What's up everybody? JC here for jacobyscasebrac.com. We're giving away 15 father's day packs away guys with this break here 2022 Panini absolute baseball 10 box case break random teams number five Excuse me, and then at the end guys. We'll be randomizing the names Top three get five packs each right there guys.  Hopefully man. Hopefully. So here's the dice roller. Here's the customer names right there and Here are the teams Let's go man for you right there Padres roll six four ten times one two three four five six seven eight nine and Matthew Dana Tyler one two three four five six seven eight nine Yeah, instead of like giving you like the normal like, you know baseball path of a sweet spot autograph They're giving it to you in a booklet now basically Dodgers down to the Tigers So Matthew with the Dodgers as well as the Cubs Bennett with the Rockies Rex you have the Padres Damn Rex got him. Maybe he's watching though. Maybe I'll make a trade Bill with the White Sox Eric with the Blue Jays Canada the twins Greg with the Mariners Bennett with the Yankees Matthew with the Reds Brock you have the Red Sox Carlos with the Pirates Nick with the Brewers Ardano with the Marlins Nick with the Cardinals Richard with the Guardians Austin with the A's Eddie Harden with the Mets Barry with the Diamondbacks Nick with the Phillies Kevin with the Giants Eddie with the Nationals Texas Rangers for Kev Arana with the Orioles Barry Roberts, you have the Rays Tyler with the Royals Emma with the Braves Kevin with the Astros Kenneth Kenbaum right there with the Angels and Tyler with the Detroit Tigers So if anybody does want to make a trade I'll give you as a quick minute of Rex's here Brock He usually is watching but how Shannon though, man Hawks Nuggets Guys, I'm gonna close it. Oh, is that right, Tyler? I know there's a Bobby wet like dual relic though or something like that. There's something wet in here really did I I know I Feel like I might remember that one of one What product was that? Is that an optic? Well, I guess optic would be the gold vinyl, right? Also to you guys just this little FY for you guys just as the people watching the break Re-watching it later. We ran out of those normal 25 counts lighter boxes So in the meantime, I think we're supposed to get them by tomorrow if not Monday This wouldn't go out anyways until Monday or Tuesday anyways, but in the meantime I think I'm gonna probably put all the booklets together and as many of these as possible and Then obviously when the shipping team sorts it out when we have the booklets that'll go individually But if you have multiple look out you might get multiple and one of these bigger ones But just don't apply Contender so contenders optic then right because I don't remember it. I would assume it had to be a gold vinyl if it's gold Because contenders I guess I guess it could be a gold ticket. All right. We got Brandon Crawford Josiah Gray Brett Honeywell One of you know Faster scroll through the names and teams I ever seen Uh Like what do you mean core like me announcing them Richard with this Richard with that or with this Greg Dyson I also left it up on the screen for like at least a couple minutes She has to see Cubs right there Adam Therefore the Philadelphia Phillies hastily I Need a couple of these bad boys. I think I remember that Well, whatever come to it or not Whatever It is out core. I usually don't like to pause my videos because There's been a couple times where I Unforget to unpause it So I've just kind of just let it roll So if you're watching the replay people kind of just skim through it anyways I don't want I don't really like to pause my videos too much. I only pause them if it's like A big big mixer and like people want to trade and take a little while So if you're watching the replay you got to see your list of teams for like three minutes probably Brian Ralph's tonight and I and we got Christian Pache one of one. How about that? Whoo? majestic tag I don't know that says 150 maybe a little button uno of uno Very nice sweet It should be DJ it might still just be uploading remember we do have a DVR effect. So If you don't want to wait for it to upload then I would just scroll back and rewind back But it looks like it says processing the HD version. So it should be posted already Nice Christian Pache though for the open a's Austin Corusso And then we have a add a 99 Connor Siebold for Boston There you go That is for the Red Sox and Brock. There you go on the board Like I said, I want to put these in these boxes for now. Just keep them in here. Just so that way they're protected in there Oh, yeah, no problem for it.  I like to just speed through the names I mean technically I kind of don't like to say every single name in team because obviously You guys can just see it yourselves It's just a habit that we've had here when I first started breaking same thing with Joe like we just always Called out your guys's names and teams and if most people actually want to hear it rather than see it, you know, I Don't know. I feel like I feel like most people honestly don't really pay attention to every single detail. We're breaking So sometimes I'll say Clay and Kershaw, but someone doesn't even know right what team that is, right? They're just wanted to get into a break. They're just like what how can we don't say the team name Dodgers? That's all they really care about but yeah, I don't really like to unpause my videos. So or pause my videos Oh Kaboom Juan Soto Kaboom But no worries man There's always a little things