Mae gennym i siw i ni again. Yn y ddiddorio gan y cyfnod yma yng Nghymru, o'n ei gwirio, a'r dysgu ar y ddechrau'r gwybod yn oeith am ordenol, ac mae'n gallu wneud o'r grwych yn y gwasanaeth ar y ddechrau. Mae'n dwybraf i ddweud o'r ffrahu a'u gofyn nhw. Ond mae'n dwi'n dros i gyfo'n eu gwirio, ond mae'n gallu gwirio ffrahu o'r ddechrau. Mae'n dechrau fastyn o'r ysbyty, ond mae'n gallu gofyn nhw i dweud. Mae i'n gofyniwch yn y helau, Ac rai i gwneud eu chyflwyr mewn hyn, rydyn ni'n molygyl cooperation arall, i gwybod at yw'r hyn sy'n mynd yn eu bach sy'n gallu cyfrifoedd z Orion i'r holl ddweud am gyngor 1000 yr un iawn. O'r hynny, rwy'n dweud llawer i'r bai amser y мыf. Rwy'n rhaid i gyd-di, bod wrthyn ni wedi cael ei ddwy. On lwytaeth peth yn eu lim bydd yn ddyn nhw'n gofyn a'n gwybod â'r sgwad i'r rhaid am dewis yn eu peirion. Felly roi ddigonio ar rydyn ni, a ganddoedd gen i'r cyfnod. Felly rydyn ni'n ffroed chi'n wrth ffrwng o gyd yn y piliadau.� y ffrodd, mae'n gwahanlu i'r ydyddol diwrnod, mawn i'n ffrwngio arall i ddim, rydyn ni'n ddweud amser y ffordd. Rydyn ni'n chysylltu gweithio ar y gyfriffrwng yn nhw. Fydd ymbryd, yn yr eich arnau, sy'n rhoi roedd yna yn rhoi ddydd chi'n bwysig ni yn rhoi arall y rymau? Nid yw'r ystafell, yw'r ystafell o'r hyn yn mynd i'ch cyd-ynau eu cyd-yddiad ddatblygu'r gweithio. Rhaid i ni'n gweithio'r ystafell o'r gweithio'r gweithio o'r cyd-dynau. Dyna dwi'n ganchael eich bod yn ein ddweud o'r cyd-dud o'r cyd-dud, ac ar ôl yna mewn gwirio'n gwneud o'r cyd-dud, ond mae'r hyn yn gwneud o'r cyd-dud o'r cyd-dud o'r cyd-dud, ychwanegon oedon i fod o fod gyda'i arnod, ac os gofodd yn chyflwr i ddyliad y dyn nhw'n gwneud hyd yn ei hunain, maen nhw'n ychwanegon o'r ddwy'r peth iddyn nhw ynogi pray ein peth. Friendau, mae'n meddwl o'r ganfer o'r cyflog i'r oedon, ac mae'n meddwl o'r angen i ddim yn cael ei tarreddau. Oetheb, mae gennym ni gollewch yn y sgordond. Felly'n ni'n gofodd wedi'u arno. Rwy'n gwaith yn ymlaen ni'n mynd i'w ddyddion ythod o gyf ar gyfer y dyma? Rwy'n dda i ffru allanleidio'r ddiddorg gfryd â'r gyffredinol gyda y ddiddorg? Ie, mae mae'n ddiddorg, yn dda, mae'n gyffredinol a'i pryd yn bobl. Mae'n ôl yn ffordd hynny o ddiddorg, canu'n ddiddorg a'r ddiddorg, So dyna gynnwys fel rydyn ni'n sgwpio. Felly, mae'n ffordd, mae'n mynd i chi i amser iddo i'r wych. Mae'n ffordd, mae'n ffordd. Mae ydych chi'n meddwl i chi. Taric Wright yn ymgylchedd y tîm wrth i ymgylchedd yng nghymru fel y sydd yma. Gweithio y pethau ymgylchedd ymgylchedd ymgylchedd ymgylchedd yw'r mwyaf? Felly, yna'n gweithio yr ysgrifenni i'r lleol? REUH Gw anchodwch byw i'w Gwchunedd, a wefyd i'w rhydym yn y gyfnod amhd talking about the strengths of the squad, the potential areas where we need to improve and I just thought we needed a little bit more pace in our forward areas as we have got good score, good technical players so I don't think we've got anyone with that outright pace that can stretch teams. By 那 I'll give him a profile of what I was talking about. And maybe 10 days ago or so, I suppose mentioned Tyreek. I've obviously known about him from his previous time here, but not working with him. He fit the profile, of everything that we were looking to bring in. Then I have spoken to Tyreek about the potential coming back and how will I do things, and how he would fit in and I could hear the excitement in his voice about him coming back. Obviously, I doubt if it was particularly what I was saying, I think it's more on the memories of what he did in previous. So, yeah, listen, we want people who are Moved who are excited to be at Branffis City, it's a privilege to play for this club, so it was great to hear. And then there was a bit of a delay in the deal we tried to get done before the weekend, but unfortunately that was delayed and, yeah, but he's with us now, he's trained the last couple of days, so we're delighted to have him. You talk about that excitement, is that a bonus for you as a manager that you're bringing a player back to a club where he has fond memories of playing at this club within the last year or so and he'll know quite a lot of the players that were in the squad back then as well? Yeah, I think so, two ways really, because obviously for him he feels like, I think he feels he has unfinished business because of when he left last time, he obviously at the same time as this year. And I think from the other side, the players who did play with him and obviously the supporters who saw him already know what he can do, so I still think he has to prove it again because that's what football is, you have to constantly prove yourself, you can't just think I played well a year ago, it automatically happened so, but he's a guy with his feet on the ground, he knows what he has to do, and training works exceptionally hard, but the other players know that we've brought a quality player into the group and I think that's always a positive when players get a mental lift seeing good quality come through the door and know what their attributes are and certainly we're sorry, that's the case. He was used predominantly as a wide player but towards the back end of his spell, he was also used as a second striker with the top two. How would you look to best use him? Well, I spoke to him about this because obviously I watched his games at Plymouth as well and he's been playing wing back there, so I see him in any of the attacking areas really, the way our wing backs play is quite an attacking position to play. He's a forward more than a back, so I think he can play any one of those, we've played with front three in the last couple of games, front two before that, wing backs in the last 10 or 11 games, so I think he can be in a really good addition for all those positions to be honest. I've not brought him here to be a utility, messing around, playing all over the place, but I like players that can play in a couple of different positions. I think he gives us options mid game or for different selection issues, so I think he's just got qualities that any manager would like to have in his team. So it's about finding the right balance with the other good players because he's not just plonking them in there and disrupting what we've been doing so far, but we're really excited to get him because he gives us something that I feel we're a little bit sure of. We've spoken to him today, he says that he's set to start, he's fit enough, he could last 60 minutes, that's the players perspective, managers perspective, that's what he said, managers perspective. It's 95 minutes in a game. I ask that question, in what fitness state is he from your perspective? This is the really difficult one because we've only had him Tuesday and then obviously he's trained today, so we're assessing him, we haven't seen the data from today, I saw it from Tuesday and he handled that quite well. So he looks sharp, he looks fit enough, he hasn't played a lot of football to be fair since he left really over the course of a year, so we've got him for the next 19-20 games. We have to make sure that we keep him for that 19-20 game period and not just flog him to death, but from what I've seen so far he could potentially start. I can tell you what minute he can last too, but we need players that have high energy, we play in a highly energetic way, so we want players who can last longer than most, but we've got different options for those positions. We'll see how he does, but we've got another data to assess him tomorrow as well. He certainly looks trimming off and ready enough and he's still at a good age to have loads of energy. In terms of further additions this window, do you envisage any more or are you happy with what you've got right now? I feel we need maybe one of the players at the moment with the current squad that we've got. We're discussing behind the scenes about who, we haven't got a defined actual player, but what we've looked at, what we've done really well over the last 10 or 11 games, where we need to improve and now we're looking for a certain type of profile of player that will help us improve again in that, but if we do go for that type of player and get that player at the moment, I'm really happy with what we have in the building. Is that in a specific area on the field, a particular role? I'm going to keep that to myself, because I just want to see how the next couple of games go, but it's something that I feel we're potentially missing to add to our armory, but I'm really pleased with