Yo guys, what's going on? It's Aaron, aka Stuckbizzle, and yes, I've just been challenged by Ionfall from Grace and the YT Gamer's Network to do the Ice Bucket Challenge to support and acknowledge ALS. Um, yeah, I'll just let my crazy self take it from here.


Can you believe it? It's week eight of the high school football season. And for the Brainerd Warriors, how big was that win at Moorhead Friday? Well, they're all alone at the top of the section. And with a win tonight, a first round buy for playoffs. Also means another game at Warriors Stadium. Just need to beat Sartel, St. Stephen tonight. They were hungry from the kickoff. Joe Stolzky under center. He'll take it himself and goes all the way. Touchdown Warriors. That'll be a common theme for the night. Also stout defensively. Max Zimmerman forces the fumble here. Warriors jump on it and take over the next drive. It's that guy, Charlie Gares. He finds Pater and the home team is smelling that buy. And finally, it's Devin Stuckey in the backfield. And he takes the carry-on zone for six more. Warriors are your top seed for section 85A. They end the regular season with a shutout win, 54 to nothing. Lumberjacks with their regular season home finale tonight hosting St. Cloud Tech. They have themselves a gigantic weapon outside. Six, seven go for commit Breven Spanford. To throw it in his area and he'll do the rest. Just a tower. Bemidji, they have a pretty good receiver of their own, Ryan Beberdorf. This one from Jake Beberge. He somehow comes down with it and cuts it to two scores. But when you have Spanford, it's just tough to defend. Couple seconds before half, this one the killer over the defender for six more. Bemidji drops the finale, but they're back into action for the playoffs next week against Sartel, St. Stephen, round one at home. Big match up in nine man, number three, Stephen Argyle at number nine, Nevis.  Stony Spildy breaks loose to the secondary. Down the sidelines to the house, 12 nothing visitors, but Tigers would respond. Jack DeWolf finds Thomas Whirly on the outside. Big game and Nevis is inside the red zone and a couple plays later, DeWolf. He'll call his own number. Makes a couple guys miss. Into the end zone for the touchdown in and out of traffic. All Tigers after this, how about this win to end the regular season? 42-20 over number three. They finish seven and one on the year. A section eight two-way battle, Warroad at Bagley, first quarter, warriors driving, but a bad pitch. Ball is loose, Flyers jump on it. They can't take advantage next drive for it. Rollers finally breaks through second quarter. Spencer Musgrove breaks loose up the middle and they're threatening inside the 20 and then later in the drive, Tristan Johnson, he's gonna take it himself. The QB sneak breaks the playing for the score. Warriors hold on in the second half, 13-8. They finish the season seven and one. Royalton number 10 this week in two-way. They close the season with KMS, first quarter we go. Warriors, Royals driving early. Riley Smajia takes it in to give them the seven nothing lead, the next Royalton drive. It's Cole Wetland, the handoff. He'll take it 64 yards for the easy touchdown. Royals just piling it on early with two impressive drives. The offense, a well-oiled machine. Then Gavin Suska, he'll take the snap later, drops back and finds Zach Gottwald over the middle, tallied in for six more in the score book. All Royalton in this one 35 nothing to end their regular season. Finally, Grand Rapids looking for their third win tonight at Duluth, Denfell, late second quarter, Thunderhawks up two scores. Play action, but Brennan Moreland's pass is picked by Avante Williams, what a catch. Even Hurdles a defender on the return with the ensuing drive with Stahl, Grand Rapids and goes back to work in the third little defense of their own. Eric Steer says I'll take that and an escort to the end zone for a pick six. Thunderhawk Cruz on the road in the finale 27-7 is your final. If you've enjoyed this segment of Lakeland News, please consider making a tax deductible contribution to Lakeland Public Television.


So this lecture will be is part of a course on commutative algebra and will be about locally free modules. So last lecture, we talked about stably free modules. So what we want to do is to explain what is the difference between a locally free module and a stably free module. Well, first of all, locally free modules are sort of analogs of vector bundles. So I will stop by just reminding everybody what a vector bundle is. So a vector bundle is a vector bundle over a space map, space X is a map from a space V to X, such that the fibers are vector spaces. There are also some conditions saying that this vector space structure would behave nicely, but I'm not going to worry about that too much. And it should look locally like a map from R to the n times ui to ui where the ui open subsets covering X and R to the n is just an n dimensional vector space. For example, if we take X to be a smooth manifold, then we can just take the tangent space of X mapping to X. So this is just the tangent space whose elements are points of X together with a tangent vector at that point. Now this corresponds to a module over a ring R because we take R to be continuous functions on X. So we can take our module M to be sections of the vector bundle V. So in the case of the tangent space, the elements of the module M would just be tangent vector fields on X and you can, M is a module over R because you can just do point wise multiplication. So the analog of this for rings is where the space X will correspond to the spectrum of the ring R. So this corresponds to the space X we had before. So we want the spectrum of R should be covered by open sets ui and we may as well take this to be a basis of open sets. So we can take ui to be the spectrum of R fi to the minus one where fi is an element of R. And in order for these to cover R, you remember that the ideal generation by the Fi's should be the whole of R. And we want the module M to be locally free, meaning that it's free on each of the open sets ui. And what this means is that M of fi to minus one should be free over R fi to minus one. So this is an algebraic definition of a locally free module. You just specify a number of elements generation unit ideal of R and these modules should be free over these rings. So next we should discuss the relation between stably free and free module. So first of all, stably free implies free, sorry implies locally free. Well, if a stably free module is not finitely generated, then we know that it's free. So it's certainly locally free. If it's finitely generated, well, a stably free module that's finitely generated is a finitely generated projective module, because stably free modules are direct summands of free modules and therefore they're projective. And we will see later, or maybe we won't see later, depending whether I bothered to prove this, that finitely generated projective modules are locally free. So stably free implies locally free. We can ask the converse, does locally free imply stably free? And the answer is generally no. And there are two reasons for this. There's a boring reason, and there's an interesting reason. So what I'm first going to do is to give the boring reason why stably free, why locally free modules may not be free. And for this you think of it in terms of vector bundles. So we might have a space x, which is a union of two spaces x1 and x2. And we might have a vector bundle over this space x, which looks like r times x1 over x1 and looks like r2 times x1, x2 over x2. In other words, the dimension of the fibers of this chain. So here the fibers are one dimensional, then they're two dimensional. And this is certainly not of the form r to the n times x goes to x because that would mean the fibers all would have to have the same dimension n. So for vector bundles, they aren't necessarily stably free. And now what we do is convert this into an example for rings. So we're going to take, we want spectrum of r to be disconnected. So the big point of this example is the space x is two different components, so the dimension of the fibers can vary. And for this is quite easy, we could just take r to be z modulo 6z, which is z modulo 2z times z modulo 3z. So the spectrum of r just consists of two points. So we can take a module, which is going to be not dimensional over this point and one dimensional over this point and M might be say z over 3z. And then you can see that M is obviously not stably free, and it's locally free because it's free over this open set, and it's free over over this open set. Now we come onto the more interesting reason why locally free modules need not be stably free. The interesting reason is that the module M may be twisted, even if the spectrum of r is connected. And the basic example of this is the Mobius band. Okay, so the Mobius band sort of looks something like this. You see it's a, I'm thinking of this as being a two sided surface who probably all made copies of this in kindergarten or something where you take a strip of paper and glue it by itself with a twist in so it's so it's two sided and the Mobius band maps to a circle. S1. And if you take an open Mobius band you can see the fibers are just copies of one dimensional vector space so it's a vector bundle. And you can see it's not stably free. In other words, if you add a finite dimensional free vector bundle to this you're not going to get a vector bundle free vector bundle. And the reason is if you go around S1, then this you reverse the orientation of the fiber. That's sort of saying the Mobius band is a one sided surface means if you start here and go all the way around you end up with the one dimensional vector space now going in the opposite direction. And the same applies if you add a finite sum of free modules to this M1 it's still, it's still, you get this orientation reverses so it's not free. And you can see this is locally free, because if we just cover S1 by this open set, and by this open set say, you can see that over each of these two open sets, the Mobius band is just the product of R with the open set so so it's a low cost so it's locally free in this vector bundle. If you've got a good imagination you can see that if you take the sum of, let's call this Mobius band M, if you take the direct sum of two copies of this vector bundle that means that each point, you take a direct sum of two copies of the fiber. And you can see, this is isomorphic to the trivial or free vector bundle are two times S1. In order to see this what you do is you, you sort of think about the line, the sort of zero section and if you embed the Mobius band and R3, and kind of take normal bundle to the zero section you can see that gives you another copy of the Mobius band. If you add those two together and think about it a bit, you can see that the fibers of those can actually be trivialized, I'll leave that as a sort of exercise and visual imagination. So we can convert this as usual into a module over a ring by taking the ring to be continuous functions on the circle and the module to be sections of the Mobius band. So if I'm more algebraic example of a locally free bundle, so my second example, I'm going to take M to be the ideal generated by two and one plus root minus five in the ring R, which is Z root minus five. This example keeps turning up because it's the simplest example of a non principal ideal in a data kind domain so it's an example of an awful lot of things. So we recall that this is not a unique factorization domain as usual six is equal to two times three which is one plus root minus five times one minus root minus five and we're