we can improve on But I personally just rushed through the list in the sense that like I just say your names really fast And then I just leave it up for like a minute and that is for the nationals Eddie Then we got Eduardo Cabrera Gabriel your eyes for Cleveland and don't ever don't ever feel bad Cory to ask what I what team I have I can always tell you in the break to Jake Berger signature series to 50 Reese Okay, and remember too guys. We do have a DVR effect So if you feel like you missed the break or you want to go back and rewatch something that you might have missed before uploading the video Like I said, it's it's it's like a DVR You just click the red dot and you can scroll back to probably it's right when we first started the live stream and Catch up, you know just in case You ever miss anything Like that Eddie, that's nice, right? Do you want Carl Stanton to 149? That should easily pay for the spot It's Kaboom spot won't go for as much as like officially licensed Kabooms like basketball and football But it'll easily pay for a couple spots in the break. Just so I agree to 149 Brandon Lau Matt Verling for Philly tonight nine Don't worry Cory. I'm a man of the people man If you need me to go back and show your team, I most likely will in case you miss it Well, middle box fell. Wow, really? Well, then I take that back then the kabooms are selling for great money I was thinking some of these kabooms probably only like two three hundred dollars, but Again two three hundred dollars for a product. That's only like a hundred fifty bucks a personal and a random teams only like fifty seven dollars I mean you're making great money But yeah, they're going for like seven hundred almost five six seven hundred dollars day Definitely worth it. I wonder what the wander Franko goes for them. Go look that up for me Rex Wonder Frank is Kaboom. That's what I really want to pull. I pulled almost the same couple people I pulled like so do a couple times already. I pulled Freddy Freeman, I think I pulled a Mookie Stan Musil Brandon by that 299 Rick Houston TJ and Matt Manning to one wonders in the 1k range. Wow, that's a great Great return right there. It's like 10 boxes worth almost Yo, Hodges for Brooklyn Cooper Chris will 299 for the Los Angeles Angels of Anaheim Ken Bono that one for Minnesota Curtis Terry And we have a Tony Santa to 299 for Sinsey This will not have a book. Usually there's at least one per box Because I only have two books in here Freddy Freeman Chris Bryant to 99 and a AJ Alexi Yeah, what is rookie Corey? Frank goes a rookie. Well trouts. It's probably like is not even how many times to make abooms already Patrick Isaac tonight and I for New York Mets Bartolo Cologne tonight and I I have yet to pull any wander Franco autographs though. I must say Andy Pettigold iconic ink 8 out of 10 for the New York Yankees Just going to Bennett's e-page Riley Adams for Washington Eddie with that one little redemption here. Is your redemption? Oh, it's Mark's a fame Let's see Wow, but it's Lou Bob though Mark's a fame Chicago White Sox. That's going to bill. Well, you just have to remember this Corey There's only one rookie class right only one rookie year. So for wanderer per se His his best cards are always going to be 2019 when he was a bowman's first Just just that bowman product specifically and then 2022 anything rookie wise because after that it's a second year third year and he's just a veteran Which again if he keeps it up His cards will still sell well, but it'll never reach the peak of what his rookie cards go for So just gotta think of it that way like that's the only reason why it's going for more than of Mike Trout If it wasn't his rookie year, maybe it doesn't you know But let's like go back to Mike Trout 2009 bowman first or 2011 and go see how much those Mike trouts go for Rookie cards and graded card autographs per se compared to what they go for in 2021 2022 You know over 10 years later. There's only ever gonna be one rookie kaboom For one of Franco. It's gonna be in this product, you know Hip rage fillers full now nice very nice Another Bartola cologne, that's anaheim angels edition and we have a wonder franco to 99 rookie class number It's the only entered I've been able to pull a Jaleski Yes, technically second year in the MLB, but he's rookie class is 2022 It's because they think the base was a little bit different Thomas there for the Mets with with with the hobbits a little different because Tops couldn't predict that they were gonna he was gonna get called up before 2021 started so they weren't gonna put his cards into production until they knew He was a rookie But it's easy. It's easy to do it for football football basketball, you know sports like that you don't have to worry about the timing because When you're a football when you're a rookie draft pick in the first round You're probably most likely playing that year unless you get injured for baseball, right?  