. What's that you carrying? Huh? Am I seeing things? A book? I don't know, Princess, but there's something about it. Must be worth the fortune. What? A couple of modes were just about to bump me off for it. Are you kidding? For this book? For this book? Eh, let's see it. Hmm. The plays are Racine. Oh, horse book, huh? Yeah, right, only you call it Racine. Racine? Since when? Since that's the high-tongue way to say it. Hey, Kenny, look. Some pages stuck here. Yeah, three pages. Set a glue together, huh? From nine to twelve. Yeah, nine to... I... What's the matter? I don't know, but that thing in the library, she warned me something about it, but I... I don't remember why. Such funny things, she said, like she says, don't tip it. Don't tip it.  Very mysterious. So look, I'm tipping it. So what? Such a funny girl. Impulsive, you know? Right away she wants to start dancing. Dancing? Right down the library? Right down the library. Like the funniest influences. Yeah? Them stick-up guys. One of them I saw reading a mystery in a library. He wanted to dance, too. With the librarian? No, with me. Out in the street. Then his stooge makes with some strange remarks that I don't know how to dance at all. I'm no dancer. That's when he stick me up for this book. But then the cops come shooting, we all take on a lamb, and here I am. Hey, Kenny. You sure your head's wound up, right? I begin to wonder. Let's see that horse book again. It's white murder. Why? No, if it was diamonds, I could... I gave it here. You don't trust me? You're wrong, pal. Look, we'll both hold onto it. Okay, let's give it the once over. What's this? Well, it's a poem. It's all poems. Yeah, what's that got to do with racing? Very mysterious. Let's read one.  Rashman, where would Stal go? Beware thou, do not step beyond this spot. I don't get it. Read it the way. Rashman. Wait a minute, wait a minute. Yeah? Holy mackerel, I see it now. Yeah, yes. What did I say that strange, like very in one mirror, I get my head knocked off? Not to tip it. It's like fun. Don't give away the tip she won. Huh? Now, read this here first line again. Read it. Go on. Rashman. Stop it. Don't you see it now? See what? The angle. I'm a made man, a millionaire. Anyone would come at night if I spoke. It is on racing, but it's a secret code of surefire winners. Flinces Malloy. Little Rash is running in a sixth at San Anita today at 40 to 1. The place of bet on a horse called Little Rash. As our play resumes, Kenny is in a phone booth calling his lawyer Alexander Farfel. Oh, Mr. Farfel? This is Kenny. A mirror. Close the door, will you? Listen, Mr. Farfel, I'm in a hurry. I call to say everything's honky. See? Don't worry. I'm going to get fabulous. Oh, wait. It all happened like a dream. Put a book again, huh? Give it here. They're beautiful. Well, I just want to look at it again. Just want to look at it for free, huh? Well, I got a formula here that'll land me in close. Hey, Kenny. You wouldn't hold out on a pal. Cut me in on that book. You got ready, Cash? Uh, Finn. Okay, for five bucks, I'll tell you one page. One page? Okay. So, hey, and that gives me another angle. I got a nice, bright book here, and I need a quick title. Hey, what are you tearing more around? Blesses? Spread the word. Circulate amongst the boys and pass the news. I've been a page to one and all. From the police, I will save you. Who are you taking me? The name is Dance. Theater, P, dance. And I am taking you to the Queen of Diamonds. And now, the blindfold I shall remove from your eyes. Allow me. Where am I? What are you going to do with me? Listen, I swear, this is some terrible mistake. What would the Queen of Diamonds want with me? Who is she? So, it is off. And here she is. The Queen of Diamonds. Before you. What? That ain't possible. May I help you, sir? The librarian. I went out the blindage. I said love there, huh? Some urgent advantage. Very sleek, senor hijacker. And this guy's manual.  Oh, ma'am, what are you doing in such company? In my book, I had you down his soul. So refined.  Where is that book? Quick. Don't talk, eh, Japan? We'll fix that. Who hired you for the hijacking job? The ruffles gang? What? Good job. What gang? What are you talking about? Get out of the screen. Thank you. What's your name, little man? Kenny Angles. Kenny, I have here a lighted cigarette. Watch it. It's coming slowly towards your nose. Now talk. Where is that book? I don't know. Where is that book? I tell you, I don't know. I lost it. I forget where. It's coming closer. Don't be infatuated. I saw. Where is that book? You had it when I trailed you into that bookie joint. What did you do with that, please? Where is it? Where is it? Well, it'll come to me in a minute. Close. Don't worry.  Close.   It's right near your nose now. Hey, my nose! Don't! Tainted. There's $300,000 worth of diamonds glued together on the pages of that book. Well, he doesn't know that. So what's he holding out for? And what's he done with that book? And all those diamonds! Let's give him and the devil. No. Well, let's give us the diamonds. You scram to the other room, boys.  I'll get results. Ah, do it. I had my bet. As you say. Yes, my pet. My baby. Hmm? There, there, my little one. Shush, shush. You're in my arms, dear. It's all right. Oh, the Liberian. Yeah. Oh, keep doing what you're doing. This is a dream. This is a dream. It's no dream. Hold me tight. Yeah. Move, the Queen of Diamonds! It's a Liberian. Time to host the Queen of Diamonds. My twin sister. So what happened to your twin sister? What ever happened to twin sister? I don't know what happened. Quick, quick. I'm going to speak to you. Do you know who I really am? Wait a minute.  