We have your town manager, Paul Balkeman, with some updates. Thank you, Brianna. So today is our opportunity to talk with police chief Livingstone, who has been with the town for a very long time and has seen a lot of things. So I'm really eager to hear the types of things that he has to say. I want to give you a brief update on what's going on with the team with us right now. As of yesterday, we have 26,867 total cases of COVID-19 that have been diagnosed and or tested. 224 of those are in Hampshire County and 11 cases are in the town of Amherst. As of yesterday, there are 844 deaths in Massachusetts. And there have been 122,049 tests that have been given so far. And so that's one of the things that the state is trying to do. And they're doing, every day, we see additional progress in getting more testing sites, prioritizing tests for people who are first responders, people who are on the front lines, the workers, things like that, especially prioritizing quick tests for them so that they can find out right away if they are subject to COVID-19 or not. So the governor has come out with a number of things, that guidance documents that we have then translated for our community. The big ones that we did this week that we did today were guidance for construction sites. And these are guidance and rules, but the guidance from our inspection services department have been sent to a buddy who had taken out a building permit in the last three months, plus they're included with any kind of building permit that's issued subsequent to that. We also have guidance for grocery stores. The state has put a maximum limit on it, occupancy of grocery stores at 40% of the typical occupancy. And so we are informing the grocery store so they're aware of that. We also have given some guidance to encouraging them to do curbside pickup, as opposed to having people come into their places of business. And we're coming out soon this week with more guidance for other retail establishments. One of the things that we talk about, and this is before I transition over to Chief Livingstone, we meet pretty much every day with the police chief, the fire chief, the health director, as the leads of this with the CPW superintendent, the fire director, assistant town manager, too. Go over where we are in terms of that there had been any incidents. What's the status of our employees? Is everybody healthy? Have there been any incidents with our employees, or are we fully staffed and able to respond to any kind of emergencies? But we do that on a daily basis. And then review topics that have come up. I can sort of alert you that coming forward, we will be talking a lot more about budget. We had been talking about just response and making sure our first responders are outfitted with the right PPE, personal protection equipment, but going forward over the next few weeks, you'll hear a lot about budgets and things like that. So that is going to be a major topic of conversation with the library trustees, the school community, of course, the town council. So as I talked about our COVID response team, many, many employees are contributing to this. And I think the police are on the front lines. And so I'd like to just lift Scott Livingstone, our police chief, has anything that he wants to start off with. How's your, I guess the first question is, how's the department going? Are you guys ready to handle anything that comes down the road? Thanks, Paul. And first and foremost, yes, we are a very healthy agency right now. We have nobody else, either sick or with any symptoms currently, both in police and fire. I mean, excuse me, police and dispatch. So from that perspective, things are going very well. The officers are adhering to all of the recommendations that come through our local health department who we work very closely with and all of the recommendations from CDC and the state government as well. So we're in a good position that way. We have all the equipment that we need as far as PPEs. And the officers are well-versed in how to respond to calls and protect themselves as well as the public. So I'm really good shape as far as that's concerned. Thanks. Great. I'm going to just take a quick chance to remind attendees how they can ask a question using the Q&A button in the Zoom application or by raising your hand in Zoom, star nine for those of you on the phone. We did have a couple of questions come through earlier that are for the chief. So I can launch into some of those if you guys would like. Sounds good. So some of that you just covered in your statement there. But we have someone asking, are you still going into people's homes? And what are the major impacts to your operations or changes that have happened? So sure. That is one of the, when we decided how we were going to respond to types of calls, certainly things that we took into consideration as a, are there certain calls that we can no longer respond to? And by that, we looked at our medical calls. Typically, pre-C19, we would respond to almost all of the medical calls with the fire department. So we've had to revisit that and see which types of calls we could cut back on. And we've done that. If there's an emergency situation, we would still respond to those. But your general, if somebody's got a cough, if somebody's not feeling well, we wouldn't respond to those necessarily. But if an individual obviously injures themselves at home, falls, breaks a leg, or has a heart attack, we are certainly responding to those. And we would don't the protective equipment that we have issued to us. Some of the people's homes, we try and admit that. If it's something where they want to report, let's say, for instance, a larceny, we would ask that they step outside and interact with the officers in a safe distance, the six to eight foot range. And we can still take the information we need to file reports, that sort of thing. But we've really had to change the way we've operated as an agency because we were so very, our philosophy was always about community policing and community outreach. And we've certainly had to change that. And it's taken the officers are getting some use to because it's kind of the opposite of how we operate as an agency. So it's been getting a little bit weird, little bit getting used to dealing with people from a distance, I guess. I notice you call it C19. I call it COVID-19 or coronavirus, but at least work is it C19? Is that how you reference it? It's shortening things up, for sure. Just a term that somebody started using in the agency and I think it's stuck, so interesting. We have another question here for the chief. They say they see people gathering in groups from time to time. And it may not be more than 10 people, but they worry that not everyone is taking the stay home order seriously. And they wonder what they should do when they see something like that. Yeah, so we'll respond to the people who are really concerned and call will certainly respond if they want us to. I think for the most part, we'll take it on a case-by-case basis. So if it's a group of young college-age people are hanging out, let's say five or six of them on a fire pit and they're not adhering to the social distancing part, we will certainly go there and remind them of that. But just generally getting calls about, hey, I've seen this group. We would discourage people from just calling in indiscriminately, because what we were seeing is people would be driving by a location, for instance, and then try and report something to us. And the information gets kind of clouded. And sometimes we didn't know where we were responding to or what we were responding to. So if there are very specifics that somebody wanted us to respond to, we would certainly still do that. Great. Something that came up last night, I think, was about the notch and whether that was open for people to park there. And is that something that you would respond to or what's the rules around the notch in the visitor center there? Yeah, so a couple of things. As I mentioned, we had a call come in from a pastor by maybe a week and a half an hour, maybe two weeks ago or even where they said, hey, there are a lot of people hanging out in the parking lot, probably preparing to go for a hike. That's not something we would typically want to respond to. It's just too general for an officer to be going up there and trying to decide who's in violation or who's not. And then we receive further information from the state DCR that they're actually going to close that parking lot down this past weekend. And we had conversations with how that would be regulated and how officers could possibly respond to something of that nature. The biggest problem we had from the Amherst Police perspective is we don't have jurisdiction over the street, over 116 in that location. And the parking lot is included in that. So if we were to go up there and trying to enforce parking regulations, we really don't have the authority to do that. That would fall on the state's jurisdiction. And that was one of the things that we tried to speak to the DCR people about is if there are violations, we're kind of stuck doing a rock in a hard place about how to enforce that. Because we envisioned if they close the parking lot, that people would start parking in the streets. And that would become even more of a hazard than if people had just had the parking lot access to the parking lot in order to go on their hikes. So as it turns out, I did dig a right up there on Saturday morning and saw that they must have changed their minds and decided not to close that parking lot, which I think was a good thing. This question is kind of related. So with warmer weather getting here eventually, do