what the players have given us. There's still obviously things we have to improve, but the players are coming to terms with what we want to do. We're still in a part of a period where we've changed from one style of play to another, and the players have got 70, 80, 85% of that really well, which is just that extra bit that we have to go and turn the games in our favour. I know one of the main ambitions coming into this window was trimming down the squad. Are you any closer in achieving trimming down the squad? To move forward, because there is a budget constraint. We can't go and spend whatever we want to. We have to use it as a business, bring in cash flow to go out and improve the squad. If those want to move out, then we'll be able to bring another one in. We'll see how the next 10 days go. Just on Rehan Tullock, I know I asked you about him a week or so ago, and I think you said at the time that it was likely that he might move the club. Is that still a case? To be frank, he will be moving on at some point. He's on loan, and there's a deal in place, but he understands he's not going to play here. For a lad of his talent and abilities, he needs to go out and play. I know his contract's up at the end of the season, so for his own good he needs to go and play games to make sure he secures his future. He's trained with us today. We're doing the right thing by him, but at some point I would expect him to move on. Team Newswis is going into Saturday. How are you shaping up and have you been able to welcome any back into training? No, not from the injured guys. No, we haven't had any additions from that, unfortunately. I think it's difficult at the moment, because obviously with the weather we've only been on 4G this weekend, so it's difficult to reintroduce lads who have come back from injury onto a surface like that. It's just been the same squad. We haven't lost anybody from the last squad, but we haven't added any to it. We're down to roughly about 18-19 players, which is fine with me. We've got enough to pick a good team, pick a good bench, so we'll be ready by Saturday. How close is Jamie Walker? I think this week maybe knocked him back a little bit. We were looking to potentially get him out on grass. He went out on the grass on Tuesday, but it was like this table. It was rock hard, so we just didn't push him, and it's the same again today. It's going to be the same again tomorrow, so unfortunately the weather has postponed that next step in his return to training. We'll see hopefully if whoever gets better over the weekend he can potentially be on the grass, not with us. He's with the medical team, but that's the next stage of his recovery. Lewis Richards? Lewis potentially would be with us tomorrow. We saw him out with us on the 4G, but only in a little managed session, and then joined in one part of us. He's going to potentially train with us fully tomorrow, depending on how he feels from today. If that goes well, he'll be back in training next week.  Jake, you're? Jake was around the pitch jogging around with Lewis today. He did a little jog on Tuesday, I think it was, around our pitch.  He's progressed each day, which is a positive. I just spoke to him there in the gym, and he's feeling good. Fingers crossed that continues just in the speedy it has. Just on Jake's situation. I think you said at the weekend at Colchester that you'd rejected another bid from a club who was interested in Jake's situation. Obviously, there's a player in the middle of all this, and there's bids coming around, bids being rejected, there's a lot of talk about his future. How is he in himself? I don't really know on that perspective. I haven't sat down. I've got 20 other players to look after, and I suspect my first priority at the moment is the one trying to win points for us and playing, so that's where my main focus is. For Jake, it's a good place to be that people want him.  That's when you've got to feel sorry for yourself. If people want you, it means you've got a good potential, you've done a good job. It's always a good place to be. It's obviously easy for individuals to handle it. I'm here if you want to speak to me about it. I did sit down with Jake a week ago and sat down at the proper chat with him about the whole situation, about using my experience as an ex-player. He's the only young player I've probably experienced in this type of scenario for the first time.  From my perspective, I couldn't wait until he was fit. Do you get the feeling that he wants to stay? I think there's scenarios. I think he's potentially, when he came back, a little bit confused about everything going on. He hadn't spoken to me at that particular point because he wasn't here. I left him to play at Swindon. Only when he came back in did I have a first conversation with him. Then it snowballed into all the interest and everything like that. The first time I sat down with him was last week. There's definitely a scenario there where he would like to stay. I say he's got options. There's potential options. He's got a two and a half year contract, which he has to honour. We want players staying in for the right reasons, but it's got to be the right reasons for us as well. We have conversations. We try and work out the best-case scenario. I just wanted Jake to understand from my perspective exactly how I thought where I'll swim in our future and the potential for future moves, future progression. It doesn't have to just happen in this next two and a half week window. Whatever potential option he does take, at 22, you've got to think of your career first and foremost. It was a good conversation. I think he appreciated that conversation. I wanted him to be clear about my thoughts on everything, instead of reading bits and pieces, joining the gaps through representatives, all the clubs, all that sort of stuff. I made it clear to him, which I think he appreciated. I spoke to him a couple of times, not only on a normal good morning, how you're doing this and that. Let's be honest with you, there's a squad that comes first before any individual, but we care for the players. I understand every player's individual. I've probably experienced everything that they go through. Of course, it's a 24-year career, so I try to have a little bit of empathy for where they sit and not just look at it from my perspective, but look at it from the clubs, from the players and from mine, and try to join the dots. You mentioned that they've been interested in some of the current squad from other clubs. Has the club received any official bids for any of the players in the squad? No, just inquiries about potential loans or what their scenario is, long-term stuff like that. Just the normal stuff that goes on nearly every day in January. Nothing concrete for any of the players, so we'll just see how they progress. Just finally from me, I know you were bitterly disappointed with how things ended in Colchester. Reflections on that game for you, Graham, and how you've looked to use those reflections this week with the group? So we just focused on that, and a little bit of the mistakes, and it was only tiny little mistakes. You couldn't look at one player and say that was a blame mistake, but just a couple of tactical mistakes we made all in one move. It was three little mistakes, but it was a big consequence. We conceded a goal out of nothing, and then immediately went back to what we were doing, and then we're in no trouble for the rest of the game. So that's how dangerous it can be if you lose your focus for one minute, for ten seconds in a game, that you can get punished, and we got punished. But when we looked over the game, it was a game we obviously should have won again, but we want to get to those fine details, and that's what we've focused on. We've got a lot of stuff right, but the games can be down to the finest detail. And that's where we've got to really focus on, because they're small things, but they're big consequences or big rewards, and that's what we want to get back to. But we wanted to strengthen the players' mindset in what we've done so well in those games as well. It's just about this issue. Listen, look at all this other stuff that we're doing so well. So it's just a little reminder of the progress we've made since Knox County, which has been massive, but there's still more to go. And that's what it is. It's delighted with the players, what we've done so far, but we're still not where we want to be as a team, or in