We live in a society where people sometimes choose between going to the movies or picking up a good book to read Oftentimes a movie is based on a book or a graphic novel or a play or a comic book series Or an animated TV series or just something else. That's not original to the film What if I told you and please bear with me on this for a second as I guide you on this journey that you could go to a Film watch it understand it leave pleasant and not have to have had any knowledge that it existed in other formats such as books Television shows etc. You get what I'm saying. That would be amazing, wouldn't it? Well, it turns out that happens a lot and The times it's done, right? You didn't even know other material existed and the times that it's done wrong You point out how it doesn't make sense and then people go online criticize your complaints and say read the book I'm getting fed up and I know I've talked about this on previous rants But this is a specific one now to just this initial complaint I get this time and time again from idiots on YouTube and it makes no sense There was a time not that long ago. I know I know I'm getting up there in age I'm getting older we all we all do we all age every single day as a matter of fact every single second of every day As a matter of fact there was a time When it was like not cool to read it was like edgy to just watch movies and TV and and reading was for dweebs and nerds I read I listen to audiobooks.   That's why they made the movie I watched eight out of the nine Harry Potter films before I read the books the last one I couldn't wait for the film so I burned through the audiobooks and loved it loved every minute of it And you know what I understood those movies completely. I didn't miss a single thing as far as the story beats Yeah, sure. There was some parts in the later films. I was like What who's Peter pedigree?  What's going on? But after rewatching a couple times it started to piece it together these movies just go really fast There's a lot of information some of the movies are just embarrassing compared to the books And they should have been made how they were to begin with like Percy Jackson I mean I understand there's there's people that enjoyed those movies that the two that they made but come on Books are so much better. And so had I read the books before seeing those movies I would have been just pissed instead. I was just mildly annoyed at how bad they were So it's kind of a damned if you do damned if you don't the same could be said for the girl with the dragon tattoo I went into that movie with you know, David Fincher being one of my favorite directors thinking this is gonna be amazing I love the book and then I saw the movie. I'm like, oh, I mean, I know I know the mystery So there's not like there's a ton of action, you know, I'm just waiting for them to figure out what I already know Yeah, you kind of miss a lot of that Excitement although to be fair Scar Scar's guards typically a villain and they put him in like a black turtleneck in a mansion And it was super eerie so it's pretty obvious he was the bad guy from the onset even if you hadn't read the book But whatever a screenplays job is to take the pertinent important information from the book and Translate it to something that audiences can understand. This is where video game movies typically really drop the ball They put in so many Easter eggs from their gaming references that it's lost on a majority of the audience There's just so many tips of the hat or you know iconic moments in the movie They're so out of place and dumb typically that only like the hardcore gamers would be like, oh, yeah I love that part.  Why does she need to why is that cool? But anybody that's played like the og Laura Croft Tomb Raider for like PlayStation 1 and Sega Saturn would be like. Oh, yeah, the double guns. Yeah, I wish she had her polygon pointy tits That would have really sold to me It's even more magnified for people like me too that are huge movie buffs And we see at least a couple a week whether it's a new movie in theaters or just an older one We missed or just a rewatch of a classic. I wouldn't even have time to get all the literature read You know before all these movies come out and we're not even talking about just books or video games If it's a period piece should I have a vast understanding of the signing of the Declaration of Independence? Before I watch Nicholas Cage try to steal it Do I need to know the ins and outs of Pearl Harbor before I watch one of the multitude of films that have come out on that?  I've I've seen like two or three episodes. I thought they were fine I'm sure they get way better. I believe me. I'm sure they do I just haven't had time to watch them they somehow Interject the goodness of that with the prequel films themselves or take what they did to Anakin in that series Which I guess is a lot more fleshed out and they they make him kind of a likeable cool Character that becomes a villain instead of the whiny little bitch that turns into Darth Vader And I'm supposed to be impressed by that They they put those two together in the same bucket, but that's not how people watch movies the movies have to do the job First they have to get you there and if they don't they ultimately fail I also have examples of people who read the books but refuse to watch the movie in the fear that the movies will be Inferior to the books in fear inferior not a great sentence doesn't roll very well, but you know So what are you supposed to say to those guys? You know you basically have limited yourself to one media over the other to begin with should I go to them and be like watch the movie You know you can't tell me about the book if you haven't seen the movie You don't even know what you're talking about in the movie this happened not this and since this is the newer thing This is the right thing. Yours is discredited now. You haven't seen the last Harry Potter movie They don't they don't battle in the inside the building they battle in the courtyard. There isn't people all around It's just Harry and Voldemort. It's very intimate. It's very one-on-one. That's how it should have been the whole time the director fixed it I don't actually believe that I think the book version is better there. There wasn't enough heart at that last film I love it to death, but there wasn't enough heart I hope you get what I'm putting down and maybe