you worry about big parties that happens in most springs in town? And if so, how will you handle that? Sure. So I don't know if Worried's right. We certainly have discussions, and it's something that police officers themselves talk about frequently. What we have learned, and we have a close relationship with most of our landlords, a large portion of our young people have gone home. We kind of anticipated after spring break that a lot of them were going to stay in town in their rented apartments and do their distance learning from their own apartments. And it doesn't seem like that's the case. At least not as many as we thought we might see. So are we concerned about large gatherings? Yes. Worried about them? Maybe not so much. But what we'll do is we'll handle those on a case-by-case basis as well. We flat out don't want people hanging out in large groups, just having drinking parties that goes against every regulation that's coming out from our local health director, the state and the CDC people. So we would approach those people and ask that they disperse. So we will frown upon any large gatherings of that. It's just the idea of partying in mind. Great, thank you. We have another question here regarding downtown. And the caller says they've been downtown the other day. It looks pretty vacant and quiet. I know a lot of businesses might have closed their doors for now. And they're wondering if the police department are doing anything to protect the closed businesses downtown. Sure, so we are. And that's absolutely true with downtown. And I walk through downtown just about every day myself during the daylight hours. And it is pretty sad because it's always such a vibrant and busy downtown. But it was one of our biggest concerns my staff and I spoke about it. And the first things we decided is that with each shift now, officers will be responsible for going around and actually checking door knobs and going old school where we used to have an officer do center checks. And that's what we're doing now. And we were able to find a few open doors and notify the business owners. And they are very appreciative of that. And we've also had to make unfortunately, had to make an arrest in the downtown business from a break in that had occurred. So, you know, but we are out there on every ship checking businesses to make sure that they're protected. Paul, did you have anything to add on the local business front? Sure. So yeah, we have had in regular touch with the business improvement district and with the Chamber of Commerce meeting weekly with them to talk about the future of downtown, talk about the businesses that are struggling and trying to do everything we can to help them survive this drought. And hoping that as many of them as possible will come back. I think one of the challenges for a lot of small businesses is that they work on very narrow margins. And that's not, there's no different in our community as well. We have had some landlords who have been really generous about forgiving rent or delaying rent payments for several months. So that's a really important thing for our local businesses. You know, I'm trying to do as much, you know, whenever I can go and buy things, you know, take out meals and things like that just to help them get through this very difficult time. The unfortunate thing is that when for restaurants especially where a restaurant dependent economy, when we come out of this, no one's going to go and buy two dinners. They might go back to the restaurant but things will fundamentally change because they may not be able to have as many tables and they may not have as many people as closely in a space. But we don't know what that future looks like. And we believe that we have really good foundation in terms of we are an attractive community where people wanna live. We have the university and the two colleges here that has a ready employment base. But we think we will be poised to come back and we wanna be ready to get a jump running start when we do come back. Great, thank you. I have another question for the chief because if I remember correctly, you've been an Amherst for a big part of your career, we'll say. Have you ever seen anything like this in Amherst or anything that you can recall that was similar? Yeah, so I have been an Amherst as a police officer for 40 years, which is a long time. And I like to joke that I started when I was three years old. But nothing even close. I mean, I was a beat officer in 1978 when we had the Blizzard and where we got four or five feet of snow. And for a couple of days, nobody was making around except for police and fire for the most part.  But nothing to this magnitude. This is just unprecedented and unusual. And just how we have to change, we respond to calls and just all the protections that are in place. This is unbelievable really. And I guess the theory thing is nobody quite knows when it'll get back to normal. That's another part of the whole weirdness of it, I guess. Yeah, absolutely. That's interesting. When you talk about that, Chief, we keep thinking about, well, how is this gonna change the way we do business? So right now we're having all of our committee meetings on Zoom or something like that and doing a lot of meetings remotely through Microsoft Teams. And I wonder, we start to speculate, is that gonna be the new normal or are we gonna go back to just how we've always done things? I would guess that for police and fire, you're less susceptible to different things because what your business is about is responding when people call and showing up present. You can't zoom into a house if there's a complaint coming from somebody of a burglar or if you're of a burglar or something like that. And I think the training, what I've always been impressed by your department is the level of training that you have given that you've made sure all of your officers get and just seen it in action with how they handle very difficult, challenging things like domestic violence things or people experiencing homelessness who might be mentally ill as well. But do you see any substantial difference that will stick on how you're doing things now? You know, I hope not because, you know, and it's funny, funny, not funny, but the police officers themselves don't really like the way that we have to respond and interact with people. And the best way, the best description I can give is that, you know, we had a software that we used in order to let the citizens report little things online, like for instance, all large cities you could report online like if your bike was stolen or something was stolen out of your yard. And it was the officers themselves who said, you know, we'd rather just go to the house and talk to the people about little things like that.  And they're hoping that it doesn't last much longer. It's the face-to-face interactions that police officers have with the public mean something to them. And I'm talking most of the time, it's very positive. So, you know, we hope that it's not going to be the new norm. This is the way we're going to be doing normal business. It's interesting you say that because when we interview new police officers, one of the questions we have is if you came to work here and wanted to just respond to a call every once in a while, this is not the department for you. This is a very big department. And we get people who want to be doing police work actively and have a broad array of different police work that they have abilities from sort of, you know, broken window type things to high-level groups. And I think that's the type of officer that we recruit and it comes here. And so I can imagine how that is just, you know, they might, I'm not saying they're bored, but that there's just not enough activity for them and that person-to-person activity is what drives them.   That's for sure. You know, they want to be out and about and seeing people and trying to reassure them that things are going to get better and the community is still safe and but we're there if you need us. Great, all right. Well, I do not have any other questions that were submitted. Do you guys have any parting statements that you'd like to leave our viewers with? Chief? No, I think, thanks for the opportunity, Paul and Brianna for this. I think it's great that the public, it's an opportunity to see this and be involved in this. And, you know, I would just add that if people need us, we are there for them and we'll get through this together. We have a great, great community, the town of Amherst. And I'm sure we'll get through this with flying colors. And I'd just like to add that, how much I appreciate the support of the community, the broader community and the council. It's a really hard time to be an elected official, I think and trying to figure out what's the right thing to do. And I think they've done a really marvelous job at hitting the right notes at the right time. And I also just, the general public has been so supportive and thankful for the work that everybody in the town is doing. So it's really appreciated that it really mattered for us, right? Absolutely. Well, I do want to thank Police Chief Scott Livingstone for joining us today. If you have any follow-up questions, you can email us at info at AmherstMA.gov. We will be doing this every Tuesday and Thursday for the next couple of weeks at noon. So if you didn't get a chance to ask all your questions today, please feel free to join us on Thursday. We'll have school superintendent, Dr. Michael Morris with us, as well as health director, Julie Federman and town manager, Paul Baucheman. I just want to thank everybody for tuning in and we will chat with you soon. Great, thanks. Take care. Thank you.