obviously the lead table in points. Thanks, Graeme. OK. Obviously, Yorkshire Derby this weekend. What are you expecting from Caster to bring in terms of how they play him? I think I went to watch him on Tuesday night, and they played really well. They deserved to win against Wigan in the Cup. So I think they're a good team. I think Grant's changed a few things in their formation and so forth. But yeah, they've got their threats. They've got certain individuals that are really good. And that we determined because obviously we only played on what, four weeks ago, five weeks ago or something. So there's potentially a wounded animal there, but as I say, we've got focus on our improvement we have to make. If we make that improvement, then I feel we're putting ourselves in the best chance of winning the game. I think it happens every season when it's a quick turnaround of a fixture. Does it make it easier to play to me, or is it more difficult? I think it's a bit of both, really, because you know a little bit more about each other. So they know more about us. We know more about them. So that's equal because we're both the same. There hasn't been a big period of time to change that much between, even though it's in January where I think they brought in a few additions. Osleso, only, Utari, really, and Sam, sorry. So there's pros and cons, to be honest, but you could play the same opponent every day of the week for seven days. It would still be seven different games, you know what I mean? Because a little thing's happening at the instant and some players go in and out of form. So it would be a different game without a shadow of a doubt, but it's obviously born where you are on a similar result. Obviously, the weather this week, as you mentioned, have you really touched with the ground staff at Valley Parade? No, well that's Mark Harrison. Just give me an update on the state of pitch. At the moment it's unplayable. It's obviously rock hard. The weather forecast isn't fantastic until Saturday morning, so we're going to do everything we can to get the game on. We want to play games, but no one can control what's going on above at the moment. It's quite a few days on the shot sometimes. It's 24 hours, but it's okay. But if it's day after day, then it can set in.  Hopefully we're going to prepare like the game is there for us. We won't do anything differently, so fingers crossed. Yes, we can all see about having a second offer for Jake Turned Down. Has there been any more further interest talk? Obviously it's well documented at the moment. No, I don't think so. Obviously there was a lot of talk about it over Tuesday and yesterday. Wel, mae'n ein club o'n addysgu'r partiliad, fel y bydd ganddo, rhai ni'n gallu neud anyddog fel ni'n pob yma, fel ôl o blaen o'r dim o'r piliadau, fel y gallwn yn gwneud efallai eu rhywbeth. Ty chem dwi'n cael ei fath. Ac mae'n gael yn teimlo i'r club o amser hynny? Oherwydd mae'n gweithio'r gweithl. Mae'n wneud i'r amser o'r gweithl, Cymru'r gweld a'r ddweud y prifau cysylltu? Yes, it's wrong. It's plain simple it's wrong. I didn't speak about Jake and he was out of play when he was on my own, out of respect for him doing a job for Swindon at that time. I didn't speak to him about him but I didn't want to. He was wrong because I spoke to the manager of myself last week who contacted me and asked me about him and I told him the thoughts on Jake. I did not want to sell them. I could not be in any clearing out. It is straight after a game, so I know my emotions come right. I have been there myself, but there are certain things that you know. It does not matter what it is, it is not an excuse. So, I am disappointed from my perspective, because I spoke to the manager myself, about Jake. Is there an agenda behind it, potentially, about letting a player know? I do not think he has any right at all to set any price on any other team's player, to be honest. So, I did not really get where he was coming from, to be honest. But we were quite clear with him, I was quite clear with him in my conversation. So, we crack on, but we are all grown adults in a country of free speech, but that is how it is. With January and the speculation as it is, it just throws another thing into the pot. From Jake's point of view or the player's point of view, it is something else thrown at him.  I told him that I had no interest in selling Jake young, that he was part of my plan, so I wanted to keep him here. I spoke to Jake myself, made it clear of my thoughts and my ideas about him and us. He decided to say what he said after his game. I think it was completely wrong. I do not think it was particularly disruptive to Jake, because I think Jake knows for sure how highly we rate him and value him. That is the biggest thing, which I told him to face anyway, but maybe that proves the point even more. So, he might have done me a favour, I do not know. On Tyreek, you spoke earlier in the week when Tyreek was signing. You said about the great reviews from Ryan and Steven Jett, and there was a suggestion. Perhaps are they picking your players to sign for you? You know how these things can grow legs. Presumably, you identify as a type of player.  That is pretty much it. If all the recruitment was left just to me on my own and manage a team and take training, it is impossible. It is why we have a team of people that work for the same thing, but it is me that picks the team. It is me that goes, that is a good player. This is the profile we need, this is why I am here. I am here to pick a team, to manage a team, to use my football expertise, so-called, to do the right things for the team. So, explain it quite clearly, this is it. They did not say, right, you have got him. They said, well, we have got this player who is interesting to come about. Does he fit the profile, watched him, knew about him? Yes, he does. That is it. I do not know where these things come from, but there is absolutely no issue on that side of it. We have got our boundaries about where we did, like I said last week. I do not do budgets, I do not do that. I know why I am here. It is on the football perspective. People have this control, I have this control, they have that control. There are obviously bits that are interlink, which there has to be. But no, I am allowed to manage. Broadening that point a little bit, obviously, talking about with Ryan, the chief executive, he has obviously got a good relationship. No, Ryan hates his age being mentioned as being one of the youngest chief execs. How has that done out with yourself? Obviously, you are a bit older than the chief exec. What are you trying to say? How does that sort of work between you, that dynamic? Is it working well? It works like two blocks, working together. That is it. The whole age thing, obviously, until you said that, it has never crossed my mind. How old is he? Is he that young? Do not look it. Honestly, we work like we are supposed to work. He is CEO, I am the football manager. We work together, we discuss everything. He gives me advice on some things. I give him advice on certain things. We use his skill set, my skill set to make Bradford City better, hopefully. I have been a 19-year-old player, I have been a 39-year-old player. I have been older than a manager that I have played for. Do you know what I mean? The one thing, when I was 19, I wanted to be picked because I was good enough. When I was 39, I wanted to be picked because I was good enough. I did not want to be judged by my age or this or that. I would be the last person to judge anybody by anything so futile as that. To be honest, I treat everybody or judge everybody by how we talk, act. I can not really go any bigger than that, to be honest. Two blocks working together. One more, do you need to say? To be honest. On Doncaster, you have played three times in a short period of time. Three debutants on Saturday, I think two of whom were caught tight when you saw the choose. Are you expecting three quite different teams in terms of personnel for those games? No, not too much because I thought they played well. I am sure Grant was pleased with their performance and their result. When you bring players in to help improve your team, you are going to want to use them. I cannot read Grant's mind. I do not know how pleased he was with their performance, but I watched it myself. I would have been quite happy with it. My biggest focus is on getting my selection right and getting the team to play at its maximum potential level. That is regardless of the opposition, but we will have an idea of what it potentially could be.  