It's not like The day they get drafted is the day they're they're gonna be a rookie It might take them a couple years so in a sense for you're right that this would be a second year kaboom for him, but it's not because This is his rookie class year Oh, Ronald Okunya junior 53 out of 75 and then of course it'll have the RC right on the kaboom Compared to another year's worth next year years after that a line of foul. Oh, sorry line of foul. It's a lot of Braves Emma and Christian Walker 299 that's where Arizona Barry Roberts iconic ink 17 Ty France Chicken baseball is not my strongest Let's look at the check this really quick at Seattle Mariners. It looks like part number 17 to 189 Mariners that's going to Greg dash. I know what you're trying to argue for it But what makes it more expensive and more desirable is that it has the RC. That's all that matters You can have a 2020 bowman platinum autograph and have a you know 2019 Bowman baseball first and that's always gonna outsell it You know Like I said with baseball is a little bit trickier and like hockey because you just can't really predict when they're gonna be rookies and for baseball in general They want to start producing cards of these guys when they're not even in the league yet They want to have prospect cards out there already for them just just for money purposes, right? But RC is always gonna make it more expensive That pretty much as close as that are you may know So don't matter how many kabooms he's had before I don't even think he was in the kaboom sets before had to be honest But because if he wasn't a rookie they weren't putting him in much He was probably only in certain products where he's a prospect Drew Rasmussen to 189 and they would specify like prospect Siri patch autograph James and Talon to 99 for New York Yankees Bennett with that one Mookie to 149 judge Aren't the Yankees like on fire right now to 149 boba shit for Toronto Toronto Blue Jays that is Eric and Matt Manning to 99 Yeah, but to be honest Corey unless one like let's just say one or Frank over some reason Bombs this year.  Let's just say and It's time for panini next year. Well, I don't know you know to have baseball. Let's just say they did It's time for them to choose Which veterans in the league we want to put our kabooms He actually might not be part of that list because he didn't have a good season or just isn't playing the same The only reason why he was featured in this is because he's the big rookie chase But it doesn't necessarily mean that he's gonna be in next year's and the years after that I mean, like I said, you see the same names like so do my trout Ocunia, you know Because every year there's still one of the most popular players and produce every single year You know But not necessarily you have to assume that he's gonna be an every single product every single year In the same subsets in the same short prints because that only Only happens like you know Just this once, you know, so like all the like let's say color blasts in prison this year for football It was like all the big rookies, right? All the quarterbacks are running back running receivers Robbie Ray But next year it won't be like that It'll probably only be the top rookies in the color blasts here, right? And then if they had a great first year and they're promising for their second year, then they'll put, you know Trevor Lawrence again in a color blast and they'll put Mack Jones in a color blast But that doesn't necessarily mean that he's gonna be in the same subs at every single year Auto locus Yeah, and the one thing for you then perfectly Corey is that Veteran stuff just doesn't sell as well as rookie stuff because everybody just wants rookie years for a personal Collection or personal investment That's more down the road, right? All these people that are buying up all these Justin Herber's Joe Burroughs any rookie from the last couple years Are spending premium monies because they're trying to invest into a potentially hold on to it for the long run So that's and you guys also remember too that a lot of these veterans Don't won't be selling for as much as because they've been signing for years upon years upon years and when you sign too much That's when your auto prices really go down. I mean look at the difference between like let's say Tom Brady who only signs about five to ten cards in most products. That's it. And then you have someone else like I Don't pay manning out there. That's like in every single product and signs till I got a 50s and 99s, you know The autograph valley is gonna just go down in price So for people that obviously, you know try to argue like man, these guys should be selling for way more They should don't get me wrong But it hurts that they sign in every single product, you know, Barry Sanders and all these older legendary veterans Boba shed just to throw a football there was an example Jake Myers one out of five. Oh man, it's gonna be a great patch. Wow. Look at that patch for Houston That is a patch. And that's one thing I do love about Panini It may not be licensed, but all their patches are definitely player-worn game used and they really give you great patches So they go Jake Myers that is for Houston and Kev they go mad great patch So I was able to put almost most of the booklets in here, so we'll leave those there What I'm saying is the current is that like Like there's only just one rookie year so after that every other card is gonna sell well if they still continue to play great and You know, but they'll never be the same price as what it is The rookie class so anything wonder Franco 2023 will never be worth as much as 2021's now, of course you might get a one-to-one 2023 comparing to like You know another product. Yeah, it's gonna sell for more, but actually Steve Birch is is perfectly Kind of perfectly said it. What do you think's gonna be worth more a one-to-one rookie or a second year one-to-one? It's gonna be the first year if it's the exact same card exact same everything. Ooh by storm Wander Franco rookie will always be better than anything else Or at least sell for anything else better