Mr. President, we have a very special ceremony today, and J.J. Quinn will introduce you. Mr. President, I'd like to introduce Sir Anthony Ackerman. Yes. Hello. Mr. President, I'd like to see you as always. Good to see you. This gentleman needs no introduction.  Thank you, sir. Mr. President, nor may I answer your questions. Mr. President, I'd like to see you, Secretary Webb. Of course. Good to see you and the Christine of the Week. Mr. Charles Adams. Hello. Mr. President, I'd like to see you. Mr. Peter Stamford. How are you doing? Major James Forsat. Hello. Mr. President, I'd like to see you. Mr. Regen, I'd like to see you. Mr. Bishop, I'd like to see you closer. Mr. James Macalester. Mr. Commander. Mr. Commander, I'd like to see you. Mr. President, I'd like to see you. Mr. Regen. Mr. President. Mr. President. The new uniform required by the President. I know. Yes, a special command, Mr. Chairman. Well, Mr. President, the National Monetary Historical Society is proud to join with the World Ship Trust in conveying the maritime heritage medal for presentation to our nation's most famous ship USS Constitution. USS Constitution carries a message reaching out over the horizon as Admiral Harley Burke wrote in our journal See History and that message does indeed reach out to future generations of Americans. USS Constitution is the flagship of the historic ships movement in the United States. These ships challenge us with a high hopes and high endeavor that built the United States, a nation born of seafaring. Past generations of Americans struggled to make sure that the Constitution delivered her message to us in our time. In 1830 Oliver Wendell Holmes delivered the appeal that saved the ship from the scrapyard when it was mistakenly thought their earth useful life was over. With his spirited poem old Ironsides he meant the American people to keep her ensign flying and we did. We're here today to salute that ensign and to keep it flying in our time and in time to come. Mr. President, Mr. Weinberg, the Secretary of the Navy, and as a member of the North, Mr. Stanford, gentlemen, Admiral McLean, Lord Louins, I hope, as you know, has done much for the preservation of historic ships to the World Ship Trust. It's sadly much disappeared, unable to be here today. But he asked me to take his place and I am, of course, delighted and honored to do that. We are, of course, celebrating this year, the 200th anniversary of the Constitution of the United States. And ten years later the ship bearing its name was launched in good time I might add, and passing for the war of 1812 when it engaged more than one of the British vessels. But another famous ship from that era, the Etima's Victory, like the USS Constitution, remains on active service and both have visited each year by very many American British citizens. Both, Mr. President, were symbols of the commitment by the American British navies to the cause of freedom and navigation. The medal itself, sir, was just arrived from Britain. It's a beautifully carved and grave piece of cuter housed in a box which is in itself a work of art and which is made from wood taken from the USS Constitution. It is the fifth World Ship Trust award and the second to an American recipient. And this is a fitting tribute to respect which the United States pays to its naval heritage. All those involved, Mr. President, are so delighted that you personally have been willing to make this presentation. And we thank you. Well, I thank all of you for the honor of being able to do this. I'm going to serve as the commanding officer of the ship. I'm very pleased to present this maritime heritage medal to you on behalf of these societies that have been mentioned here. And I think it's very fitting that this, our 200th anniversary of the Constitution, that we recognize this on the hundred and thousandth birthday of the ship. And to the members that's obsessed in that they did the best. Thank you, Mr. President. Mr. President, I'm greatly honored to receive this on behalf of the crew and all those who have worked so hard to keep the Constitution in the tutorial status that it is. And gentlemen, I thank you all. Thank you, Mr. President. It seems strange that some of our day bests are really unlawful. Mr. President, this is not very well done. It seems nice to have it from aboard this day. Now that I know the significance when that came in, I did not know where it was from. You know, there are some British timbers in this room also. There was a British sailing ship that was lost in the ice on a rescue mission toward the North Pole. And it was abandoned. Some years later, in a completely capital-founding boat, the ship out. The United States refurbished it and delivered it to them. Then some time later, we delivered it to them to do it. Sometime later, a 1,300-pound package arrived in this country. And the ship had been decommissioned and the ship's planks is beautiful. That's why there's only had to be one thing, one addition to it and have a very high administration. You notice that little bottom line around there? Well, people were ever to be smaller in those days. I found that I couldn't get on the desk without funky. So, a hard work added that one additional layer of the bottom to kind of raise the desk up. That was uncomfortable. And that is a British brand one of two timbers in this house. Our British timbers have come back to decorate their offices. That panel in the front with the sail-sea element. That's the doorway to John John, President Kennedy's son. Mr. President, thank you very much. Thank you, Mr. President. It's my honor to be with you. Let me tell you what I got here. I'm going to check your passing form, but Gameball presenter from Chairman Georgia on December 17th Oval Office, Washington, D.C. For your leadership and achievements throughout your administration, creation of the National Fitness Foundation, development of the United States Fitness Academy, establishment of mild youth fitness camp programs for kids kindergarten through six, and the signing of the first USA-USSR Youth Fitness Exchange Agreement. That's the first time you ever saw a ball that had the Soviet flag. Well, thank you very much. Let's see your director. He's got two laces. Fingers on two laces. Yeah, this is Mrs. Allen. Hello, Mr. President. My son, George. I'm going to hold that while you do the family photo or do you want to have it in the picture? I don't know. Maybe we should have it in the picture. All right, okay. I know you got a lot of danger there, but this is I'm going to tell you, this is terrible. I mean, I should tell you this, but when you noticed this in the passing, I played right guard and I tried it because you know the right guard pulled out of there. I tried to convince the coach once that we ought to have a play, but when I pulled out instead of interference, I got the ball because I could outpass all our back feet. Oh, I never convinced him to do it. Well, you had the correct technique. You shouldn't give me a chance. For your library, this is the agreement between the state committee and the physical culture and sports in the U.S.S.R. and the President's Council of Physical Sports, USA, and this was signed. This is the agreement Soviet U.S.A., Soviet Youth Fitness Test, 9th day of February, 1980s at Washington D.C. The story exchange was brought about through the vision and leadership of President Ronald Reagan and we have a little slide there, a gift from him. If it hadn't been for you, I wouldn't have been here. We're just going to get a picture of this. Okay, just one more. Thank you. No, I'd say there were times, Mr. Fenn, I thought, how do they ever get into this city? And the reason I stayed and stuck it out was because of you, because my belief in you and the job you're doing, and that's the way we feel about you. And, well, thank you. And Nancy, thank you very much. I had a few souvenirs. All right. I think I'll tell your family there that I have a little memory of him back when I was governor and my son was about the A.I. Oh, yeah. There was a game at the end of the season that didn't mean anything anymore. Yeah. It had been decided. Yeah. And the Rams kind of began to come unglued. Some cynical people sitting around us and saying, you know, the game doesn't mean anything, so they're probably not trying and all that. And my son was a worshiper, and he was breathing. And when the game was over, trying to ease his disappointment, I told him that we had an invitation to go to the locker room. Well, down we went and we walked into the locker room. And I couldn't have asked, as a father, for anything greater for a small boy. The guys in there were jumping on each other and themselves about how lousy they were and all of us, and he said, all right, let's say thanks. And my son saw those big hawks driving to their knees for air. And it was a very wonderful day. Now for you ladies, these are key rings. They're different than they're going to get because these are from Nancy. Oh, thank you so much. That's very lovely. Thank you very much. Oh, that's good. Wow, thank you very much. That's lovely. Thank you. Beautiful. Please give my best regard to Mrs. Gray. Sure will. Tell her I'd buy her a great deal. Well, thank you. She had a lot of courage. I just went through the same thing she did. And I know what an effort it is. Yes. But I had the luxury of not having to have any public appearances, you see. And she did have that. Really, I feel a lot for her. Both of those last year kind of had a public pulse taking by the house. All right, all right, all right. George, you know what George was the Republican leader for you? Well, chairman of Young Virginians for you in 1976. 