They will probably play in a similar style, regardless of the actual personnel in it. They do have different options to play in a different way. Obviously you had a really good night a few weeks ago. You probably took about 15 minutes to find your feet as a team, and then after that a really good performance at Doncaster. Sorry, I was delighted. You are right, I think it was a competitive game. It was a Yorkshire Derby. We had a massive following. It was just before Christmas, so there was a lot of that. It did not settle down in the three of a team until probably 20 minutes in, but by then both teams had scored and we got the upper hand and deservedly won the game in my opinion. But it will be here. There has been a lot of football played between then and now. We have to make sure that we are as positive as we were that night. That is the kind of what I was going to ask. Can you learn a lot from that, or the fact that there has been so much football playing and changes to both squads? I think it is the same in every game that you plan for. There is probably 77% of it that you are pretty sure of what you are going to find, and then there is another 25% that can change from game to game or, like you say, over a course of a month. So there is always that scope to the game to look differently or the opposition to look differently. But like I said, you can play the exact same two teams and it will be a different game altogether. So that is the nature of football and professional sport. We are looking forward to the game. We need to get back to winning ways. Our performance has been strong, but we haven't picked all the wins that we want. So we have to do that sooner rather than later. You talked a bit with Jeremy about conversations with Jay, with Dine, with Harry as well. What is important is honesty when you are managing these players in January, so that they know where they stand and you don't end up keeping an unhappy player or moving on wrong. It is not about keeping an unhappy player, because I think sometimes you have to do that. That is the thing. But I think it is good to have communication where they are not wondering what you are thinking. That is what I spoke to Jake about. I said there is a lot of talk out there, but you have not actually heard me speak. So I wanted to put you in the picture in case this is what you are getting from other people. This is exactly what I think about the situation. This is what I exactly think about you. I did the same with Vadain. I do the same with any player that knocks on my door and wants to speak, or if I pull them in to speak. I think sometimes I say things that they don't particularly want to hear or like to hear, but it is the truth or it is my truth and how I want to see things. Then they can manage the situation a little bit better because they have more info. But it is not a case of how can we help you get exactly what you want. Contracts are there for a reason. To hold both parties to account or to their responsibilities. Like I said, I felt Jake needing maybe a little bit of empathy and advice on the situation you might not have had previously. I have experienced a lot as a manager and I experienced not a lot but a few times as a player. I just wanted to sort of... So he went home and if anyone asked what was the manager thing he knew exactly how to answer it because I told him exactly how I thought. I think it is important to have that honesty and respect but sometimes two different parties want two different things and then you have to find a sort of happy medium but ultimately my responsibility is to do the best for Bradford City but I also take into account my responsibility to each individual player and how I can help them. Because I guess it will extend me on the individuals where it will get round that this is a manager and be straight with you or this is a manager who won't so it will have an impact once. My reference point is my own career so I would rather be told a hard truth than a soft lie to be honest at least you know where you stand and I know the times that happened to me in my career where I didn't particularly like the conversation but at least I went well, I know where I stand now and as I got older actually that's the best way to go about it you don't want to... That was good but you don't play for another six months it's a lot of rubbish then wouldn't it? So for me I would try to marry up doing the best for Bradford City win as many games as possible do that but also enhance the players' careers understand that I've been there as a player and I understand it but my response to it is to Bradford City so I think I'm here for you I'm not I'm here for Bradford but I don't want to just be on one line and I do want my players to trust me if they can because it's a difficult sport there's a lot of noise, a lot of messages you get some different types of people and I've been there so I try to be somebody where if they want a bit of playing truth they can get it from me that's just helps me sleep at night to be fair I'll need my kit I mean it was very stable here post-Nox County for the back in terms of the group of players you were working with and all that sort of thing it's January just a month away so what's in these presses all month about being adaptable is that like the key thing for manager this time of year? Yeah I've only learnt that over experience when you go in December you're going to do this, you're going to do that, do this and that's what we look like and then you get to February and go well that didn't happen and this didn't happen and then that came from nowhere so over the years I've learnt how to be ready try and have our targets, our ideas about what we want to get out of the window and like I say ultimately it's alright when we come out of it better than we went into it that's the ultimate aim but it's the same in life football you don't know what can happen tomorrow so you've got to be ready to adapt and not lose your composure not lose your senses and just go okay how can we make the best of this scenario for our club and it's helped me over the last few years manage these situations and maybe my discussion with Jake has come from my experience I might not have had that discussion 7-8 years ago with a player I might have been a bit more abrupt but I just wanted to see it from his perspective as well and there was a part of it, it wasn't me just talking to him I wanted to get his thoughts on how he felt the whole scenario was going as well and what he ultimately wanted so that's it's just a grown up way of doing things to be nice So you're almost planning too much when you start seeing what you've been planning that's it I think you think everything's in your control and you can control every scenario an outcome and ultimately you can't influence it you can try and manage it to the best way possible ultimately you probably can't control absolutely everything so just having that mindset you can influence it you can come out for the best outcome but it might not go that way so that's it's the same as anything in life which if you've got anything about it you should learn from it and try and act better in the future so we'll see what the next what day you are 18th, 19th or something 10 days spring it's more exciting for other people than me to be honest but my focus is on trying to win games as well as that I won't ask you about Tariq because obviously you were managing him this time just in general with your players they have to be careful about not too soon or in the case of Rayon not getting stuck somewhere where they're not playing enough football do they have to be very picky about football's there's no guarantees there's no guarantees so if you're going to ask a player don't move from lead 2 to the championship why would you give that advice you know what I mean because ultimately players like myself you know the odds of making it as a player they're very mind you but you back yourself but I think I can do it you have to have that belief in yourself in that confidence so you can't go turn down a club I probably won't play there I don't think that should enter your mindset there's a balance between young players going to a massive jump where you go out you're going to take a step backwards because you might not go first in football I think that is coming more apparent with players young players and sometimes and listen this is me you make a decision because you feel it's right at the right time it's only high inside your eagle you might have made a mistake or something like this but you know it's if you don't go for it then you're never going to go anywhere are you if you don't back yourself and go for something that you feel is positive at the time so Tyreek at the time made a move that he thought was the best thing for him and ultimately that might be the case going forward you just don't know what's around the future in the future but right here right now he thought the best thing was coming back to Bradford to get his career back on track to actually play the games but he also understands that he's got a competition here it's not a case of just walking into a team and there's a good squad here good players but I think that good players thrive on that competition environment and that's why we try to create it because I think the best players thrive in those scenarios to be honest