Right here in this room. Just now. You were tortured. Shush, Justin, that Kenny. Please believe me. My life's in danger. You must help me. Hmm? I'm pretending to play their game, see. But they want that book, Kenny, and they want it bad. The book? Hold the book. And as I lay subconscious, I heard somebody mention diamonds. Did you read pages 9 to 12? Oh, they were stuck. The diamonds are a stall. If you'd read those pages, you'd know what they're playing for. I know. No! Espionage. Hmm? They're after our military secrets. Your military secrets? What are you talking about? There's blueprints hidden in that book I gave you. Plans of our country's defenses. The book itself is from hunger. What? Racine? That ain't a book of horse tips. What? Horse tips? Of course not, darling. All along I thought it was... Those men are spies. Hmm? I'm happy I placed me here to expose them. And you must help me. Oh, gosh! Oh, I'm so scared. Hold me closer. Hmm? Do you like me better without my glasses? Hmm. This ain't happening to me, is it? You've only got a minute to kiss me. Yeah, but I did... Hmm? Hmm? Hmm? Hmm? Hmm? Hmm? Well, I wake up, she'll be gone like a mist. Then why wake up? What's your name? Elspeth. Then who's the queen of diamonds? My twin sister. Then what happened to your twin sister? Whatever happens to twin sister... Then who are you? The Ibarian. Oh, I didn't get it the first time. The mob only thinks I'm the queen of diamonds because I'm identical, see? With my sister I knew. I get you. Don't kill me when they find out. No! But I can't go away till my duty's done. Get it? Yeah! That's why I have to move fast. That's why you've got to help me. Do you want to? Well, sure, Elspeth. To save your country? Sure, but how? We've got to catch these crooks. Red-handed. Red-handed. The FBI. Now, where is it? Where is that book? You sure it ain't a horse system? Absolutely not. Then how account for little red? Must have got in by mistake somehow. Well, are you a patriot? Are you with me? Think of the fun we could have together. Well, I'm with you, Elspeth. Oh, you darling. Well, now where is it? Where is it now? Blinces. What's that? A pal. He swiped it from me at the bookie joint. Blinces Malloy. Blinces Malloy. Now, Kenny, no matter what I say or do, trust me. I trust you. All right, boys. Come on out. Yes, I know. It's up to you. And how? In just a moment, we'll bring you act three of Kenny Angles and the Queen of Diamonds. Now, a word from George Putnam. Every day, more and more people are discovering that to get real relief from the most common kind of dandruff, they must destroy the germ called Pityrosporum ovale, which many outstanding authorities say is its cause. You see, merely washing or brushing away loose dandruff has no effect whatsoever on this germ. But one thing that does work is double dandrine. Or double dandrine actually kills this germ on contact. Even in severe cases, results with double dandrine have been amazing. And the reason for double dandrine's astonishing effectiveness is a special ingredient. And active antiseptics are remarkably efficient. Many hospitals use it. In double dandrine, we call it Alzam. So stop trying to combat this dandruff with ineffective methods that actually are no better than plain water. That can't compare with double dandrine. For double dandrine destroys the cause. If you're not completely satisfied, you'll get your money back. Get double dandrine tomorrow. Lenzis, what did you do with that book you cut for me? What did you do with it? Who among these characters would you, Kenny? I have a mind. What did you do with it? The book on racing? The book on racing. I sold a hundred and twenty-two pages, and an itchy finnigan snatched it for me. Come on, Howard. She wanted to do with that book. I lost all my friends here. Turn you to truth, Kenny. I better turn it pages. Business was going like hot kicks. And crypto grimes ran out with the book. I mean, Kenny, there was only to cover and three pages left by the time I fell into my hands. Ask your friend what three pages, Kenny. Search me, sister. I can't even read. Anyhow, they was pasted together. What did you do with those three pages? Sola for a douche. To who? To a mouthpiece I know by name Alizanna Fawful. My lawyer! You sure this is where Fawful lives, Kenny? Sure else, but right here. A bit of a trap here. What else? All right, boys. Get set for some fast work. The book is ours, see? Ring the bell. To the Queen of Diamonds. You've got me, Inspector, but can you keep me? Queen of Diamonds! Come for the Diamonds Queen, but you see, I had the same idea. So I came one step ahead to welcome you with pages nine to twelve. Diamonds? Pages nine to twelve?  Hello, Angles. Hello, Inspector. I knew you'd lead us to your boss. My boss? Very clever, Queen, getting a job at the public library. Then she ain't identical.  Me? What to case a library for stolen jewels. Inspector, Inspector Macy, Mike, I hope you don't think that I had anything to... Run out of Angles, Kenny. Well, ma'am. We've rounded up the whole Queen of Diamonds gang. Take him away!  It's all your fault. After all, you advised me to go drop the library to stay out of trouble. My gosh, it shouldn't happen to a dog. Mr. Farfel, this time I'm really on the spot. They're gonna chop me up for hamburger. You're here for hamburger! Quite a lot! Oh, yeah, don't see what you can do for me, because you had the book. Inspector thought you were involved, too, and why you might sell me? Mr.  Say something!  The Mystery Theater is composed and conducted by Alexander Semmler. Kenny Angles and the Queen of Diamonds was written by Joseph Ruskall and starred Carl Eastman. Elspeth Eric and Ralph Bell were featured in tonight's performance. Any similarity between the names and characters used on this show and any actual person's living or dead is purely coincidental. Thought about it, but when you're too tired, you get depressed. Apprehensive. You have two strikes on you from the start. Now, if you're often that tired and pale besides, your doctor may find you have a borderline anemia, resulting from a ferronutritional blood deficiency. In that case, take ironized yeast tablets. They help build up your strength by building up your red blood cells. So take ironized yeast tablets to get back your energy, your enthusiasm, your healthy color. Ask for ironized yeast tablets. And now this is Dan Seymour again saying good night until next week at this same time when the Mystery Theater presents to the end of the world.