you've witnessed this yourself or even had conversations with people that have argued with you Although usually these happen online because people are too cowardly to say what they feel in public or they for some reason feel Like they have to be bigger dicks when it comes to being you know in a comment on YouTube I don't I don't really get it. There's something empowering about tearing other people down because their opinions different than yours So you have to find ways to discredit them so often I will flub a word or I'll mispronounce something and that'll be the one thing they pinpoint out of an 8 to 12 minute video And they'll say boom Accredited. Oh you admitted it. You admitted it. You didn't read the book. What a fool you are I think I could go in and just pretend I read it or not say anything at all, but I'd like to give full Transparency, but that just really lets the clowns run amok I haven't ranted about nonsense in a while So I thought this would be a fun thing to bring up as it never seems to go away It doesn't actually bother me anymore outside of a just eye roll and oh Here we go again. Mama Mia. Here we go again. That's it That's all I wanted to say if you're part of the read-a-book club You can just shut the hell up put the book down Get off my channel Go do something better with your time like watch a movie Thanks for watching the video if you haven't make sure to subscribe there's videos weekly I do a couple of week as a matter of fact You can like the video if you had a good time and to show a little bit of support And you could join me on patreon at patreon.com slash Adam does movies for even more bonus episodes Of shows if you need more than that I have plenty to give I'm on twitch at twitch.com slash Adam Olinger Where I'm playing games badly. I have a second channel called Adam Olinger plus every Friday You can find me on screen rant where I do a show called real rivalries Pitting two movies head to head a lot of options for you do with that information what you will


to finding your piece of the rock on Think Tech Kauai. I'm your host, Abley. I have been a licensed real estate agent since 1973. I'm the owner of Century 21 iPropery, Kauai, and work with close to 100 wonderful real estate agents in real estate sales. I started Abley seminars in 1980. I have taught over 10,000 students to get their real estate licenses and have taught continuing education classes for licensees to renew their license every two years. Our show is dedicated to helping buyers and sellers understand the process involved in a real estate transaction. Our special guests will talk about legal issues, escrow, title, getting a loan, surveys, home inspection, insurance, contracts, wills and trusts, and much, much more. And today we have a very special guest, a veteran of the real estate mortgage industry, Lisa Taormoto, who is a vice president of residential mortgage department at finance factors. Lisa, thank you so much for taking time out of your business schedule to be with us today. Oh, no, thank you for giving me this opportunity. You really appreciate it. Thank you. I've known Lisa for a few years now, since we both work in a volunteer at Hawaii Home Ownership Center, which we'll talk about in a few minutes. But Lisa, to let the viewers know a little bit about your background, can you tell us where you grew up, your education, your family, and your work history? So I was born in Hawaii, Queens Hospital, relocated to the mainland, though, as a baby. So I was several months old, actually, when we, me and my family relocated to the mainland, then moved back to Hawaii when I was a teenager. Been here ever since. I don't think I'll ever leave. I can't imagine living anywhere else in the world. You know, I started working in my teens and I really haven't stopped since. Started as your typical teenager, working fast food, 7-Eleven, that type of job. But then I started my career, my loan career, I'd say, at International Savings. Some of you may remember International Savings. Many years ago, I started there. We eventually merged with Citibank and then merged with Central Pacific Bank. At International Savings, I started as a clerk and went through several positions in the company, which was really good for me because it gave me the opportunity to learn all the different facets of banking. Wow. So you've had quite a history, especially with Central Pacific Bank and Citibank, trying to merge or have a, we won't say a hostile takeover, but... But it was at that time. It was in the news that way. Yep, okay. So now what made you get into the mortgage business from being a teller? So I really wasn't ever a teller-teller, but I was in branch operations. I worked for the branch operations manager. I did go through several different areas of the bank, but at the time I was in branch operations. And Iris Tugucci, who was running the loan department, some of you may have heard of her, she was in the loan business for many, many years and recently retired. She was running the loan department and she was the one who encouraged me to move to loans. She was just like, you just need to be in lending. I did, I went and I haven't stopped since. One thing that keeps me in lending though is it's always changing. So it's never stagnant. In our world, we always say that the only constant in lending is change. It's always evolving, you're always learning and having to learn new things. Products, regulations, it's just never ending. So you've been through a few recessions then? A couple, a couple of them I'd say I've been in the business long enough to have been through that as well as refinance boons. I've been through a couple of those as well. Sure, so thank you so much. So what's your responsibility at finance factors? At finance factors, I actually oversee the residential lending department both in operations and sales. So yeah, I oversee everything in residential lending. So is there a commercial division as well? There is a commercial division right now. Kay Keeto runs our commercial division. We have several great individuals in there and that's the other part of our lending business. Okay, so what's the background to finance factors? Because I know historically, they're with the Chinese community first. And then they were evolved. Right, that's a great word for it. And there's a thing that we say that it all started with pots and pans. So over 70 years ago, it