Hey, hey there, two squads, Logan here and back in the game with another reaction video. And today we're gonna be continuing on with our Oh My Girl series, and I'm sorry that I didn't do it yesterday. I am really sorry. I got pretty busy with some other things, and then I got like blown away by SF9. So that's why I didn't upload Oh My Girl reaction yesterday, but now we're gonna be moving on to this one. And I was just wondering, okay, so I was wondering, should I stop reacting to the sketchbook series and start reacting to some other things from Oh My Girl, and then just watch sketchbooks during my own time. What do you guys think about that? If you guys want me to do that, comment down below some series that you want me to react to from Oh My Girl, because I know that they have two. I can't remember the names of them, but I know that they have two. So if you want me to start doing that, because it's apparently easier to learn the members, then I'd be happy to do that, because like, this is nice to watch, but I'm not sure if it's like helping with like, remembering the members that much from when I'm doing a video on them. So I'll watch these during my own time, and then like, you know, these will help me during my own time to learn the members.  But yeah, other than that, let's get straight into this. I'm freaking excited. I hope you guys are too. And let's do this. Damn it, okay. Just jumping up on the staff. Okay. Oh, they made it shorter. Only we're only remembering from Music Bank right now. Yes, Song Hye? Why is it Song Hye? It is Song Hye. And then there's Yoo Ah? Oh my God, that's... Dude, this issue is such a cute thing. Song Hye, yo.  Oh! Oh, yo. Yo Jung, what's that? What's that?  Uh, if I couldn't read that. Yo. Oh, my God, Vinny. Oh, my God, Vinny. And then, uh, there's Yoo Ah in the background, and her's on the right. J-O? Oh, my God. Vinny, man. Vinny's so cute. Aaron? How do you pronounce this? A-R-I-N. Aaron? I don't know. I don't know. Aaron? How do you pronounce this? A-R-I-N. Aaron? Aaron? No, I won't be Aaron. I don't know. Aaron. I think it might be Aaron. Oh, my God, Vinny's so cute. Okay, okay. What? It's not that I'm short. It's just that when I do activities, I'm a little bit... Cats, man. I bet he's too low. Dude. Yeah, I'm definitely... I'm pretty good with this at my own time, but at the same time, I don't. I don't know. Ah, I need your guys help. Yeah, that looks like the order from shortest to highest. Taurus. Ah, there's so much tech happening on the cut. That was a good episode, man. Vinny was so cute. I was just like... And there's a lot of stuff happening all over the place. There was a lot of techs, and I'm just getting confused. But I was getting members right, which is a good sign. It's a really good sign, so that means I am about to have all the members in lockdown in my brain. But yeah, can you guys please let me know if you want me to continue doing Sketchbook or if you want me to do another series of All My Girl, because I will be having to do either of them, but at the same time, I don't want to watch this during my own time. But yeah, I don't know.  Is that a paradox? Parallax? Parallax? I don't know. Stuck. I'm getting stuck. But yeah, guys, this is going to be all this video. I hope you guys did enjoy it. If you guys did, then definitely show some support by leaving a like and also comment down below. If you want me to continue doing Sketchbook or if you want me to do other series, I do know which one is all down to you guys. And don't forget to subscribe to guys on Nugtiv's channel because there will be more All My Girl reactions coming to you guys in the next episode, so stay tuned for that. And yeah, other than that, I hope you guys have a great day. And just keep on smiling. And adios, amigos.


The food industry enjoys influential positions in surprising places. The American Dietetic Association, the world's largest association of nutrition professionals, is, in its own words, devoted to improving the nation's health. To that end, they promote a series of nutrition fact sheets. Who writes them? Industry sources pay $20,000 per fact sheet to the ADA and explicitly take part in writing the documents. The ADA then promotes them through its scientific journal. Some of these fact sheets are what's a mom's to do? Healthy eating tips from families sponsored and co-written by Wendy's. Lamb, the essence of nutrient-rich flavor, sponsored by the lamb industry. Cocoa and chocolate sweet news from the Hershey Center for Health and Nutrition. Eggs, sponsored by the American Egg Boards Egg Nutrition Center. Responsible drinking choices from the Distilled Spirits Council. And the benefits of chewing gum, sponsored by the Wrigley Science Institute. I didn't know Wrigley's had a science institute. In 2008, the ADA announced that the Coca-Cola company had become an ADA partner through its corporate relations sponsorship program. The ADA provides partners and national platform, the ADA events, and programs with prominent access to key influencers, thought leaders, and decision makers in the nutrition marketplace. The ADA's press release also pointed out that the Coca-Cola company will share their research findings with the ADA members in forums such as professional meetings and scientific publications. Did you know that there are no harmful effects of different Coca-Cola beverages on rat testicles? Was that even a concern? Thou doth protest too much, me thinks. When the American Academy of Family Physicians was called out on their proud new corporate relationship with Coke to support patient education on healthy eating, an executive vice president of the academy tried to quell protest by explaining that this alliance was not without precedent as they had similar relationships with Pepsi and McDonald's for some time reminiscent of similar types of relationships in the past. The fact that the Academy of Family Physicians was also collaborating with Pepsi and McDonald's didn't seem to placate critics, so the exec continued. Look, even the American Dietetic Association has made a policy statement that there are no good or bad foods. Indeed, that's the ADA's official position, classification of specific foods as good or bad is overly simplistic. The ADA is taking a strong stand that there are no good foods or bad foods, a position that the food industry has then exploited. In its early years, the tobacco industry sounded a similar theme. Smoking per se was not bad, only excess smoking. Everything in moderation. Is this what family docs have been reduced to? To justify an unholy alliance we hide behind what others say and do and deny that there are actually unhealthy bad foods? I wonder how much money the ADA receives from the Coca-Cola company and other food and beverage companies that have come up with their no good or bad foods philosophy. In 2012, the American Dietetic Association changed their name to the Academy of Nutrition and Dietetics. Did their policies change at all? After all, they now have nutrition in their title. A landmark report last year from one of my favorite industry watchdogs found that they continue to take millions of dollars in corporate sponsorship money every year from meat, processed junk, dairy, soda, and candy bar companies, and in return offer official educational seminars to teach dietitians what to say to their clients. So when you hear the title Registered Dietitian, this is the group they're registered with.