going to use this decomposition several times. First of all, we as we saw earlier M is non principal. So it's not free as a module. Being non principal doesn't always imply non free for arbitrary rings but it does for this particular ring. Now we want to show that M is locally free. So how do we do this well first of all, we have to cover our cover the spectrum of our bite open sets. And that's quite easy because we can just take the spectrum of our with the half inverted and the spectrum of our with a third inverted. So two and three generate the unit ideal, these open sets cover the spectrum of our so the union of these is the spectrum of our. And now we want to show that M, we want to show that M with two inverted is free over. The half inverted. And this is obvious because, because two is contained in M. So if two is invertible then M, a half is just equal to our our half. So this is just equal to M, the half included. And we also want to show that M, the third is free over the other open set our third. And to do this, we need to calculate very slightly more and we notice that here M one third is generated by one plus root minus five. So, and the reason for this is M is generated by two and one plus root minus five but to the other generator is one plus root minus five times. One minus root minus five divided by three, you remember this is two times three is the product of these two things, and three is now a unit. So, so the ideal is generated by one plus root minus five. This is a free module of rank one over R a third. So we've shown that M is locally free, we've covered the spectrum of all by two open sets, and check that M becomes free over each of these open sets. As a last example. We saw that from the Mobius band if you took a sum of two copies of the Mobius band, it became free well, we didn't actually see that because I left this as an exercise but whatever. So we can see for our example that M plus M is isomorphic to R plus R. And to see this, let's just you just sort of calculate a bit like this so you put a to be the element to plus one minus one plus root minus five in M plus M. So we let the element be be one minus root minus five plus to gain in M plus M. And now you just do a little bit of calculation you find that three a minus one plus minus five B is equal to zero plus one plus root minus five, and one minus five minus two B is equal to zero plus two. And now you see these two elements generate M. So the module generated by a and B contains not plus M. This easily follows that module generated by a and B in fact contains the whole of M plus M. So this easily implies that a and B generate M plus M. And now we can get an isomorphism from R plus R to M plus M just by mapping one plus zero to a and zero plus B and you can check that this is an isomorphism between these two modules. A similar thing happens for the ring of integers of any algebraic number fields, the non zero ideals in the number field are always locally free modules, and they're free if not if they're principle ideals. So if you take the sum of a finite number of that you can find a, if you take any such ideal then there's a, you can find a finite number, some of a finite number of these ideals which is this isomorphic to a sum of a finite number of copies of the ring of integers of the algebraic number field. In fact, you remember an algebraic number theory, you can form the isomorphism classes of ideals into something called the ideal class group where two ideals are considered the same if, if you can get what from one to another by multiplying by an element of R. So these, the ideals correspond to locally free modules of rank one and two metrically this corresponds to one dimensional vector bundles which are called line bundles. So the ideal class group of the ring of integers of an algebraic number field is a sort of analog of the group of line bundles and geometry which is called the Picard group. So next lecture, we will be looking at projective modules and how they're related to locally free modules.


This was very widely, there was wide consultation with all the tripatites, everyone was on board, the labor movement was supportive, the employers were supportive. Now let's look at what happens to the employees, employers have not been remitting, do they also benefit, do they qualify or do they lose out on the months that the employer did not pay for the pension? Well there are two ways of looking at that, we are taking a very reasonable approach in that all that we are looking for are 60 monthly contributions, they don't need to be consecutive, they just need to be 60, so you may have gaps as long as we have 60 will pay you the 20 percent. Now for those where the employer has never remitted, there is a scheme where we are now following up to see whether it was really an issue of non-remittance or it was an issue of misapplication. There are some like, I have a case today that two John Miller, they are talking to me, one John Miller in Chirila Bombay, the other one in Mufulira and because of this 20 percent partial straw, they have discovered that there is a problem on the account because both of them worked for the same company. The company would interchangeably use the social secret numbers, so in one time, in one bit the contributions will go to John Miller Chirila Bombay, in the other will go to John Miller Mufulira, but we are dealing with that, we are helping all those to get down to the bottom of that as long as there was a remittance we will be able to pay you. I want you to be very clear on this one, if my employer never paid anything at all to Napsa, but then maybe paid once and registered me, do I lose out and the deductions were made for my pay? You don't lose out, I mean this is not something that ends in a year, this is a new benefit that is introduced for life. So all that will do, the other works that will be doing in the background, make sure we get in touch with those employers, hence the reason we are asking for employment history as part of the onboarding process, so that we can now go back and deal with employers and say look, your employee worked for this period, you gave them an employment record, a certificate and you didn't remit in this but you need to pay. As soon as they make the payments, they make the 60 months, you are entitled, you do not need to claim that today, this benefit does not expire, it will not expire, it's part of the benefits that are covered under the pension scheme for life, so there's really no need to feel that you are going to be left out, whenever your account is ready you get access. Maybe I was going to ask you that, do you think residents understand fully the idea of partial withdrawal and the benefits? I think they do, if you look at the interest, if you look at the interest that the Zambians expressed the moment the president and the UPND government announced that they were going to introduce that, I think there was a lot of interest from a wide spectrum of Zambians and for us that is clearly an indication, one interest, second there was a lot of debate, those who were for the idea and those who were against the idea, that debate prepared a lot of people to understand the pros or what could happen if you may supply the funds. That's why as NAPSA we never shut down the discussion of those who were against, because we knew that they were actually providing financial education in one way or another, even though they were criticizing the move, but they were letting those, they would be beneficiaries that this risk that you need to address and the risk will be basically misapplication, but that's a risk that you cannot say someone is going to be supplied because it's a 20% partial. That's a person's outlook towards finances, you can misapply your pension. Now our understanding of our position is that you cannot design policies on the basis of the 2% that are not going to evaluate what the policy objective was. What about the 98, so the focus should be on the 98, that's our position. I'm going to get to that later, but then maybe I need to ask, there's a lot of information flying around social media, internet and everywhere, are these withdrawals being taxed as income? Not at all, the tax was done at the time the payee was remitted, so these are tax free funds coming through back to the owners. There's no tax on the 20% withdrawals, pensions are not taxed. So you get your free money. Now as of Thursday you had announced that 27 people had been paid and the amount was coming to slightly above 1.3 million kwacha. Others are saying 27 of a period of two days is too small a number and then is this how you're going to process 27 people every two days? No. Then it's probably going to take forever and where are you ready for this? I think we were, I mean if you are put in a position or if you are sitting as NAPSA and you know that is a reform that is coming through and you are part and parcel of that reform, I don't see how you can never get prepared. Most of the work that was done on that reform was from the administration side where we were working with government, our ministry of labor trying to make sure that we actually have a solid proposal or option of how to implement that on the table. Behind that there were dedicated members of staff that spent, I don't know how many hours just trying to crack and design a system that can help our members get access to their funds. So from the prepared position we were prepared and that's why from the first day that the president signed, the very next day we were processing. The number, the concern is the numbers. That number was at 27. That number was at Thursday. We are standing at 12 million, 12.4 million, 300 and 3. Many of people. 303 people, 12.4 million paid out. Paid out, yes. Now remember this number changes, it has no weekend because it's online. So even as I'm sitting here there could be someone somewhere who is getting paid. So once you push in the claim it's actually just through the financial system.  