than anything else. I should say Carlton fist and can't compare either like trial to wander Franco Either that's like oranges to apples Wander Franco may be selling for more as a kaboom right now, but if there was like a rookie trial kaboom Let's go back to that class and that year with trouts are rookie Jackson Coar For Kansas City and then see what those trial kabooms go for back in 2012 if they had some You know as an example and then we can compare what sells what sells for more a trout rookie kaboom or a wander Franco rookie kaboom That's more of the argument Roger Clemens to 149 and a wow that was gold out of 75 Max crannick for Pittsburgh nice color match though. No, I know what you're saying Corey I just don't think you understand what I'm trying to come with but it's okay out of 25 for Philadelphia 23 out of 25 and Brett Honeywell to 189. It's okay though man. What there's no hockey today, huh? Are these are they I think they're busting them They're busting like a 3D day in between right I thought hockey would have been tonight What a bummer Byron Buxton Corbin Burns extreme team We have a 5299 Ryan Mountcastle and Cedric Mullins and tonight. I'm Riley Adams for Washington Cruz O'Neill tight whoa Ty France to 75 iconic Inc. Yeah, I mean yeah that that exactly Because it's a rookie set compared to a second year 30 But you're saying is out you don't understand why that's it. I mean that that's that's it That's basically why Eric Fetty if that's something that you don't care about the core That's perfect right because if you just want like a waterfranco kaboom don't buy this year's kaboom Just buy next year's if he has one enough. It's gonna go for a lot less And that's also the main reason why they continue to still you know create products every year and Use the same players over and over again is that not everybody will be able to afford right? That one rookie class year for X amount of for whatever player you're chasing But you know for collectors. It's like Walsh. I can't afford anything Mike trout rookie or what I can't 2011 but I can afford 2020 trouts 2023 trouts whatever the case may be and to me an autograph is stone autograph a patch autograph still patch autograph I don't really care for it to be a rookie But that's just more for the long-term investment But some people does hardly just rather have rookie stuff rather than second third year stuff by storm Juan Yipes and to 50. That's Josh low for Tampa Bay to 50 Wow, I only seen one kaboom in this one my first couple cases. I did of this We had two kabooms now fight the last couple to You know last couple last couple are freaking Then only one Ronald Acuni, Jr. It's 149 and no more shame bass We have a absolute ink for the Dodgers victory Gonzalez Luke Williams Last case Joe bro had no kabooms.  I remember the first like couple absolutely. We're pulling two kabooms in every case It was great The last couple that I've done. There's only been one Colton one. Although this one did have a one-on-one.  It was like back-to-back So great boxes All righty then guys so again, like I said, we'll distribute these out and put these in You know, I said its own individuals ladder boxes will we get that shipment in so those all be there But overall really really nice. There you go. See car. Yeah Yeah It's just all about the more value of it. That's all You're correct on all what you're saying that like what's the difference like I can I'm if I can get another year's one Then but it's for the resale value of it. Just like Steve saying right if he had a one-on-one rookie or curry autograph Probably a millionaire. I'm just saying as a Jump I just say that it's a millionaire. It's a million dollar card But because it's a second year, it's probably only half a million or something crazy like that, you know, whatever the case may be Soto there was that one-on-one But for a collector, it doesn't really matter. I Mean going around collectors also still wish they had that rookie year because they know in the long run when they want to get rid of it They're gonna get rid of it for some great Exactly See we solved it. That's basically it though. So there you go guys appreciate it now. Let's give away some Father's day packs So top three names get five packs each guys top three names. So I think I already have this ready to roll here Here we go roll it Four and a five five and a four nine times one two three four five six seven eight and four and a five nine Emma Ariano and Matthew would congratulations You guys are each getting Five Father's Day packs ship sealed to you guys. So appreciate you guys I did post up another one if you guys want to do run it back a little bit later tonight We have at least one more case worth it seems that This filler sold out which would unlock the hip parade dual case break. So we'll be doing that next so appreciate it guys and Let's continue to get some more bricks and jazby's


State authorities are offering a reward for information in the death of a northern Minnesota man who was killed in his home last year. Sixty-year-old Brian Joseph Nelson was stabbed and found dead in his house behind the bottle shop liquor store last July in Hibbing. The Minnesota Bureau of Criminal Apprehension said Tuesday or Thursday it will pay $25,000 for information that moves the case forward. Nelson was a longtime Hibbing resident and owned the liquor store. Police believe he was killed sometime between 10 30 p.m. July 8th and July 10th. authorities have made no arrests despite an extensive investigation.