that when they do give us something, we're ready to go. Appointments throughout the day. So yesterday with our fertility appointments and whatnot, I didn't film much throughout the day like I was just telling you, but I did film a few clips while we were there explaining sort of where we're at on that journey. I'll just insert them here if you guys are curious and then we'll continue on with today's video here. Just hooked up to our load. So I'll see you in just a minute. Heartland Fertility Clinic is up there. It's another fertility day. Crossing our fingers again. This is our last attempt at IUI. The next step will be IVF. You can always go to Google if you want to better understand what those procedures are. IVF is a lot more of a, it's a lot bigger of a procedure. All right. These IUI appointments are about $625 for each one. The IVF is $15,000. It's not cheap. So we are on a journey to become parents and start a family. We've been having a little difficulty along the way and the doctors can't quite figure it out, but we're gonna keep trying. I'm gonna keep trying until that day when we're holding a nice healthy baby in our arms. So appointments all day today. I did my appointment this morning, Britt's got her appointment this afternoon and then I've got another appointment later on today as well. We'll be in the city all day. No truck in today. We'll get back to the truck tomorrow. We've got important things to take care of today. There she is, the woman of the hour. In a lot of pain today. She's on new prescriptions for this round of IUI. I told him this is our final shot at IUI. I'm gonna get one shot. One shot. It's real slim shady. Set it. And then after this, we move on to IVF and that'll probably be in a year or so. Automula. So we're in the city all day for appointments today and hopefully this month is the month. Yeah, I got diagnosed with something called adenomyosis. So it explains all the pain that I'm in all the time. It's similar to endometriosis, not quite as severe. Can't be corrected with surgery aside from hysterectomy. So I just got a grin and bear it. But that explains a lot of the pain, a lot of the fatigue and some of the infertility anyway. Yeah, we've got some answers anyways. I was gonna let you explain that if you felt comfortable. So what's it called again? Adenomyosis. Adenomyosis. Similar to endometriosis. It's just like the opposite thing of endometriosis. I'll let Google answer that for you guys if you're more interested in figuring out what that is. Yeah, I won't explain it for you trucker men because you won't care and you'll be grossed out. But for those who like medical stuff, like me, I'm a medical buff, then. Here you go. It causes a lot of pain in you, right? A lot of pain. So she's in a lot of pain all the time. And there's risk of low iron and anemia with this. I just gotta be careful. Other than that, it doesn't really affect your life except for a little bit of fertility. And so, just a little bit. That's not a big thing with fertility though, right? No, you can still get pregnant. It's just that your risk of miscarriage increases a lot. So even well into the second trimester, closer to the third. So I just gotta, if I hopefully ever get pregnant, I just gotta treat myself like a delicate flower. No lifting anything. Nothing. No doing anything stressful. No stress, no tickling me. Okay, I can do that. I can do that. No horror movies, nothing that can startle me. Just gotta be very delicate. You gotta be very careful when you get pregnant. I'm gonna live like a snowflake. So that's where we're at. That's what happened yesterday. There was a whole day worth of appointments. Well, there's three appointments that took the whole day. And after that, we sort of just went home and relaxed, Britt put her feet up. And that's the way it should stay now. She's gotta relax and stay stress-free. And hopefully it takes, we'll cross our fingers. And if it doesn't, like we said, we'll be moving on to the next stage and that will be in a while. So who knows, it could happen naturally between now and then if it doesn't take this month, we'll never lose hope. But today anyway, I just hooked up to a new load behind me here. And it's kind of a special one. Wanna know why? I just hooked on having to put the airlines on yet. And look at this. They tie it down for us here. Now, isn't that a nice little treat? So all I gotta do is walk around here and make sure that it's secured properly and to my standards, which it always is, they always do a great job here. Look how many straps they used. Absolutely every little layer and every little thing is tied down. All I gotta do pretty much is hook on, roll up the gear, hook up the hoses and boogie on down the road. I don't know how long it would take if I had to strap this myself. Look at that. This would have taken an hour, depending on how things went, maybe more. Look at this thing here. They got like these steel fling of my jiggers in here all trained out and in. Box is right on the back, everything. So it makes my day very easy. So let's roll up the gear and get moving. We're gonna go down the trailer here, make sure every single strap and chain is tight. And if it's not like this, this is too loose for me. Give it an extra click, maybe two. Feel it again. Okay, yeah, much better. All the way down here, all these straps. And then when we're done, what happens is they give us this red toolbox.  And then it makes it back here and they tie down another load for us. That's the process that they, not everybody does that. Almost, actually nobody else does that. I've actually never heard of anybody else doing that. But I really like it that they do. I like their system that they got here. Saves me a lot of time and energy. Okay, let's pull this back to the yard. This load is going to North Carolina. More specifically, it's going to Fairmont, North Carolina. Highway driver waiting for it. When do they want it there? It's my favorite, they don't give me a delivery date, but it's Friday today, Friday the 16th today. I'm assuming Fairmont, they're probably going to want it there next Thursday, maybe Wednesday, Wednesday the 13th. I don't know, I don't know that part of it. All I know is that day it's going that way. And I'm just taking it back to our yard. Let's make sure it's not going to fall off on us here. I will take you to who is going to take you to North Carolina, does that make sense? I will take you to who's going to take you. Close the tension to it while it's behind me. Make sure nothing shifts. Make sure everything stays in place as it should. And just like that, it's empty. Nah, I'm just kidding. This is a total different trailer. Brought the other one back to the yard, parked it on the other side of those trailers over there. Hooked up to this empty step back. Check the air here, because it doesn't look like these bags are inflated yet. I'll give them a little bit. Okay, so they are inflating. Okay, just got to give them a minute. I always got to make sure that you got air in the trailer where I picked up from. That shipper always drops the air in the bags of every trailer before they drop it. And the guy there, the stunt driver came by and he just made sure that I was putting air in the trailer because he was telling me stories about drivers who show up there and just hook on and go without checking the airbags. And he said one of their other drivers caught another driver. There was an outside carrier, I don't know who it was, but caught one of them. It wasn't us. In Saskatoon, nine hours down the road. And the guy was asking, like, why is my trailer riding so rough? Why is it so bumpy? And he said, well, did you put air into the trailer bags? And the guy was like a deer in headlights. Huh? He had no idea. No one had ever told them to check the trailer bags. He just thought they all automatically filled up. So that's why I tell you guys often, make sure there's air in the trailer. That could cause some real, real damage. And believe me, when you bring the trailer in for repairs, the shop is really not gonna be happy with you if you drag a trailer nine hours without any air in the suspension. That's riding with literally no suspension for 900 kilometers, almost like 600 miles, almost 500 miles. I don't know what happened there. That's where his story ended. We had a good chuckle and shook our heads over it. Man. I was always told over and over again when I was being trained, make sure there's air in the suspension. Make sure there's air in the suspension. And even just moving a trailer in the yard, you can tell if there's air as soon as you move forward just a little bit. You can tell if there's air in the trailer or not, just by the way it moves. But I guess, you know, that comes with experience too. So, that is just a really tough experience to take and to learn. I can guarantee you, there was some really unhappy people he had to deal with after that. But that's a really extreme circumstance and that wasn't us. That wasn't any of our drivers. Believe me, our drivers, I don't faith that that wouldn't happen though. I mean, accidents happen. You don't wanna say everything's gonna go perfect all the time. Accidents happen. Unfortunate circumstances arise, but, dude, nine hours. That's past the limit of like, oops, it was an accident. That was, I'm glad that wasn't us.  They just told me, go find a step deck, pick your favorite one. That was the first one I found. How about that? It's got tires, air in the bags, and those two van trailers there. I wish I would have filmed back into that spot because it was smooth. Got it in there, first shot without pulling forward, without even stopping, it was just one fluid motion. Yard Bill saw me, he'd back me up on that. That was one of my better moments. Getting loaded. They didn't tell me it was gonna be a wide load, but a good thing I always carry my equipment that I need for it. Looks to be probably what, 10 feet wide. It's my guess. I'll have to measure that out, you need to check the paperwork. They're just going down the road pretty much into Winnipeg. Probably about a 15 minute drive. So we're gonna tag it and fly it, tie it down, button it up. Just to go around the corner pretty much. This still take me the shortest trip I've ever had. Cars just flying through a construction zone. While we're unloading on the other side of my truck there, do you see that?   They're always in a hurry to get somewhere. Nicely eliminating all of this evil, evil white stuff. Any other time of the year, like in winter time, it's not evil, it's just, then it's just snow. But after my birthday, after April 1st, I don't wanna see any of that anymore. So that's it for the week. They got nothing more for us to do today.  I think I'm gonna pull out the pressure washer tonight since the sun is out again. My pickup is taking up beating this week. She's dirty again, that's unacceptable, unacceptable.