was actually 1952, there were six individuals, very progressive, that wanted to start a company really to help the working class minorities. Thanks at that time, we're not very interested in providing financing for small household items, purchases, refrigerator stoves and yes, even pots and pans. At that time, it was even hard to get financing for a car. So it was several men of Chinese descent, the Lao, Cheng, Chen, Feng, Yi, Choi and Peng that really started finance factors to do that, to help those minority families to purchase things, you know. And here we are today, we're still helping the community with financing, but primarily in residential and commercial lending. I know in my history of being in real estate, that finance factors was a developer and did Makakilo. Makakilo, right. Did the whole mountainside. Yeah. Well, you have a good memory. I'm old. But then I also know that you had Watsworth Yi and Hiram Fong senior and some really notable people in the community that really want to help the Chinese community. And then of course you've merged and diverged quite a bit now. So that's great. For sure. Okay. A lot of the descendants are still involved in the company today. So it's really great. Right, right. So now, what do you do in the home buying process? When someone comes to you, you've had so much experience now. Let's say I'm a brand new, you know, newbie. I just got married, got out of college and have a job. Yeah. And I want to buy a house. So what do you advise or what do you do? What's the process you go through? You know, it's really important that there's several people involved in it, right, not only the home buyer and us. It's also the realtors, right? And it's really collaboration with all of us, you know, that we meet, we talk, we find out what you qualify for. Not only by numbers of what you qualify for, but as a homeowner, what are you comfortable with, right? What kind of home are you looking for? The realtors are so important in that, right, that you share the information and you let them know what they qualify for. So they're showing them the right type of home to look for. So to me, it always starts there. It starts with talking to the people that are going to help you through the process. So when I meet with you, and let's say again, we're role playing here, I'm brand new. I have no idea what the heck I'm supposed to do. What are you going to ask from me? You know, documentation is really, really important. You know, it gives us a good handle on your actual finances so that we can qualify you properly. You know, and we often refer to it as a two, two, two, two, because we, you know, we get two years of tax returns with supporting documentation, two months of bank statements, two pay stubs. Then we have a better, you know, feel and look to see what you can qualify for.  You know, because it's, that's all paper, but you know, things come out throughout the process of a loan. And if we know about them upfront, we can help the buyers through it, you know, and determine what we need and what we should be doing to help them to overcome certain situations, right? So, you know, is there some credit issues that I need to know about that happened recently or maybe in the past, you know? We look at a fairly long credit history. So if something happened in the past, it's going to come up and, you know, it's always best that you share with your loan officer what happened, like why did it happen? How did you overcome it? You know, sometimes there's tragic events in a person's life that can affect their credit. You know, lenders take that into consideration. You know, it's not only the credit issues, but has there been any changes to your job or your income? You know, very important for us. What about the money situation? What kind of down payment do you have? Where is it coming from? You know, is it liquid assets? Are you going to be borrowing from your 401k? You're going to be taking out your retirement funds. You're getting gift monies. You know, all of those things have a play in the qualification. So just share with me. Just tell me.  Oh yeah, well, sort of, sort of, yeah. OK, so now what's the difference between a FICO score and a credit report? So the credit report shows credit history.  A credit score is determined by all of that information. And you know, there's a company that looks at all of that and determines what your credit scores are. And actually there's three credit scores that are generally reported by three different repositories. OK, and they're important in determining your interest rate. If you have a high credit score, then it's a lower interest rate. If you have a low credit score, then it's a higher interest rate, is it? That's correct. That's correct. Yeah, credit scores are very important not only for qualification, but it does affect interest rates. OK, so what type of loan programs are there for first-time home buyers? Because they're saying, I'm priced out of the market. The interest rates are too high. What can you do with either finance factors programs or with government-assisted programs? You know, there are a lot of programs out there, not only Freddie Mac, anime-type programs, or FHA. You know, local lenders also have some first-time home buyer programs in place. You know, another thing that has become very popular in the news today is buy-downs. You hear three, two, one buy-downs or buy-down the interest rate, things like that. And there's a couple of ways that you can look at it. One is to have a lower interest rate for better monthly payments. You can pay more points. Points are really the cost of the rate. Or there are things such as a three, two, one buy-down where you actually, and that also can be a couple of different things. There's a lot of developers today who give credits. And a lot of times those credits are best used to buy-down the interest rate. You know, but there's also like a three, two, one buy-down where people will pay such an amount of money, but their starting rate is reduced by a 3, 2, 1 percentages. So over the next three years, your rate will be lower and then it will come up to the actual start rate of what you qualified for. Okay, so walk us through one. Say let's have $500,000 in our condo or a townhouse. Yeah. Three, two, one program. What kind of down payment do you need and how does a three, two, one work? So down payment is always a scary question for buyers. You know, and in today's world, really the minimum down payment for a normal type traditional financing program is 3%. So that's, you know, your Freddie Mac, Fannie Mae, FHA type programs at finance factors. Actually, we have a great multi-collateral program where some buyers don't even have to come in with any money at all. But what we do is we take additional collateral from a family member or even a close friend. So we use the property as collateral in addition to the property that they're buying. And we take both properties as collateral, but it doesn't require down payment in most instances for the first time home buyer.  