When you make a transfer reversal you don't need to wait till the bank is open, the transfer happens. So that is continuous. The part where most of the people were coming back and saying it's taking time, yes. We were going through some of the processes that some people came up with very different problems and we're trying to fix that. Those who were successful we put in contingencies that went back to making sure that we're not losing an hour. And that's why you see that by tomorrow those who still have the view that naps are closes by tomorrow now when they go and check the accounts they realize that they are ready to make a claim. Because we have been processing over the weekend. Now the queues at your offices seem to suggest that you are under siege, you are overwhelmed. How are you dealing with that? On a positive side maybe that's how popular the benefit is, maybe that's a success. But now dealing with the people that are claiming. You notice that the queues start as early as 5.30. That's how we are at Zambians. When there is something like that we don't want to be left out. Is that a vote of no confidence in your e-platform? If people are going to choose to queue and avoid using their phone in comfort of their homes and offices then there must be something wrong. You haven't asked me if there are any numbers coming through online. On the first day we almost had 50-50 with people claiming putting in their staff online and those were coming to the office. All that we did was those that need to come to the office won't turn them away. And we are dealing with everyone who appears at the office till the last man leaves. So there is no one who will stand away and told to come back tomorrow. We don't operate on the tomorrow basis. We deal with you today. If there are issues to be resolved our back office is going to deal with the issues that need to be resolved on your account. So that we can push you to the next stage where you can claim. Overwhelmed. I think it's an issue of understanding that even when you design a system there is no system that has one option of operation. All systems have to have a plan B. And our plan B was to put bodies or staff to address. So while this was going on we were actually recruiting people. We recruited over 100 staff just to come and beef up the staff to address specifically for this and the Zambia National Provident Fund. So we are aware of what we are doing and we are expected that in case we have an overload this is what we are going to do. And at this juncture I must give a lot of gratitude to our staff who some of them even though they are not in that part of the business are volunteering to actually go in and assist. That just shows the commitment from the NAPSA perspective that we are focused on the objective pay the people. Now you've got complaints coming through particularly for the E-platform. Some people are saying it's too complicated. You're asking them for proof of employment history. And as of now a lot of complaints that we're getting is that only five banks are on your portal. Is there a way of simplifying this adding more banks simplifying your forms? I think we are open to suggestions on how to if there are any issues or challenges on the process where people are finding it a little bit cumbersome to deal. And so far we have changed part of the processes from the feedback we are receiving from the users. We go back and make amendments some of the processes. Now some of the processes we may not change them. Because there is an underlying security issue that we do not want to pay the wrong person. And that's very cardinal for us. So for some of those I think the members who have to bear with us that we are trying to protect their money and therefore they should be a little bit patient with us and would deal with it. One thing that we are committed to is we want to make sure that everyone gets their money as soon as the process is done. Why do we have a few banks then? The few banks we are not restrictive. And this is something that I'm appealing to our bankers out there that we opened up to every bank to actually come on board and make sure that they can service their customers as they are making the withdrawals. So banks are now coming on board some of those that came in late. But we are seeing also an interest from others that we didn't even consider as banks that are coming on board. Zambia National Building Society MD called us there and said well we have customers as well.  And really maybe people don't see the extent of this process what is involved. This process is not just restricted at NAPSA. It has the mobile networks involved. It has the banks involved. It has us involved. We have the registration office getting involved. So it's a much bigger scheme than what you see at the front end. But all that is just trying to make sure that the right crevaso gets his benefits and not the wrong one. People are wondering why are you insisting on employment history? Can you just deal with the NRC, identify them positively, check the number of months at 60, check the age at 45. You're good to go. It's important for employment history because if you came to us and said I'm missing, I'm two months out of the 60 that are required. I'm at 58 and I know that I worked for ZNBC. When we asked ZNBC they said actually he just worked for 58 months. That's why we're asking for that. Part of it is to actually clarify that you worked for the number of months that you worked over the number of years that you worked and also that we are actually dealing with you and not someone else. The pension administration part is a little bit more complexion that you actually have to always have the right confirmation that the member who is accessing a benefit is the correct member and not anyone else. Let's get this question. The arguments that the money that is actually being offered is too little to invest. Maybe I need to ask you, is one able to calculate what they entitled to on their own without waiting for you to give them the amount? Yes, they can if they know the formula.  NAPSA grows that money to cover you for the wage inflation and also pays some interest. Now that money is not fixed. The growth factor if I may call it that is not fixed. It's something that is determined by the Zambia statistics office every year and then they give us the value. That's a value we use for wage inflation to cover you for wage inflation. But the good news is when you go to our system as you are claiming you actually find a calculation. It will show you your raw contributions and how much you are entitled to. And it will also go a step further and show you how much of the 20%, what your 20% would be if you waited one year, two years, three years. It will actually show you the amount. So it's a calculation that some people out there we know that they have been able to actually come back and do their calculations on their own. But we could share that it's not a secret. But it's there on our system once you go to the claim stage you find the calculation on your page as you access.  Argument that the money is too little to invest? Too little to invest.  Serious. Serious money. In the area of figure that you announced, the average. The average was $48,000. $48,000 by any standard is a lot of money. And that's just an average. Some people were going as far as $120,000, $150,000, $160,000. The lowest was getting maybe about $25,000 or $20,000. But the issue of not being enough that is subjective. The people who say that in, what, $200,000 a month, for them if they calculated at 20%, I'm sure they'll look at it and say this is very little. But if they just did a little bit of research and maybe like I said, go to the Citizenship Empowerment Commission, the CEC, and ask on average how much people get. Or have you seen applications that go as far as $15,000? And if the answer is yes, then our $20,000 is good enough. Because it depends on what you want to use it for. I have examples of young people who came up and said when I get my money, whatever it is, I'll make sure I buy a government bond. One of them said, whatever it is, I'm going to put it down as a down payment on my plot. There is a $25,000 quacha remaining, whatever you give me, I'll pay for my plot. So the issue of how much is subjective. It's a debatable issue. I want you to hold your thoughts, DJ. We are hosting the NAPSA Director General and you can interact with us on what's applying by sending a message to<PHONE_NUMBER>. Or you can call on 2535. Just now, I think we get some messages and we can get to see what people want to ask you. So that you get to answer what they want to find out from you as Director General. You need to check. There we go. Please find out on my behalf from the Director General NAPSA why my contributions on my statement drop from 245 to 193 without an explanation. That's one of the messages. Good evening. Thank you for your wonderful program. Your system is so cumbersome. Have you considered making it user friendly? Not everyone who wants to claim is educated. In your know your client, well how long should someone wait for the money after applying? Then we've got another one. Give the statement that I received monthly for my contributions is different from how much is showing in the system. The missing months are about 60. How should I resolve the issue? If you're taking note today. No, but... I got the last one there. Good evening Director General. What are you going to do with employers who are not following NAPSA procedures or act concerning contributions? I find that the person has worked more than 20 years but the only contributions which are there is less than 30,000 kwacha only. I would like to know what happens when one has double contributions due to having two jobs at a time. How do you normalize the names of my husband which appears surnames instead of maiden names in case of female employees because the system is rejecting such. So you've got a handful of questions. Maybe you could start with the last one. Okay, I think there's always... We always go through a process of verification and that's what this onboarding process is all about. So whatever the names that are different from the system and what the member has, that's something that we can solve. It's just an issue of providing the required documentation and we should be able to deal with that. So it's not a short stopper if I may put it that way. The member who is asking is still able to get there 20% as soon as we resolve that issue. So you've got a problem there. Others are asking about disparities between the statements they receive and what they're getting now when they want to apply. Where is that problem coming from? That's quite strange and I would like to receive most of those so that we go through and find out what is causing the disparity. It's not supposed to, we are not supposed to have a disparity. Someone is missing 60 months. Missing 60 months, that's missing 6 months. I hope they are not saying it from the fact that the area statement at 60 months, the other one does not. Because if it's an issue of checking and you are looking at your employment record and you are missing 6 months, that is something that we know is possible because of the compliance levels of employers. So this process is actually helping us to deal with that as well. Now for the first time, and I think I can firmly say for the first time, every member is now interested in knowing how much money they have on their account. Prior to this, I don't think anyone paid much attention to the NAPSA account. They were paying attention to their commercial bank accounts but not the NAPSA account. This partial straw has changed the game. Now everyone is going to be interested in knowing how much money is in the NAPSA account. And that for us is a positive. This has a long-term benefit. As long as we can get your account, now that you as the owner, you are going to have time to look at your account and make sure it's up to date, that simplifies the process of paying your benefits going forward. Because if everything is up to date, you have no queries, at the time you are retiring, you don't need to remind us. We remind you, Gravazo, you are about to retire. Which option are you exercising and here is how much money you have. Because we are confident and we are going to do our part making sure that the employers are also paying up the contributions that is for due. They have very little excuse now. The penalties we are talking about have been slashed. The new law allows for the waiver of penalties. So really it's now just an issue of compliance. So that question keeps on coming up. The one on people whom employers are not remitting. Oh no, we will deal with that one. And what does the employee do? All that the employee needs to do is just fill in the form. No, not really filling in the form. I think this does not need to be a one-off process. That only happens because 20% withdraw is at stake or is offered. This needs to be a process that every account holder goes through. And if you ask most of the account holders now, they are receiving two types of SMSs. They are receiving one which confirms that ZNBC has paid for crevazo. They are also receiving one which says your employer has not paid for it. Why? We need you to come up quickly to be part of the enforcement that you need to remind your employer my pay slip shows that you have deducted. Napsa is saying you haven't remitted. We are also going to do our part and make sure we deal with these employers as quickly as possible. They have very few excuse now. These are people's sendings. Everyone needs to get involved. The employers need to do their part. The owner of the account needs to do their part. Napsa will do our part. Your system is cumbersome. The system is cumbersome. Not everybody is educated. Yes, and that's why we had plan B. For those who cannot deal with the system, they can come through to our offices. And that's what we have been getting to get help. They are available. We are now even looking at ways of ensuring that we can deal with people as quickly as possible by maybe possibly extending hours. But we'll get back to the people with announcement very soon. The idea is to those who are not tech savvy can come to us and help them. So you can interact with us. Like we said earlier by sending a text on our WhatsApp line. 73433802 or you can call us on 2530. 