When we talk about believing in Jesus, who is Jesus? Is he just a spiritual guru? Is he just something like Mahatma Gandhi or Lao Tzu or Buddha? Is he just kind of in that class of wise folks who have life philosophies that we should follow? What does the church believe and teach about who he is? Jesus in the New Testament had a confrontation recorded in the Gospels with the Jews. It's funny because many people read the New Testament and say, Jesus never claims to be God. It's funny because in a confrontation with the Jewish leaders, of course Jesus is a Jew. But with the Jewish leaders, he said to them, Before Abraham was, I am. So they of course tore their clothes and cried, Why would they say that in saying that he committed the worst kind of sin against God? Because he said, he was saying that before your father Abraham existed, I existed. So it means that he's claiming to be eternal. And then this trail is kind of difficult. And then he says, of course, before Abraham was, I am. Which is he's claiming for himself the name of God as it was revealed in the book of Exodus when God met Moses in the burning bush. And he said, I am that I am. And so they understood that he was claiming to be God without any question. In fact, there's no more powerful way of claiming to be God than what he did in that moment. So when we say we believe in Jesus, we're saying we believe that Jesus is who he said he was. You know, C.S. Lewis has this powerful passage or reflection in his book, where he says that, you know, you can't have Jesus as just a great guru. He said he's either Lord, liar or lunatic. He's a lunatic if he believes he's God and he's not.  Or he is who he claimed to be. So when we say I believe in Jesus, the beginning of our yes to that reality is that we're saying you are God. I'm not. I can't save myself. I need you. I recognize you died for my sins. I recognize the teachings of the church are true. The church that you established, the only church that Jesus established. We're saying to him, I believe all of those teachings and I will follow you. I will as an answer to your call to take up my cross. I will take up my cross and follow you. I will repent. I will abandon myself to the kingdom of God. So this my friends is what it means to say I believe in Jesus. It's what it means to be Catholic. It's what it means to be saved. It's what it means to have peace and joy and hope of eternal life. It's what it means to have a relationship with God himself. It's what it means to, you know, Jesus said in John chapter 10 verse 10. He said, the thief comes to steal, kill and destroy. But I came that you might have life and life in abundance. I believe in Jesus saying yes to God, giving your life to God. It means living a life of true abundance, of true abandonment to God, of true freedom, of true joy for all of eternity. This is Dan Burke for SpiritualDirection.com.


I'm a Hyman wartime, I'm a clinical microbiologist, so I'm a medical doctor trained in clinical microbiology and I was trained in the Netherlands and then I moved to Vietnam in 2006 for Okruhanoi and sort of developed a unit over there. And our main focus is drug resistant infections but the whole wild variety of other diseases that we're also studying. And so we started in 2006, we were really focusing on severe influenza infections, but we mainly saw that we saw a lot of drug resistant infections really caused by bacteria. So these people are failing sort of antibiotics we would consider that should work and then we sort of refocused the things that we're doing and actually really focusing on what is actually causing drug resistant infections and what can we do about them. What we also saw mainly is that people come into the hospital for a reason maybe unrelated to the infection and then they get, because of mechanical ventilation, they get pneumonia because of the mechanical ventilation so the sort of the local immune system is damaged and then they can actually hospital acquired infection which is drug resistant and these people are failing sort of standard therapies. If you look more in the community level, the problem there is that there's actually very little diagnostics being done but we do have a feeling that we see people coming in into the hospital with drug resistant infections acquired in the community. We diagnose them with resistant bugs who you think it's really high but probably in the community it's a bit less of a problem but still it's there and we only see in hospital the sort of the cases that failed so we really do not know clearly the burden of drug resistant infections in the community. Even in the Netherlands where which is one of the lowest rates of resistance and the lowest rates of antibiotic use also there and also in the UK, you actually see also problems coming from outside. People actually traveling, coming back with resistant bugs and actually you've seen cases of that so it's really actually happening. This is not like something that may happen in the future, it's really happening now and so I don't think you can just only focus on your own country. You really should be able actually to go there where it really sort of has the highest burden and actually also try to do something there because it's one way or the other, it's also gonna come to Europe so that's why we're actually studying drug resistance in Asia and I think it's an important place to actually do something and not just on the individual patient but also on the policies and really make a change and there will not be a change just for Vietnam but there will also be a change for global health. The nice thing about Hanoi is it's really close to the Ministry of Health so anything that you find is actually also have impact on policies so rather than focusing also just on an individual patient or doing clinical trials we also felt like I could actually engage the policy makers and really make a change on a sort of a larger scale. The main change in our research in the last five to 10 years so that we moved also from hospital-based research also into the communities so we are doing clinical trials and looking at how rapid diagnosis can help actually bring down antibiotic use in the community. As you can see in the communities you go in for an upper respiratory tract infection which doesn't require an antibiotic by looking at a biomarker, a rapid test rather than looking for a specific pathogen result within three to five minutes and we found that this was really helpful in actually bringing down antibiotic use by 20%. 20% reduction is probably an underestimate because many centers, these were primary healthcare centers were actually not always compliant because they had a stock of antibiotics that they still need to get rid of so you have to, which is very interesting because it shows you also have to take into account sort of procurement procedures for these clinics and actually also look in those kinds of things. You should fund the research as drug resistance is a global health issue it's now called also by the United Nations as a global crisis you can't just focus on your own country should really take a global approach with the knowledge and expertise that we have and really work with the local people and strengthen their capacities and make them feel responsible and engage them and actually make them take the lead and let them really do the things that they should do. So in Okru Hanoi, so we were really closely with the National Institute of Health and Epidemiology, which is the Public Health Authority so what we do is really focus on public health issues so how our work from laboratory to what's happening with the patient or the communities is for instance we had a measles outbreak even though the government says there's very good coverage for measles actually we saw through our prevalence data that people were not protected enough and explained the outbreak showing that the work that we can do in the lab can actually help and make a change for public health for instance.