Are you the UPS man? Do you have a package for me? So apparently, if you want to see the inside of SniperWolf's house, all you have to do is dress up like the UPS man, or you could actually work for UPS, you could go get a job and then become a UPS person, but usually the UPS people don't even go inside, they just drop the package off of the outside, so that might not even work, but that's neither here nor there. SniperWolf recently posted a tour of her new LA home, which includes a heated infinity pool, an air-conditioned wine cellar, a massive master bathroom that's bigger than most people's entire apartments, and while she didn't mention an exact price of the property, according to Zillow, the median home price in the Hollywood Hills is close to $1.8 million, so I would say her place is valued at somewhere around $2 million. With over $16 million subs and $4 billion views, SniperWolf can definitely afford it though. She probably paid off part of her mortgage just by posting that house tour video. It has currently $6.5 million views, and if we're going at $2,000 views per million, then she's close to $14,000 already. So, since you've probably already seen the house tour, I thought I would give you my top 10 favorite things within her house, and we're going to analyze this thing pretty closely. The things I pick might not be what you expect, but I want to know what your favorite things about her house are in the comments down below, and if you buy a house or when you buy a house one day, what is one thing that you need to have in it? Let me know your answer in the comments down below, and I'll give you mine at the end of this video. What's going on? Good people in the comments section. I hope you're having one heck of a day. My name is Jeremy Hecht, and I'll be your host for today's video. Be sure to follow me on Instagram and subscribe to the channel for more videos like this, and without any more talking, let's jump into the top 10 list. So, at number 10, we have something that got completely glanced over by Sniper Wolf, but the chandelier behind her, as she's showing off her kitchen, looks amazing. I mean, this chandelier could have been the inspiration for the Sia song. That's how beautiful it is. This is also coming from someone who knows absolutely nothing about design or interior decorating, but like I said, this is my personal list, so I get to put on it whatever I decide. At number nine, we have Long Island, and not the place in New York. The Long Island, this one, is a kitchen in Los Angeles. Okay? This is a kitchen in Los Angeles. This is a kitchen in Los Angeles. This one is a kitchen in Los Angeles. Okay, so my accent is brutal, and I will not do that again. But anyways, having an island in your kitchen that long, you could do so many activities. You could set up like three meals at the same time on that island. Just take a look at this.  This island is ginormous, and it's great because I cook on it. You guys have seen my cooking videos here. Am I over-exaggerating on the island? Maybe, but it seems, it's cool, okay? At number eight, we have the secret door in our kitchen. Who doesn't dream of one day having a secret door inside their home? It's literally in every kid's movie. That's how you escape from the burgers who are trying to secretly plot against you. Or maybe I'm just thinking of one movie in particular. Home Alone 4. The kid had an amazing secret door. Open Sesame.  Open Bar. Open Bookshelf. Open Book Bar. Open Book Bar shelf. Open Open Book Bar thing. Open Sesame. Open Sesame. Open Sesame. And even though Sniper Wolf probably doesn't have to worry about furglars, you never know because YouTubers' houses get broken into all the time just as David Dobrik. Leah's doors open into a pantry so she can secretly grab snacks anytime she wants to. Secret door. This is my pantry. So I'll just like touch it and then come on in. This is where I keep the doggy food and my rice, and this is really messy right now, so like ignore it. For number seven, we're gonna stick with the door theme, but this time, it's not a secret door at all. I just think it's a slick door. Plus, you know, when you mention the Kardashian Jenner clan having the same door, you know, you're at least in good company. Number six is this giant comfy couch, and I'm not talking about the one from that show Big Comfy Couch. Anyone else watch that out there? You know where she would do the clock?  I never knew how she could do it. I used to try to do that all the time at home. Never worked for me, but it worked for her, so good for her. This is the comfy couch. The couch that's not messed up. This is one of the comfiest couches in the world. It's basically made of what your bed is made of. So it's like a giant bed. Who doesn't want to lay down on the couch after a long day and knock it up for hours? And that couch looks like it would be incredibly hard to get up from.  Number five is actually Leah's favorite corner of her house, but it's only my fifth favorite part. It's the plant corner. Come on in. Welcome to Leah's tea bar. So this is my little space where all the tea making happens. I have a bunch of plants here. I planted everything. So I have like all these little cactuses to remind me of Arizona. My girl recently got me into plants, taking care of them, growing them, buying them. It just makes you feel good to take care of a living breathing thing. But Sniper Wolf duped me because shortly afterwards, she let us know that most of the plants she was showing are actually fake, devastating. And that's why it's only at number five on my list. At number four, we have the ice maker. That is an impressive thing to have in your house. I mean, who doesn't love an ice cold drink on a warm summer's day? And to have ice constantly being made, now that is what you call convenience. Love this. This is an ice maker. So it just keeps constantly making ice. It's got like 20 pounds of ice in it. You trying to have a drink? You always have ice. You could even cool down your drink that's been sitting on the table for quite some time. All right, we're down to the top three. At number three, we have the blinds slash views that are behind the blinds. Honestly, I think the most underrated moment of her house tour was when she showed the view with the blinds going up. I mean, beautiful view, but getting to push a button and having the blinds go up, that's another dream of everyone's, okay? Beautiful stuff. Now we can open them and it's really cool. Just watching them go up. At the number two spot, in terms of coolest things in her house, we have her nest. And I'm not talking about a nest for birds. I'm talking about the comfy place that she gets to sit after the pool. It's my favorite place to lounge in the house. This is my nest. I live here after I get out of the pool. It's just really nice and up here. If you thought the couch looked relaxing, we'll take a look at that. Who doesn't want that? And at the number one spot, we have the Thanos gauntlet. So we had this cut out where you're supposed to put a statue vase. I don't know what we decided to put. Thanos's gauntlet, because it fits perfectly. Look at this. This is the base. It was meant to be here. It's inevitable. It was inevitable that I was going to place this at the number one spot. My absolute favorite movie villain ever. Amazing piece of memorabilia to have. And if I'm being honest, one big giant flex. So there you have it. That was my top ten things in Sniper World's house. But there were a couple of moments that I didn't enjoy as much from her house. For example, her toilet paper holder looks like it's a pain in the butt. Pun intended. So the toilet paper holder is down here. So whenever you go to the bathroom, it's like, I guess it's not that bad right now because the toilet seat is raised, but it's really awkward to like get toilet paper while you're sitting here. I mean, I've been in bathrooms like that and the amount of extra effort that goes into each wipe makes you not want to go to the bathroom there ever again. Like if it was in your house, you'd almost rather go in public, into a public washroom somewhere than have to deal with that every day. Also, Leah has a steam shower which she was super jazzed about, but I think steams are overrated. I mean, they're cool and odd, I don't know, but the sweat gets in my eye and just, it's me personally. You know, overrated to me. Do you guys like steams or is this just a me thing? This is a steam shower. So if you don't know what a steam shower is, there's a button on the wall over here. I'm going to turn it on. We're going to wait a hot sec and this whole entire room is going to fill up with hot steam.  What was your favorite part? I want to know, do you place it number one? Also, let me know in the comments down below the one thing that you would need in your house when you are older and you buy one or if you already have a house, what's your favorite part of your house? Now, mine. I know you've been waiting this whole video for me to tell you what my one item is. Well, and I was being sarcastic. I know you weren't waiting for this part, but now you're here and you're watching and you want to know, right? The tension is just so high. You can cut it with, these are scissors, but I was going to say a knife, but you can cut it with any sharp item, even a shard of glass. But anyways, I'd want in my house this thing that looks like a waterfall. You've seen these before in like coattails. It looks like a waterfall, but it's really just like a sheet of stone and then the water continuously flows over top and underneath and it just looks like this constant flow of water. I don't know, if you can put a picture to show them in the video, but you know what I'm saying. Anyways, I want one of those in my house when I'm older and I definitely, the other thing I would put is a toilet that's golden and that has a normal toilet paper rack right there that I don't have to get annoyed by. But anyways, that's enough of me, guys. Follow me on Instagram at jeremyunderscorehecht. Dream good, live better. I hope you have one hecht of a day. If nobody's told you yet today, I love you. Subscribe to this channel and let us know who else you want us to cover next. I will see you guys in a future video. I can barely breathe. I feel like I talked a lot in this video. Must be exhausting to beat my girlfriend.