1976. And of course in 80 as well. And he just got reelected. Virginia legislature. And I know you don't remember all this, but the one thing I remember that she did was I had many operations in the hospital that flea by us. And you called in 1979. Is that right? Yeah, I did. He had the whole, you know, he had all the nurses. This is before you were president. Yeah. Had all the nurses at Twitter carrying on. Oh, yeah. Oh, that's right. I can't believe he's helping make blogs. My son used to go through red lights, you know. Oh, yeah, that's right. I really appreciate you taking the time to see us. Well, my pleasure. And thank you for running our country. And for doing all you're doing for us. We admire you. Sometime along the way, we'd like to honor you as a banquet for men of the year and neither New York or LA. Would you consider that? I hope the people are listening. Right. These others kind of decide where I'm going. I'm going to do it with them. Wow. Thank you. All right. Usually, he and I do a few push-ups or set-ups, but we won't do that to you now. Thank you for the follow-up. Do the follow-up. I'm going to mimic her. That's good. You're so happy. Come the ranch. Have a great Christmas. Have a great New Year. Yeah, have a wonderful New Year's Eve. And if anything I can do to help you down the stretch, let me know. I will. Especially if it's a tough job. Thank you. See you later. Good bye. All right. Thank you. Nebraska. Mickey McCall. I understand you had a very fine conference in Kansas City. I'm sure you did. Sorry. Mr. President, we only find it appropriate at this time that the six of us have the opportunity to bring you holiday greetings because we have over 430,000 FFO members across our country who would like to say Merry Christmas. And personally, we would like to tell you that although we realize that there are a lot of difficulties with the budget or deficit or whatever it may be, we right here today would like to say thank you for everything that you have done so that we as American youth can enjoy the freedom that this country has built upon. God bless you and thank you very much. I feel grateful to all of you for what you're doing.  And so we find it appropriate at this time to say thank you for all the service that you've given our country, but also good luck as your final year as President of the United States of America. Thank you. I'll try to deserve it. We have a message of Christmas hope to share with you. It is a poem entitled Take Time which was written just two short weeks before a young FFA member, Sherri Nelson from Melba, Idaho was killed in a plane crash upon returning home from our convention.  Take time to recall the good times shared with old friends and loves, but don't live in the past. Take time to wonder what the future may bring, but live for today, because today is everything. Take time to share yourself with friends and family too, and remember take time to love. For those who love can be loved too. Thank you very much. We would be honored if you could join us next November in Kansas City for our 61st annual FFA convention, but President Reagan it has been an honor and we thank you for taking time to share with us this afternoon. As you know I don't have a hundred percent control over it. I'm telling you I was going to wonder if 15 minutes is what I'm going to do. Has there been any notice of that or anything sensual that Yeah, we'll work with them and see if we can. All right, because I'd like very much to do it. I look forward to seeing it. Where is it going to be? In Kansas City. In Kansas City. Every day. 24,000 members joined us this year and we're planning to break that record. I remember a convention in Kansas City. Yeah. These are key rings, and with the seal of the United Arab Emirates here. Thank you so much. Visit here. Thank you. God bless you, sir. Thank you. Thank you. I'll tell you a little history more. I know we've got to hurry and let other people in here, but a little history note about that seal on there. If you look up there and see that the eagle is turned, it is heading toward the claw that is holding the olive branch. But on that ancient old desk there, if you look to the seal, the eagle is facing the arrows. And it was after World War II that Harry Truman decided to have our sign change the other way. Thank you, sir. Thank you. Merry Christmas. Merry Christmas to all of you. Thank you. Thank you. Okay, good luck, baby. Your Armier, it serves. Yes, I know. Well, I guess sir, but I have some time yet. It won't be until sometimes in Juana. But I have about six months of school to go through first. Oh, you said it. I guess we have a retention problem. I'm not sure we'll start over. You have a little time yet for some horseback riding. Oh, yes, sir. A little. This is my wife, Christie, my son. Wait a minute. Nice to see you again. It's nice to see you. How are you? You look well. We were so glad to meet you. This is my brother, Dennis. Thank you. Well, I think you and I both... Yes, sir. We get to stand by versus the bar play. We'll be joined later. Citation, the company award in defense period service medal Major Ronald D. Thomas, United States Army, has distinguished himself by exceptionally superior services. Army aid to the president since May 1986. Major Thomas continually displayed superior leadership, exemplary foresight, and tireless effort, which were paramount importance to the president and the nation. In his highly visible position, he routinely planned and coordinated numerous events of national and international significance. His role as an emergency actions officer was accomplished with expertise and professionalism. Major Thomas served as the White House agent responsible for supervising the use of Department of Defense resources, supporting commander-in-chief travel throughout the world, including both Canada and Berlin in 1987. The distinctly distinctive accomplishments of Major Thomas reflect great credit upon himself, the United States Army, and the Department of Defense.  Yes, I know that. Yes, like Chrissy's going to assist you with this. Do you want to come to my lab? Thank you. Promotion ceremony in honor of Major Ronald D. Thomas by direction of the Secretary of the Army. Major Ronald D. Thomas was authorized to wear the insignia of Lieutenant Colonel in effect to 17 December 1987 in view of his nomination by the president and confirmation by the Senate for promotion to the rank of Lieutenant Colonel of the United States Army. By order of the Secretary of the Army, Carl Yvonneau, General of the United States Army, Chief of Staff.  Kenneth, why don't you come right over to the end? Okay, right. You know, you've given a lot of yourself to not only our country but to each and every one of us. This is a little personal thing that I wanted to do and just to my personal thanks to you. And this is an Illinois staff officer with a state seal, started in 1865. So from one cavalryman to another and from an aviator to an Army Air Corps officer, I wanted to give you these. And this is a little memento. Not for you. These are from the Civil War, yes sir. And they were, I don't know the, I guess I'll have to make up a story and send you the name about who the officer is. But that's what they're from there, from the Civil War. And they were worn by some staff officer from Illinois. Thank you. Yes sir, my pleasure. Thank you for two good years. I've enjoyed it. I'll be serving you still in the Army, but if you ever need on me, you can always call. Thank you. Well, thank you for all the service. Thank you sir. That's great.


And by also state governor Senator Doyer Deere has alerted security agencies to applaud by the opposition in the state to cause mayhem in or be at local government area during the November 11 governorship election. Governor Deere also accused the governorship candidate of the all-progressive congress chief Timmy Prusilva of being anti-development and anti-progress. You forgot that there was no road from Aqaba down to Ayama to Okodi. You forgot there was no road. Today that road is ongoing. You forgot that there was no road from Nimbay to your own place again. Brass. Today we have started construction of that road from Nimbay to Brass. So what have you got to campaign throughout your stay in office for five years as governor? Not one single youth was taught how to fish. We have serious skills acquisition program. Thousands and thousands of youths are being taught how they can live the rest of their life without begging somebody.  Is that the one you want?