The parents don't have to be on the note. So they're not responsible for repayment. You know, they do sign the mortgage because we're taking their property as collateral. So, you know, really great program where parents who want to gift their kids don't actually have to gift them money. So they can gift them collateral in their home. Wow. But if someone's wanting a three, two, one buy down, so let's say you're starting interest rate today at 7%. So in the first year, we would reduce that, the payment amount to a 4% interest rate and then a 5% interest rate and then a 6% interest rate and then ultimately end up in your starting rate. But what happens is there's like funds set aside and the difference between the two rates are paid from that account. So you still do have to have funds, but the payment is easier. So they have to put money aside to cover that difference. Yes, in most cases. But you know, that's where it helps. Like let's say you have a developer that is gonna pay for that. For the first time home buyer, it doesn't affect them at all and it just gives them a chance to catch up to payments. So let's take this hypothetical of a three, two, one. All right? So let's say within that time period, the interest rates go down. Can the buyer then refinance and take advantage of the lower interest rate? They could. They're not tied into, there's no prepayments or anything like that. So they're not tied into the mortgage. So yeah, if rates were to drop again, they could refinance. Because right now, the word I hear at different real estate meetings is that interest rates have to come down sometime. We don't know when. Right, that's the key. Yeah, but they're banking on coming down to maybe a five and a half or around there. At least that's the word I hear from time to time. So if someone were to start at seven and it went down to five and a half, then it would be wise for them to refinance then, wouldn't it? It most likely would at that point because that's a point and a half difference. But of course, you know, when we work with individuals for refinances, we do make sure that on a payment basis, it does make sense for them. Sure. Okay, so now I've heard this thing called the mortgage credit certificate. How does that work? Yeah, that is such a great program for first time home buyers. Mortgage credit certificate or MCC, as it's commonly referred to, it really reduces the amount of federal income tax for the homeowner. So I think it was created like in the early 80s maybe and it allows first time home buyers to take 20% of their mortgage interest as a direct dollar for dollar tax credit. And then the remaining 80% is a tax deduction. So it really does help the homeowners not only on a tax benefit side, but as a lender, we can use that tax savings for qualification. So it increases their purchase power. You know, so it's a really great program and it was really designed to help these low to moderate income families to obtain home ownership. So it's your income... But there are, there are, I was just gonna say there, there are some restrictions. There's some income restrictions, occupancy restrictions.  You can't have owned property in the last three years. So the best thing for buyers is to really speak to their lender about it, to make sure that they get all the questions answered and that we can make sure that they qualify for MCC. Great. And are there participating lenders that work on the MCC? There is. You have to be an approved lender to offer MCC. And there is a website that you can go to that will tell you who the approved lenders are. Okay. And I'm assuming that finance factors is an approved lender. Yes, we are. Okay. All right. I don't think we're on this year's brochure yet though. Okay. We just got approved this year, so. Great. Okay, now what's the other program that I heard about the 40,000 maximum down payment assistance program and how does that work? There's also a lot of down payment. You know, there's many different down payment assistance programs and you really just have to follow, make sure you qualify for them and then the source will actually, you know, give people money for down payment. So it's another great opportunity for people to become homeowners. So give me more details on that. I'm sure the consumer is saying, okay, how much can I borrow and what's the rules on what you pay back? You know, it depends on the program. There's some that are forgiven. So there is no repayment. You know, there are some that, there are repayments done at a later date, maybe when somebody's in a better financial position. But most programs I believe are, you know, trying to make it so that homeowners can purchase homes and, you know, if it can be one that's forgiven that's even better. That's amazing, isn't it? It's like a gift from somebody. Uncle Sam. Right. Yep. Right? Organizations, yes. Right. So there are other programs that are available besides the MCC and the down payment assistance program then. Well, there's several down payment assistance programs. All right. So how does a buyer prepare financially to qualify for a loan? I'm brand new. I just got a job. I don't even know how to balance my checking account. Oh, I meet with you with my wife. Okay, we just have a kid and we need a home. So what are you going to tell me now how to qualify to financially prepare to get a loan?   So, you know, in lending, generally people would have to be employed for a two year minimum in the same line of work.  