25. We have a caller on the line. Sunday from Kichwe. Good evening and welcome to the program. Yes, good evening Mr. Gravasia. And good evening to Mr. Muyango. Please go ahead and make your contributions. Yes, I would like to ask the question concerning a situation whereby an employer, I mean an employer receives two contributions from the two employers. That is the previous employer and the latest employer. There are questions whereby someone has got two contributions within the same month, two contributions for September. Now we are being told that we need to submit those first statements that indicates two contributions. Why can't not just follow up where those employers were emitting money to NAPSA? I mean why can't NAPSA make for a percentage of asking the employee to submit the first lips which might be due to the longest period of time that has taken place since those contributions took place. Sunday, thank you so much. You've got that question. Yes, I think I'll start off by saying our system actually accepts two contributions in a single month. So that should not be a problem Mr. Sunday. And now on the issue of why we're asking for information, there's always a first option that you have to exercise. And when that option does not work, we go to the second option. So he's suggesting that we should deal with the employer. Yes, as we get more numbers of a particular employee that has a list of queries coming up who know how to engage that employer. But where some are providing that information with ease, other members are coming up and when they're uploading the information that we ask for and we're able to process. But don't despair Mr. Sunday, we are there to save you and we'll walk through till we solve your problem and make sure you get to 20%. We have another call on the line. Efrem Shleshe from Makeni, please go ahead and make your contribution. Yes, I just wanted to find out from the director how long does it take if someone applies for a partial payment, how long does it take? Thank you so much Efrem. How long does it take for the money to eat your account? But then I think with this question you need to get it together with an earlier question which we saw in the text. If you have double jobs and you're getting double payment, does it reflect how do you deal with that? I'll start with the double jobs. If you have double jobs and you're getting double contribution our system handles that it allows for that so that should not be a problem. The two employers can remit using a social secret number. The social secret number is a key number that identifies where the payment should go. So that should not be a hindrance in any way. Now on how long it should take? I must admit that in the first few days when we started the process is much slower but our intended turnaround time is within one day you should be able to get your money in your account as long as everything is updated. So the system will actually tell you when you have completed all the requirements when you fulfilled that it goes green by going green it means you are ready to make a claim. The moment you make a claim that second part of the process is much faster than the first part of the process. So you get your confirmation as well as your payment within 24 hours. Within 24 hours if the process is done successfully without any hindrances. Like I said, I must admit that in the first few days yes there was a delay but that's something you should do you should see most of those that made their submissions before Friday. They should check now. I'm sure they will find that they have been pushed to the stage where they are now going to make a claim. We have another caller. Thank you very much. Good evening Gravasio and good evening Digi. My comment to the Digi is that don't you think you announced a bit too early that the platform would be open for partial benefits because the day that you announced that the website would be open there was nothing until late in the evening and even then it was very difficult like to make attachments and there was so much confusion. So my question is did you go through rigorous testing to ensure that the many errors and challenges that people are facing were resolved. For example up to now I still can't upload my documents that are required to prove that I worked for a particular employer. Thank you. Thank you. We're ready. I think we were. Did we anticipate all the problems that were going to happen? No and I think that's part of system development. Anyone who has worked with the system development will know that there are certain issues that arise that we may not have provided for. One thing that people keep on talking about is the fact that Napsa was not ready because the system was behaving this way. You cannot test for 150,000 people trying to claim at the same time. You can do simulations but you will not know exactly how the system is going to behave. Some of these issues we are learning as we go and we are addressing them. The key focus for us is a process is not a hindrance which I'll solve the process and make sure that the people get their money. That's our focus. Our focus is to push you to a stage where you'll be able to make a claim and get paid. Are we going to have tithing problems? Right now our IT guys have not taken a break. They have just been working 24 hours trying to find some of the issues that are causing the slow process and they have identified some of the problems and we are dealing with them. What have the other staff been doing? The other staff have been working over the weekend making sure that everyone who had a claim going through they are ready to claim. We have planned B on the issues as they arise but one thing for sure is if people are talking about systems the choice is simple when we supposed to wait till we have a system that is perfect before we start paying people the partial I think for that question we should ask the people on the queue which one is your preference? We wanted to wait. As we get in some messages I need to ask you this question others are asking and explain simply when I retire will I have enough money to meet my basic needs accommodation, food, medical bills? I'll put it this way first of all we should recognize that the 20% partial is not mandatory you actually make a choice and that's why part of the choice is that you have to realize that your future benefits will be reduced by 20% 80% Now there is a second question in that graph also that you are posing which says would that be adequate? The issue of pension adequacy is something that we should tackle not because there is a partial but because we need to make sure that there is sufficient money in retirement for people to survive that's not because there is a partial issue But then the partial aggravates because you take away my 20% after that am I able to get an earning and the choice is yours Now if you take that money and invest it wisely which is what most of the people that we are talking to are trying to do then you are actually creating your retirement revenue streams wireless you still have the energy and that's the whole issue about the partial and let's not mix that up with the fact that some people may be supplied even if they are going to get the pension they may be supplied that is just a fact of life we cannot run away from it but let's look at those who are doing something I have a Misheki Kaoma who when he got his ZNPF went to his royal highness Mukuni and asked for a piece of land he gets a piece of land he buys goats and he buys orange trees he comes back and says I'm getting my partial and I'm going to beef up I'm getting my red dan on my small land in Livingston that's a story about partial and that's what we should be focusing on the few people that might misuse the money that's life but when you say few maybe you haven't done the research and you're saying few will misuse many will not misuse but I'll allow you to hold your thought to begin a call and I'll take messages I think it's too long there we go good evening can the NAPSA did you explain why we can't edit employment history when one has made an error why are we why we are supposed to account for stray contributions yet NAPSA knows where all contributions came from and lastly why can't sign up because we entered vice versa from NAPSA records yet the NRC number is the same so you've got that that complication I hope you've noted I registered with NAPSA earlier before the announcement was done in my case I've forgotten those security answers and my account has been blocked what should I do to proceed to inshape my claim the issue of the banking details needs to be looked at seriously why can't NAPSA just allow the member to submit their banking details like the ZRI pay as you and refund so you've got the questions before you get those maybe let's get Jackson Jackson please go ahead and make a contribution yes my concern is about the system these stray contributions the stray contribution and the the document that I needed like the proof of whether one and the the termination letter some of us we stopped work years ago and how can I retrieve all those the documents and for the system to for my procedure to go through the history of my employment it is there but they want me to add the documents which are not with me right now how am I going to be assisted how are we going to go ahead thank you so much so you can start with the question from the caller then we go to the messages I think I'll start with the message with 80% the issue I was saying we didn't cut out the research I think you need to ask yourself a question if I'm assuming that you are saying I said 2% maybe the bad they failed to utilize the money properly maybe vice versa ok so let's look at the Zambian economy right now if we say vice versa the people that have made something out of the 95% and when I'm talking about 95% I'm talking about your salary once we take out the 5% from you that's what remains is 95% you've seen people create 2 revenue streams out of the 95% an extra revenue stream sorry out of the 95% first of all they have the employment income and then they have another business by the side why aren't we talking about those are the same members of NAPSA they were able to do that in the 95% why are we making an assumption that when we give them the 20% it's wrong now the majority of the people in this country let's talk about housing would you say that most of the houses in Usaka were built before someone got a mortgage the answer is no they were building it out of the 95% salary that they have why are we now making an assumption that someone who