Alright, is this on there? Alive? Now you're gonna have to give this a second to live. Instead of live, let me know. I'm checking my computer right now. Yeah, you're on the line. It is? Oh, there's me. There's me. Alright, I guess it's on your screen? People ask that. Hey, check your video. I was on the line. We just had this. How'd you find that? Click. It's got one of the back screens probably. Boom. Where do people comment? As well. Where do people comment? Yeah, there's viewers now. You got two viewers. And does it come up like right there? Yeah, they come up right there. What I'll do is I'll go on my other YouTube channel. I'll read all the comments. Not live. Maybe we're... Oh, there's three now. Hey, comment if you can see us right now. What I'll do is I'll go on here. I'll go on here. Welcome to the best old live. Alright, I got the video. I'll text you. Hey, if you're watching right now, comment. I'm gonna Google this to me and I'm gonna figure it out. Check it out. Yeah, someone's on. Hey, mute that for a second. I can see you. I can see you. The back is totally different. I'm gonna throw it on Instagram real quick. Did you get that link? Throw it in your bio and make it first real quick. Alright, let's see what we can do. Yeah. I'll put this. See, we can get some people. It's usually instant, but this is confusing. I get to see 90 watching, but then I'll give them my real time. Once they're posted, it'd be like 1,000 to 200. Really? It's just not accurate. If you're in the chat right now, comment. If you are seeing us, they're coming. They're coming. Where are you seeing the comments right there? No, I mean on Instagram there. So can you say yes? If you guys are watching live, comment. We're having a little bit of difficulties when you didn't know. When you didn't know. Keep commenting. Hey. Someone's on. Hey. Hey, what's up, man? Hey, Blake. Oh, yeah, I know, man. You just sent me comments, Dad. What's up, buddy? I mean, there's five lights. Yeah, it's not notifying anyone. It's being like really slow. Hey, don't say good. Like if you go, um... Spencer, their new name. Like that kid. Hey, what was it? Bass holes live. Were we teaching you how to wiggle everyone? What's up, Bass Assassin? Yeah, people are hopping on. Some kids said, what's up, Andrew?  I feel like we should do what you do. I don't sit in the same room. I think we should do mine tonight, and then we'll do one on yours to open the audience and see what we can do. I can throw you on. No, what I'm saying is, you know how you normally just do it? I think you should sit in his lap and then say, welcome to class. At least we don't doubt his... Blair, baby, what's up, brother? What's up, Travis?  That's what I'm saying. It would make sense, wouldn't it? Dude, I'm telling you. People are saying we're watching. All right, so he just got here. Tell him your journey, because I know you're at 11 o'clock. Pointless. Anyway, I'm just going to talk. No, whoa, oh, you turn the camera. Yeah, it's basically... See, why isn't Todd going back and forth? Dude, dude... Hey, listen, why don't you leave both computers on so it's on both of your channels? Yeah, you know it, Brandon Tate.  Yeah, you know who he is, isn't it? I think that's the right one. Remember that? Where did we see that? It was like a bait company called The Master Baters. All they can see you is you right now on your screen. That's what I'm saying. Unless I toggle back, there's 18 mics, so there's people on here. Dude, all right, I think we should do it. The old school... We can't figure out how to get it online, though. That's a problem. See, yours is just on Google. You can honestly just leave. Yeah, it's not like I'm ending this. That's what I'm saying. Because yours is on Google Hangout, and you have nobody on Google Hangout. Exactly. So now we're just going to like... We're just going to show it next to each other now. We're just laughing. Let's get the angle we're at. I don't know if it's good. It's such a delay. It's just like... All right, so tell me about your journey. I know you had like an 11-hour drive. Yeah, so we left at like 7 this morning and got here at like 6.30. Yeah. No, we're doing... It's Google, but it's live, right? Is it the same YouTube live you did last night? Yes, same thing we've been doing the past couple of months. Of course, and you can play it back and you can share it, right? Yes, I can play it back and you can share it. Yeah, but anyways, yeah, so it was an 11-hour drive. Just got here. His head is just right there. And yeah, so I got in, we got food, went to Walmart and now I'm here and Noah's hotel room talking to you folks. So comment questions. Comment questions. Let's get some questions going on. Currently drinking a wine monster. You're the man, Cody. Hey, Flare, are you the bomb? Sup, Anderson? Hey, what up, Drew? Two favorite YouTubers on live stream. Hey, that's what's up. Ethan hiding in the background. Hey, someone knows you. We're just trying to get this figured out. We're on my computer right now. Andrew's computer is right here. What we're going to try to do tomorrow is we're going to get it where he's live streaming on his. I'm live streaming online, so to be kind of like a double kill there. But we're trying to figure it out. So we're not going to be on. He has to go get his polls ready. We're just going to talk for about 20, 25 minutes. Answer some questions for you guys. And then tomorrow we're going to have the legit live stream live chat. So it's going to be pretty sick. So go ahead and post some... Read that last comment. What's it say? Can we kick people out? Can we ban Tristan? He just said we got two Justin Bieber's now. Yeah! This kid. Yeah! Let's go, kid, what's up? This kid. Tristan, come on now. Come on now. What are you vlogging? No, I can. Now I'm vlogging. We're vlogging the live stream, but it's delayed. This is delayed for a minute. Vlogging. Vlog meets live stream. My vlog meets Andrew's vlog. Camera war. Live stream. Vlogging. Post questions below. This is my reaction. This place is delayed. Yeah, we already made an Instagram post. I was checking my Instagram. See how many likes it's got. Six minutes, 77 likes. Just a video suggestion. I think it would be cool if you guys read something other than bass fishing or fly fishing or cat fishing. Probably not, dude. I'll be honest with you. Fly fishing. I'm mostly bass fish. I do cat fishing. Some girls call us cute. That's pretty neat. Bring your friends back. Words just come up. No, there's a couple girls watching. You can look that way. Ooh, Heather. I'm watching. We're pulling. We're pulling right now. Heather's watching. We're pulling on the live stream. Someone from my school, some girl came on last night. Oh, yeah? Somehow and was like, no, you have a big YouTube. I was like, this is embarrassing. What's up, bass assassin, Gavin? Hey, Gavin, by the way, you sent me a DM. My DM on Instagram is completely jacked up. So if you guys are trying to send me DMs, I cannot get them. It's just something. Andrew, what's your insta? Fishing underscore with underscore flare. They'll find it. Andrew was cool.  Yeah, we would. Blown so many cameras. See what we're going to do is like, once he gets home and everything gets settled in, because I know this is going to be a long trip. We're going to start. We're going to try to do these because we're so far. We're only like 15 hours away from each other. So we'll try to do some live chats and stuff. Both some questions.  Two biggest YouTubers in the same room. I need to see some comments. Andrew, you should make another paddle fishing video. Dude. March. Dude, I don't care.  You guys can not talk to me. Because paddle fishing is fun. You know what? I commented. I commented. Is it like Spoonville? Like those big fish. You need to watch one of those videos. Yeah. You have to watch one of my videos this week. I'm really sure. I'll be spanking. Yo, Noah, I texted you about a week ago. I don't know if you've got a lot of random texts, but I wish you'd like a little finals. Hey, I appreciate it, Brian. Yeah, with the whole texting thing and everything, my phone gets spammed a lot. And I actually have like, let's see. I have 158 text messages. It's just... Wait, can you split the screen so we can see us live and then see the comments? I said that might be a little easier. How do you do that on Mac? Yeah. Usually on Windows you can just drag it. Oh, wow. 36 and 46, but anything under... What do you mean by 36? Yes. But you promote one. We got to see the comments. Wait, wait, wait. Yeah. Let me keep one for a bigger offer per minute. It's like five, three, four, five. Cool. Boom. Just so we can see a little bit. Yeah, you're pretty good. All right. Gavin, that person says hi. Gavin, just post it on Instagram, tag me in it. I'll screen chat it. I'll repost it for you, buddy. I'm sure it's something about the wobbleheads shirt and everything. Something you wore to a lot of stuff. I appreciate it. Andrew, do you ever use an ultralight fishing tackle and sew with your camera? Nope. What is the best crankbait beatcaster combo? In my opinion, we're going to have both different opinions. There we go. In my opinion, Abra Garcia winch, Riva winch on a Synchroys Mojibass, which is... The cost is great. It's only around $100. It's a glass rod. Get it around. What are they doing? Talking about paddle fishing. The Mojibass Glass Crankster rod is only around $100.  