This week, the DSTB soldiers are focused on some basic warrior tasks, battle drill plans. And I'm the Command Sergeant Major for the 3rd Division Sustainment Troops Battalion. So we have a base defense live fire between the 27th and 31st of March. So what we're doing this week is focusing on one, some basic warrior level and battle drill tasks. And then we're going to focus on some crawl walk instructions prior to the actual base defense live fire that's happened at the end of this month. We'll also be incorporating some C-burn, which is chemical, biological, radiological and nuclear training. We're also learning how to use radios, other small tasks that will be incorporated to the live fire society. And so anytime you get an opportunity to train, that's an opportunity for a leader to give back to a junior soldier. So no one is expected to be an expert at every task when they leave. But what we should always leave behind is a more senior leader chaining more junior leaders, junior leaders training soldiers. And then every subordinate that's below them sees what we do and they see the standard. And they too, as they grow up throughout the ranks, they can carry on that legacy as well. So it's training because it's a wartime task mission that we do, but it's also how do you continue a legacy going. And I think that's why this is important while we're out here today.


Thank you for staying with us. You're still watching the breakfast on plus TV Africa. It's time for our hot topic And this one says expedite action on Recapitalization CBN tells of banks now joining me to have a conversation is belong or Luja days a public affairs analyst. Good morning Thank you for joining us Yeah, thank you. Good morning. Nice to be on the program. Lovely. Okay, so the CBN governor Caruso had come out to talk about recapitalization on banks now If we look at history the last time we had this recapitalization was in 2005 when Charles Saludo was still the governor of CBN at the time and it moved from 2 billion to 25 billion So that's just for some precedents But now we're seeing the current governor of the CBN talking about this and saying we need to expedite action on Recapitalization, what do you think about this? And what do you think the impact on banks will be if this goes on? okay, I Like the information the background information you provide. Yeah, so we move from 2 billion to 25 billion as a minimum capital for a national license of As at the time when we moved to 25 billion that 25 billion was about 200 million dollars Today that same 25 billion It's probably about 50 billion dollars So it has gone from that 200 million that I was to about 50 million dollars. So something has happened to what used to be What were all considered as an adequate capital for a national license That value has eroded over the years by virtue of the depreciation of the Nair Yeah, so if we want the banking as a system the banking system to be able to deliver on The oh, we want to be a one trillion economy by this year and all those kind of stuff It is right about time. We consider recapitalization especially With some of the banks that we currently have You Okay, so what's what's the best way because I know that inflation has taken a toll on the economy And just like you rightly said the value of that 25 billion is not the same as it was in dollars as of today So what are the measures that could actually even help these banks for the recapitalization? because I know it's not easy to go from 2 billion to 25 billion and whatever the The rates is going to be at the moment We don't know what's going to be but how can what are the measures or policies that would actually even help these banks? You know people think because some of the economy circumstances may be The timing might not be right, but that is not true. There is so much money in this economy If any of them should come to the market They will get people who put money in there. So They could actually Approach the capital market to raise money and they will get investors who bring in money and buy the shares And they can show of the capital of those facts It's it's been a long time and this will also help even the capital market It will create a lot of buzz in the in the capital market We will just we'll just be taking back So the years of soludo when a lot of capitalization of this one up when you create that the The NGX the equity market generally will receive a lot of activities and it's good for the economy that that should happen Now there are also among these banks some of them already have very good Reserves they have the shareholders fund is already very robust All they will need to do is to restructure that shareholder area To meet whatever is the new threshold that they are desired So if you look at some shareholders fund on some of the banks, it's already I know a bank That is about 1.5 trillion error. Yeah, that's so it's not talking that kind of a bank It's not talking about 25 billion or 15 million It is already at 1.5 trillion in child that's so only require only will require for that kind of a bank Is to move things around and capitalized maybe Want to go? I want to issue Bonus shares from your reserves and all those kind of things, but it's doable and it is in the interest of Not just the banking system, but also the economy to create activities around fundraising by buy bands in the capital market So I mean you've spoken about a bank that has you know trillions But I'm sure there's some that maybe they might not be able to meet that and I remember during the time of soludo You saw a lot of Merges and acquisition happen. So is this something that might happen whereby it's going to be the top players That will be here and then some others who cannot meet up would just have to leave Well, that's an extreme situation What that soludo event did was to create a healthier environment. So today we have healthier banks than what used to be All this non-performing loan ratio is still reasonably low And most of the banks are doing very well. That is the reality of what we have right now however In an extreme case in with their banks I'm able to meet a new threshold definitely the room for matters and acquisition will always be there But in my observation of the numbers of the banks today Most of them if they come to the market, they will be able to raise fund and show up It is something that will be in the long interest Like like you rightly observed those who are already those banks that are already big and have the shareholders fund I'm might not panic, but there are smaller ones who would definitely need to raise those capital Can those capital be raised under the prevailing condition? My answer will be yes because While there might be the quality and economic hardship Generally, there is still a lot of money in the economy and when the investment Opportunities come to move to those investments. So since we're talking about raising capital What are some strategies that these banks can just you know, implore to to ensure that they meet the targets Whatever that target is going to be I think the I think the banks need to start looking At their own books Before those thresholds are set. Yes I'm beginning to reassess and take steps that will position them to be able to Approach the market for fundraising They also do not have to necessarily I mean they could do private placements You could do, you know, what is the important is that they have to start considering What options are available for them to show up their capital and begin to prepare their institution towards Approaching those options that will work that they believe will work for them. Of course, the capital market is always there You want to come to it? You can come to capital if you don't want to do that want to do something in the private placement space You can also do that. What is important is to be able to raise So I expect that most of them are already looking at what they're going to do because it appears Mr. Cadoso is very serious about recapitalization Banks So I like to know what can be what can pose as a challenge, you know for this especially when a threshold is being set More can pose as a threat as a challenge for these banks And how would it even affect, you know, the the the banks with their customers as well because I mean if this happened for instance during the time of Soludo you were hearing people saying some banks fold it up and their monies were stuck So how would these even affect the customers in this case? They will not it's it's not something that will have any negative effect on the customers As I said to her What is it's a different story when banks liquidate from when banks merge Most of all we had during the soludo exercise when mergers and acquisitions on bigger banks swallowed up the smaller ones to become you know To meet the threshold that was set In in the course of that depositors monies were safe In this particular instance too the threat there are no threats to depositors Rather what we will have Would be