You know in the 70s homebrew kits for beer were legalized beer proliferated because it used to just be like three beers And it was all like yellow fizzy water, right? No taste and now we have like I don't know yeah a couple thousand two breweries right because you know they gained an appreciation right for the ingredients and the methods


Is it safe to light a campfire during the fire season? CFA declares fire danger periods by municipalities across Victoria during periods of increased fire risk. Total fire vandals are also declared by CFA on days when fires are likely to spread rapidly and can be difficult to control. During the fire danger period, a campfire is prohibited unless you follow these important rules. Ensure winds are less than 10km per hour. The fire is lit in a properly constructed fireplace of stone, metal or concrete, or in a trench at least 30cm deep. There is a clearing of 3 metres around and above the fire. The fire is no larger than 1 square metre. A person able to extinguish the fire is in attendance at all times. The fire is completely extinguished with water before you leave. Lighting a campfire is banned on total fire ban days. To learn more about campfire safety visit cfa.vic.gov.au forward slash can.


Well, thank you. Thank you. That was a very good intro. Do my best to keep up the expectations Hi, everyone. My name is Fernando Phantom. I'm a chief product officer of Monzo Hopefully a lot of you know Monzo. Monzo is the largest UK digital bank with 9 million users If you ever seen If you ever seen this hot coral card, and by the way, it's hot coral. It's not at any other color Don't make that mistake. That's one of the Monzo users so Monzo has a really Has the same mission for a long time our mission always been to disrupt and transform the banking industry across the entire world pretty humble ambition and The mission of the company which is something that everybody knows when you join Monzo Really says that is making money work for everyone The mission of the company is embedded on everything that we do I Join Monzo a year and a half ago and really kind of re-energized my lab for product So what I wanted to do today is to share a little bit in the 15 or 20 minutes that we have What is that magic?  So I'll do my best to share a little bit of what I believe makes Monzo special what I believe makes Monzo product special With all of you today So before we dive into the agenda I'll tell a bit more why I join Monzo as you can see for my subtle accent. I'm not from the UK and from Argentina Most of you might know Argentina from football if you're French you definitely remember Argentina from football That was a great final, you know, yeah, it happens But anyway, I I could talk about football for hours, but I can talk about finance for 20 minutes for sure Argentina is actually not that different than the UK or the rest of the world Definitely not the case when I grew up in the case that Finance having access to great financial tools is not something that is available for everyone It's actually available for a lucky few for a very small part of the population The majority of the people do not have access to great financial tools to make the most out of their money as mission as Monzo's mission clearly wants to do So today I'm going to talk a little bit more about our Monzo way What makes it special? What are the ingredients that make the Monzo product special for our customers? And I will also talk about three examples That I hope bring it to life three of our products That is an investment product our home ownership product on our call status tool. We launched all these products in 2023 So let me share a little bit more about Monzo first Monzo has more than nine million customers and 380,000 business customers 2023 was an amazing year for Monzo. We added more than two million customers in that year alone And we're adding hundreds of thousands of new customers every single month Monster is really well known because of their customer experience and the NPS reflects that we have an NPS of 70 one of the highest in the industry known for NPS on the low teens and Of course, we're just getting started in 2024 in the next few months will be shipping more features and products that we have done in the next few years alone But really what I want to get in today is what power all of its access What is the secret sauce that really powers all the great numbers that you see in this light? We like to call that the Monzo way There's really not one single thing that I can mention But I definitely some key ingredients that I want to call out the first one is What we like to call first principles or start from scratch In Monzo, we all were every new product starts from scratch We don't look at what other folks have done. We don't look at other products We always start doing research from the beginning talking to our customers We like to say that we have no problem Re-inventing the wheel if we need to it's our customer needs that come first Know what anybody else has done and we believe that is very powerful Because allow us to create products without being biased by the past and actually to carve something that nobody has done Ever before and that's why we have a lot of first industry first products Because we are not we always look at the users first and the problem and then we come up with a solution The second part is how we build these products We build them in a constant dialogue with our customers All the time in every single meeting in