Jacob. We'll have to go fishing. You're going to throw it. Jacob K. Botanis, no. That's the answer. All right. You can just go. Hey guys, there's a delay on here. So we're seeing your questions. Don't think we're not. There's just like a 30-second delay. So it might take us a second for you guys to like zone in on what's going on. What depth have you been finding most of the fish to possible days? I cannot tell you guys to be honest. I can tell Andrew that. Yeah. Because he's my homie. I can't like... I can't tell you on him. We'll know after the tournament. But I plan... Loving this kid. Awesome Matt 101. I'm liking it. I'm liking it. I can't wait to have these companies. You should see another day. They're bad. They're bad, yeah. Love you guys' channel. Good luck. I appreciate it, man. Shout out to Bass Info TV. You Good Man! Best cranks for 5-foot-water. Bass Pro. Bass Pro. I've never been at those. You're not missing anything. No. Bass Pro. Bass Pro. Bass Pro. Everything's really online now though. We can put it on a tackle warehouse. That's all people do now. I have a gift card. But I want to say there's not... There's not a lot of times I have to order stuff. I usually can email my sponsors or call out my sponsors and they can take care of me. But if I need to, we go to mostly local tackle shops. We support our local tackle shop. Shout out to Equibit and Tackle. We usually call them up. And they can get really whatever we need. So we need a Kentucky League map. We call them up. They can order that and get it to us the next day. It's really nice people. I don't know who Brandon's talking to. Yeah, he's talking to me. Hey, what's up, Brandon? Yeah, we shook hands in the parking lot. We should take a picture, man. And if any of you guys are at Nationals, you see any of us. Come on to us. Shake your hand. We'll talk about fishing. Don't be shy or anything. What's your favorite casting combo? I like a Revo MGX. Any St. Croot Rod. If I say my favorite, it's the Legend Extreme. But it may be out of some of you guys' price range. But it's really sensitive to rod. Really great. Whoa, you got a book to read. Go for it. Yeah. Abus or Luz? Luz. Keep going. I knew that was about to happen. Here we go, Sierra Luz. Luz goes, I'm going to say I say keep going. They're both good. It's all good. Yeah, they're both solid. But I love my Abus. I only like tackle where else for big orders. Yeah, like if I need something quick, tackle it. Like, if Bass Crushop doesn't have it, like Bass Crushop doesn't have any reaction. Have easier reaction to these. Just like the Sweet Beaver. Their names are pretty bad. That's why we don't have. Oh yeah. It has a freaking thong on it. I'll show you. The funniest thing ever. I'll put you on the live stream. I'll show you guys. I like finesse worm. Noah, thanks for being such a great role model to me. You inspired me to sell all my airsoft stuff, sorry Steve, and went fishing my first time today Man, I appreciate the support man. Keep on fishing, definitely. It's really addictive. You'll really get into it. Have you ever watched Fat Cat Newton? I met him at the Bass Monster Classic. Took some pictures and stuff. Hey, me? Yeah, that guy's pretty cool. Yeah, I haven't really talked to him. Ho, ho, three tops, oh! Yo. Boom goes dynamite. Is that going to focus? Who is it? Oh, nice song. You see it? Someone else can first shot. It's so backwards. They can read it backwards this way. Enjoy both of your channels. Thanks, tornado alley guy. Appreciate it, brother. Yo, what? Dude, what is up with these? Yeah, you see it? No! Alright. It's like you can see that. Alright, here's the twerk that we're talking about. You can kind of see it's kind of clear. I don't know all day. But if I zoom... Yeah, I was doing that the other day. If you see... Yeah, you can see it. Right there. That's a thong bikini, boys. Looking pretty sexy. Yeah. I think you should wear a thong on the back. Dude, that... When that catch... It's not on the back. Oh, I'm about to. Oh, man. This livestream tomorrow is going to be just so solid. Yo! What's up, Andrew Flair's vlog? What's going on, guys? If I go... Alright, this is what someone commented. If I go skinny dipping by your... When you're fishing, can I get on video? Yes. There's a lot of comments. My boat, yes. Go for it. There's a lot of comments I can say about... I really want to say it bad, but... We're going to go in the parking lot and just get jumped. But some freaking random kid jumping out of the bush or something. Naked. Naked. Good job. What is your personal best fish? Mine's around 10 pounds. Large amount? Yeah. You know, it's a pond. Oh.  Actually, Kentucky Lake, dude. Well, hopefully I'd better break my... 7 pounds. My PB. I'm hoping to break it. Turn him a day. I was pre-fishing last year for no reason. Flair's a Smedley Junior. I like that comment. Hey, Chris. Hey, you need to take Chris. I forgot... Smedley boy. A Smedley boy. You got to do your Bacock. I can't keep me in that, but I got to witness it in person. I actually become a Bacock already. Yo, shout out to me. Yo, John B. Jojo Bars. It's backwards. Is he watching? He goes, yo, shout me out in your... In your love vid. Jojo Bars. Love this. Shout out to you, homie. Because I'm about to be past you and stuff. So you're going to be asking me for shout-outs. Hey, you are. Yeah, dude.  You're active. Oh, yeah. I'm 3,000 away from him. I'm gaining like 100 a day. It's going to be over pretty quick. He hooked me up with a shot. Flair looks like Noah's wrong-loss younger brother. Dude, I'm older than this kid. Yeah, he's like a year older than me. He's an old man. On YouTube. Just got an ad view. Man, let me know how that... Yo! See how that happens. Bacock! Hey, you got to do it. That was... You got to... Hold on, hold on. We got to witness it. Hold on. This is a moment... All right, let's get started. No, no, no. This is a moment for the GoPro. I'm already doing this stuff. All right. Oh, God. What's going on, Blogg? Andrew Flair's Blogg? Kicking their mask, Blogg? Live stream here in the Bacock? Let's go! I'm shell shot. Oh, good. All our people. This is too much for me. Dude, this isn't a lot of fun. This is... Tomorrow when we actually get it set up, the stop is going to be fun. When are the Ho-Rags coming out? When are the Ho-... When are the Ho-Rags coming out? When are the Ho-Rags coming? When are the Ho-Rags coming? The Ho-Rags are coming. When are the Ho-Rags coming out? When are the Ho-Rags coming out a bit more? Dude, stop! Dude, people are probably enjoying this so much. This isn't okay. What is it? Dude, don't... Don't read it. What did you say? Don't say it out loud. I can't. I can't right now. Which one? I'm on the ground. Awesome, Matt. One-on-one. We got some carrot-tasting here. I like bump-tree calming. You see Cody Dove? What is my Snapchat's below? You see Cody Dove? Where? Dude, these comments are bad. You guys have actually awesome comments. These are perfect. I love it. What? What are your plans for the future? I don't know. Go fishing? I don't know. Hey, your dad is the best man. I love your videos. You inspire me to start fishing. I teach some people that have been fishing for years. Just because I watch your videos. I appreciate it, man. The support is amazing. Thanks for the dad love. Yeah.  