Let's say you just graduated from college and now you got a job, you know, we get a copy of your diploma saying you just graduated. You just got a job that makes sense, right? But, you know, if you just started a job a month ago and you have no history of employment and you didn't graduate recently, you know, that might be a little difficult for you because there's no history to show that you can maintain that job. But, you know, for the qualification, really, we're going to ask to see your documentation, sit with you, talk with you, and determine what you qualify for and that is within your comfort level. Okay, great. All right. Now, you said that they had to be working at least two years, typically. General rhythm, yes. Okay. And then how important is that credit report again? What if they're behind on their payments? They were just goofing around when they were in college and didn't make all the payments on time? Now, does that come back to bite them? It can. It depends on how long ago it was and how severe it was. You know, you have a couple of late payments on your Macy's or Visa. It might not be as bad as if you had two mortgage late recently. You know, it makes a difference. Timing is a big thing. What type of credit that there's deal infancies on and how many deal infancies there are. Okay. Now, I know you've been very active in nonprofit organizations. And Hawaii Home Ownership Center is where we met because we're both serving in that company or a nonprofit. Right. Tell us what the mission of HHOC is and what your role is in HHOC.  I'm on the development committee and I've been there for several years now. Really, that's the fundraising committee. It's an organization that I'm very, very passionate about because you know, the center really is about getting more people to become homeowners. You know, they provide education, support individuals with workshops, classes. I've heard of people who have been members working with them for years.  You know, and in addition to that, on the other end of the spectrum, they provide foreclosure counseling even. You know, and they right now, they also offer realtor, I'm sorry, not realtor, but rental counseling. You know, Reina Miyamoto, the director there and her team are just awesome. Such a great group of people. So now they have some fundraisers that we've been participating in. Can you give us a highlight of some of the key fundraisers and how the viewers might be able to participate if they have some extra money? Extra money is always easy. You know, they also have a website and you can just go there and donate funds if you have extra available. There's a couple of events every year that you were just mentioning. There was just recently a golf tournament that was very successful in a week or so. We have a luncheon that is another great event. You know, the Hawaii home ownership people that have been helped by the center come and talk to the group and you learn about the center and what they do. So it's a great event. And another one coming up in November is called the Flavors of Neighbors event. Awesome, awesome event at a local establishment in downtown.  There's wine. Normally there's other types of liquor available like beer and some. Last year I think we had someone giving out bourbon. But you know, it's really about getting together and tasting all the food, having a few drinks and enjoying each other's company. And it's another great event for the benefit of the home ownership center. And for those that get drunk, they even have a drive home program. That's right, that's right. Okay, not that we want anybody to get drunk, but that could happen. That could happen. Yeah, so now we only have a few more minutes left, but what advice would you give to your children, to your nephews and nieces about why they should have a home and what they can do to prepare it to be a homeowner and to get along? So for my very young, my very young relative, like you said, nieces, nephews, that type of person who's not ready for home ownership yet, but they can start at an early age. And once they kind of are starting to think about it seriously, I kind of always tell them, we'll sit down, talk about again, what would you qualify for if you were making this much money or even at the amount of income that they have today, that they may not be quite ready yet, but they're getting there. I tell them, let's say you live at home and you're gonna be paying a $2,000 mortgage in a year or two. Start putting that money away. Open a different account. Pay yourself the mortgage amount because it's only a good thing for everybody because one, it helps them to become ready for that monthly payment and not be shocked by it, by coming from nothing to $2,000 a month or $3,000 a month. And then what happens is they build wealth at the same time. That money can be used for down payment. It can be used for appliances. It can be used for furniture. So they're already starting out on a positive note. Then when it becomes really serious, you really do have to get with the lender, get with the realtor, collaborate like we talked about and get qualified and find the right home for you. Great. Now, I believe we do have your email address that we were flashing. Lisa Tomromoto. And you can look her up at Lisa T. At financefactors.com, yeah. Great. And if you just Google her, you'll find her everywhere. Yeah, if anybody wants to get that information on MCC or the Hawaii Homeownership Center, please feel free to email me and I'll make sure I get that information to you. Lisa, thank you so much from your busy schedule with all the good you do with the community and Hawaii Homeownership Center. You've been a breath of fresh air when I've been to the meetings, trying to see if we can raise awareness and money for HHLC. So thank you for being here. Thank you, Abe. I mean, oh my gosh, what you do for the community is just amazing in all the years of experience that you have and share with people. It's just so awesome. So I thank you too. Thank you. If you have any questions about the real estate school and would like to have more information or even think about a career in real estate, you can go to AbeLeaseSeminars.com. Actually, we're starting a new class tomorrow night on the live webinar, but we also have independent study where the students can take it at their own pace and take the course with our video tapes. We're the only school with the video tape of both the live class, of course, that's a live webinar, and then we have a self-paced independent study. So we welcome you to join us. And if you have any questions, please feel free to email me or call me at any time. But thank you very much, folks, and have a wonderful day.