banks that have more capital to deploy banks with better capacity to On the expectation of this economy As according to the trajectory that the government is is looking at and and what the primary sector is also looking at We must be able to fund the economy and You know Looking outside there waiting on international banks to come and do this and do that for us It's not a it's not a sustainable Approach to funding an economy because they will choose and pick what they want to fund But when we have our own banks with internal capacity to provide us funding Then we will be the one choosing and picking what we want to for example You might have a lot of international bank who are saying I don't want to do a land gas because I think fossil fuel are going out of boat But if our own banks Internally have the capacity then the problem will fund those projects I would have to be waiting On on international people because we do not have the capacity So it's it's a capacity enhancing thing. It is positive and it is doable Okay, so how do you foresee the um competitive landscape, you know within the banking sector, especially when there's whole Recap capitalization mandate is you know being given. What's going to be the competitive landscape for all of the banks? Well, um, even as we are we have the banks that you call the uh tier one bank Everything is You know, you you know where you belong tier one tier two guys, even tier three There are also some banks that are living on the fringes. I deliberately would not mention it Baby is an opportunity for those banks to recapitalize or get absorbed Into the bigger one and you know Size or scale is always uh an advantage and people the big banks will throw their weight around When it comes to uh capacity, but you cannot you will also within that same industry Have smaller banks who are more nimble Uh, they are not they are they don't have the the huge capacity of those large banks But they have chosen certain niche Market and their nimble their approval process is easier their Processes are simpler and they are able to do things faster than some of the behemoths so People will pick and choose their niche Based on your or your on your computer's and your capacity and deploy so the competitive landscape, of course We change because you have the domineering big tier one banks who are always there for them There will always be room for the mid tier And then the smaller players to do what they know how to do you can choose the market where you Focus and I'm able to uh make money as a bank Okay, so in choosing those markets, um knowing where wherever you are whether you're in the tier one tier two tier three um For the implementation the successful implementation of this especially when the threshold is set What role does regulatory bodies have to play in this to ensure that Everything is by the books and how it's supposed to be Well, um, we've been here before. Um, there is institutional memory of how we have done it in the past So the regulators of course typically Uh, um might start with moral situation in which we're they're not even setting Targets they're not saying this is the minimum this and this is the target date when this must happen So they're just saying look you guys need to do this and they expect that um the institutions within the system Will begin to move along the line of this moral situation The next step of course is to say, okay We're not getting enough traction from just encouraging you to do this recapitalization Therefore, we are setting thresholds and we are setting target date within which this must happen So once that is rolled out, uh, then activity gets in top gear Um, nobody want to be found on the other side of the regulator And that is when we begin to see banks moves actively will begin to see Some of them come into the capital market Or while we are still at that position where these Targets and dates and threshold have not been set It is the right time for the bank to start their own internal preparation Look at your books.  For for fund are you coming to the capital market? Um, so those those are the kind of things that will start to happen to prepare the ground While the moral situation Uh, uh, still range supreme but over time it will move beyond moral situation There will be a legislative prescription exact material prescription as to date as to Minimum capital and and all those things and that that would be where we begin to see their activities All right, so um The cb and gov know yemi kare so, you know spoke about servicing the one trillion You know economy and i'm sure that's the reason why he has spoken about expediting Excuse me expediting action on the recapitalization But in your opinion, um, what long-term benefits like potential long-term benefits? Do you think um, this would have especially with our economy? Infrastructure is one, um The the financial system must be able to finance our own infrastructure At least be a significant contributor to the financing of our infrastructure So you you look at what we have done in the past Using other people's fund what bank ifc? China exene All those foreign fund the same look yes foreign fund is good Uh, they could be much cheaper than what we are we have enough But that we also need our domestic banks to develop that capacity to contribute a lot more To infrastructure financing infrastructure development in this economy. That is one area where we will benefit tremendously Uh, then when you talk of industrialization Um mega industries require a lot of money and anywhere you look at those kind of financing Uh, you might pick say dangote refinery. That is a huge huge project Now the capacity to finance more of such project if there are to be Project of the quantum of dangote refinery if ten of them were to come on board today Are we going to be able to put together the funding? Those are the kind of questions that we must be asking and those are the kind of answers that they Enhanced capacity of the banking system will be able to provide answers to All right So I guess in your own opinion, this is a good idea The banks need to start to look into their books and you know, just get ready for the recapitalization I think it's a fantastic idea Let's let's start preparing the market is waiting where you want to raise fund come to the market capital market Generate those on the capital market. It is also very good for the economy. I just bring money to the capital market there's a lot of activities going on there and then There's a trickle down effect of those activities on the economy. In fact, it will even Be a bit of interest to foreign investors portfolio investors who will bring the money Because of that buzz that is being created on the on the capital in the capital market Exactly what I wanted to ask because my question next was going to be would foreign investors be able to come into Our country. I know the president has been moving around looking for foreign investors coming to Nigeria But would this actually pose as a good opportunity for them to come in and then also for the common man We know if inflation is that all-time high. Does this also affect that? Would that's you know help the economy whereby inflation is going to be reduced? Okay, um, it's it's it's a bit complex. But then um, what we have seen for example with the prevailing Monetary policies is how it has affected the dollar Someone was offering dollar to me yesterday at 1380 I um, I was told that it's traded below that In some of the markets yesterday in Nigeria when I think about the fact that that same dollar was 1900 at some point A few weeks ago. Um, it shows we are moving We are we are taking certain right steps in the right direction Now the the lagging effect of those actions will start to come in Over over the next few months you see when The manufacturers for example even importers Are making new orders They're going to be now be making it under a much reduced FX FX exchange rate And that would dovetail into reduced prices and reduced inflation What I however do not want us to lose sight of is that the problem is not just about monetary policy We would like to see this being complimented on the fiscal side of things if we're going to deal sustainably With the issue of inflation in this country the monetary policy will do its part Well, you have to be complimented by actions Interventions from the fiscal side of things. Hopefully these two side of things work together and we can begin to feel the impact On the political area by the common man Well, that's the prayer. We hope that the common man can also Benefit from this. I mean it's a good idea If it's such a fantastic idea like you've said that hopefully trickles down and everybody is happy at the end of the day We want to say thank you for coming.  Thank you so much Yeah, thanks for having me. Have a wonderful day. You too Right, I've been speaking with Bolao Lodgede. He's a public affairs analyst and we've been talking on the topic Where the CBN has well told banks that they need to expedite action on a recapitalization We'll go on a short break and when we return we'll be looking at our next hot topic. Please stay with us