I seriously appreciate it. You're awesome. And your drink. Why monsters? Because of me. Man, you're the... Man! Tell your dad wake up the hotel. We're already waking up the Georgia boys next door. I mean, we're screaming in here. We're probably going to get a complaint. Yeah, people are Snapchatting like crazy. All right. I should check my Insta in case anyone's coming. There's so many coming up online. Because of you and Andrew, I made a fishing channel. Can you guys subscribe to me and give me a shout out, please? Fishing Flute, shout out to you, man. Honestly, I can subscribe to you right now. I said, dude, you have to give me a... I subscribed to you, man. You're the man. And I just lost mine. All right. What am I doing? Dude, the problem is, I don't know where the... I just lost it. Ask now where he gets poppin' Chad. Check where? Damn. Yeah. Where is he? Wait, the Z-man? What? Z-man poppin' Chad. Yeah. Those have to use those. Honestly, dude, that's where you get them. How do you use them? Will you check Snapchat? Yeah, Gavin. Man, see, when you guys comment, I visualize your name. Shout out to Steve, the real MVP. Oh, my God. Yeah, we got to get you on YouTube channel. Oh, man, rules. We got to get you on YouTube channel. Oh, look at Gavin with his hat on. Look at that. Why are you saying no livestream though? Andrew Flare is a blank who got me to buy a lose. I got three of them now. Shout out to my blank, Andrew Yee Yee. Yeah, I said blank because I can't say that word. Nah, unfortunately not. It says, hey Flare, what did the fish say when it ran into a concrete wall? But no answer that. Damn. Oh, I get it now. I did that on one of my videos. What do you think of PrettyMash? You get to meet him. What do you think of him? Hey, Andrew, I won the rod giveaway two months ago and never got it. Where is it? I don't know what fish I'm from. Not me, but I will shoot the video. Because I don't handle any. Pretty sure that. Look and do. It's fish on that runs it on me. Oh, dude, this is annoying. You guys are my two favorite guys on YouTube. You guys are the best and hope you both go pro. I appreciate it, man. Shout out to Chandler. Chandler, you're my homie. You the man. Best shaky head woman. Like of Egypt? What do you think I live? God. What is this? He is. This is what I was going to say, but I can't say it because it would be really bad. I can't say that. It was going to be really close. Click on the video and immediately. You're dying of laughter. Hey, that's because it's fun. Ethan creeping in the back. Who said that? Your dad snoozing, Andrew. Why won't Obama laugh at himself? That's probably his sleeping. Oh my God. That's awesome, Matt, man. You're awesome, Matt. Awesome, Matt. I'm liking it. You can come back anytime. You called it something pretty good yesterday. You can come back anytime. Honestly, I think everyone's saying they gave up Airsoft and they're apologizing. Best shoot. Click on it. Everyone's saying they gave up Airsoft and they're apologizing. I don't know if you know, but he owns an Airsoft business as well. Your dad's snoozing, Andrew. That's Matt. That's my friend. He thinks my dad's sleeping right now, which he probably is, which is unfortunate because we have to go step by rod still. Oh my God. Just watching my go up. Wait. I don't know how the heck to do this. So many people. This is nuts. Wait. Scroll up one more time. Scroll up to that. The one here. Oh, yeah. Hey, wait, wait. You talking to me or him? It's yes from both of us. Let's be honest here. Sorry, Steve. I gave blame. No. What is up there? Something. All right. This is better. Not going to do this. Like so many comments coming up. Hey Noah, is that on your Airsoft family? Yeah. Decided to try. Why monster because of your videos. Now one of my favorite drinks. Also. Watch all these videos. You the man. You the man. Hey Noah. Lose for the win. No. Noah. What? Are you vlogging? No. I'm on Noah Pesticlli. I'm on the whole team. I'm watching you. What? What? Yeah, I am on the whole team. I'm watching you. I'm watching you right now. You twinkie. What? What's the name of the phone? So kids just ask for a shout out. And I'm just going to straight up say. Shout out. The C underscore chode. What's that name? You get a shout out. What is the chode? C chode. What's a C chode? C chode. That's an endangered species. Good lord. You never get to see chode. Favorite like. Favorite like. Favorite like. Favorite like. Let me know. You got to repost this. You got to repost. I almost, like if you're down learning this. You got to repost. It's hilarious. When are you. I'm not waiting. I'm not waiting to find out. Favorite like to fish, I really love lanyard. You need to come down lanyard sometime. that one here sometime. I know. And you guys are 13. Where were you as far as bass fishing? Honestly, I did not start bass fishing. I did not start fishing until I was 13. I started fishing when I was three. So I got 10 years on you. But that don't mean nothing obviously. What is your favorite soft plastic bait? A lot of Berkeley baits are good. Striking baits are good. Robo worms are great. Shout out to Chode. Wake up Egyptis in Southern Illinois. Look it up. Okay. No, I have not fished it. To the best YouTube fisherman in the video. This is Sid. Yeah, it is. This is for starting a fishing channel. Just start making videos. Start off with making videos as you increase start making quality. Because you want quality over quantity. You're gonna want, as you can tell, I post three videos a week. He posts around the same. About three, two to three videos a week. You want to be consistent on the videos. But you want the quality first. Alright, I got to give someone a shout out. Wait, can you go to the screen so I can see what it's looking like? Shout out to that homie right there. It's backwards though. It's my girlfriend. She wants a shout out. Did she watch it? Yeah. No, I don't know. She told me. She's like, give me a shout out. Is it your girlfriend? Did she watch it? She wants a fan page and all. Yeah, she's building a house on a lake though. It's bass there. It's your girlfriend? Yeah. She's checking me out. What's his name? Did you see what he said in there? I didn't even notice what he just said. She's checking me out. She's checking me out. Yeah, I'm taking shots over here. You know what? If I come to you after the weigh-in, can I get a drag from it? Yeah, of course, man. That'd be awesome. How much of your truck lifted? It's already lifted three inches. What'd you say? Yeah, you guys are the best. Am I the only one who would choose on fishing line? Awesome. You're awesome. That's probably not good. Who's that weird looking kid beside you? Why don't you do YouTube? Oh, it's good. We text Chris but he's taking us lead, Lee. Wait, so I can put this on my YouTube channel? Yeah, you can. We can download it. You've got to put this on there. I want to. Love your videos, Andrew. No, you're the man. The Bassmaster 1231. You're awesome. Have you ever flipped your pitch on a Bassmaster? Oh, hey, hey, hey, I came up with an idea. We have to do it tonight.  You've never had one?  I've never tasted one. You've never tasted a monster? A white monster. I've tasted a monster but not a white monster. All right. So I need to do that on live stream. You hear the song? Yeah, right. My phone call, I guess the loudest bumping. Yeah, I've heard it. Like you guys heard this song? Yeah, 30 seconds. 30 seconds. I don't talk to talk to talk. 30 seconds of it. Yeah, we're good. What's all plastics? Do you use for drop shot rigs? I use rubber worms personally. Do you drop shot? So I have to teach you how to drop shot. Or if we go to the new, what do you say? Are you sponsored by Saltlight? Yes, sir. Somebody said drinking a white monster right now. You want to know the funniest thing. We went to world finals. I couldn't even buy a white monster. You guys stole my role there. Literally, everyone is going to the gas stations by now. Yeah, we're about to have to sign out. I give us another five minutes. Dang, man. Whoa, whoa, did you better send them a hat? What did you say? Why doesn't know his fishing partner? I thought that wheels me. Oh boy. Why doesn't know his fishing partner ever talk in the videos or chats? Just wondering. Well, most of the time, you know, it's all, it's all about the person like Chris. Just sometimes he just has to take a Shmedley so bad that he's just holding it in, you know? And it, you know what I mean? If it talks, it just wait in that blog today, was that the one where we got caught in the dude? Do we some do is in the bathroom? Oh, God. I don't know if that was the log today or not. But dude, I went to the bathroom here. I went to the bathroom. It was all quiet. You look under the stall and you see. It wasn't no little big guy, man. Probably twice the size of him. Hey, you see this? You see these right here?   