Hello everyone, my name is Nikola. I'm one of the co-founders of Skypool. Wind is one of the biggest energy reservoirs on Earth, yet most of its potential remains untapped by current technology. The reason being that those potentials are in the upper wind layers and hence unreachable by conventional wind turbines. So how do we get up there? So while the industry is racing for bigger and taller wind turbines, we chased our vision and developed Skypool. Skypool is a tethered autonomous drone that climbs to and captures the power of altitude winds. It takes off vertically and once at operating altitude, it turns into a kite mode, generates lift and hands traction on the tether that is unwinding a ground generator. Very quickly the main components. So we have an autonomous drone that acts as a kite and we have a ground generator that transforms kinetic energy into electricity. Both systems are connected by a tether. By reaching higher altitudes Skypool is able to produce twice as much energy at half the cost of conventional wind turbines. Furthermore, because it doesn't need a hundred meter tall tower and a thousand ton basement, it is much more versatile and deployable than conventional wind turbines. The founders team is composed of three seasoned professionals. Aldo and myself are engineers with many years of experience in aviation projects, aeronautical design and composite structure. Marcello has been working many years in this specific sector and is an airborne wind energy expert for the European Commission. Our board president has a long lasting tenure in academia for electrical power systems. Over the past few years, we invested a lot of resources into R&D that led to a working prototype, an international patent and the flight approval by the Swiss Authority. We are now in the proof-of-concept phase, validating the full concept. A few pictures of our test site in Switzerland and the full system in action. We are now heading into the next development phase that will lead to a commercially viable prototype, from which we will derive the first product. It's going to be a 100 kilowatt, fully mobile system for off-grade and mini-grade applications in remote and isolated areas. In parallel, we want to scale up and build a 17-meter, one-megawatt power system for off-grade applications in energy utilities, power generation companies and wind farm operators. Nothing normal has ever changed the world, right? Thank you very much for your attention. Awesome. And what a nice end in line with our theme at Slush. And now please, Jerry, your questions. This sounds very similar to an experiment done by Google X. I think I've actually seen in the reception area of Google X in Palo Alto, the sort of plane that they used for a similar experiment. So how are you different from what Google gave up? Google hasn't given up. It's still on. If I may just go to the competitor's slide, let's see if it can do that very quickly. This one. So Google X, actually Makani Power, they use an airborne generation system. So what they do is they have a flying device and send up the whole flying device with the generators in the air. So the main difference between them and us is the generation. Where is the generation taking place? So they have to transfer the energy, electricity through a thick cable to the ground. We instead are producing the energy on the ground. And we only have a thin cable for transforming or translating the kinetic energy of lift. How often do you need to bring it down for maintenance? And who does maintenance? All right. So it is a fully autonomous system, energy independent. So the onboard energy is actually maintained in the recovery phase. The kite is diving down. The propellers are used to regenerate the onboard system. So on that perspective, it is fully autonomous. Now, in case of heavy storms, potential intruders, defects, it will land autonomously. Second stuff. Your question regarding maintenance. So we're coming from the aviation industry. We are looking at having scheduled maintenance every X flight hours. We haven't said that yet because we haven't, let's say, the flight logs yet. Can you talk a little bit about your go-to-market strategy? Are you planning to sell this to retail? Yes, actually. Good. So we're actually positioning ourselves very upstream in the value chain. We do not intend to deliver a turnkey solution and deal with the overall plant design at the end user. But we want to partner with incumbent system integrators, provide them the technology, and have them deliver the whole package to the end users. The end users might be energy utilities, power generation companies, wind farm operators, or even if the system is small enough and mobile, natural disaster relief organizations that need power supply in remote areas independent of grid or diesel supply. Okay, so you had a slide about the go-to-market strategy. So how far are you from commercially available prototype? Two or three years, right? Yes, correct. Two years. What are the milestones you need to do now in order to achieve that? So we are now entering the second phase where we want to exactly develop a commercially viable six-meter wingspan prototype. We plan to have this done within the two next years. There are different phases in there. One of them is also tied to aviation certification steps, obviously. We have technological development. We have to increase complexity in the onboard systems. That's what we have to do. So we expect two years to market still. How does he work from a regulatory point? All right, the time is up. Thank you so much. Nicola from Skype. Thank you.