Yep, got that here. So if there are any questions in between, definitely put them in the chat and I'll try to get to it at the end probably. So again, thank you all for being here from all around the world. My name is Pim Bellingha. I am now live from Amsterdam in the Netherlands and in this coming 20 minutes I'll share briefly with you some of the stories that we see from our perspective from Graspold with all the universities and schools that we work with and I'll probably breeze through it. So let's see where we'll get, but the main takeaway I think is that we sort of try to summarize all of the experience that we saw in sort of seven patterns of collaboration on how we see institutions working together and of course I'm very interested to see if you actually sort of recognize these and if they sort of match your experiences and your views and the idea is that being aware would help sharing best practices so that you could sort of match your situation with others and in this talk I would like to focus on certain resources because of course there are all kinds of resources and open resources but the one that in this talk I would like to focus on are exercises, online interactive exercises and the question is then to sort of how do educators from different institutions collaboratively create and curate these open resources, these open exercises from of course our view from Graspold. So just real brief introduction. I'm from Graspold, a social enterprise also based here in the Netherlands. The name is a merger of two words to grapple, to struggle, and to grasp, to understand so we hope to help students get from one to the other and we're very happy to have been and now since this year a member of OE Global but also in the past years sort of following all the great work that everybody's is doing on the open education field. I started a few years ago as a teacher, statistics teacher and I wanted more time to do interactive things and that meant that I wanted to use exercises so that students could really practice the basics by themselves in their own time and pace but what I found is that meant that I either had to create a lot of exercise at myself or use a well often copyrighted publisher and I really didn't want to do that for my students because it was a crash course, it was a very brief course but then I was stuck a little bit because yeah I was sort of stuck in between these two things and what I noticed is that actually a lot of other colleagues had the same thing so what I noticed is there were a lot of great things happening, there were a lot of people creating wonderful resources but it was not really shared and that sort of got me together with my co-founder Thais and the rest of our team to sort of embark on this mission to make education more accessible and personal for everyone especially for statistics and mathematics as that was the course that I was teaching and to help build on each other's contributions so that's when we started Dressball, a collaborative practice assessment and editor platform for open exercises on math and statistics and so real brief you can collaborate, edit, you can select a lot of exercises and create them into different courses so that students can practice and get personal feedback and in the end as a teacher you can also get the insights and see if students actually master those topics and then sort of use your precious time to focus on the things that they really struggle with and a lot of those exercises are also created by us and they're shared under a Creative Commons license out in the open with no need to log in so if you go to Dressball.com.com you can just access them and we're still sort of publishing more and we're very pleased and proud I think to to receive the OER Collection Awards a previous year. Now we're not only sort of dedicated to open in our own platform but we also really want to make sure that it's actually interoperable so just sort of a brief plug that we're also hosting an asynchronous action lab so to try to form a standard for these exercises that they can actually be shared between programs so that it's really open not only now but also in the future and with doing that we now have 25 million answers by 51,000 students on those exercises by a lot of different organizations and it's those organizations and their experiences that I would like to focus on their examples that at least we see in the field and to summarize that into seven patterns and these are the seven patterns visualized and of course I'll explain briefly what they are but maybe first the idea is being aware of these of these patterns will hopefully help sharing best practices and experiences between organizations a clarification of the symbols so the square is an organization the blue circle an instructor the green dotted circle a student the hexagon a supporting staff or team and the arrows are either either sort of the reuse or the publishing of exercises and what we encountered is often a first step is just informal sharing you have colleagues maybe at different institutions they created some exercises and they're they're interested are there maybe other people who have also created exercises that I can maybe use their exercises I'm open to sharing if people would like to use it and so then often what we try to do is actually bring these people together sort of yeah work as a sort of a liaison to bring these often disconnected efforts together but often that's that may that may sort of stay yeah often informal so that's one of the first patterns that we see informal sharing the next pattern is one that we encountered at Utrecht University for example so it's quite a big university in the Netherlands and a few years ago the methods department started collaborating due to a big curriculum change and they actually created a lot of resources and what we saw there is it was sort of a community internal so there are a lot of teachers all creating exercises reusing exercises from each other curating their own exercises so it's really an internal community at least at that time there was not really being a lot of collaboration with other communities yet but definitely internally this was a strong community creating and reusing exercise for example that we created but they also added a lot of the things actually to the repositories began because everything they created they also shared openly then the third one we see at the DPU Delft it's a technical university they really have intervision open education of course they also co-host this conference and the thing that here I would like to point to is their mathematics education where they have a special team the project innovation mathematics education and what that team does is they create a lot of resources so for example last year they they released a lot of linear algebra exercises they created those and then already released them out into the open so everybody can use it but they also create a lot of now sort of really I would say value added videos with then questions that students can practice interactively and so what you see there is the team really I would say works as a sort of an in-house open education resources publisher so they really do a lot of the production work so that other teachers can actually use that work and I think this is a really interesting pattern to see because I think that can really sort of enhance and add to the quality of the open resources and that leads us to the fourth example and that is at a different university in the Netherlands at the University of Zwente and here I would like to focus on their modularized math courses for all technical students because what they did they recently switched from a commercial copyright publisher to open educational resources but they they did sort of struggle because they didn't have the time to invest to sort of curate and filter all of the open educational resources and so then they asked us to to sort of function as in you would call it external open publisher where we actually did a lot of the curation and the filtering and and the selection so that we could create a sort of ready to use a package of open educational resources at the same quality and the same yeah same broadness as copyright publishers would do but then open so that they could also build on top of that and that they could also edit everything so they would actually have more control and this is sort of the fourth pattern that we see it's again a sort of a production team but now externally and what I'm very happy about is that we now actually see that it's exercises created by the TU Delft that are now being filtered a selection of that is being used at Zwente they're now adding new exercises and those are shared back again to Delft so now we actually have these things mingling and actually these communities touching and sharing more exercises and the sharing between institutions leads me to the fifth pattern because here we see four universities departments from four years universities are working together to create one public repository or statistics exercise and that's the share stats project it's a government subsidized a big project by surf it's hosted and what we dare see is a really a formal community of practice so now we have different communities at different institutions really formally collaborating sharing all their work it's a two maybe even three year project and it's very structured and all of the resources that they then curate together are being shared and published sort of in batches so that's really the fifth type of pattern that we see it's a formal collaboration between communities and then the last two so I think the sixth one that we see is a student driven curation so yeah it's it's not exactly the same as collaboration but I did want to highlight it so I know this was happening at some medical faculties where they said there are so many open educational resources but but it's really hard to estimate the quality and then they actually asked a lot of students to help them with curating that sort of very broad selection into a into a more specific selection and then actually that was being sort of shared with with the instructors so that they could do the last curation really go into the sort of the topical quality of the of the exercises and and then that selection again was shared outside so that it's actually a lot of value add that was being brought from there so here there's not a lot of collaboration between universities but it's it's really the students who who are really helping here but here the students really still had a sort of more only a curation effort but I'm really excited about to see happening and of course this