This is going to get your butt. Is it? Turn around, man. I believe in these things on a percent. Really? Aren't you a fortune cookie? I asked the lady at Chinese restaurant. Can I have my fortune cookie? Chinese buffet.   Andrew is clapping like a member of mine. What? Wait, wait, wait. Wait, am I reading the same one? Like, I don't like this kid. He's kind of, he's kind of roasting me. Andrew, we all know you changed your dad's contact.  I don't have to sit here and defend myself. It's all right. It's Noah texting him as a girl. Exactly, yeah. You guys caught me. Who made my intro? One of my buddies is a while back ago. Hey, we're caught up on the chat finally. If I make it to pro bass fishing, I don't want to lose. I don't want to lose. I don't want to lose. I don't want to lose, but I will be okay. Losing to you because I already know you guys make it. Thank you, man. I'm sorry for laughing. You might get loose. We get it. It's fine. Seriously though, I appreciate the support guys. Oh my God, I do this name Schmedley. Schmedley 101, shout out to you. Shout out to you, Schmedley 101. Shout out to Cho. You know there's a kid that we call Cho, and that's what it reminds me of, some big Asian dude. We just call him Cho. He plays rugby.  Sprite talking to me? I'm wondering the little tiny one that you're always been from. It's a big lake. It's a big lake. Really? It's always the same spot at that little island. Are you trying to chatter me? I just commented what you said. Holy mother of pearl. Dude. Can I give you a quick shout out? Maybe subscribe. Flip and jigs, TV, shout out to you, man. Andrew, why did you crash in your video? Did it look like I was driving the boat? Yeah, dude. We'll say that tomorrow. Andrew, why did you crash? Please get a shout out on IG. D underscore crook43. Dylan crook. Shout out to you, man. Someone said ask Noah what his favorite chode bait is. Favorite type of chode bait. Favorite type of chode bait? You know that Z-Man, Nedric? Looks like... Exactly, we'll go with that. We'll leave it at that. We'll leave it at that. This is getting so bad. I don't know if I can post this on my YouTube channel. I'll be honest with you. It's all good. Will your dad ever close SS and start? I'm going to take it to the next level here in a few years. Is the $19.95 batch record good enough for attorneys? Of course, man. Whatever you can get your hands on, there's nothing that's just not good for attorneys if she isn't here. Who? She said hey to you. I'll tell your dad I said hey to you guys. Love your videos. You encourage me to start my middle school team. You are awesome and a great fisherman. Hey, what's up, Gabby? What's your thoughts on Caitlyn? My thoughts on Caitlyn Jenner. If she was the superhero, she'd be called X-Man. That was good. I was waiting for you to say it. Dude, we should start a channel called Kickin' Their Vass in Player Chats. Kickin' Their Vass in Player Chats. Let's talk about all the defense guys. Yeah, just all the frickin' politics and everything. Finally started watching VassWordG. VassWordG finally started watching. What did you now? Better start that other channel. The VassWordG is very rich. Alright, stop with the charts. Love your dad. He's so funny and really just amazing. What is extreme? Extreme is my dad's work. Hey, could you give me a shout out please?  You've been showing some support and love towards the channel and you're awesome. Let's go back to your dad's awesome. Noah, I'm expecting that Ho-Rag Ho-Rag He said Ho again. It says Ho. I know. Noah, I'm expecting the Ho-Rag at the rules meeting on Wednesday. Alright man, come up, shake my hand when you take a picture and everything. Stop it. Stop it. I'm not even going to say it anymore.  Love watching with you guys. What's your favorite? I almost read it twice.  Or do you not to choose to have a girlfriend? That's to you because I got one. Dude, I'll play the game. Dude, I don't blame you to be honest. You're smart. You don't get girlfriend, dude. Who is I am fitness? Wow. Hey man, love your tundra. I appreciate it, man. Dude, you know the funny thing is the person who has my Jeep is someone I know. That's actually cool. And they say it wasn't mine. That makes sense. You guys should find out. Dude, do a live stream. Tomorrow. I'm not going to promise you anything. Oh, we can Periscope. Add me on Periscope. I put the link below after. God, I was going to do it earlier. Periscope. Go watch the stream. I caught a six-pounder live. You can go watch that. That was pretty cool. That was honestly the craziest thing that's ever happened. I was like two minutes into it. Yeah, we're going to... You can Periscope on my phone. During the tournament, we'll do live Periscope action. Tomorrow I'll do some live Periscope action.  How'd you know? God, he... God, he... Brett and Hobb, you're just a genius, aren't you? I hope she's not watching. She probably isn't.  But it's fine. Flair's a man, Hope. Some kids commented. Some kids commented, Flair's a man. Ho rag. No, I'm saying ho rag, purposely. I'm the ho in the rag. Can you whip in Nae Nae? Can you whip in Nae Nae? I'm white. Tell me if you want an action. Yeah, I'll do it on stage. Dude, I'm whipping on stage if I win. Stupid. You have to like... I'm not going to do it.  You have to like... You have to like... I'm not going to do it. You just get up and start burning. Do subscribers as you bleed. Literally as periscope as... Have you ever fished a lake of Ozarks? Yeah, I've been on it like three times. I held up two and said three. Keep going. I've been up there 20 times. Why is everyone roasting Flair? Come on now. What's up with this? Is drop shotting good in ponds? Honestly? No. No, no, no. Think about it, not straight down. Think about it because you know how there's a lot of weeds. Yeah, yeah. Perfect. Good idea. Who's better? You or Noah? Can we get him a con? Noah's better. No, you guys aren't even trying to figure out. Yeah, dude. We're trying to hit top ten both of us. That's the goal. I can tell you there's going to be a lot of stuff in the future with videos and stuff. We're going to try to start doing these. I think it's pretty cool. Do it, you, Blake, Andrew. Do what? What is your periscope?  I think, let me check. Go check on my Instagram. Google it. YouTube it. I caught the most priceless Flair face. That kid's going to throw that on Instagram. He's going to throw it on Insta and tag me. I'll re-post it. Have you ever fished in North Carolina? I've never fished in North Carolina. It's my Twitter name. At Fishing with Flair. Yo, people are blowing the phone. Yeah, man. What are you doing tomorrow? Is anyone else roasting me?  Crosby. I'm writing a petition to get your dad to whip. Boom. They want you to whip. Why does Chris have the beaver cut? I'm not Chris. Keep talking. Why is Andrew here? He always hates on me. He's pretty chill though. He roasts me all the time. He's like, Noah, you're my favorite YouTuber.  What is this? I'm totally kidding. I'm not. Flair acts like a third grader. Second grader, come on now. Do I like the Reaver rocket? Honestly, that's all I've used the whole weekend. Which? I will go into details on the recap after this tournament. Why I'm using the Reaver rocket. Dude, I got to go. Seriously, I got to bring him back. I want to do a whip. Has Andrew, has Flair had blank with this girlfriend? Soon to be discernment, I'm waiting. Tell him to stop that stuff. Yeah, dude, I shouldn't even mention that. This is not even about fishing anymore. What kind of brain do you guys use? I use spider wire, all spider wire. Hey, Flair, have you ever musky fished? Uh, yeah. You said yeah. Whip and Bacock, dad. Whip like this. And Bacock, same time. You got to go. Hey. Bacock! See it? Maybe do it. Yeah, let's do it. So watch me whip. Bacock! There's no lights. Did you do that? I got to do that. Because I want to sneak up on him. Yeah, he turned the light off because I want to sneak up on him. There's no sound in the light. Yeah, I turned the light off. You got to wait. Steve, I got to tie my stuff on. Good, dude. I gave you on the vlogger. Let me see. Yes! You guys were awesome. Andrew, Flair, kicking their best CV. We're vlogging right now. Watch it. Look at that. You were awesome. You were awesome. We had a party tonight. Tomorrow is going to be even crazier.  What do you say? Around 8 o'clock? Stay tuned. We're going to hit it out, guys. Thank you guys for watching so much. Thank you guys for watching the vlog. I'll see you guys next time. Please stay tuned for tomorrow. Please give the video a thumbs up. See you, guys.