can build a house you don't build a house in one year in so many years when they get the extra money I think we are being unfair to the Zambians that have shown a lot of entrepreneurship spirit you see them walking the streets you see them trying to make ends meet let's talk about village banking our ladies who participated in village banking they were withdrawing 5000 some of them 15000 and putting it to use how can we turn around that now that they are getting a 20% they will not know what to do with it that's unjust and grossly unfair to the people that are actually showing the entrepreneurship spirit and that even before the 20% partial straw came in they were already doing their side businesses I know people who are employed they are selling cloth I know people who are employed they are doing a sheffing business over the weekend are you telling me that when they get an extra income those people would rather go I want you to pick the questions now editing employment history I think some of these issues are questions that you should raise would take note of that and engage you on a one-to-one basis to find out what could have happened employment history is very critical so they entered wrongly but then they want to edit yes but employment history is very critical you allow that to be free text and no one entering that and changing it anytime so what we are saying is there is a way we can do with that and all that we need to get is our officers will support you to make sure that you can edit that all that you could do is just make proof available so some of these are not your stoppers and that's a message I want to put forward the fact that you try something and fails does not mean you are not going to get your money it's just an issue of going now to option B where you engage us on a physical face-to-face basis and then we help you on a physical face-to-face basis there is no one who is going to be denied the 20% partial because naps are designed in the system that's not our intention that's why we have some steps that we can take to assist you as a member once you prove that you are the member to go through the process and get your 20% stray contributions like I said this process is helping us to get to even identify some of these problems like the two John Millars that works for Vambi without this we may not have known that there is such a problem but because now they want to claim they have raised that as an issue I'm sure we are going to get the bottom of that and help them and make sure each one of them gets a 20% as we are saying the staff on the Kopa belt are already dealing with the two Millars case and that's the way naps are is approaching this we are not going to turn you away and say because there is something wrong with your account you are not going to get your 20% we will wait with you absolutely same registration yes that's why we have national ideas why would you swap your names I think these are some of the issues we should be taking seriously when they ask you first name, second name please don't take liberties and start putting your surname as your first name but will that be addressed and those using husband's names all those there is proof in this country maybe unless someone got married in the traditional system but even then there should be someone a chief who can attest to the fact that this is a husband we have marriage certificates those are some of the issues that can be used to rectify some of the issues that are rising here let me get the last caller let's go ahead and give us your contribution good evening good evening good evening good evening good evening yes please this program is a very good program and we thank you the president and your naps are now should be on each dose to really support the civil servants and the other employers who are in abject poverty so my concern is the issue of some banks we have some banks that are not registered with naps on the platform there are some banks like standard credit bank we know there are those banks that may not ever come to see naps over this program and these are salary accounts for ofta and we expect naps to take it a step over approaching those banks thank you Charles you've got three minutes so we need to answer that one I know you've answered it I will repeat and as you go answering these I need you to also answer the question this is more like a run on the bank everyone wants to withdraw how safe is the pension scheme that's one question you need to answer as you go but then you can pick the question as well so I start with Charles and the banks we approached all banks and the banks have an association and there is a way we discuss with them on how certain measures we want to implement to work with them to implement certain measures it's all now up to the banks working with us their reaction time and what changes they have to make to the system to make sure they are on board but at this juncture I must thank Zanako because Zanako is almost like the our go between that is helping all the other banks to come to come on board and they are doing a very good job and it comes up to Apsa that have come up and actually said they could help us remove the congestion from the the cues from our office by actually opening up registration points in their premises that is a kind of collaboration that we are very thankful for and this is not something that Napsa is doing alone we are working with other parties to make sure that is delivered and that's a collaboration we encourage other banks to come on board most of these banks will be on board there is a risk for the banks that are not coming on board because I don't think the owners of the money will be waiting for their banks to come on board they might open accounts with those that are available that's a very big risk and we don't want to be to take it to that level would rather the banks came on board and save their members the fund how safe is the fund it's a pity actually that I think most zambians do not know what Napsa is Napsa services the financial system the money that we collect from our members goes to service the financial system we hold deposit with these banks that the money they lend so there is no run of 11 billion kwacha that can ground Napsa Napsa is much bigger than 11 billion in short Napsa is liquid enough to pay both the zambianashu provident fund and the partial store and the retiree we will not find the money gone it has never happened it's not going to happen that's not Napsa people should not mistake us for the other pension scheme that's not Napsa Napsa has never failed to pay retirees never Napsa is liquid thank you so much for coming you would want to talk and explain more but then we've run out of time thank you so much for coming we've been watching signed the interview and our guest this evening was a Napsa director general Mr. Miangwa but next week sometime thousand people


Here's your host, Jeff Frick. Hi, Jeff Frick here with theCUBE. We're at a really special presentation where at Santa Clara, California, the R&B building, the Robert Noyce building, headquarters of Intel. In the Intel Museum, a really great location to interview someone I've been trying to get on theCUBE now for months and months and months. We finally got on the calendar, so Leslie Berlin, welcome. Thanks. Leslie is a historian at Stanford. She's been studying Silicon Valley. She's part of her PhD work and she wrote a really terrific book called The Man Behind the Microchip, the story of Robert Noyce. And Robert Noyce is probably of the three kind of guys we think about that founded Intel. He's the one that unfortunately passed away early and we don't know as much about him, I think as most people do. So I wanted to get Leslie on terrific book and talk a little bit about Mr. Robert Noyce because we're in R&B. Right. So it's awesome. So we all know about Andy Grove, right? Only the paranoid survive and we all know about Gordon Moore and Moore's law but we don't know about Robert Noyce. What should people know about Robert Noyce? Who was he? Give us kind of a little background. So my favorite little sound bite about Noyce was that he was called the Thomas Edison and the Henry Ford of Silicon Valley, sort of a twofer and one guy. And that's because he both invented one of the most important technologies in the Valley which was the integrated circuit which lies at the heart of all modern electronics, better known as the microchip. And he also started two of the most important companies in Silicon Valley history. The first one was Fairchild Semiconductor which is really the first successful Silicon company in Silicon Valley. It is what made Silicon work in Silicon Valley. And then the second was Intel which nothing more needs to be said. We're right here and look at it. Yeah, it is interesting. He created the Silicon that created Silicon Valley and as you talk about in your book, Silicon Valley used to be agricultural, used to be apricots and peaches and really a big fruit growing region and he really changed that with what he did. And what's interesting to me too is a lot of the characteristics of Robert Noyce both as an inventor as well as a businessman, as an adventurer, as a risk taker, really define and continue to define what Silicon Valley is today and a lot of the leaders that followed after him. I know he had a lot of influence on people like jobs and others. I wonder if you can talk a little bit about the personality kind of behind the man. Right, so I think the sort of first thing Noyce would do if he heard us having this conversation right now is he'd say, whoa, whoa, whoa, I didn't do all that by myself. He would be the first person to tell you that he was a team player from the very beginning. So he's actually considered the co-inventor of the integrated circuit but what he did to sort of make it possible to layer on top of the Silicon wafer was only one step in what needed to happen to actually finally get to where we are now, obviously. In addition, when he started Fairchild Semiconductor he was one of eight founders of that company and we can talk about that in a second. And then here at Intel, he co-founded Intel with Gordon Moore. He didn't do that by himself. And of course, Andy Grove came on very quickly, Les Vides came on very quickly. And so the whole way through, he's always been a team player. And I think that really, that aspect of his personality is very important for understanding how Silicon Valley works and how high-tech innovation in general works. You don't, we all have this idea of sort of the mad scientist in his, with his white lab coat, the hair. I mean, no one who knows what they're talking about has that idea, but that's the image we still have in our minds of inventors. And it's really very much of a team effort. So that would be the first thing I'd say about Noyce's personality. The second thing I'd say is that he was this very unusual combination of sort of an extreme risk taker and very, very humble. He was the son of a preacher and the grandson of two preachers. He grew up in the middle of Iowa. He liked to be seen. He was a champion diver. He was, he sang in madrigal groups for his entire, actually all the way through, which I think is also interesting. Madrigals is a type of singing where all the voices blend together. And again, one of these sort of team approaches. And he never was above sort of showing off one of the many parties that defined early Silicon Valley culture. But he was always very humble. At the same time, he was a huge risk taker from the time that he was a young boy and decided to build a boy-sized glider pulling together everyone in the neighborhood, taking it to