Hi everyone, today I will be presenting retroavortic left renal vein with advanced renal cell carcinoma a case report with literature review. Demographically, the reported incidence of retroavortic left renal vein has been from 0.5 to 3.6% is retroavortic left renal vein is usually asymptomatic. It may sometimes present with hematuria, flank pain and vascular dilatation that is very costly. The most common type of retroavortic left renal vein is the type 1 and the frequency of urological symptom is highest in case of type 2 retroavortic left renal vein. The problem here is surgical approach on those patients is a challenge for the surgeons. Failure to recognize this anomalies may lead to severe hemorrhage and severe renal damage. Retroavortic left renal vein can be categorized into 4 types. Type 1 retroavortic left renal vein joins the inferior vena keva in the orthotopic position as in diagram A. Type 2 retroavortic left renal vein joins the inferior vena keva at lower level of L4, L5 vertebra as in diagram B. Type 3 retroavortic left renal vein, the circumavortic or collar left renal vein as in diagram C. Type 4 retroavortic left renal vein joins the left common iliac vein as in diagram D. With objectives of to document a case of retroavortic left renal vein presenting with advanced renal cell carcinoma, to understand the embryo physiology of retroavortic left renal vein, acquiring insight into other renal veins variations, their clinical implications with relevant literature. In case history, a 65-year-old male presented with complaint of hematuria since two months, left flank fullness associated with weight loss, who was having past history of right renal aprectomy 25 years back for obstructed non-functioning kidney. What we found on examination was no tenderness, normal vitals, surprisingly serum creatinine was 0.9 mg per deciliter. On urine microscopy, abundant RBCs were found per high-power field. On abdominal ultrasonography revealed irredefined large heterogeneously hypoechoic lesion arising from interpolar region of left kidney and casing left pelvic liceal system along with liver metastasis in right lobe of liver. Subsequently, patient was subjected to multi-slice triple-phase CT abdomen on the ground of ultrasonography findings for better evaluation. On multi-slice triple-phase contrast-enhanced CT abdomen exhaled view, we can appreciate markedly dilated retroavortic left renal vein coursing posterior to the aorta. On societal view, markedly dilated as well as elongated retroavortic left renal vein coursing posterior to the aorta. Rinal markedly engosed torso was left renal venous tributaries consequent on congestion due to retroavortic left renal vein. Rinal pelvic stone, significant pelvic ureteric obliteration at preserved function as we can appreciate on axial view onto the left as well as coronal view onto the right. Significantly encased, probably invaded and obliterated left pelvic liceal system to a greater extent at preserved renal excretory function as we can see here. Multiple hepatic left adrenal as well as left upper pole of kidney hypervascular metastasis. Pulmonary parenchymal hypervascular metastasis on left side through thorough review of literature other renal veins variations we can see here is circumavortic left renal vein onto the left is ventral course onto the left is dorsal course. Another renal vein variation on societal view is left renal vein with duplicated retroavortic course. This is duplicated retroavortic course and this is circumavortic left renal vein. Another variation is left sided inferior vena keva and a retroavortic right renal vein. To be discussed here is compression of the left renal vein between the abdominal aorta and vertebrae is called the posterior nut wrecker phenomenon. Embryologically the posterior cardinal veins, the sub cardinal veins and the supra cardinal veins are in the order of appearance. During the development of the inferior vena keva there are anastomatic communications between the sub cardinal and supra cardinal channels that form a collar of veins and circling the aorta. The ventral portion of the circumavortic collar persists as the normal left renal vein. If the dorsal portion of this collar persists then the left renal vein is posted to the aorta forming a retroavortic left renal vein. Proposed mechanism for clinical consequences. Compression of the left renal vein leads to hematuria because of elevated left renal vein pressure and congestion of the left kidney. It is well known that the gonadal, ascending lumbar, adrenal, ureteral and capsular veins are potential collateral venous pathway in case of renal vein compression or obstruction. These anomalous communication channels are responsible for hematuria. In addition vascular dilatation can result from increased drainage to pressure which can in men suffer from left sided varicoseal and boomer from pelvic congestion syndrome. Since the only surviving kidney now presents with advanced renal cell carcinoma rendering nephrectomy and visceral. Patient is being provided palliative treatment with multi-disciplinary treatment. What caution we need to apply is at nephrectomy a midline leprotomy or full roof tooth incision is recommended and any attempt to mobilize the kidney before dealing with the renal pedicle should be avoided. To be concluded with posterior nutcracker phenomenon is uncommon cause of urological problems such as hematuria, varicoseal and ureter pelvic junction obstruction. Failing to take care of it can lead to catastrophic surgical complications. These are the references we referred to. Thank you everyone.


It's Thanksgiving! AHHHHH!   SCP-Spooky J continues to consume excessive amounts of stuffing where it exits SCP-Spooky J's body through its rib cage and is now coating the floor. WHY ARE YOU DOING THIS?!  I DO IT BECAUSE I LOVE YOU, DAD!


I don't know what it is, I listen to it every day and they get all pissed off. I love the beginning of it. Apparently Doug Schwab has an affinity with controlling the ox as well in his wrestling room. It's a power thing. I give these guys a little bit of leniency and then it gets out of hand, so we gotta bring it in. I was feeling J.O.'s play mix yesterday. Yeah. It's really not a poor public mix. Yeah, it's not a family mix. Not at all. A lot of Lil Wayne though. It didn't have a lot of balance. A lot of Lil Wayne. These guys are Travis Scott Radio, Lil Wayne, Chief Keefe. I just found out who that was the other day. You gotta get some Roddy Rich in there. Talk to him next team meeting. O'Connor's all about Chief Keefe when I came in the other day. Just blasted. I didn't know who it was. Isn't it amazing how you get educated with these young bucks? They were acting crazy because I didn't know who it was. You'd just be happy with some Hank Williams Jr. Oh, I would go country every day. Mark Brooks. And all of these guys would quit on you. Mark Brooks, Chris Ladoo. Never heard of him. That's more my style. But I give him a little bit. This big booty mix is actually good music. Oh, it's big booty mix. Oh, I thought it was just booty mix 17. Big booty mix. Big booty.