really ties I think into the open pedagogy movement also is something that is happening here at the the Hogeschool of Amsterdam so right here in the city the focus here is on a course for future mathematics teachers because there is now a pilot going on where it's student-driven creation so actually students create a lot of exercises the same thing they'll have to do when they become an instructor they review them share them see what works and then sort of the the good quality ones can then later on be shared internally again or also externally to help people practice so this is really where it's the students who do the collaboration and and then sharing it again so those were the seven patterns it's it went by very fast but I hope that being aware and seeing the patterns like this helps sharing sort of best practices and an experience to see sort of if if you actually have the same kind of collaboration and so the first question would be sort of question 1a are there more patterns I'm really interested to see if if you see other patterns in in your institutions and maybe a second question is is there a pattern that actually matches the way that you collaborate so maybe that would be an interesting one to to go into the chat and to see if there are people who think that they see more patterns or if there are patterns that actually match the way that you collaborate with your colleagues and then as a sort of a final note or insight from us is that we really see an interesting role for these OER publishers whether they're in-house or external because we think it really helps teachers who who don't have a lot of time often because they have so much to do and it really helps them switching from copyrighted resources to open resources and then that can really help to then sort of build on from their collaboration once they sort of have that first set or selection of materials ready so that they can actually sort of do their normal instruction and then edit or adapt these materials and then start sharing by themselves and I think this is really interesting then we really get this this movement from disconnected efforts into building on on top of each other's efforts so let's work together to make education more accessible and personal and I know you're already doing that but let's see if we can sort of connect our efforts more and contribute to that so thank you OE Global, a last shout out so if you want to contribute your input also to an open format so that exercises that are being created in different applications can be more easily shared please visit our open format workshop and finally if you want to see the resources go to graspable.com slash open if you want to connect on twitter at open graspable but for now let's move to the chat and see if these patterns actually match and if there are patterns that you that actually fit the way that you collaborate thank you wow this is great Pim I really love the notion of patterns and I put that question into chat which patterns match how you collaborate we do have a couple of minutes does anyone in the participant group want to make some comments related to this notion of patterns and which ones seem to work for you you're welcome to grab the mic and speak directly I think it's always the awkward silence moments when nobody knows if they should speak but I'm really interested to hear Paul do you see other patterns in collaboration because of course you also see a lot of different collaboration between institutions all around the world are there different ways that you see people connecting or collaborating yeah well I guess I'll just say this and that is that I've never conceived of this idea before of like patterns of connection and those kind of representing kind of best practices and so I will say that it's got me thinking now Pim and I'll be kind of examining what I see happening in the global context from this particular lens I'm also very keen to kind of get a sense of it's like some of these patterns are what I'll call micro ecosystems to relate to something I was part of yesterday you know where it's happening within a kind of very regional context and then to what extent will that pattern then be the same or different when you move beyond that kind of micro ecosystem to something more macro where you're engaging other countries let's say and I don't know yet it's just very thought-provoking so it's one of the more it's been really fascinating and Robert has mentioned patterns where non-university professionals are sharing that's interesting too yeah so I I guess we'll have to stop here Pim but I'll just say thank you so much for this very intriguing idea and very fascinating way to represent sharing I think that's a powerful thank you thank you Paul and all the attendees of course thank you all for your your attention and time


So we did a merge cube about a utopia we made and each side is like a different part like this side was natural resources This one was government and then we have like them talking to like text boxes for them to talk Like this time was like climate and like they're talking and talk about it And this that was like our economy of our country and then so so like the support like the bubbles say like How we've allowed a supply and demand in our country and then it also Explains how like yeah, just a pie and demand on this side And he's like lifestyle like there's like like the food they eat Like what like the kids and the parents do and like we can also like make them do different animations Like it's like some of them are dancing some of them are sleeping when I was riding a bike There's also an inside which we made but we don't really know how to get it onto the inside But there's like a house on the inside. Yeah, and we kind of made it to kind of see through It's like you maybe feel like the kitchen a little bit, but yeah, that's what yeah And then there you go to the this is a government side and then we had it so those nine representatives representatives and like everything Everyone makes like these guys all make decisions just for the country. Yeah, that's it


No, it was another thing that gets badly referenced, and I made sure I spoke to Frank about it. I was hoping to say I'd been with teams like that, and sometimes it does feel like that. Slightly different here, because if we take the chances that we're producing, you know, you win games. So it's a slightly different thing, but there is a theme there when you go, okay, sir, how do you win a game? Do you defend out? Do you attack it out? Well, the way I've been playing, we should be attacking it out and scoring goals, and that is a way of handling a game, because you put yourselves in front, of course, the whole dynamic changes, the mentality changes. Finding a way is sometimes coaching the management, sometimes it's on pitch, you know, the player's feeling it, what are we doing to find a way?


Welcome to Digital Assets News to get top stories and cryptocurrency and digital assets and bring them down to bite-sized pieces today. We got a lot of information to go over and it is a smorgasbord of a variety of great topics. So first up, Ethereum whales still on the rise despite immense price dip. And when I start to look at the market, I want to know what smart money is doing and this is a fantastic indicator. Also looking towards the traditional market, UK Digital Bank Zigloo launches peer to peer payments for Bitcoin and Bitcoin Cash and if this doesn't make the traditional bank sit up and take notice, nothing will. Also Analyst Dave The Wave says Bitcoin facing one last test ahead of rise to 120,000. I'm not real big on Bitcoin predictions, but what he says in here really got me excited. And finally, I almost feel guilty talking about this subject, but Binance joins the DeFi craze, unveils new platform for yield farming. The reason I feel guilty is because people have been losing their shirts on DeFi and also making a lot of money for the ones who get it early. This one will probably be enormous and I'm very weary of the whole DeFi craze, but this is the news that's out there. So I leave it to you. Finally, we'll go over a cue of the day, which happens to be a topic which talks about death and digital assets. And we'll go over there at the very last part. But first, let's jump into the market. So today it is September 8th, it's around 1230, almost high noon Texas time, and looks like a little bit more of a red day and not surprising. So Bitcoin down 13% for the week, 0.5% in one day, but it's still above 10k, so I'm pretty happy. Ethereum dropped a little bit. I thought it would drop down to like the two nineties and here we are 341. Tether's tether, XRP is XRP. Shwoo, XRP down 23 cents. Watch out. Main link 1.6%, just around $12. So I'm pretty happy it didn't drop down to nine, which I thought it was going to do, but it didn't at all. Bitcoin cash in that sixth spot. Remember there is a potential that's going to happen. It's a Bitcoin fork that's going to happen on November 10th or 15th. We had Roger Vier on yesterday. He explained the whole thing. So check out that video. Polkadot down 2% to 435. Maybe you can go below four and we can pick up some peak Polkadot, huh? Binance coin, SV, don't know why it's there. Bitcoin and 10th spot, 0.5. So let's see what's up. Tron, congratulations. I'll try. I don't hold Tron, but if you do, congratulations, that is a tough hold. So good for you. What else we got? Monero up 1.8. Cosmo is 4%. Fantastic. 9% for UMA. I gotta tell you, I got that one wrong. That one seems to be the one that is just booing up and hopefully you can maintain that. 26% for the week though. Ouchie. Bind chain. Bind chain. 28%. As they're going to, what are you going to do? Ave. Someone told me how to say that, Ave, 4.3%. So that's not too bad and you're in finance, sticking around that 20,000 mark. So nothing too fantastic. Let's see what's going on with my favorite topic, Sushi, 255 down 10% for the day. I did not expect that to go up, but hey, it seems like I'm wrong on DeFi. I don't know what's going to happen with Sushi, but when you got the master chef who pretty much just does an exit scam and it still goes up, that's just a wackiness of crypto. Let's just break in a day's top story. So first up, Ethereum whales on the rise. I gotta tell you, I love these types of articles because it reaffirms what I believe and that is that Ethereum is going to be massive. It's a $10,000 coin. It just needs a little bit more time and a little bit more laying of the infrastructure and hopefully 2.0 can get here to reach that goal. And it's not just me looking at that.  