One thing that's a bit of a footnote about that last video about downs is that we know that whenever a team has the ball on the 30-yard line that their first down line is going to be on the 20, but what happens Whenever they get inside the 10-yard line and so they're going in this direction They're trying to get into this end zone. What happens when you don't have 10 yards to go? How can you get another first down and the simple answer I guess is that you can't If you're on the 10-yard line or inside if you're on any yard line inside the 10-yard line Then we we no longer Give we no longer say how many yards to go because there's basically there's no more chance of Getting another first down. So rather than saying First first if we had the ball on the Eight yard line you would wouldn't say first and eight rather you would say it is first and goal And so then that means that you only have There's four more chances to score that touchdown Now of course if it were to happen that a team would have the ball on the 11-yard line And then it would be first and ten and they could pick up Potentially pick up that extra first down if they move the ball inside the one and then at that point It would be first and goal and then maybe second and goal third and goal and Then fourth and goal and if a team is this close if they got down to fourth and goal rather than punting they would Just like we talked about in the Scoring video they would probably try to kick a field goal through those uprights To get three points Rather than turning the ball over although they do have the option sometimes if they are that close They will try to score that touchdown and get those extra points, but again if they fail to Score a touchdown whenever it's it's fourth and goal Then the ball would go to the team on the defense and they would take over right there head back in the other direction


So let's try to tackle factoring in the hardest way possible. Actually, if you want to do yourself a real favor, just skip this video and go on to the next one. So far, we found that we can factor quadratic second-degree polynomials by using the quadratic formula to find a root, and then the root theorem to find the factors, or by rewriting the quadratic expression as a difference of squares. But these methods are too easy, and they work on all quadratics. And maybe you don't want to do things the easy way. Maybe you'd much rather do things the hard way, and so we'll introduce a hard method that doesn't always work. And again, if you want to do yourself a favor, skip this video and go on to the next one. Now, this problem is so hard we have to consider two cases. The first concern what are called monic polynomials, where the coefficient of x squared is 1, and an even harder case is when we have non-monic polynomials, where the coefficient of x squared is, wait for it, not 1. So let's consider this factoring a monic polynomial. If a quadratic polynomial is factorable, it must be the product of two linear factors.  And the thing to notice is that these two terms here in the middle can be rewritten as a plus b times x. And so this means if a monic polynomial can be written as a product of two binomials, the coefficient of x has to be the sum of the constant terms, and the constant itself is the product of the constant terms. And this suggests the following approach, which is known as trial and error factorization. First, make a list of every possible pair of integers that can multiply to the constant, and then find a pair that adds to the coefficient of x. Now, fair warning, trial and error factorization is the slowest, least efficient, and worst method of trying to factor. So if you don't want to use the quadratic formula, if you don't want to rewrite things as a difference of squares, what you're going to have to do is a lot of extra work. How bad is it? Well, let's try it out. So let's say we want to factor x squared plus 2x minus 24. So we want to find two numbers that multiply to negative 24 and add to 2. Well, since the numbers multiply to negative 24, we know one of them has to be positive and the other one has to be negative. And we now just need to go through our list of things that multiply to negative 24 and see which one adds to 2. So let's make a list of all the numbers that multiply to negative 24, and we have to check through our entire list to see if we can find a pair that adds to 2. So 1 and negative 24 don't add to 2. Negative 1 and 24 don't add to 2. 2 and negative 12 don't add to 2. Negative 2 and 12, nope, 3 and negative 8, nope, negative 3 and 8, nope, 4, negative 6, nope, negative 4 and 6, no, oh wait, wait, we found it. And so that says that x minus 4 and x plus 6 are our two factors. So for example, consider x squared minus 14x plus 13. We want to find two numbers that multiply to 13 and add to negative 14. Since they multiply to a positive, both of them have to have the same sign. Since they add to a negative, both of them have to be negative. And here's why this trial and error factorization is helpful. Since they multiply to 13, we only have one choice, negative 1 and negative 13. It's vitally important to understand that we have not yet found the factors, but we have found what might work. We still have to check to see if these add to negative 14. And it turns out they do, and so we have our factorization x minus 13 times x minus 1. How about x squared plus 12x minus 24? We need to find two numbers that multiply to negative 24 and add to 12. So we list the numbers that multiply to negative 24, then check to see if they add to 12. So the numbers that multiply to negative 24, and now we have to check every one of them. But none of them work. And so since there are no numbers that multiply to negative 24 and add to 12, this is not factorable over the rationals. And what's important to remember here is that if you choose to use trial and error factorization, you may have to try every possible set of factors before concluding that nothing works. And so this is part of the reason why trial and error factorization should be your last choice of how to factor a quadratic polynomial. What if we have non-monic polynomials? In that case, one or both factors must have a coefficient on x.  And this means we need to find four numbers a, b, c, and d, where the product ac is the coefficient of x squared. The product bd is the constant term, and the sum ad plus bc is the coefficient of x. Good luck. So let's try to factor 2x squared minus 5x minus 12. We want to find four numbers where ac equals 2, bd equals negative 12, and ad plus bc is negative 5. Now we can simplify our problem slightly. Since ac equals 2, then a and c have to have the same signs. But if both are negative, we can remove two factors of negative 1 and make both positive. So we can assume that a and c are both positive. Since the only two numbers that multiply the 2 are 1 and 2, we can simplify and assume that if a factorization exists, 2x squared minus 5x minus 12 must be 2x plus c times x plus d. And this means we need c and d to multiply to negative 12, and 2d plus c has to be negative 5. So now we go through our trial and error process. We list every pair of numbers that multiply to negative 12, and check to see if 2c plus d is equal to minus 5. And sometime next week we find that d equals negative 4, c equals 3 work, and we have our factorization. So you've gotten all the way to the end of this video, which means you didn't take my advice to skip it, and that's okay, because there is value to learning trial and error factorization, and it comes from the following idea. If the only tool you have is a hammer, then every problem must be treated like a nail. And that's great if you're trying to drive a nail, but not so great if you're trying to work with a screw, and if you're trying to open a pickle jar, you really don't want to do that. The key idea is that the different methods are better in different situations. So remember we can factor by using the quadratic formula, or we can rewrite the expression as a difference of squares, or we can use trial and error. You might consider the problems that we looked at. So it's worth taking a moment and think about applying the different methods to these factorization problems and deciding whether you want to use a hammer to open that pickle jar.


Latvia to hand over all its helicopters to Ukraine. Latvia has made a political decision to transfer to Ukraine all the helicopters at the disposal of its armed forces. Latvian Prime Minister Khristianis Karin said that his government decided to provide military assistance to Ukraine back in November 2021 when the threat of a full-scale Russian invasion was actively discussed. With the first Stinger man-portable air defense systems arriving in Ukraine the day before the full-scale invasion, our government has since spent more than 1.3% of our GDP on various aid to Ukraine, including 1% on military aid. All of our Stinger missiles are now in Ukraine. We had a helicopter fleet with the last of them still being repainted so they can be used. The last of them will go to Ukraine, he added.