Guitar and Excel Open Chords C Major Scale G Major Chord Worksheet Get ready because it's time for our guitar skills too! Excel! Here we are in Excel! If you don't have access to this workbook that's okay because we basically built this from a blank worksheet but we started in a prior presentation so if you want to build this from a blank worksheet you may want to begin back there However, you don't necessarily need access to this workbook if looking at this from a music theory standpoint because we will simply use it as a tool to map out the fretboard, give us the scale and chords that we're focused in on If you do have access to this workbook though there's currently four tabs down below Three example tabs and one OG tab The OG tab representing the original worksheet we put together in a prior section It now acting as our starting point showing the entire fretboard giving us the entire musical alphabet in both letters and absolute numbers showing the worksheet and the key allowing us to then change between scales giving us our worksheet for the scales and chords that are constructed from it on the right Now in prior presentations we've been focusing in on the C Major Scale and looking at the chords in the C Major Scale and we started with of course the chord of C which is in this first example tab We hid all of the fretboard except for the open position which I'm defining as the first three frets We mapped out the key of C showing the one in green, the three in red and the five in yellow We talked about the fingering, we talked about the positions We talked about it on top of the pentatonic scale, it on top of the major scale and so on We then moved to the four chord in the key of C remembering that we're still in the key of C We're mapping everything out in the key of C but this time building the four chord which happens to be an F major chord We then constructed that in open position remembering that in one sense it is an open chord because it's being played in the first three frets but in another sense it's a bar chord but we constructed it here, we talked about it in relation to the pentatonic scale for the C Major Scale because we constructed it from the C Major Scale and we're mapping it out in accordance with the C Major Scale We then looked at it in alignment to the C Major Scale for the pentatonic This was the pentatonic and this is the full C Major Scale And now we're going to do a similar kind of process for the chord of a G Major So now this is what we're going to do, this time we're going to copy over the OG tab and construct this one Now we moved this time to the fifth Remember that we skipped the second and the third, we will go back to them Why are we going to the fifth? Same reason as why we went to the fourth instead of going to the second note first and that's because the one four five as you can see by the lettering here in uppercase in Greek letters or numbers are the major scale constructions So when we construct from a major scale, C Major, when we build off of the one four five we end up with a major chord and those will be related to each other so it's useful to think about them together So then we'll map out the shape, we'll map out the shape on top of the pentatonic scale Again the pentatonic scale in the key of C Major and then we'll map out the full C Major Scale and our shape within it will put the two together and then we'll contrast that to if we were going to construct this in the key of or then we'll take a look at the shape and how it could be movable and then we will contrast what we have done to us constructing the G Major shape or chord if it was the one chord and a scale of G Major instead of the scale of C Major So we'll talk about all that as we go forward This time we're just going to construct the worksheet So I'm going to go to the OG tab, here's our OG tab I'm just going to copy it over hold down control, left click on the OG and then drag it to the right and then I'm going to double click on it down here and call this, I'm going to call it blank G and then I'm going to right click down here and make it white so the one we're working on will be white Alright and then in our key up top I'm going to change it to the key of C again Now note, you might think I should have it on an 11, the key of G because we're focused on the G chord but we're not constructing the G chord from the G Major scale we're constructing it from the C scale and we're mapping out the C scale So I still want it in the key of C we're still in the C Major scale but we're going to look at the 4 chord I'm sorry the 5 chord which is going to be the G Alright, now that we have that I'm going to hold down control and scroll down a little and I'm just going to, let's first get rid of this conditional formatting I don't need that yet because we'll do our own formatting Home tab, style, dropping it down, clearing the rules and then I'll copy from 1 down to 25 so I'm just copying it down to the end of this worksheet I'm going to copy that over, paste it on top of all the ones below it because the ones below it were mapped out to show the modes I don't want the modes, I just want to redo the same thing over and over again, focusing in on the key of C over and over but from different angles so we'll just paste this on down, paste it on down, paste it on down paste it on down Okay, so now we have our framework I'm going to now look, I don't want to look at it in terms of numbers so I'm going to hide from 1 to 12 right click and hide all that stuff so now I can just see my fret board with the letters and the numbers on it and then I'll make this small and I'll say, okay, now let's hide from open position 1 to 3 frets and get rid of all the other frets so they don't confuse us at least at first and then hide and then there's our process and check it out, let's zoom in and check it out we're going in with the zoom and out with the checking so we'll zoom in and then check it out alright, so we're going to say this is going to be the 5 right there and then, okay and then let's go to the shape fill and say it's a yellow fill okay, so first what we'll do is we'll just map out this shape now just a quick note, once again we're building a G major chord I know it's a G major chord because when I constructed it, even though I constructed it from the C major scale I constructed it from here and just picked every other note which is a B and then a D and I know because I constructed it from the 5th position of a C major scale it will construct an interval that corresponds to a major chord instead of a minor in other words, the 3rd is 4 notes away as opposed to the 2 and the 3 which will be minor chords which will 3rd will be 3 notes away if I was to compare it to the G over here in the OG tab if I constructed this using an 11 a G then you can see that when I think about the notes in the chord I think about the 1, 3, 5 if it was the 1 chord, 1, 3, 5 of the key of G would be G, B, D or G here, B, D those are the same notes we got over here G, B, D but we constructed them starting from the 5th note of the key of C okay, we'll talk more about that later but I just want to point that out now here because we're focusing in you want to keep in mind that we're always focusing in on all the notes that are in and constructed from the key of C even though we're on a G major chord okay, enough, enough let's go to the home tab let's go to conditional formatting and say this is going to be equal to a G and I'm going to make that green that's our home key, that's our tonic that's our root note and we're going to hit the dropdown again and say the next one is going to be a B that's the major 3rd, 4 note away major 3rd, let's make it red it's red, possibly you can think of it because of the differential or key factor between a major and a minor so that's going to be your 3rd is the important one is it a major 3rd or minor 3rd is it 3 notes away or is it 4 notes away and then I'm going to say this is going to be our yellow 5th and it's going to be the same either way, the 5th just goes along with whatever if it's the major or minor it's like whatever I'm cool with either one so there we have it, so this is our standard shape this is a classic open G shape, big full chord having all 6 strings we'll talk about different ways you can finger it there's arguments as to what's the best fingering way to do it and you can see that we could build it with just these 3 notes which is useful to be able to see because that's a classic formatting of a major formatting which is of course movable, you can see it's kind of related to an A kind of position over here which we'll see when we get to a caged system because this kind of looks like an A kind of position here although they're all in the open thing that's what you would finger in an A but you would be doing it over here right and then these 2 you have the choice of should I finger