Monzo. It starts with a conversation. What did our customers say? Did they like it? They're not like it our designers will go with pens taken level of detail about every small piece of feedback of our users But more importantly we'll also make sure that we know how they feel It's not only about customers if they like something if the UX is good or not How do they feel when they use the product? The third part is we test absolutely everything first internally We call this staff testing that's the milestone And every single feature or every single product at Monzo Never touches the hands of a customer if he hasn't gone first By the squad when each engineer designer product manager data scientist test them themselves And then the entire company And finally of course the moment to ship the product arrives and we put it out there for the users to try And the most important thing here is how fast you're going to learn and how fast you're going to iterate So we put a lot of emphasis on learning fast getting the signal from our users combining that quantitative feedback With the qualitative feedback that we get from user research And once we learn we iterate super fast because our platform Is great from a technical point of view and allow us to iterate really quickly within days We can put another version out there for our customers to try out So let's go from where it all starts Like I said before We always start from scratch in Monzo What does really mean is very simple if you want to do the same thing is very simple Is research research and more research We're absolutely obsessive about research in Monzo I know it's been quite refreshing for me because I never seen The level of depth of research that Monzo has It's been by far the most I've seen in my entire career included back in the day when when I was in Microsoft So the few nuggets of information to bring it to life We had more than 500 pieces of feedback for one single product in one single month our research team Wrote more than 172 research papers in 2023 alone That amounts to 16 full weeks with interviewing customers Which seems to be a lot of times going to Paris back and forth. I don't know why but 16 full weeks talking to customers And always like I said before the 3000 staff members that we have will be a key part of the Puzzle they will test it first give us some feedback if any little thing no matter how small Is not perfect. We won't ship it to our customers. So we sweat the small details in Monzo We really care. I still remember one day There was a my our head designer Voco was showing me in the app How if you actually move it a little bit One of the cars that is active has a bit of a sparkle running across and it actually took me like three minutes to notice it But then after what you realize is a lot of those small details in the app that transmits something very powerful To our customers So it's really that dialogue with our users Well, our community what makes in my opinion in our opinion Monzo special We kind of co-create with them The product together they turn us their needs And their their ambition and their goals and once we know what those are we bring them to life So let me tell you a little bit more about the community. What are the different places when we gather feedback from our users? First you will see the Monzo community has more than 40 000 members That posts constantly about any topic in finance could be Monzo could be something else And we're constantly looking at those posts. There's no one single post That does that goes unseen Uh by an engineer customer support agent or a product manager We'll read each one of them And i'll be honest with you some of them are no fun to read Because they really really do tell us exactly how they feel So sometimes it's great. It's a celebration. Sometimes it's some feedback that we need to take into consideration And we'll then bring it back to to the to the squad The second is our social presence. You might have seen Monzo is very well known for his Social dialogue. I think it's one of the most fun undynamic Social presence out there for banking for sure But across the entire world and you can always see how that dialogue continues in a social presence And finally our customer support team, but it's leading the polls Is a constant source of information They're constantly feeding back to the squads Some pain point of a user or how they felt or some specific detail that we have missed So a way to visualize this which I think If you're thinking how can I bring this back To to my product or my team or my company? It's almost every single meeting at Monzo. Definitely every product meeting, but almost every meeting Starts with some feedback from a customer It doesn't start with some sort of ROI or business planning start with the feedback from the customer It's a researcher or a designer or engineer or a product manager saying this is what we learned This is what customer told us. This is what they told us in the interviews This is what we heard from the community and almost ends with okay. What are we going to do about it? So I want to bring that point which is What does it all mean what what is this really deep dialogue with our users with our community really mean What it translates to what why is it important? Why we think it's really important is because of the connection It's a deep connection between the community and Monzo What it means is that The users or community shares with us through an entire life journey What the desires their