the roof of a barn behind his house and running right off the edge of the roof, standing inside this glider. And from that very moment, through everything he did, both technically and entrepreneurially, he really was, he basically never saw an idea he didn't like. And part of what made the team approach, particularly here at Intel, so important for him, was that he was someone who just, I mean, ideas just sort of fell off this guy. He was, he was in, he could have been inspired by a doorknob. But he didn't have anything really in the way of a filter. And Gordon Moore was this incredible filter who worked right next to him and was able to say, nope, nope, nope, nope, interest, you know, how about that one? Let's try that one. And that made for a great partnership. The other thing about Noyce, we really like to think of our sort of, these founders who developed these sort of big stories around them, because it's interesting you say that maybe Noyce wasn't as well known as Moore and Grove. Noyce was the rock star of Silicon Valley in the 1980s. I mean, he, to say he was on the scale that Steve Jobs was is not quite fair because electronics hadn't filtered down to consumers yet. So, but to the extent that there was someone who was seen as sort of the face and the incarnation of a Silicon Valley spirit, that was absolutely Bob Noyce. And so we like to think of these people as almost infallible, but Noyce would be the first to tell you that he was not a good manager at all. His nickname was Dr. Nice. He hated for people to be angry at him. He hated confrontation. And he, when they started Fairchild in 1957, this company grew to be one of the fastest growing, most successful companies up to date. And then it all fell apart. It completely fell apart. And there were a lot of reasons it did, but Noyce was pointed out in a letter that he wrote when he resigned from Fairchild that he had to bear some of the blame.  He realized he needed someone who would come around and make sure they did what they said and that was Andy Grove, who Noyce called the whip. And this made them an incredibly powerful team. So I realize that's a theme I keep coming back to, but it's an important one. It's an important one. And you combine that teamwork with this kind of phenomenon of being part of a bigger company. And you talked about in your book, when you went to Shockley and Shockley was a legend in the business to then leave that and start at Fairchild, which was just not done back in the day. And what a unique concept that was. And then the difficulty they had in getting people to come to Silicon Valley. I love your explanation of the shot with the umbrella that it was their Christmas shot. Come to the Valley, it's beautiful weather, good schools and affordable housing, which is a great little plug. But it does take a special team. And it's funny you talk about Andy being kind of the taskmaster. I remember when I came to Intel, it was famous for Andy standing outside and you better be through those doors at 8 a.m. because meetings here start at 8 a.m. So it does take a combination and the fact that he appreciated that to build something as big as Intel after Fairchild didn't or wasn't as successful as he wanted really is a good statement. Well, and he also really recognized his limits by which I mean he knew he was great at starting things. He knew he was great at inspiring people, getting things off the ground. He moved out of the executive suite and into the chairmanship of the board when Intel was only six years old. So he really recognized where he was good and the sort of long-term vision that he could provide. I love your point about Silicon Valley having been just the boonies back in the day. I mean, that's absolutely right. Everything of interest that was happening anywhere in electronics when we're talking about, so Fairchild's founded in 57, Noyce came in 56 to work for William Shockley. And everything of interest in tech was still more or less happening sort of take Bell Labs and sort of draw a couple of circles around it. And you had some interesting stuff happening in Southern California. But yeah, it was, they definitely were recruiting for a certain type of person and they really benefited as Silicon Valley has always benefited from huge waves of migration. Back in Noyce's day, these were people coming from the rest of the United States to California. So you had something insane like 100 people moving into Santa Clara County every hour for 20 years. I mean, the population of this place between, say, 1950 and 1970 went berserk. But it's continued to have the real benefit of what I think of as a constant refresh button of new minds coming in, people wanting to be here. And now those people come from all over the world and that is just an, it's an incalculably valuable part of not only Silicon Valley, but the entire American economy. So talk about kind of the Silicon Valley, the myth, kind of what we think of as Silicon Valley. It's way more than Silicon now. It's not even really probably based in Santa Clara. The center seems to kind of move up and down 101 depending on what's hot, you know, whether it's in Redwood City when Oracle's on a tear up to San Mateo and Salesforce and kind of a software up to San Francisco around media, which really seems to be booming now. And of course you have Google sitting right where Silicon Graphics was and Mountain View and all the activity. But talk about kind of ethos of what makes Silicon Valley, Silicon Valley, how much of that, you know, kind of came from early trend setters like noise. How much of it's real? How much of its perception and will it continue? Will it sustain?  Yeah, yeah, it's actually been a really wonderful part of having chosen this field. Yeah, so I would say the essence of Silicon Valley has remained the same in some sense, by which I mean this is a region that has reinvented itself decade after decade after decade. So if you were here in the 40s, particularly during the war and immediately after, because one thing that people don't really necessarily know about Silicon Valley is how important the Department of Defense was in launching this area because the Department of Defense had deep pockets and would do anything during the war, but especially during the space race. Anything to get faster, cheaper, better payloads up, heavier into space. And so they spent enormous amounts of money on Silicon Valley technology. At a time before there were venture capitalists, before they were a very important source of capital. But if you look back in the, say, 40s, people would have said, oh, Silicon Valley's all about instrumentation. This is the land of Hewlett Packard. When you get into the 50s, you start seeing some semiconductors in the 60s. It's really semiconductors. The 70s, well now you're in consumer electronics. You have Atari, you have Apple. These start to be sort of the companies. Then you have the personal electronics revolution. You have biotech starting late 70s into the 80s and it sort of seems like, well maybe that's the way we're gonna be going. And then you get into the whole sort of web and web 2.0 and then the bubble and then it comes back. And this seems to be sort of the MO of the Valley and really it's vital asset. If you think about it, there've been sort of regional economies. I mean, go back to medieval Europe. They're sort of the shoemaking town. This has been going on forever. You've got Detroit here. In the 50s, that was a specific industrial economy. But what has made Silicon Valley absolutely unique in my mind is that what that economy is, what that industry is, has continued to morph again and again. For that again, I give a lot of credit to two things. One, the existence of Moore's law, which has been vitally important for making it possible to do more and more and more with electronics. And two, these people coming in who have actually made Moore's law happen. Moore's law is not a law of nature. Moore's law is an agreement that we've all made among ourselves that it ought to be possible to double the rate of transistors, blah, blah, blah, blah. And then people say, well, this ought to be possible. Let's make it happen. And the customers plan their next release around the assumption of these sorts of changes.  And so it's that combination of the technology and the people that have made it possible for the Valley to reinvent itself, reinvent itself and reinvent itself because people have been counting the Valley out since the oil crisis in the 70s. And it's always been the same thing. It's too expensive, people's commutes are horrible, and it's too crowded. These have been the reasons that Silicon Valley has going to die since the mid-1970s. And the other thing that's really important when I'm talking about the changes in the Valley is that we've also seen it go from a manufacturing economy to basically a software economy and a thought economy. You had, in the beginning here, Apple was building its computers here. Intel was building its chips here. There were factories. Some of them were called fabs. But they were factories. And there were factory workers. And there were very good middle-class jobs. And it was a different type of economy than it is now. And again, it's the Valley's ability to just morph that, to me, has been unique and can be traced to the technology and the people. Because it's really this idea that there are no limits. I mean, you summed it up as more laws, really, a function of people deciding that there should be no limits. And it just continues to amaze me how the industries continue to shift, even outside of core technology. I mean, the latest examples being Tesla. It's a car manufacturer. They took over the manufacturing facility in Fremont from Toyota, who was making trucks over there. Now they're making cars. Uber, which is a way to cite an example, but it's still a phenomenal example of who would ever think you could digitally transform the taxi industry of all things. And just again, this phenomenal thing. And as you said, people continuing to build on the shoulders of others with open source, with, and now an API economy, with cloud and mobile and social. It just continues to roll. So again, from a historian's perspective, we're running a little bit out of time. You're sitting at Stanford, which again keeps these people coming in through Stanford. The weather's too nice. They don't leave. Doesn't happen at Penn. Exactly, right, right. What's next? What are you working on? What do you kind of see as the next big wave or what's kind of keeping your attention right now? Well, I have moved all the way into the early 1980s in my research. So. No, I am fascinated by the 1970s, which is this timeframe during which you have the birth, really in the space of eight years, you have the birth of five major industries in the space of basically eight miles here in the valley. And that's what I'm writing about now. And I'm very excited. Winds are coming out. Here we have a date. Approximate date. I'm submitting the manuscript at the end of this year. Oh, awesome. That'll be up to the publisher. All right. Well, Leslie, we'll have to get you back on when that book gets out. I love that. I can't believe your other book came out in 2006, so still go out and read it. It's a phenomenal book. It's a timeless piece about someone who's really important in Silicon Valley and what Silicon Valley means, much more than Silicon. Thank you. Thanks for stopping by. Leslie Berlin from Stanford, the author of The Man Behind the Microchip, a biography of Robert Noyce. I'm Jeff Frick. You're watching theCUBE. We are at R&B, Robert Noyce Building, Santa Clara, California. Thanks for watching.