When it comes to John Hickenlooper, there's two things that everyone should know.   So during the Facebook whistleblower's testimony before the Senate Commerce Committee he inquired about Facebook's profits and you know at first this isn't necessarily too weird, but I'll show you his question followed by her answer Obviously Facebook can manipulate its algorithms to attract users And I guess my question would be do you feel in your humble opinion that you know simply maximizing profits No matter the societal impact that that is justified And I think the question then would be that that's the short question, which I think I know the answer What impact a Facebook's bottom line would it have if the algorithm was changed to promote safety and to instead of to change to to To save the lives of young women rather than putting them at risk Facebook today Has a prophet is Makes approximately 40 billion dollars a year in profit a lot of the changes that I'm talking about are are not going to make Facebook an unprofitable company. It just won't be a ludicrously profitable company like it is today Engagement-based ranking which causes those amplification problems that leads young women from you know innocuous topics like healthy recipes to anorexia content If it were removed face people would consume less content on Facebook But Facebook would still be profitable and so I'm I I encourage Oversight and public scrutiny into how these algorithms work and the consequences of them. Okay, so in short Yes, Facebook would indeed lose profits if they changed the algorithm now This isn't the most bizarre question for a lawmaker to ask Knowing that these private companies have a fiduciary responsibility to increase shareholder value Of course, they're not going to willingly do something that hurts their bottom line So you need to know whether or not this is the case So you can figure out the right course of action to take and in this instance, of course You should do regulations because knowing that Facebook is a greedy company with one goal to make money They're not going to willingly change Something that you know makes them so much money. So that means you have to force them to make this change via regulation So at that point in time you get your answer, of course, you move on to the next topic Except john hickory loopers stays on the topic of Facebook's bottom line A little bit longer with another question. I'm a former small business owner. I don't Started to brew pub back in 1988 Uh and really was always we worked very hard to to look Again, we weren't doing investigations, but we were very sensitive to whether someone had had too much to drink Whether we had a frequent customer who was frequently Putting himself at risk and and others um Obviously, I think the the facebook business model puts Well poses risk to to youth and to teens You cared compared it to cigarette companies, which I thought was rightfully so If this I guess the question is is this level of risk appropriate Or is there a level of risk that would be appropriate Okay, so that's kind of a weird question This is the former facebook product manager not an expert in sociology john So I guess I just don't really follow what your point is. Are you implying that Overall, it's worse for society if facebook loses their profits I What are you getting at right and she made a pretty solid point about the fact that you know, it might Hurt them in the short term But in the long term if they change this algorithm and they don't willingly promote hate for purposes of profit It could help them With future revenue because if less people are leaving the platform because it's so toxic Maybe that helps them in the long term So you'd think all right, we've got two questions About facebook's profitability. It's time to either yield back your time or move on. Well, no, he brings up profits again I also thought that the um The question of Of how do we assess the impact to their bottom line Uh, we had a representative facebook in here recently who talked about that eight out of ten Facebook users feel their life is better and that their job is to get to 10 out of 10 Maybe this is the two the 20 percent that they're missing. I don't know how large that the demographic is of of people that are caught back up into this Circulus, uh, circuitous, uh, you know Sense of really taking them down into a the wrong direction. How many people that is do you have any idea? Okay, this is strange You no longer sound like a politician who's inquiring about a company's policy You sound like a businessman who's weighing the pros and cons About the short and long term profits of a company It's almost like he has stock in the company like that's what it sounds like to me except that's exactly the case He's asking these questions He's so concerned about facebook's profits because he literally has stock in the company As donald schov sludge reports while inquiring on facebook's bottom line Hickenlooper is invested in the company the senator's facebook shares are worth as much as 500 thousand dollars So he was presumably concerned about facebook's profits because it also impacts his wallet as well This is an obvious obvious conflict of interest and lawmakers shouldn't be allowed to have stocks. Why are they allowed to own stocks in Companies that they're supposed to be regulating doesn't this seem kind of fucked up Doesn't this seem like a system that is designed to fail and skew towards the business class of the united states That's exactly the case And it gets worse than that because it's not just that he's overly curious about facebook's profits It also influenced him As a lawmaker it influences what he chooses to support and not support So shaw adds the senator is not a cosponsor of the major democratic antitrust bill the competition and antitrust law enforcement reform act Introduced in february by senator Amy klobuchar The only bill hickenlooper is cosponsoring in the science technology communications policy area according to congress.gov Is a bill from republican senator roger wicker that according to a summary from senator hickenlooper and wicker Would require the national telecommunications and information administration To establish a test bed to develop and demonstrate innovative supply chain technologies and applications and establish a grant program To promote the participation of us companies and international standard setting bodies The bill is intended to help us companies develop new products to compete with chinese competitors Hickenlooper who is worth at least 7.8 million dollars on stock in several other tech companies Including microsoft automatic data processing alphabet amazon apple intel and invidia So there you have it. That's why he's so concerned with facebook's profits That's why presumably he's not signing on to legislation that would hurt facebook because it would hurt their bottom line So this is why these sorts of conflicts of interest Shouldn't exist This is why lawmakers shouldn't be allowed to own stocks in companies that they're supposed to be regulating But it's sort of a difficult situation to get out of because how do you convince lawmakers? Who all own stocks in different companies and industries to pass legislation that bans them from owning stocks in industries? I mean it's it's like them cutting off their own noses To appease everyone else and They're not gonna do that.  He doesn't need to be concerned with facebook bringing in additional profits But this is the game. This is the way that it's played and it's sickening, but it's not surprising