Well, thank you all so much for joining us this afternoon for our panel, really excited about the conversation that we're going to have today. I want to start off with just a couple of overarching points. According to the Fourth National Climate Assessment, the risks associated with climate change are often highest for those who are already vulnerable, including low to moderate income communities, some communities of color, children and the elderly. Additionally, some BIPOC or LMI communities can be five to 20 degrees hotter than predominantly white neighborhoods in the very same city. Environmental and environmental inequities are so pervasive in low income communities and communities of color that environmental experts have used the term sacrifice zones to describe these areas that carry a greater burden of air, land and water pollution and warmer temperatures because they are situated in their chemical treatment plants, highways and or heavy polluters. I know that, unfortunately, neither of those two statements is particularly new news for most of you joining the session to this afternoon. But I think it's helpful to hear some of the specifics as we work to double down on why this work is important and why we need even greater climate justice solutions yesterday. Good afternoon, everyone. My name is Danielle Burns. I'm the vice president and head of business development at CNOTE, and I'm delighted to be here with each of you today. Our conversation is going to be focused on helping each of us to better understand how community investments can address climate change, specifically the unequal impact climate change has on underserved communities. I'm joined by a fantastic group of colleagues this afternoon who have deep passion and expertise on this topic, and I will allow each of them to introduce themselves. However, very briefly on the panel with me today is Melissa Weaver. Melissa is a sustainability director at Self-Help Credit Union and Ventures Fund. Neta Arab Shahani. Neta is the director of Inclusive Center for Resiliency and Clean Energy. Michael Galopter. Michael is a climate justice expert and the CEO of the Brazilian, I'm sorry, for the managing director of Reflective Earth, and Arulio Arroyo. He is the direct executive director of the cooperative, Jesusa Bero Puerto Rico. So thank you to each of our panelists for being here. Before we get started, we wanted to just do a really quick pulse check for those of you joining us today. It'd be great to know who might be new to climate justice conversations and who's sort of been at this critical work for some time.  And also let us know, will you help from that would be fantastic. So I'm going to turn it over to Michael and he's going to kick off our conversation today. So Michael. Hi, thanks. Thank you very much, Danielle. And I'm going to share my screen real quick. I don't work directly on, I work on doing things in communities right now, not driven yet by investment, but hopefully. So I'm the managing director of Reflective Earth. I've been working on climate change since the mid 80s and on climate justice since 1995. And in the last few years, I sort of want to give a little bit of an overview about why I think investment is so critical. For really more than a decade, it's been clear to those of us doing climate work and climate justice work that there is, that the costs of getting ready and adapting and being resilient are staggering. And give a couple of examples why the this is a map of the what's called the low elevation coastal zone in Bangladesh. It's estimated that Bangladesh will be 60% underwater for a large portion of the year by the end of the of this century on just moderate climate change paths. And these are large population centers you see there with some likely with the loss of what's called the West Antarctic ice shelf. This is a conservative projection. These red zones are conservative projection of the places that will be underwater in the United States. And I'll just give you a little just a simulation that was done recently for Boston, right? Here's what Boston looks like today. Here's what it looks like conservatively by the end of this by the end of the century. You can see visually on the left and then and then topographically on the right. And here's what it looks like if we don't if we continue kind of on a path that's only slightly better than we're on right now that is the same like two to 2.5 degrees Celsius and warming. So the challenge here I think for folks doing climate justice work is to say, OK, is it really just about mobilizing capital from rich countries to poor countries and rich neighborhoods to poor neighborhoods. And I was pretty depressed about it for a while. And I was able to have had a long conversation with several long conversations with water and water infrastructure people in particular folks in cities that have historically have very long histories and countries that have very long histories with water challenges. And what they said was that that, yes, the capital costs were daunting, but they all delivered very good returns if we shifted the investment horizon from kind of a property flipping, you know, buy a building, flip it in three years framework to more of a social and human capital framework with a six to eight year horizon. So, you know, for example, if we think about my hometown New York City, if there are two to three hurricane sandies in a decade, the subway system becomes very, very marginal. And you think about what does that mean for the pandemic? Obviously, has it been a preview of how hard it's been for small businesses and others? But you think about what do we do? And if we start investing now in resilience, if we start investing now in where we know the ball is going, the fact that there will be more hurricanes, the fact that our transit systems will transit systems will be more vulnerable, that certain types of housing, basement apartments and other things will be more vulnerable. It's possible to convert all of really every city, including the ones in Bangladesh, into places that have adapted and are resilient to what's coming and what will be and that those even can be strengths of sources of strength and growth for communities. So when we see the daunting task of the overwhelming impact that climate is going to have, we have to realize that there are places like Venice, there are places like Amsterdam. I'll give you an example. The Dutch have controlled 80% of waterborne traffic in Europe commercially since the 12th century. So if you think about a problem as an opportunity, if we think about our communities as needing to evolve, a finding new surface transit systems that are flood resilient, new types of housing that are climate and heat and flood resilient, these become opportunities. People can flock to cities, flock to places to see how they've changed, how they're adapting to how the world is changing around them, even though we wish the world wasn't changing as much or as fast. And the key really is changing investment regimes. And most of what I work on is the politics of that, raising these issues and saying capital flows are going to have to change. People are going to have to make money differently in urban areas. We can't afford to just, you know, basically sell out New York City to hedge funds in the hope that they'll stick around and we can collect enough rich people's taxes to pay for a new subway system. That's not going to work. We have to build community investment structures. We have to see where the ball is going, adapt and create new, beautiful vibrant places based on where our planet will be and is going now. At Reflective Earth, briefly, I'll just say we are working specifically on the question of what's called technically albedo, but we like to call it reflectivity. It's a little bit like mRNA for climate. It's the fastest thing you can do about heating is to reduce the amount of sunlight that hits the planet or hits surfaces. I won't get into the technicalities of it, but this is a map of the places in the world that are most, that can contribute the most to cooling the planet by becoming more reflective. We don't want polarized caps melting. We want them staying white and shining lots of light back to space. But at a local level, this is the city of Los Angeles. We're launching a map right after Glasgow with the city of Los Angeles, where they actually have done satellite monitoring of the reflectivity of every roof in the city. We can put a number on that and help people adapt. There are actually subsidies in the city to do it. We're working in that car right now to create grass roots, roof conversions. At a local and regional level, you can shave 2 to 4 degrees Celsius off an extreme heat day, radically reducing heat deaths, simply by painting a significant amount or converting a significant amount of surfaces to being more reflective. And by the way, the industries involved are just not mobilized at all. Shade fabric, paint roof materials, paving materials industries. They're not even half aware that they're going to be playing such a critical role in keeping our spaces livable. But these are conversion opportunities. These are investment opportunities for small businesses. But the mega message really is that you're not just going to turn a city white and go, look, we're done. It's going to change the character of the city. It's about the community and the human and the social capital, the aesthetic, the arts, the culture. And tying that together in a community investment framework is really the only way that we can afford, and frankly not just afford, but thrive through the transition we're going to have to go through over the next 50 to 100 years. And with that, I'll pass it on to Nita. Hi, everyone. Thanks so much, Michael. So I'm also going to share my screen. Let's see. All right, great. Thanks. So I'm Neda Arab Shah. He addressed the Inclusive Center for Resiliency and Clean Energy. And I'll be speaking about what credit unions are doing to address climate readiness. And it kind of speaks to what Michael was mentioning in terms of mobilizing investment capital in the places that need it the most. So Inclusive is a nonprofit organization and our mission is to help low and moderate income people and communities achieve financial independence through credit unions. We're a national network of community development credit unions. We're certified CDFI. And since 1974, we've been leading, we've been the leading credit union resource for financial inclusion and community development. And along the way, we realized that our members and the communities that we serve were really being hit hard by the impacts of climate change. So about a year and a half ago, we launched the Inclusive Center for Resiliency and Clean Energy. And through that, we're building a network of community based lenders, credit unions, loan funds, community banks that are developing and offering affordable financing solutions for clean energy, specifically to combat climate change, but also to build more resilient communities. So through the center, we offer training, access to collaborative operating platforms, investment vehicles, loan participation opportunities, looking at possibilities for secondary markets. And we also do advocacy work. And you can see Melissa here in this photo, our fellow speaker on this panel today, she was a student in our solar finance training course. So we see that there has been a significant global investment increase in clean energy. In 2020, there was over 500 billion dollars invested into the energy transition, which was a 9% increase over 2019. And you can kind of look down the slide, there was an increase in investment in renewables, increase in investment in solar. And in the US solar market, there has been dramatic growth. In 2006, there were 31,000 homes with solar. Today, there are over 3 million homes with solar. And that market is expected to double by 2023. And in addition, I'm sure many of her President Biden has called for 100% of the nation's electricity to come from clean energy by 2035. So we see that there's significant opportunity for growth and significant opportunity for investment. We also realize that there are communities that we're most trying to serve that continue to have the need for clean energy and access to climate friendly solutions. But they do not have the financing and they've been