So what's going on here? A good statistics from Santamint, which is an on-chain social analytic cryptocurrency site for confirms that ETH whales are pumping of the crypto market like never before. The definite ETH prices have surprisingly not disrupted the number of whales that have now doubled over the last few days. If you don't know Santamint, you can sign up for like a premium account. I got a free account and they send you like some really good data, some analytics. And one of those talked about whales and this was the PDF that they sent out and it was fascinating because it was just like last week we did a whole video on this one. But just to give you the highlights, it talks about how whales dominate not just in the mining sector, but whales dominate for Bitcoin and altcoins together and they lay it all out as far as data and analytics. So 85% of the total supply of Bitcoin is found in addresses owning more than 10 Bitcoin, 113,500 at current prices. So I don't know if you're one of those whales, but congratulations to you if you are. 61% of Bitcoin's total supply is in the hands of Bitcoin millionaires, which is people who own 100 or more Bitcoin. Wow. And then top altcoins are no different, 80% of ETH is held by addresses with more than 1000 ETH in its possession. Chainlink is the worst one at 94, well almost the worst one, 94.6% held by addresses more than a 10,000 link and XRP is a number one spot, 95.4% held by addresses with more than 10 million XRP or 2.6 million at current prices. So if you're going to talk about whales and how your project is decentralized, think again, what else we got? So two more things. Bitcoin whale holdings have declined, which is a positive effect by a similar margin during this time of the time, about 2015, 2020 and supply owned by addresses with less than 10 Bitcoin has grown from 6% to 14% since August 2015. That's good news. And I've always thought that whales will come and go, but they will dissipate because whales will eventually have to sell and they'll go into hands like me and you. And we have strong hands and we will hold on to that until our price point gets actually taken.  If you're into that, hey, cool, whatever. But I'm just telling you right now, I'm just an investor and maybe you are as well. And lastly, this is what all comes down to. They had a strategy that they try to do. And the strategy was based on whales and how they would try to defeat them. So their strategy was fetch all addresses holding a hundred plus Bitcoin, review their trend over the last 35 days. And then if there's an upward trend, you know, their accumulation, downward trend distribution, if the trend slope was greater than 0.5, they would buy or hold the trend slope was less than 0.5. They would sell or keep cash. And here was the outcome. So the whale strategy returned 46%. So all that data and all the analytics, that's what they got. But if they just held on to it and did absolutely nothing, they went up 61%. So again, you don't have to trade to make money. Let me say that again. You do not have to trade to make money. Just be an investor, sit back, throw away your ledger in a, you know, not only cold storage but in a safe and just don't touch it for a year or two. And guess what happens? Usually things do pretty well now, not in every year. But if you just wait a little bit longer, things will be good. That's what I'm trying to do. Seems to work out okay. All right. So that's what's going on with the other sense. This is what's going on with the current addition. So over 50 new whales have entered the market. 50. Currently there is no specific amount of the total number, which is increasing by the second. Approximately 70 new whales have been welcomed into the ETH market within a space of three days. These whales are known for holding and investing large amounts. All incoming whales are holding a thousand. It says here $1,000 to $10,000 to $3,000. I was like, wait, am I a whale? Ah man, this is awesome. I'm a whale. I didn't know it because it says $1,000, $10,000, I was like, oh, that doesn't make any sense. So if they look at the actual tweet, and it's not $1,000 to $10,000, they just got a little bit ahead of themselves. And it says roughly 68 new whales holding $1,000 to $10,000, Ethereum have joined the network. So not in dollar amount, but $1,000 Ethereum, that's a lot of, it's over $400,000. We'll say that. Well, actually, it's about $350,000 because it's $1,000, so off you go. The big thing is this. And this is what's important to look at. What is smart money doing?    But if you've got a lot of people coming in there, a lot of smart money coming in, it's a good chance that you are in the right category and headed in the right direction. Potentially. Let me just think of the comment section. That's just how I see it. And lastly, it states most investors have repeatedly devised that a bear market is the best time to invest in crypto like Bitcoin and Ethereum, mainly because a bull run is always expected to proceed a bear market, although it sometimes takes longer than expected. So that's interesting.  It's tough to look at the prices like right now and go, you know what, this is a fantastic time to get in because everything's down. But if you're new to this, this is how I see it. When I look at these red, I'm like, man, look at all these sales. This is crazy. Like, you know, chain link is down to 1%, polka dot 2%. That's insane. 13% down for Bitcoin. It's just like going to an auction or any kind of flea market. You're like, wow, it's so cheap. Why don't I just pick that up? Because it's still a good product. Nothing really changed. The fundamentals didn't change. Bitcoin didn't change. Bitcoin didn't get hacked. Ethereum didn't get hacked. XRP, chain link. I mean, they're all the same thing. They're all the same project.  So guess what? I'm going to pick those up. And that's the way to look at things. That's just how I see it. And lastly, it says, meanwhile, for the day-to-day trader, ETH's trading price isn't the most encouraging and profitable. So again, you do not have to be a trader. If you want to trade on the side, that's cool. I mean, go ahead and trade. Have fun. I mean, that's what a lot of people do. I just don't have time for that. And I just want to put my money in and then wait. And then that's it. I mean, it's the same thing I do with land. I purchase land. I don't really look at it. I don't look at it from day-to-day. I look at it at, you know, six months to two years out and just see what the price is. And when the price goes up, I'm like, hey, good deal. All I had to do was just sit on it and do nothing. That's it. So let me know what you think of the comment section. Let's move on. Next up, traditional market stuff. UK Digital Bank Zigloo launches peer-to-peer payments for Bitcoin and Bitcoin cash. So London-based Bank Zigloo, I think I said that right, said it has been licensed on an electronic money institution or EMI by the UK's Financial Conduct Authority. After receiving the permit, the FinTech started to immediately launch peer-to-peer payments for both crypto and fiat. The Digital Bank supports the British Pound and Bitcoin, Bitcoin Cash, Ethereum and Litecoin. I was looking, I was like, why is Litecoin supported? What is so great about Litecoin? And maybe I'm missing the boat on Litecoin. Tell me if I'm wrong because like Ethereum, the transaction fees are like outrageous. Bitcoin went and all went up the same type of thing. Bitcoin Cash is there. And you know, I had Roger on yesterday, he talks about how great it is, I don't know. And then Litecoin, maybe it's just because it's just so easy to use. The transaction fees aren't there, you can use them to have a privacy. So maybe, I don't know, maybe I'm missing the boat on this. I used to own Litecoin, I sold it before, but here we are. Anyhow, this means users of the Zigloo app can now make payments peer-to-peer over the network or to other banks within the UK using the supported coins. So if you want to have something that is like fast and easy and has low transaction fees, maybe Litecoin and Bitcoin Cash are one of those things you can actually use. This is launched in June, Zigloo raised $5 million in seed funding. Let me say that again. This was launched in June. What are we in September? Three months. Three months. And this is where they're at. The company says total digital assets are insured against cyber attacks up to the value of 50,000 pounds or $66,000 with commission fees of 1.25% on ultra activities. So that's pretty cool. Just like we have in the States, the FDIC Insurance is up to $250,000 in the banks. For here, for your digital assets, you're insured up to 50,000 pounds. That's fantastic. That's how it should be done. The commission fees, 1.25%, what are you going to do? I mean, there's a lot of different places where you can get it cheaper, but if you want to take a look at that, I have an exchange fees and wallet information spreadsheet. It goes everything from, I mean, Coinbase, I used to use a lot, I don't use it anymore. I use a bunch of Celsius and Voyager, but I also do a lot of things with Kraken and Gemini. And I go over all the different wallets that are out there, such as like Uphold and the ABRA app. I go over the SimpleSwap, Uniswap, Kraken, and just, you know, what I've gone through with them. And if I recommend or not, I do not recommend it or just letting you guys know right now. And then it just goes over the interest rates. If you're going to deposit, you know, Celsius has some great interest rates. So does Voyager and all the different fees that they have. So go ahead and check that out. Also on top, you want to sign up. There's affiliate links. You don't have to use them. You can go write the Voyager. You can go write the Gemini and just sign up. But if you use the links, it gives you between 10 and 25 bucks. So your choice. Anyhow, if you want to find that, it's in the description, every one of my videos. It looks just like this. So go ahead and check that out at your leisure. All right, let's break back in that story. Okay. Moving down to finish this up. The Ziglu app, user numbers currently range in the low thousands, but the CEO says I'm aiming for a hundred million customers over the next six or seven years. And I gotta tell you, I gotta tell you, I think that he is right on track. I mean, if you get a bank that gives you the option, which they all should do of fiat currency and also cryptocurrency, that's what the world's going to run on. So why wouldn't you do that? Here's a prime example. I was trying to pay my niece from my bank with Venmo and my bank, for some reason, stopped the transaction. They just refused it and Venmo froze my account for 72 hours. Well, my niece had to get paid. So what do I do? Go to exchange, pick up some XRP and I send it over and it's there like that. And then she can do whatever she wants with it. So in these situations, like this is fantastic. We can use fiat money. We can use cryptocurrency. It's at our disposal and whatever we want to use. And that's just the tip of the iceberg. So we don't remember back in July, the office of the OCC with Brian Brooks, he's the head of that department, who was also the head of the legal department for Coinbase. They gave the option or the ability for banks to custody cryptocurrency. This is actually a great article written by Alex Mascioli and he pretty much just said, look, the banks, they are going to have this option and they're not going to do it because they are not at the forefront of innovation because banks suck. Basically, that's what it came down to.  