needs and their goals are And sometimes those are sorts of celebration and joy and sometimes those are difficult moments Or something very painful that they're going through So I'll give you some examples on the left. You can see Get paid early is a feature that we had for quite a while Get paid early. You have your salary. You have a job. You get paid one day early It's a celebration and the product really embodies that you can see the confetti popping up And clearly we're celebrating with you. It's a good thing and we want to celebrate it together But we're also there for the bigger milestones If you're putting some if you're hitting some savings target We'll also celebrate with you or if you're paying your loan early. It's also a celebration But of course in life, not everything is joy and our users have Go through like each one of us to all kinds of moments throughout their throughout their life So there's moments of difficulty as well So we allow you to put some money In a safety net or for a for a rainy day because we know that someday you might need it and even when Other issues like if you have something That you want to share discreetly that is going on your life It's actually impacting Your relationship with monso with money We allow you to share it with us secretly whether it's a problem you have dealing with hthd Or even if it's domestic abuse, whatever that would be You can share it discreetly with monso and our specialists will read it and we'll act accordingly We believe this connection is what sets up monso apart It allowed us to work with our customers to understand what the real goals are How those translate to the daily lives And our job is just to work with them to bring them to life to make them real So now let me talk about some products Launches that we done in 2023, which I hope exemplify everything that I described before about the monso way of building and designing products This is one that is close to my heart is investment product Raise your hand who invests here today What if you who invest every single month Relitiously every single every single month Yeah, okay, not that many not that many Which is remarkable. Not not that many of you invest every single month That's a no surprise to us because our research again tells us that in the uk 18.5 million people Think investing is not for them Kind of couldn't believe that right? So we ask What is it? Why do you think it's not for you? The main reason was they didn't think they had enough money to do it So what did we do? We build the product or investment platform. We only need one pound One pound and you can get started To find 2.5 million people that actually invest told us we kind of wing it They were at least quite honest to recognize the winger. They didn't know what they were doing So what we did is of course, we build education right in the product So as you get started with only one pound you also learn and get educated about investing For example in the right hand side, you can see That we allow we show to you You show to our users what it means to invest 50 quid a month And 50 quid sounds like a lot, but it's two or three cup of coffee per week And we show them what is the difference if you could save that money and invested as you can see On the right hand side So what happened when we launched? We launched this product in 2023 and within days 250,000 Will already people were on the wait list Quite remarkable. The demand was clearly there More amazingly though One third of everybody that uses this product never invested before And this number rises to 45 percent When it comes to women, we're having historically underrepresented on on this category But of course, we didn't stop there. We keep talking with our users We continue the dialogue and our users told us I would like to make it easier for me to invest all the time I want to set it and forget it I know investing every month is important. How can I make it easier? So we set up this feature called roundups when all the roundups that you have when you spend with bonzo Go directly to your investments and one seventh of the investment product users Already use that today What you can see is Sometimes the right answer is not To make things more complicated It's actually to make them things simpler We can definitely have gone the route of building a niche product for a small number of people That were quite wealthier or any other sort of need But we actually talked to our customers. We realized the majority of them were not investing So we made it really really easy. It goes back again to our mission Make money work for everyone So you can see here 45 percent of people of women Are investing now and they weren't before Let's talk about another example Again home ownership How many of you have a mortgage would like to have a mortgage We'll have to have paid off your mortgage already quite a few Um, okay a few questions a few questions about it Do you know when your mortgage deal ends? Yes, I heard one. Yes, majority. You know, do you know what your loan to value is today? Yeah, do you know what your home equity value is today? Okay, very confident some very confident folks out there. Maybe they're pretty sure they're using the product already Um, so this is not news for us kind of Miss my hooker there this This is not news for us because our users told us the same thing. They told us it's very difficult To know exactly what's going on with our mortgage to keep up to date So we launched this tool Even though even