Good afternoon and welcome to joint-based San Antonio Fort Sam Houston's retirement ceremony, host above the United States Army Medical Center of Excellence. The host for today's ceremony is the commanding general of the Medical Center of Excellence, Brigadier General Clinton K. Murray. The co-host is the Command Sergeant Major of the Medical Center of Excellence, Command Sergeant Major Victor J. Legion. Distinguished guests in attendance today include the Honorable Diana Denman, President Reagan Appointee, Mr. Joseph Bray, civilian aide to the Secretary of the Army, Colonel Mark Eastackel, Commander, Brooke Army Medical Center, Joint Base San Antonio, CW5 retired Candy Martin, distinguished quartermaster. Other key leaders, family members and guests, thank you for honoring the retirees with your presence here today. I ask that you please stand for the Plain of our National Anthem by Fort Sam's own 323rd Army Band and remain standing for the invocation given by Command Chaplain Lieutenant Colonel Michael W. Spikes of the United States Army Medical Center of Excellence. Please join me in prayer. Heavenly Father, we have gathered today to honor the service and sacrifice of these men and women who have dedicated their lives to the defense of this nation. We are sincerely grateful for all they have done as stewards of the profession of arms. They have defined themselves as true American patriots by their acts of selflessness, humility, boldness, courage and discipline, and in their footsteps they leave a legacy of honor and integrity for others to follow. And so it is with grateful hearts that we bid them farewell and ask that you would bless the road that lies before them and their families who have also served and sacrificed so much. Give them health, happiness and prosperity as they embrace the life that awaits them. When they reflect on their years of service, may those memories be gilded as with the finest gold. We pray, Lord, that in addition to these who are here today to mark their retirement, you would continue to bless those who are still serving, especially those who may be serving in harm's way today. Guard and protect our nation and those who have chosen to serve in her defense. In your gracious and merciful name I pray. Amen. Please be seated. At this time, a flag detail from the Army Medical Center of Excellence will perform a flag folding ceremony, a special tribute to our retirees. When observing an honor guard during the folding of the flag, you may notice how the particular process results in the flag being folded 13 times. You may have thought this symbolized the original 13 colonies. However, each step has a separate and very distinct meaning. The first fold of our flag is a symbol of life. The second fold represents the 50 states of the United States of America. The third fold is made in honor and remembrance of the veterans departing our ranks who gave a part of his or her life for the defense of our country to attain peace throughout the world. The fourth fold represents loyalty. In the words of Thomas Payne, these are the times that try men's souls. The summer soldier and the sunshine patriot will, in the crisis, shrink from the service of their country, but he that stands by it now deserves the love and thanks of a man and woman. The fifth fold is a tribute to our country. In the words of Stephen Decatur, our country, in her intercourse with foreign nations, may she always be in the right, but right or wrong, our country. The sixth fold is for where our hearts lie. It is with our heart that we pledge allegiance to the flag of the United States of America and to the republic for which it stands, one nation, under God, indivisible, with liberty and justice for all. The seventh fold is attributed to our armed forces, for it is through the armed forces that we protect our country and our flag against all her enemies, whether they be found within or outside the boundaries of our republic. The eighth fold is a tribute to selfless service. Ask not what your country can do for you. Ask what you can do for your country. John Fitzgerald Kennedy. The ninth fold is a tribute to womanhood, for it has been through their faith, love, loyalty, and devotion that the character of the men and women who have made this country great has been molded. The tenth fold is a tribute to the father, for he too has given his sons and daughters for the defense of our country. The eleventh fold is inscribed on the statue of liberty.  The wretched refuse of your teeming shore. Send these the homeless tempest toss to me. I lift my lamp beside the golden door. The twelfth fold represents the quality. We hold these truths to be self-evident that all men are created equal, that they are endowed by their creator with certain unalienable rights, that among these are life, liberty, and the pursuit of happiness. The thirteenth and final fold is for when the flag is completely folded. The stars are uppermost reminding us of our national motto, and God we trust. After the flag is completely folded and tucked in, it takes on the appearance of a cocked hat, ever reminding us of the soldiers who served under General George Washington and the sailors and marines who served under Captain John Paul Jones, who were followed by their comrades and shipmates and the armed forces of the United States, preserving us the rights, privileges, and freedoms we enjoy today. All our honored retirees, please stand. This flag is a true emblem of our unity, power, and purpose as a nation. Accept it, protect it, and be ever mindful that the young men and women that you have trained, led, and inspired throughout your outstanding careers will follow in your footsteps and defend this flag with equal pride. Honored retirees, please be seated. Today we pay special tribute to eight soldiers upon their retirement. The retirement ceremony is a time-honored tradition. In days gone by when a soldier retired, their entire regiment turned out to honor them with a farewell review. Joint-based San Antonio of Fort Ham Houston continues many of these customs today. During today's ceremony, each soldier will receive a number of items, a United States flag, a soldier for life with Pelton, and a certificate of retirement which reads, from the armed forces of the United States of America, to all who shall see these presents, greetings. All retirees having served faithfully and honorably are retired from the United States Army, signed Randy A. George, General, United States Army Chief of Staff. Retirees will also receive a certificate from the Commander-in-Chief which reads, I extend my personal gratitude and the sincere appreciation of a grateful nation to you for your patriotic service to our country. Your bravery and dedication in our armed forces helped protect your fellow Americans during the focal moment in our history and contributed to a world of greater security and growing prosperity. Your devotion to duty, honor, and country, and keeping with the long traditions of the finest military in the world, embodied the American ideal of selfless service, our nation owes you an incredible debt. Your commitment and example you set will inspire future generations to serve with pride and keep our country secure. You represent the best of our nation and I join our fellow Americans in saluting your honorable service. I wish you happiness and success in your next chapter, signed Joseph R. Biden, Jr., Commander-in-Chief. Spouses will receive a certificate of appreciation from the United States Chief of Staff of the Army. The certificate reads, To all who shall see these presents, greetings on the occasion of the retirement of your spouse from the United States Army. You have earned grateful appreciation for your own unselfish, faithful, and devoted service. Your unfailing support and understanding helped to make possible your spouse's lasting contribution to the nation, signed Randy A. George General, United States Army Chief of Staff. Retiree children will receive a BRAT certificate of appreciation. BRAT stands for Boldness, Responsibility, Adaptability, and Tolerance. The certificate reads, For distinguished and steadfast support of your parent upon the occasion of his or her retirement from the United States Army. Your understanding, patience, and endurance of the many absences and your family's many moves underscore your own selfless service and sacrifice to our great nation. Missed birthdays, holidays, school, and sporting events are the price of life as an Army family member. For this, you should be justifiably proud as we are all proud of you. Thank you for all you've done and will continue to do for our nation, signed John R. Evans, Jr., Lieutenant General Commanding. Will Brigadier General Clinton K. Murray and Command Sergeant Major Victor J. Largione please come forward. Headquarters, Department of the Army, Special Orders by Order of the Chief of Staff, United States Army General Randy A. George. The following personnel of the Department of the Army are retired. Colonel Leon E. Hooten retires after 29 years of service. At the time of his retirement, he served as a Senior U.S. Army Reserve Advisor, Headquarters Support Company, U.S. Army Medical Center of Excellence, Joint Base San Antonio, Fort St. Houston, Texas. Colonel Hooten receives a Certificate of Retirement from the Chief of Staff of the Army and a Soldier for Life Lepelpin for his 29 years of faithful service to the nation and the United States Army. Miss Heather M. Hooten receives a Spouse Certificate of Appreciation from the United States Army Chief of Staff. Children Kai Kilcriz Hooten and Ariel Nicole Hooten receive their Brat Certificate of Appreciation. After retirement, Colonel Hooten and family will make their home in San Antonio, Texas. Our nation proudly salutes Colonel Leon E. Hooten, United States Army, retired. Lieutenant Colonel Andrea C. Acosta retires after 20 years of service. At the time of her retirement, she served in the Protection Directorate, United States Army North, Joint Base San Antonio, Fort St. Houston, Texas. Lieutenant Colonel Acosta receives a Certificate of Retirement from the Chief of Staff of the Army and a Soldier for Life Lepelpin for her 20 years of faithful service to the nation and the United States Army. Lieutenant Isabella A. Alonso receives the Brat Certificate of Appreciation. After retirement, Lieutenant Colonel Acosta and family will make their home in San Antonio, Texas. Our nation proudly salutes Lieutenant Colonel Andrea C. Acosta, United States Army, retired. Lieutenant Colonel Aaron Lozano retires after 27 years of service. At the time of his retirement, he served as the Chief of the Advanced Leadership Division, U.S. Army Medical Center of Excellence, Joint Base San Antonio, Fort St. Houston, Texas. Lieutenant Colonel Lozano receives a Certificate of Retirement from the Chief of Staff of the Army and a Soldier for Life Lepelpin for his 27 years of faithful service to the nation and the United States Army. Miss Maria Nicole Lozano receives a Spouse Certificate of Appreciation from the United States Army Chief of Staff. Children Erin Victoria Lozano, Christian Noel Lozano, and Julian Daniel Lozano will receive the Brat Certificate of Appreciation. After retirement, Lieutenant Colonel Lozano and family will make their home in San Antonio, Texas. Our nation proudly salutes Lieutenant Colonel Aaron Lozano, United States Army, retired. Lieutenant Colonel James B. Giddens retires after 24 years of service. At the time of his retirement, he served as the Army Reserve Consultant for Behavioral Health to the Office of the Surgeon General as an Individual Mobilization Augmentee. Lieutenant Colonel Giddens receives a Certificate of Retirement from the Chief of Staff of the Army and a Soldier for Life Lepelpin for his 24 years of faithful service to the nation and the United States Army. Miss Claudia Giddens receives a Spouse Certificate of Appreciation from the United States Army Chief of Staff. After retirement, Lieutenant Colonel Giddens and family will make their home in Shreveport, Louisiana. Our nation proudly salutes Lieutenant Colonel James B. Giddens, United States Army, retired. Lieutenant Colonel Glenny Z. Curtis