In this module, we shall look at risk management in Musharka as an Islamic mode of finance. The risk management in the context of Mudarbha and Musharka could be quite similar. In our previous module, we deliberately made the contents general because we were going to discuss some of the risks associated with Mudarbha and Musharka in this module. As the list suggests, in case of Musharka and Mudarbha, the risks are quite similar in terms of a list, market risk, operational risk, liquidity risk, credit risk and ownership-related risk. Let us take an example of diminishing Musharka-based home finance to highlight these risks and their management. Interest in Musharka, let us, we are taking the example of diminishing Musharka-based home financing i.e. about a property. If the property market crashes, for whatever be the reason, the customer of the bank could be a property market investor. The property in question could be a buy-to-let property, if I am referring to one property, it could be quite a few properties in the portfolio with this kind of consideration. Now, because the market price has come down, there is a property market crash and the home financing, Islamic home financing based on diminishing Musharka was at a stage that the customer found it convenient and in its advantage to default. In that case, property would go into ownership or properties in this context, they would go into ownership, receivership, which means they would be auctioned. That is a possible loss and this is an example of market risk in Musharka, operational risk in Musharka or diminishing Musharka. The bank personnel responsible for the portfolio fails to check insurance the couple cover on the property. And it is quite possible by the way, I know some personal examples where this thing has happened. The personnel in the bank never highlighted it and there was no insurance slash the couple cover on the property for quite a few months. Now if we take this example, hypothetical one, the couple cover expired in August last month and the property actually gets fire in September. If there is no valid cover, possible loss, that is an example of an operational risk in Musharka. Now all these risks, they are interrelated. If there is a change in one risk, that would have implication for the other risks as well. For example, if there is an increase in market risk, it will have implications for credit risk. It may have an impact on provisions. In case there is a loss, in case we have to spend money on certain things, in case there are defaults, in case there is increase in credit risk, provisions come from the profits of the bank. So, they are undistributed profits. So this would have implications for provisions and of course, this might have implications for the liquidity requirements for the bank. Let us see with this grid. So, there is liquidity risk, there is credit risk, there is market risk, there is ownership related risk, there is operational risk. In banks or wherever there are big business, risk is a number and it is managed. Usually, risk management means that this number should be in this band, then we are fine. If it goes beyond that one, then we are in trouble. For every risk, there is a dollar value. Imagine the transaction value of this Musharka based product is 500,000, 500,000. Contracted income from this transaction is 100,000. Bank is expecting or bank has a contracted 20% return on this transaction. Now, how did the bank put this in risk? The bank says that market risk is normal. When there are normal conditions, they say that market risk is 500 rupees. In this transaction, 500 rupees is a risk for the market. It is not kept separately, it is in accounts. Risk department, people, they have all these calculations. Credit risk is 1000 rupees. Liquidity risk is 8000 rupees. Operational risk is 100 rupees. Ownership related risk is 200 rupees. Provisions are 500 rupees. In normal circumstances, this is the case. Now, market risk changes. The market, which was normal, actually the market risk becomes high. Then market risk allocation would be 1500. It has gone up. Credit risk would go up as well. There are possibilities of default as well. If property market crash, defaults will also start. That would have implications for credit risk. So, instead of a smaller amount, a higher amount is required. Now, provisions have gone up to 2000. Liquidity risk, 10,000. Ownership risk from 200 or 300 to 500. And we have operational risk. So, all these risks are actually interrelated. Those prudent risk managers, they would look at all these risks on one screen. And would like to see what is the implication of change in this risk over the whole risk grid. Now, at the end, I would like to ask you and myself this question. Do Islamic banks manage these banks uniquely? I would say that in most cases, no. Risk is a secular phenomenon. There is no faith in risk. So, you manage this according to the market. This is why even in Islamic banks, we find that the heads of risk, they are least interested in Islamic banks. They take this very brutal view. I have met so many heads of risk. They say, we don't know what is Islamic banking. We are looking into the risk of this bank. Whether this is Islamic or conventional, my job is to make sure that the risk is managed. So, I don't listen to the head of Sharia or head of retail. I take my own view. So, the risk is managed in Islamic banks almost the same way as in conventional banks. However, where Islamic banking differs, and we are referring to this Musharaka thing, it's basically the origin of this risk could be different. In case of Musharaka, this credit risk may arise from something which is uniquely Islamic. In case of Murabah, this credit risk could be very different from what the conventional banks are facing. However, when this credit risk is this number, whenever this credit risk or operational risk is this number, the risk manager would be managing that number. And that is what you should know if you want to go into Islamic banking to have a career.


Hello everybody, E here. Welcome back to another book review. Today we are talking about Alan Baxter's The Rue. Before we get started, I'm going to tell you the story of how this book came to be because I love stories like this, especially when Twitter comes together and creates something awesome. I'm going to read the very first part of the forward. There's no spoilers here, but a forward or a killer kangaroo story? Are you serious, Baxter? That's what it says. That's not me saying that. It says, a killer kangaroo story? Are you serious, Baxter? This all started with a ridiculous situation on Twitter. There was a news article going around with the headline, Australian Town Terrorized by Muscular Kangaroo Attacking People and Eating Gardens. That was shared. And Katelyn Patrick Burke, who did the cover. That cover is amazing. But he did the cover. He did a mock-up, a joke cover and posted it into that thread. And Alan Baxter saw it and him being Australian. Everybody cajoled him into writing the book and he took it on. And then Katelyn, he asked Katelyn if he could use the cover. Katelyn, I don't know, not fixed the cover, but he gave more detail. He just really polished it. And then he allowed Alan to use it. I love books that come about because of things like this.  Another thing that I enjoyed was if you are a part of the horror community on Twitter, the horror book community, you're going to recognize numerous names in here. Stephen Gomsy, Sadie Hartman, Mindy Snyder, the list goes Tracy Robinson, the list goes on and on and on. I think every single main character is based off someone in the horror book community. So it was very interesting to see now they're not the people that they're named after the characters that are named after them are nothing like these people. Some of them are utterly vile. Some of them are just terrible people. But and some of them share the same look like Jim McLeod from Ginger Nuts of Horror is a big burly ginger with the big ginger beard and Shane Keen looks like himself, Shane Douglas Keen. He is a book reviewer for shot, I think he is the sole book reviewer for shotgun logic. All these people, I know it was fun to watch them, you know, get torn apart by this giant kangaroo. Somebody's lairities is probably going to quote me. It was fun to watch my friends get torn apart. Anyways, but it was fun seeing how Baxter, you know, got through got through the cast and, you know, tearing ripping shredding all the kinds of stuff. There is one death in here. The death of Brennan LaFero, who is a who is a horror author himself. That is the funniest death scene I have read all year. Talk to the hands mate. Anyway, but it was I don't I don't want to spoil it for you. Go in blind with this one. It did have very heavy pumpkin head of the movie pumpkin head vibes. Also, if if you're a fan of not exploitation cinema, but like creature features that don't that's that aren't too deep. They're just a lot of fun. What it reminded me of the most was I think it's the bore that was on shutter about the the semi sized the semi truck sized bore that terrorizes this small outback community.  The kangaroo is it is a bit menacing, but mostly it's hilarious because you're just the many different ways that Alan was able to to just destroy people in this with this with this demonic kangaroo. It's over seven feet tall. It's it's got these huge talents. In fact, he tells you in the forward if you don't know what a kangaroo's feet look like. Definitely check it out. I went and looked it up and I don't ever want to meet a kangaroo. I especially don't want to meet one after this. I know kangaroos box and you know that they've beaten people up all the time. But this this story is just a whole lot of fun. If you're looking for something to break the monotony of the serious literature where but it's still it's still well well written and you know just if you're looking for something fun, this is definitely where you need to go. So I'm giving it a full five stars because some books you read for education and literature purposes and you know you you want a deep emotional experience and some books you just read because they're batshit crazy and just just brings you utter joy to read and this book was an utter joy for me to read. But have you read I won't set the outback if you have you read The Roo by Alan Baxter. If you have let me know down there in the doobly-doo whether or not you loved it you hated it felt mad about it. But if you thought any of those things please let me know in detail why so that we can have a discussion. But until next time I have an E, you have an U. This has been another book review. I'll talk to you guys later. Bye bye.