That was my wording. But look, I mean, if you get something like this going on and the banks are like, hold on, wait, there's other bank and they're doing all the fiat that we do, but they're also doing cryptocurrencies, which is what we can actually do as far as custody go. And then people are flocking over there. Well, the free market is going to say, hey, like me and you will probably go to those types of banks. And as time moves on, people will go more to those banks. And I believe that banks look across the ponds or just across the street and go, you know what, they're doing something we're not doing. We should probably do that.  Nobody wants to be that old technology that's sitting at the end of the street that everybody is passing by in the ghost town as they all go to Netflix. Just my theory. Let me know what you think of the comments section. Let's move on. You know what, it's taken way longer than I thought. The last two articles where we talk about the track record about Bitcoin going to $120,000 from Dave the Wave and also the article about Binance Joins DeFi Craze. I'm going to do in a separate video and I'm going to do it as a live from here so we can all talk about it, especially this one. This one, again, I feel guilty for even talking about it, but it has to be talked about. So what we're going to do right now is we're going to jump into Q of the Day and then we'll finish up. Hello, everybody. Welcome back to the office for Q of the Day. So today's question comes to us from Randy and it's a pretty good question that I think everybody's going to have to deal with when we pass on how is this going to affect us as far as encrypted digital assets and how do we leave it to our family members? But before we get into that, just to make sure, I've got a couple of comments about my beautiful green screen that I have for my office. This is not a green screen, watch this, this is not a good thrower, but. All right, so I'm not a magician so not a green screen, this is actually my office.  No, it's not. I'm going to tell you why. First of all, you have to do a lot of maintenance and second of all, it's hot. Cause I'm in El Paso, Texas and if you haven't realized that, some days it gets to be like 106, 110. So I'm out here in this area, non air conditioned. So don't think this is like the most fantastic setup of all time, it's not. Just that my wife kicks me out of the house and this is semi detached. She goes, go to the pool room and do your stuff. So that is what it all is. So don't think this is anything fantastic cause it's not. All right, so the question then is, this is from Randy. He says, I'd like to know how to ensure that my daughter has access to my digital assets should I get hit by a bus? Which you never know. I mean, that could happen tomorrow. I mean, hit by a bus, just keel over, heart attacks, anything that could happen, right? Who knows? Unlike a traditional bank account, I can't make her a beneficiary, which is true. How would I specify this in a will or a trust? Maybe you could do a segment on that topic. I think it's something we should all be thinking about. And these are things that we don't think about until a family member this actually happens too. I mean, if I pass away, then I have instructions from my wife and how she's going to get all the crypto crazy assets off of ledger. But in certain families, this might be more of an issue if you think about it. If you have a large family and you just kind of verbally tell your spouse like, hey, or one of your kids, hey, this is where all the money's at. Let me tell you, I've been involved in these situations where money makes families go crazy. So it's super important that you have some kind of written instruction before you pass away. Because if not, it all has to come down to the generosity of people. It usually, not all the time, but it usually kind of gets, it devolves into something very ugly. And I think we don't want that for any of our family members. So what we have done is we have created a trust and we can only do that with a lawyer. So usually what usually happens is go to a lawyer and then put out all the information that you want and have it specified line by line. So that is one way to do things. Another way is if it's just a very small family like Randy here just wants his daughter to have everything. So the best way that I said to him was, well, first of all, if you have an all ledger, you just put it in your instructions in your will that my daughter gets the ledger and she can open it up and you can even put instructions there or you can try to teach your daughter or your significant other, how to actually get those and transfer them into your accounts. Another thing is that if you have a Celsius wallet, they have a, they're going to be adding something into their actual wallet where you can put the information of a beneficiary, which is pretty great if you think about it. So all you would need is that letter or some type of will and a death certificate that states who gets what and it'll go to that person. I don't know those specific details, but thankfully Alex Machinsky, the CEO from Celsius will be on the show tomorrow to answer that question and a bunch of other ones that I have about Celsius. Some things that I've just seen that I've gone on or questions that you have sent to me. So these are just two things that I think will help, but the big thing is just make sure that when you're doing all these, this type of work, you specify who gets what. It's not like this goes to my family and then let them figure it out because I'm gonna tell you right now, it'll get ugly. So that is hopefully that answers Randy's question. Another thing is that I see with what's gonna happen in the future. This is like the same thing with the internet days. Nobody realized when the internet came about that we would need somebody to make a specific website for marketing or a specific website for sales or to have somebody who would do search engine optimization or would do Facebook ads or something like that. I mean, we just didn't know that when the internet came about. So I have gotten this question many a time. One is from Randy, one was from Droplet. I got this question twice before from two other people about what's gonna happen when I pass away and how does this go into my family because my lawyer has no idea what the hell I'm talking about. And my family, when I try to talk about cryptocurrency, it is calling me a kook because it's digital assets, right? So this is, I see it like this. I see this actually to be a service that could be done in the future by a group or by a person or by a group of people who would transition your digital assets from one person to another. It could go like that. Some people will say, well, that's not the whole point of cryptocurrencies because you are your own bank and you should have your access, your keys to everything that's out there, which is true. However, that is what you are doing. Your family right now, and correct me if I'm wrong, but I'm gonna guarantee that your entire family is not a hundred percent on board with digital assets and cryptocurrencies.  So if this is the case, I think maybe down the road, this could actually be a service like someone would go in there and be like, okay, I know how to work all these different wallets and all these different cold storage or hot storage or whatever else. Here's the paperwork that we need. Here's the forms that we have to have. Just something I see is maybe a potential thing in the future, I don't know. I'm gonna just end the comment section but hopefully that answers the question and let's jump back. All right, that's it. So I hope that answers the question. It's one of those topics that nobody wants to talk about but we have to talk about, you know, death and cryptocurrency, that's just how it is. Before we take off, I just wanted to ask for a favor. I don't usually ask for likes. I don't ask for subscribers. That's just not what I do. But I have another channel. It's called the Digital Asset News Clips. And just like today, how there was a lot of information, I just break it down by clips. Not everybody has the opportunity to listen for 30 minutes, 40 minutes to me ramble on about different topics. So I break it up into different sections. Not only that, is I wanna do this because you never know when YouTube's gonna pull the plug on your channel. This has happened to numerous cryptocurrency digital asset channels and it will continue to keep happening especially as time goes on. So I just need to make sure that there's a backup. So what I was gonna ask you to do in the description of every one of my videos, the second channel link is there. It's gonna look like this. If you'd be so kind, just head on over there and subscribe. All the different things that we talk about are going to be in clips there. And I'm also going to do one bonus clip for this channel, specifically for that channel. That will not be on the regular Digital Asset News. So just wanna have two, just as a backup. And I wanna make it easier for you because time is money. And like I said, not everybody's got all the time in the world to listen to me ramble. So maybe just wanna listen to just a specific clip and that's it. That's why I created that video and the channel to boot. All right, so thanks so much for sticking with me. Really appreciate it. If you like these types of videos, there's gonna be two months gonna pop up on your left and right, not sure what it is because YouTube controls all that. Just like they may have controlled the cruddy ad that you saw, which may have been a scam. I have no control over those just so you know. So if you wanna talk to YouTube about it, they'd love to hear from you. So check them out. Anyhow, that's it for today. Thanks so much. I really appreciate it and I'll see you on the next one.