one or both of those and how should I do that we'll talk more about that later but that's your classic G open position shape alright let's scroll down and now lay that on top of the pentatonic position so let's think about that I'm going to hide the numbered ones again going from here to here I don't want the numbered ones right click and hide those and so then I'm going to hold control and scroll back out again so this time you'll recall that if I'm looking at the key of C the pentatonic scale is 5 notes out of the 7 and they are the 1 2 3 5 and 6 and I'm going to make those home tab font group green now remember that I'm looking at the pentatonic scale this time in the key of C because that's what we constructed the G chord from you could think about switching entirely to the G chord and we'll take a look about what that would look like later that's your choice when you're moving from the 1 chord to the 5 chord like if you're noodling around within the 5 chord you could pick up notes that are outside the C scale but in the G scale making it sound more G-ish or you can add notes and noodle around with it adding notes that are in the C scale making it sound more in alignment with the key that you're in which is the key of C or you can try to make it the tonic where you're making it the tonic even though you're playing the C notes which means you're going to be playing in a different mode about that later let's go ahead and grab these I'm going to add the pentatonic scale first remember it's the C pentatonic scale not the G pentatonic scale home tab let's say equals and let's pick up the C and I'm going to make these green so pentatonic green and then I'm going to say boom this is going to be equal to a D and I'm going to make that green that's going to be green boom and then we're going to say this is going to be equal to an E we're going to make that green boom boom boom and then this is going to be equal to the G I'm going to make that green boom boom not that green wrong green this is going to be G I will make it that green but later I subconsciously went forward I'm getting ahead of myself I put the cart before the horse which I still think the horse should be able to push the cart with this big head with this giant head up the hill that might be a better I feel like that it might even be a better way to put the cart in front of the horse and tell it to push the cart with its head anyways this is this is the shape then that this is the shape that we've seen in the past and now this is the C major pentatonic now I'm going to put the G chord on top of it that we constructed from the C now note that these three notes are in the C major chord because we constructed it from C major but they're not necessarily all in the C pentatonic meaning this B in particular is not I can see it right there right I can see that clearly that is not in the pentatonic so when I if I was to kind of noodle around with this thing then I would have to note that the B here when I go if I was just doing the pentatonic is not in here there's the other one I was like where's the other one right there and see that okay in any case so let's go ahead and select these and then I'll add these on top of it so I'm going to say this is our scale that we're working it on this is going to be this one this I'm going to make the other green this is where I put up the other green now so now it's that green hopefully that's not too confusing and then I'm going to say this is going to be the this one is red red and then this one is going to be the yellow the yellow as has been our formatting and then I'll just conditional format this here green this is the red one and this is the yellow so so now you could see the pentatonic scale and then adding that B note to get the G fitting on top of it so now let's do the same thing but with the whole C major scale well hold on I need to delete the numbered ones we don't want the numbered ones I'm going to go from here to here I'll hide this worksheet right click and hide and then I'm going to go up top okay here we go let's do it again but this time with the whole scale in open position of the C major scale and then we'll put our five note on top of it so I'll select the whole thing I'm going to say alright let's do this this time I'm going to build the C major scale that and this is the scale that we constructed this chord from so all of the notes in the chord have to fit within this scale for sure right so we got the C and then we're going to say this is going to be blue I'm just going to make them all blue this time and then I'll put the chord on top of it so I'll make the D that's going to be blue blue and then I'm going to say okay and then like the E is going to be blue blue this is not the blue note by the way in the blue scale just want to differentiate to that I would like to get to the blues stuff later because it really it's actually quite confusing people try to say the blues thing is easier but if you try to figure out what they're actually doing it's like what in the world how does that work so it's a little it's definitely not easy but here we go and then we're going to say this is this one and this is going to be equal to this one this one alright so there's our our scale so you can start to see that if you want to play just the scales right and this is the C major open position scale I would call it scale position number four but some people will use that C as like the root to kind of name the scale around that position so then I'm going to put on top of that then the C or the G chord that we constructed in here so I'm going to say this is going to be the G let's put that as the green and then that's our the root or the tonic here's the red for the third and here's the D and that's going to be the yellow so there we have it and then I'll conditional format this over here just to finish this out and we'll look more deeply at this later but let's just set up our worksheet and prep this is the prep work you get to see the behind the scenes prep work for the next one alright so there we have it now next just to completely confuse ourselves let's scroll back a bit and say what if I put those three together and I try to I try to put the pentatonic on top and then so let's hide these first before we start talking about that cart before the horse cart before the horse okay okay here we go we're going to say then let's now this time we'll we'll construct the pentatonic and then we'll put the the other so I'm going to say the pentatonic are these three notes or five notes five notes penta pentatonic alright so then we're going to construct on I'm going to try to build everything on top of each other so let's say the foundation is once again the C the C major and then I'll put the pentatonic on top of it so you can see how the pentatonic fits in the C major and then I'll put the chord on top of that so I'm going to say alright let's do the same thing we did last time this equals the C let's make them all blue first blue boom boom let's copy this thing down here because I'm focused on that'll tell me where my focal point is on the five chord alright let's do that again so we'll just first put just build our C major in open position again there's the D I'll make that blue make it blue my brown eyes brown eyes are blue I don't know I'm getting tired here let's make that blue and then we're going to say this one is going to be blue and boom boom and then this one did I have a G yet no let's make that blue boom boom boom and then we'll make this one A blue and then boom boom boom and then uno vase moss one more time por favor please okay so there's our there's our major scale again and so now I'm going to put on top of it the pentatonic scale so we can see how that fits in remember we're in the key of C not the key of G even though we're then put the G chord on top of it which we constructed from the key of C so now I'm going to say this is going to be the pentatonic is going to replace some of the blue ones let's make that one green boom boom and then let's make this one this one the the D is a pentatonic type undo though because it shouldn't be red it should be green pentatonic green D boom boom boom and then we'll say this is going to be this one's in the pentatonic so we'll say okay now the four is not in the pentatonic as we saw last time when we looked at the F chord so we skipped that one but this one is in the pentatonic and so we'll say Dune the pentatonic is the cool club with all the cool notes are in it and they just leave out the four and the seven because they're just main they're main like that they're like high schoolers or something and so there we go so now you've got the pentatonic and yeah that looks right and then when I put this one on top remember that this note is in the chord but it's not in the pentatonic although it is in the major because we constructed this chord not from the G major scale in that case the chord would be inside both the pentatonic and the major but in this case we constructed it from