retires after 23 years of service. At the time of her retirement, she served as the Director for the Practical Nurse Program, Brook Army Medical Center, Joint Base San Antonio, Fort San Houston, Texas. Lieutenant Colonel Curtis receives a Certificate of Retirement from the Chief of Staff of the Army and a Soldier for Life Lepelpin for her 23 years of faithful service to the nation and the United States Army. Colonel Steven Scott Curtis receives a Spouse Certificate of Appreciation from the United States Army Chief of Staff. Children Alexia Zo Curtis and Steven Scott Curtis, Jr. will receive the Brat Certificate of Appreciation. After retirement, Lieutenant Colonel Curtis and family will make their home in New Bromphills, Texas. Our nation proudly salutes Lieutenant Colonel Glenny Z. Curtis, United States Army, retired. Lieutenant Colonel Gamble L. Money retires after 25 years of service. At the time of his retirement, he served as a Deputy Engineer United States Army North Joint Base San Antonio, Fort San Houston, Texas. Lieutenant Colonel Money receives a Certificate of Retirement from the Chief of Staff of the Army and a Soldier for Life Lepelpin for his 25 years of faithful service to the nation and the United States Army. Ms. Megan Money receives a Spouse Certificate of Appreciation from the United States Army Chief of Staff. Children Sage Elise Money and Hope Elizabeth Money will receive the Brat Certificate of Appreciation. After retirement, Lieutenant Colonel Money and family will make their home in San Antonio, Texas. Our nation proudly salutes Lieutenant Colonel Gamble L. Money, United States Army, retired. Major James W. Jones retires after 38 years of service. At the time of his retirement, he served as a Lead Defense Support for Civil Authority's Exercise Planner, United States Army North G7 Joint Base San Antonio, Fort San Houston, Texas. Major Jones receives a Certificate of Retirement from the Chief of Staff of the Army and a Soldier for Life Lepelpin for his 38 years of faithful service to the nation and the United States Army. Ms. Andrea Jones receives a Spouse Certificate of Appreciation from the United States Army Chief of Staff. After retirement, Major Jones and family will make their home in Wembley, Texas. Our nation proudly salutes Major James W. Jones, United States Army, retired. Staff Sergeant Juan Urbina retires after 20 years of service. At the time of his retirement, he served as the Honors Section Operations Noncommissioned Officer in Charge for the JBSA Fort San Houston Funeral Honors Platoon, Headquarters Support Company, Headquarters and Headquarters Battalion, U.S. Army North, Joint Base San Antonio, Fort San Houston, Texas. Staff Sergeant Urbina receives a Certificate of Retirement from the Chief of Staff of the Army and a Soldier for Life Lepelpin for his 20 years of faithful service to the nation and the United States Army. Ms. Dava Marie Urbina receives a Spouse Certificate of Appreciation from the United States Army Chief of Staff. Children Trinity Renee Urbina, Orin Isaiah Urbina, Adelina Rose Urbina and Phoenix David Urbina will receive the Brat Certificate of Appreciation. After retirement, Staff Sergeant Urbina and family will make their home in San Antonio, Texas. Our nation proudly salutes Staff Sergeant Urbina. United States Army, retired. Ladies and gentlemen, please welcome today's guest speaker, Commanding General, United States Army Medical Center of Excellence, Brigadier General Clinton K. Murray. If that doesn't put a smile on your face, I don't know what does. Isn't that just awesome? So it truly is an honor to be here today. These events are so special. I think they mean so much to not only retirees, but I think they mean so much to all of us, not only in uniform, but out of uniform, because it really reflects who we are, right? So I'm going to start off by just thanking the folks who put this on. These are not easy to do, to say the least. You know, that amazing, fold-flagging, flag-folding ceremony. It really reflects who we are, right? It talks about our sprita corps. It talks about the profession we come from. It really represents something more. And you're part of that. You're part of the Army profession, so congratulations. You really deserve it. I love doing three ceremonies. One are the enlistments, or the first time you come into the Army, because it's when you first raise your hand and you take an oath. You take an oath to the Constitution, really something bigger than you, right? Something that reflects more in this world than I don't think any of us fully appreciate. And what it really is about is selfless service, and you're just starting that career of leaning into selfless service. The second ceremony I love doing are actually promotions, because you get to reflect and talk about people's past performance, but really promotions are about future potential. So you get to sort of challenge them, to lead and live into that potential. But I love these ceremonies, because not only did I get to watch you take an oath, I got to see you live into that selfless service. You got to watch you lead into that potential and be successful. But really, this is about saying thank you. Thank you for all that you did. Thank you for all your sacrifice. Thank you for all your hard work. And there's two groups I think we always have to really pause and think. One are your friends and families. The friends and your colleagues is the primary, and the family is the secondary thing. The primary, because truthfully you would not be here as a soldier without someone coaching you, teaching you, mentoring you, and sponsoring you along the way. So if you have a chance to go back and talk to those coaches, teachers and mentors, tell them thank you. Tell them, great job, because you've had an incredibly successful career. And that other group we have to say thank you to are the families. You saw that up here. Amazing families. When we deploy, or we go into harm's way, or we're staying late in a hospital, or we're working crazy hours, we know we're safe. We know what we're doing. The family doesn't. The number of moves are required to make. The challenges they have, they didn't sign up for that. They just got it along the way. In that commitment and that dedication, really, thank you. Thank you for doing that, because the soldiers are successful because of you. Without that support, this would never happen. So let's say thanks to the family and those friends and those colleagues. So we have an incredible group of eight people. Hopefully you've had a chance to sort of read through what their history is. We have over 206 years of experience sitting on that edge. When you lose 206 years of experience, the Army pauses a second, right? That's an awful lot of the profession that isn't moving forward. And you hope they've coached, teach, mentored, and sponsored the next generation to be successful. And I'm sure they have. And if you look and see where they've been, we have folks that have been in Europe. We have been folks that have been in Asia. We've had folks in the Congo. We've had folks in Saudi, in Qatar, in Kuwait. But what defined most of us was actually the global war on terrorism. Our experiences in Iraq and Afghanistan, I think it changed us as individuals. I think that changed us collectively, and I think it changed us as an Army. But you stewarded the profession during that time. You helped it grow in the right direction. So thank you. Thank you for being that steward of a profession, going through probably one of the most dynamic times we've seen and the changes we've seen that we've not experienced since probably the Vietnam War. So congratulations. Congratulations for stewarding the profession in an incredibly challenging time. And the reason I say profession is because profession is a very special word that we should focus on. Profession is a group of people that are dedicated and trained to something very specific. And that's who you are. And professions actually are really unique because we are internally motivated. You're not motivated by money. You're not motivated by certificates. We do it, but that's not really why you show up. You're not motivated by a ribbon. It's internally driven. And professions actually monitor themselves. They fix themselves. They teach themselves. They control themselves. And I think there's the most noble profession we have is the profession of arms, specifically the Army profession. So thank you for being part of that. And it's incredibly successful. And I always put the profession of arms, specifically the Army profession, on the back of the soldier's creed. I'm not going to ask you to say it because that's a little stressful, right? So if you read the first line, it's, I am an American soldier. It's actually the first and the last line. The second line is I'm a warrior and a member of a team. That's what you've been. You've been a warrior and a member of a team. The third line is I serve the people of the United States. It goes back to that initial oath that you take to the Constitution. And you live the Army values. And folks that retire actually know how to live the Army values. And then my favorite line is the second to the last. So I'm a guardian of freedom in the American way of life. Just let those words just sort of rattle around in your head. I'm a guardian of freedom in the American way of life. That is really special. Thank you. Thank you for being part of that. There's a couple quotes that I love. One is by Sir Isaac Newton. So the guy described gravity and rotation of the planets. And he said, if I have seen further, it is because I stand on the shoulders of giants.  You're the one that has been picking us up, putting us on your shoulder and occasionally shoving us a little bit higher to see more. So thank you. Thank you for being those giants so that we can see further, really push that Army profession into the next space. So thank you. And my other quote that I really appreciated at times like this is Dr. Seuss, who else would you quote, right? So sometimes you don't know the value of a moment until it becomes a memory. You'll have lived a lot of moments. And now you have a lot of memories of your time in the Army. You're now transitioning. You're going to San Antonio. You're going to New Braunfels. You're going to Wemberley. You're going to Houston. Some of you are going to Shreveport and also Chile for six months a year, I heard. So you're going to have new moments and you're going to have new memories. And I read what you all were describing that you were going to do. Some of you are going to continue to serve in your communities. All of you are sort of recommitting to the family. Some of you want to join the National Guard, which confused me a little bit, but okay. Some of you just want to sleep for 30 days, which I thought was awesome.  I think you're there. I'm sorry.  You're not going to get a brat certificate. But again, you're going to have these new moments. You're going to make these new memories. But don't ever forget your Army moments and your Army memories. It's an incredible profession. You're always a part of that Army profession. You were always a soldier for life. And thank you. Thank you for all that you do and all that you will continue to do for our Army moving forward. Thank you. Ladies and gentlemen, please remain seated for the playing of Old Soldiers Never Die and Old Lang Syne. At this time, all honored retirees, please report to the stage for a final roll call conducted by Command Sergeant Major Victor Lerzion. Colonel Leon Houdin. Here, Sergeant Major. Lieutenant Colonel Andrea Acosta. Lieutenant Colonel Aaron Lozano. Here, Sergeant Major. Lieutenant Colonel James Giddens. Lieutenant Colonel Glennie Curtis. Lieutenant Colonel Gamble Money. Major James Jones. Staff Sergeant Juan Urbina. Ladies and gentlemen, please stand for the playing of the Army song. The words are printed on the last page of your program. We invite you to sing along. Please be seated. This concludes today's ceremony. Thank you for attending. Please come forward to thank the retirees for their service to our great nation.


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