largely left out of this increase in investment. So we I wanted to highlight the concept of energy burden, which is when which is the percent of gross household income that's spent on energy costs. In this country, the average energy burden for low income households is three times higher than for non low income households. And on top of that, black household holds on average spend 43% more of their income on energy costs than white households. Hispanic households spend 20% more and Native American households spend 45% more. So we know that this disproportionate energy burden is hitting our most vulnerable communities. We also know that credit unions do have a very strong history of supporting those same communities. They're often supporting communities that have lacked access to clean energy. Credit unions also tend to have deep community relationships. They have the financing and loan underwriting experience. And there are over 5,000 credit unions across the US with combined assets of 1.7 trillion, serving over 113 million members. So through the center, but also just before the center existed, credit unions had been starting to build a significant green lending track record. And I wanted to just quickly state what what I mean by green lending. So I'm talking about financing projects that reduce household energy burden, greenhouse gas emissions, energy use, water use, they could be clean energy like solar or wind, they could be low carbon vehicles or building energy efficiency, such as a new efficient boiler. So we've seen that right now across the country over 292 credit unions and cooperatives based in Puerto Rico offer green loan products. These lenders are able to right now that most of them are getting started, but they are able to and will be able to dramatically grow their investment in green lending. They currently have combined assets of over 283 billion and are serving more than 17 million members. And the important part is that 61 percent of these institutions are either community development financial institutions, low income designated or minority depositories. And so they are serving just those populations that are being impacted by disproportionate energy burden. So we see a really strong connection between the capacity of credit unions to get involved and help drive financing in this space. I also wanted to mention that 21 percent of these lenders have taken our solar lending training program that we offer through the University of New Hampshire. Oh, sorry. And and with that, I'm going to pass it over to Melissa. And thank you very much. Thanks, Netta, for the handoff. Somebody let me know if the sound quality is not strong here while I get my slides shared. You sound OK, Melissa. Thank you. Very good. Thank you. What a million years into the virtual environment and with our microphones. Absolutely. Glad to be here. I'm with self help credit union and Ventures Fund. We're a community development finance institution that's a breed of lender that is special purpose built to flow capital into the communities that have traditionally been shut out from access to fair financial services. And in particular, we focus on low income and communities of color and rural communities and organizations led by women and people of color. For purposes of this conversation, we do not invest in projects involving fossil fuel extraction or production. And that's important for our members and our investors who are increasingly motivated by divesting themselves from fossil fuel investments. Oops. Hey, get back here. What we do is invest in clean energy, ecotourism, land conservation, affordable homes and green buildings. So a portfolio of what we call sustainable development oriented projects. And so of self helps, $10 billion of impact over the decades of our history. 409 million of that has been invested in these these umbrella categories that you would that follow either the UN sustainable development goals or other kinds of green lending targets. And increasingly, we're called to focus on climate targets. So we've, for instance, participated in the inclusive solar lender training course in order to figure out how are we going to extend our consumer lending to our members who are generally low income people. And that's not really a typical credit risk. So this is very much a new horizons. This is cutting edge or maybe bleeding edge of credit policy of extending credit. We try to support our borrowers and attract borrowers who come to us motivated to build low impact buildings with a low carbon footprint that are inexpensive to operate from an energy perspective. And we work really hard in our own projects so that we've got credibility to offer technical assistance to our borrowers by doing projects, catalytic neighborhood projects and demonstrating energy efficiency or solar energy on our own buildings. Tree preservation, I think, is a sleeper issue in real estate. Make note of that. Another issue that we work pretty hard to integrate into our own practices and our own business, our real estate projects are purchasing goals for minority and women owned business enterprises. And it's really important to us to carry those goals along with our green goals so that we are bringing along all of our values and all of our mission when we're building green projects. So lessons learned in the course of trying lots of lots and lots of different ways to get at these goals and have these kinds of impacts is that the numbers won't always pencil. And it's really tempting to imagine, particularly as a lending institution, that if we only find the right project structure, if we only get technical enough or get the right credit enhancement, that we're not going to have to take different risks than what we already are accustomed to taking. And that's not the case. The numbers will not always pencil. There's also often going to be a need for subsidy, because there's no price on carbon. Currently pollution is free. That means if you're going to build a project that has a lower carbon footprint than this other project next door, you might need subsidy. Maybe you're going to make it work through energy savings, but those energy savings occur in the future and you got a project budget you got to work with right now. So subsidy, I think is going to remain a very important piece of the project of the landscape for quite a while. And I think that's really important for investors to grapple with. And finally, I'll add a lesson learned that policy is going to be crucial. The example here on this slide, my perhaps not obvious, the photograph of the utility scale solar arrays out in the pretty green fields, those pencil, they pencil pretty good, because they've got contracts from a major utility. And the price of the solar equipment has come down and there is a well oiled machine pouring investment tax credit funds from institutional investors into projects like that. The picture on the right is a retreats a nonprofit organizing center in rural Durham County near where I live. And the utility policy up there is really not favorable, they're making it really, really hard for us to put clean energy at any kind of scale on this building. So policy is going to remain a crucial place of engagement for lenders and practitioners who want to make clean energy happen and reach that better world that Michael was talking about. I want to share four different ways that investors have engaged with self help and many other CDFIs community development finance institutions to make green lending happen. So the first one is the simplest. We as a depository institution, self help offers a product called a green CD. It's a FDIC insured market rate deposit account. And a lot of investors park their cash there. It's not like super exciting. But it's an awesome place for investors to put cash that aligns with their values. Second item, share secure alone is I think a sleeper issue. It's kind of like the situation where a grandparent might put up a lean on their savings account in order to enable their grandchild to buy a car. And grandchild is going to buy the car and if they don't and the credit union knows that if the grandchild somehow gets flaky grandma's behind that loan. So we've experienced that with a nonprofit with the Green Building Council in Western North Carolina, they wanted to secure loans so that neighborhood participants could get small loans to insulate their houses in a work swap kind of a program. And the credit risks were weird. But we realized we had this car lending program for grandparents. And we repurposed that for the Green Building Association to put a grant into enabling neighborhood participants to buy insulation and cock guns. Moving down my sketch here in, let's say, complexity. Investors can get a lot of bang for have gotten a lot of bang for their buck with CDF is by providing low interest capital through program related investments of varying terms the longer the more impactful the lower interest the more impactful. And then finally the there's an ability to fund a loan loss reserve or provide credit enhancement to a CDFI. And the again the longer term the lower the higher value of credit enhancement the more impactful it can be and the bigger risks the institution can take with those funds. So I will leave it at that and hand off to Aurelio to tell us what's going on from his part of the world. Thanks everyone. Thank you. Thank you, Melissa and representation of my fellow presenters. Let me see if I could connect right now with my screen. Okay, perfect. Okay. Hi, everyone. And I start with the beginning. Okay, I want to present my name is Aurelio Arroyo Gonzales. I'm CEO Cooperativa Jesus Obrero or Cooperativa, the commercial name. And we are located in Guainabo, Puerto Rico. We are part of an ecosystem of creative unions or local cooperatives. We prefer to call cooperatives to express the special characteristic that we present in Puerto Rico. We are a financial institution community on financial institution that are regulated locally regulated but also we have to comply with every regulation of rules and law that any financial institution in US jurisdiction. I want to present the solar energy and for all housing how cooperatives financial responses. What is the financial response of the cooperatives into climate change in Puerto Rico? I don't know if everybody know Puerto Rico saw the obvious phase of climate change in 2017 with the stroke of two major hurricane, category five hurricanes, Irma and Maria. I will I will express I will I want to present two examples how cooperatives are doing in the reconstruction of the island, specifically in terms of solar landings or solar financing and in terms of affordable housing. I want to talk about Jesús Obrero a little bit. We were founded in 1959. We have 110 million assets serving 1111,400 members. We are a CDFI CDFI since 2019 and inclusive part of inclusive members since 2018. We have before to start before starting talking about the impact of the hurricanes and the reconstruction in 2017. I want to express that we have layers of difficulties, layers of constraints in all our economy. We have an island crisis and the climate change economic context. Puerto Rico has been under economic recession since 2006. In past decade, we lost around 60 percent of the population. Most of them moved from to Florida, to Texas and other jurisdictions, other states in the US. We were expecting that in 2010, we have we have almost four million inhabitants and we started losing population in the past decade. The island infrastructure has been degraded to unsustainable levels with electrical grids having the greatest negative impact on the lives of Puerto Ricans. Our electrical grid was served by a state-owned monopoly that went bankrupt six years ago. So the state is bankrupt and our state's own monopoly from generation to the mission of the issue, went bankrupt also. You don't have our infrastructure are in very weak condition. The electrical infrastructure are very weak. And before, after in 2017, we were impacted stroke violently by two categories, five Hurricanes Irma and Maria. Everybody remember Maria, the impact of Maria of the Hurricanes in 2017 were incredible to the island over 3,000 people died directly related with the impact or in interruption of essential services. We experienced the longest blackout in history of the United States jurisdiction. In here in our