the C so let's just keep that in mind as now I put this one on top and I go okay this is going to be this one that's going to be a G let's make it green and then boom and then this one is going to be that one is red and then boom this one is the D and it's going to be yellow yeah that's how we do it and then boom so now I can let's format that over here so it looks kind of chaotic once constructed but hopefully the construction of it maybe did something useful for understanding purposes alright so next let's do another one down here this time I'd like to see it as though we're going to map out the relative position shapes so let's just see this again I'm going to go okay let's hide from here to here and then right click and hide and so and then now what I'm going to do what I'm going to do is going to be let's see some more of the fret board so I'm going to open up the fret board I'm going to go from D to AK right click and unhide and then I want to see the fret board out to like the 13th fret so it starts over at 12 but I'm going to go out to 13 and then I'm going to hide over here right click and hide okay so now what I'd like to do is think about if I'm starting on the 5 right here and then and then I try to move that shape because that shape is movable right and I can move it up to the other to the other ones that are that are major so that would be the 1 and that would be the 4 so let's do that and just think about what that would look like I want to put this on top oh man okay so now I could say okay if I was in positions 1 through 3 then I could say that would be our normal G shape there's our G shape I can say let's go do this again insert this one is a G I'm going to make it green okay and then this one is a B it's red and then this one is going to be a D and it's going to be yellow okay and then I can't really move back to the 4 because it's a nut right I can't go backwards so if I go up around the horn going around the horn to the 1 then now I'm back to a C so you'd think I can move this up until I get to a C I'm looking at this G right here and I'm going to move it up until I see a C on that string there's a C so I'm going to say alright what if I move that position up right here then I can play the same shape or let's first make these colorful I need to have these nicely colored so let's do that first okay so then so now if I move it up to here I can say okay so then if I move this shape up I should be able to play the relative 1 position with that same shape right which are going to be these 3 notes so I'm going to say okay insert and that's going to be the C is going to be the green and then the this is equal to the E which is red and this is equal to the G which is going to be yellow so there we have it now note you have the same shape here but now instead of playing a G you would be playing a C now a lot of people will say well you can't really do that because I can't play an open G up here it's going to be difficult to play but you don't have to play all 6 strings right you could just play these strings right here and you'd be playing the same shape you could just play these 3 strings we'll talk about that later this is kind of like an A shape because the A and the G are next to each other when we talk about the cage system we'll talk about that later but you could play some combination down here these are on the same string but you could do some combination so that's useful to note and then if I was up here at the 1 I can move that up to the 4 so I could move it up to the 4 if I was here so I'm looking at the 4 starts as an F so this C when I go to an F there's an F so I thought I'd move that same shape right there then maybe I should have this aww come on come on I want to include the frets in my analysis okay alright alright alright so then we can do these ones so we can move it up here now this is going past the 12th fret so we start to start over on the 13 but then it just starts over right so we can do that if we want to so we're going to say okay this is going to be equal to the F is green and then boom then the next one is going to be an A and it's red and then the next one is going to be a C and it is yellow like old yellow the dog that died in that sad movie that they made me watch in grade school why do you do that why are you forcing me to watch the dog I had another one like where they made the dog died too sad dog dying movies when they tortured you in grade school anyways whatever this is going to be an F this is going to be the A is red the A here is red and then the C is there so you can see you can move that shape up and when you we'll talk more about that later because you could still think of the C as the tonic you could move from C to G and then move the G up to the 8th position so that you're basically playing another C there's another way to play the C and then you can move it up to the F or you can start to think of the 5th as the tonic even though you're playing all the notes in the key of C and you can play these positions and then you would basically be playing in a different mode we'll talk more about that later but you can practice moving this shape around if you wanted to we'll talk more about how to do that in future presentations we're focused on the first three frets right now but just want to introduce that idea and we'll talk more about it in the next couple of ones now the next one I wanted to do is to just say well what if I changed the key so let's hide some cells first let's hide some cells and then we'll talk about that another extremely interesting topic and important to everyone so let's go ahead and hide these and then I'm going to unhide the key up top so I'm going to go from N to AK oh man I missed it N to AK right click and unhide and then I'm going to go into my key and say well what if by contrast I constructed all the stuff in the key of G so I'm going to change my key to an 11 which now shows me my worksheet now not in the key of C but in the key of G what if we did that then alright let's check it out so then I can go back up top and let's hide from the O 13th fret to our worksheet on the right right click and hide and then I'm going to hide the numbered ones up top so I'm going to go from the here 128 down to here don't need that right click and hide okay so now let's build this as though we're looking in the key of G now so now the G is the one so I'll say copy paste the G the G is now the one and if I just if I plot it out as the one it's going to be the same it's just that now we constructed it from the one and picked every other note 1 3 5 1 3 5 and of course we get the same intervals so it's the same chord so we're going to say alright let's do that let's say but first before I plot that it'll look the same let's plot the whole major scale here this time in the key of G instead of the key of C so the notes around it will differ now because now I'm playing it because now I'm constructing it from the key of G not all the notes in the key of G are the same as the key of C but the three notes that we're building the chord from the G major chord are in both the key of G and C okay so let's do this let's select the whole thing and go to the home tab drop down this is going to be equal to I'll just make a G and I'm going to make this custom color custom color I don't like the colors that you have provided I would like a color that is not on the menu okay I hate to be picky but what you're giving on the menu is for the common folk and I happen to be special so I would like something that is not that is custom custom to my particular and more sophisticated needs excel and so I'm just going to make all of these blue and then we're going to say this is going to be here and we'll make this one blue and boom and then this one is going to be here and let's make this one blue and okay and uno base mass custom blue boom so we have different shapes that we'll see when we'll do the comparison I'll show them later when we get into the future presentations but we're still folk if we focused on this first three frets we'll still see that although the shape is different than the shape we saw before if I compare this shape for example to this shape it's not the same shape it has similar notes, some notes in common but not all of them but some of the notes in common will of course be these three notes so let's do that let's select this whole thing and then say conditional formatting put the three notes on top of it the G now constructing from the one position is green and then the B is red and the D is yellow just like old D was old yellow old yellow alright and then it could be a young yellow too that also sounds good I had a young yellow but then the young yellow got old I used to call him young yellow young yellow but then he got old and I had to change his name to old yellow old yellow so now that's going to be our starting point so now we'll talk about this more in future presentations thinking about how we can map this out and looking at the relative positions for these items