institution, we experienced almost five months with our energy only working with generators. Hospitals are working, we're working with generators also. And there is a lot of interruptions with the services that impact the health of the people. And that's why a lot of people died because because the impact of the direct or the indirect relation, the impact of the Hurricanes. We also suffer a considerable damage over telecommunication or infrastructure. That because the because the lack of energy or the weak infrastructure of energy or around the island also is estimated that the natural phenomenon, the greatest economic impact in U.S. history, over 94 billions in dollar where Maria I prefer to call natural phenomenon, not natural disaster because you can see that the natural disaster that human that impact the nature, not the nature itself. More than 786,000 houses suffer any damage over 60 percent of all houses in the island. There is there is it is official statistic about the impact in the houses. That's why I prefer to call. I want to to express two examples of the reconstruction and how cooperatives are doing in this in this very very difficult environment. But it was as a community on financial institutions, a great genius everywhere are have values and have principles to reproduce about the cooperative system. But in Puerto Rico, we are going in another in an opposite direction from the economy. And we are I consider we are stubborn. Currently around 1.1 million Puerto Ricans are members of one of 110 cooperatives. That it represents one third of the population. It makes Puerto Rico one of the resilient world where more people per capita are cooperatives members. So it's very important that that that statistic because only three private banks are serving the island right now, which when when you joined the assets of all cooperatives in the island, we became in the third financial group. We are right now the third financial conglomerate in the island. So the people needs us and the the constraints that the economic and the the climate change climate change impact over the island that produce in our population and in producing our community and where our people has to be served by or needs every day needs most from a cooperative or a financial institution near the the the destiny of every of every community. After 2017 hurricanes, cooperatives have increased their membership by over 20 percent and their asset by approximately 25 percent. I consider it this most important statistic. Why cooperatives are doing better than any other financial institution in the mid of of a state bankrupt bankrupt state and in the in the midst of financial of financial constrained the island in the midst of economic crisis in the midst of infrastructure crisis. Why cooperatives are doing very well and is very important because it is related as the related to the answers that we have been given to the climate change issues. This is that's why those those two examples that I want to present for more than a decade, cooperatives have developed a solar energy financing model on the island while private banks were not interested in this market or look for financial alternative. A cooperative began to supply this need locally, creating a Puerto Rico in Puerto Rico, a solar energy industry right now. Cooperatives were the first financial institution that pay interest to to start financing solar energy project, not only residential, but also small and medium enterprises all around the island. After hurricane in 2017, there is not only need to finance solar energy project for economic purpose and for for to reduce the electric bill because more, more, more people has had access to financial to finance solar energy project for their homes or their business looking for reducing the electric bill. But now is the term of quality of life is term of life is is is is a life life issue. Because after hurricane, the people has a weak weak, weak service in stable service and this is a quality of life matter for most of the families right now. In 2017 and right now is very important there are increased number of cooperatives that produce solar energy through solar panels. As mentioned, Melissa, we also provide our space to create to we have to produce our own energy, not only as to reduce our bills is very important, but also to serve as a showcase to the community to to to to to create a connection with the people, the people believe and and pay trust that we have a have confidence that it is feasible and it is affordable for them also and is important for the community. Another example is the company of an affordable housing right now. After hurricane, remember that seven hundred seven hundred eighty six thousand houses suffered damages in the hurricane. After hurricane 2017, a large segment of low to moderate incompletion were left without adequate housing and were displaced. Much of them flew away the island, much of them stay here. But which one has to stay here and suffer the worst part are elderly millennials and blue color workers were left without the possibility of adequate housing to protect them from the impact of natural phenomena, bringing in with it stability and hope of progress. They broke the hope that they have been the progress of the in the life low to moderate people that incomes has no ability to access to affordable housing. Now the federal local government created a very attractive down payment system program for people displaced by hurricanes started last year to date, cooperatives have provided over 70 percent. Remember, we are the third conglomerate financial economy, but we provided 70 percent of the mortgage mortgage loans granted with this program, where average loans range from 70,000 20,000. Why? Because large bank, private banks has no interest to serve that market. So that's why it's important also to to to have this this this network of financial cooperatives or cooperatives or community own financial institution is local capital state locally. My conclusions presenting this in this presentation, this is these two examples demonstrate the importance of community own financial institutions, part of the critical infrastructure security and alternative to the import of climate change in the island. Remember, only three three private banks, 110 cooperatives or around the island. The logic placed in practice with cooperatives and community based capital is to persist, persist in their own existence against all odds. We are not going anywhere else. We can take our luggage and flew away. We have to persist and to adapt to the needs of our people. And one of the underneath of our people are related, much of them in a proportion bigger proportion every day to climate change. That's why we are here. That's why we are presenting right now. Thank you for the for the opportunity and and pass the admiration to Daniel. Really, thank you so much. Appreciate that. You know, at the end of the day, the work that each of us are doing is really about being of service to others and helping others live the best life possible, ensuring that our communities are safe. Our children are able to live happy, healthy, whole lives and that communities and the individuals that live in those communities have the tools and the resources they need to thrive and be successful. At Sea Note, this belief is at the center of everything that we do. Sea Note, we are a women led women founded social enterprise where our mission is to close the wealth gap through financial innovation. We partner with CDFI loan funds, credit unions, minority and minority deposit institutions to get to help get them access to fair and patient capital. And when we partner with these organizations, we are specifically working to change the narrative around how investors and organizations think about supporting communities through their investment dollars. With regards to climate justice, we're currently exploring in partnership with that and her team at Inclusive ways that we can help provide deeper education support and resources to CDFI to really help provide them the tools that they need to better assess how they engage with communities on issues like solar lending and helping to create a pathway to even greater climate lending solutions. And we're also really excited to be working with Melissa and her team at Self Help as we heard before and they're doing such amazing work in climate justice space. Here at Sea Note, we believe our work quite frankly, though, is only as good as the people whose lives we can help make a difference in. In a couple of ways that we're seeing our investors' dollars in actions is through capturing the stories of impact really and how community investments actually make a difference in real time. And just really quickly, I'd love to share a one quick story with with the community investment, how it made a difference in individuals and their community's lives. This story is about a woman by the name of Melissa Gladden. She started a company called Eco Group of the Carolinas with the help of a Sea Note CDFI partner natural capital investment fund. After years of working in the hospitality industry, Melissa started Eco Cleanup Asheville, which is a full service rental and vacation home cleaning enterprise that specializes in non-toxic cleaning products that are safe for water systems and the environment. She later expanded that business into a laundry mat in Western North Carolina, which I find amazing. Interesting in that it's the only solar powered environmentally friendly business in that area. It's called solar suds. And so with the financing from that CDFI partner, she was able to purchase the building. She acquired new energy efficient washer and dryers installed solar panels that really covered the entire square footage of the building. And she's also able to create jobs within the community. So it's truly a win win. And so stories of entrepreneurs who are realizing their dreams and creating healthier, you know, more environmentally focused businesses and communities, you know, why we do that work. And it's often that these businesses also increase local business more broadly, which encourages more people to stay in the communities. And so these stories are really fantastic examples of how community finance organizations are stewards of their local communities. And at CNOTA, it's really a privilege to be able to work with these finance community finance organizations, not only to promote their work and tell their story, but actually allow investors to access those organizations and make investments or deposits to support them in their work. So we are coming right up on the top of the hour. And so we've had so much, you know, amazing things that we've discussed. And I just I really want to I think I have just one question. I'll quickly ask the panelists to give me a 30 second response as we close out, you know, for those of us, you know, for the folks joining us in the room today, what is one piece of advice that you would give on how individuals or organizations can get involved in climate justice and take action today and we'll start with Netta. OK, great. Thank you. I think that there are so many projects that can be supported through platforms like CNOTA through your local credit union. There are many ways that you can kind of invest and even even possibly make some money back in local clean energy projects. Great. Thank you, Michael. Thank you. Yeah, I would also say I'll look at what your local planning agencies and local climate folks are telling you about how your community is going to change the risks that are there and think about how you can turn those into opportunities. Great. Thank you, Melissa. I'd say look through your whole portfolio, both your organizations and your own personal finances, including retirement accounts and start moving your money where your values are as far as carbon. Great. Thank you. And Emilio. We are starting starting the process to access the secondary capital through inclusive. Inclusive are helping us. Creative team are helping us to create a secondary capital market needed to expand our access to our communities, expand our support and services to the people that need the most. Fantastic. Panelists, thank you so much for your time and talent in the conversation this afternoon. Thank you so much to SoCAP for having us and enjoy the rest of the conference. Have a good day.