though we don't have support mortgages now a month So we don't give mortgages our users told us they really want to do better and manage their mortgages better They want to prepare better. So we launched this tool in 2023 and as you can see the feedback was overwhelming But we didn't stop there So we asked our users one we launched it. How do you feel? Do you like it? And a lot of them told me a few things one some people told us look looking at the balance of my mortgage is depressing, right? And they truly did, you know, it's actually depressing So the team went in and said, okay, we need to fix that. So what we did is we went in And look at all the transactions back to 1995 add some magic to it And we basically Change it and swap it. So now we show the home equity value instead of the balance So you can actually see what was your initial goal when you have a mortgage you wanted to build home equity And of course you want that number to be to the actual and to this day. That's exactly what monso does A lot of people told us I have no idea what's going on with the mortgage rates in the news going up and down What does it mean for us should I pay more or less? I don't know So we build an overpayment calculator And in the calculator itself you can click Find out if you pay X amount more per month exactly what's going to happen to your mortgage So as you can see this is a product that wouldn't have existed if you didn't talk to our users We weren't we don't have a mortgage product. It really come directly from them The need and we were delighted to provide a tool that they loved Okay, last but not least fraud as you all know is a big issue in the uk More than one billion pounds were stolen from fraud in 2022 And 45,000 people were victims of impersonation fraud in the uk Impersonation fraud for you that don't know is somebody calls you And pretend to be from a bank or somebody you trust and really trick you to send money to them So one of our engineers Knew this was a problem and in an internal hackathon in a few days develop a solution And again, that's one of the benefits of having a tech stack that is modern and easy to change We look at it and of course we loved it and we were able to launch it very very quickly After launch The reaction was as you can imagine super positive for the industry alike as well as our customers This was an industry first Nobody has done it before and again going back to the monso way That was expected because we never thought about anybody did it before or not Which I thought it was a great idea It will tackle a real problem in a way that nobody has done it before and you can see the results Right now basically the way it works is you can go in the app and if somebody from monso is calling you you can see it right there You can see what we're talking to you And if you are not if it's a fraudster, of course, we'll tell you we're not talking to you reporting now So you can report it in the tool 700 people report fraud through this tool today every single month Okay, so let's try to bring it all together now um like I said before The monso way is not really one single thing is a combination of factors To me it's a little bit of everything you see on this slide. It's about Thinking from first principles. It's about reinventing the wheel if you need to it's about this deep connection with our customers It's about the sign and sweating the detail. It's about an obsessive amount of research But to me more importantly is the connection with the mission Every single person in monso engineer designer. There are scientists every person in business Connect with the mission. They want to make money work for everyone. They want to stay close to our customers They want to stay close to the product. They want to test it. They want to try it It's much easier to do it if you try it than you're five five thousand miles away And we believe that's really what makes monso special the connection between monso notes and the community That deep connection that we have The reason why I was very thrilled to come here today is because we don't believe that this is unique to monso In any way or to finance in any way We actually believe that this is the way when you build truly transformative products that change people's lives Particularly in this moment when some conversations are our product. I believe is an even important message Product well done. It is transformative. It changes and disrupts industries And we believe that this can be applied to any other product in any other industry So hopefully a little bit of what I shared today is useful to you and you can take it and disrupt your industry as well Thank you very much


Okay, is everyone here? Good morning everyone, it is great for us to be here in Berlin now today to present to you about chasing an open stack, a new step forward and here is some information about us, the speakers. This is Mr. Vinh Muintang. So hello everyone and I'm Tau Vinh and I'm a core viewer of OpenStack and I'm an organizer of Vietnam OpenStack user group and currently I'm working in Vietnam. Hello everyone, my name is Hieu and I'm also the organizer of the Office of Vietnam OpenStack user group and also the organizer of the OPNF user group in Vietnam and right now I'm also the software engineer, especially in cloud, at Vietel, the co-provider in Vietnam. And the last one is me, my name's Yen but you can call me Iris. I don't officially work in the field but I have a huge interest in OpenStack and I hope that this is the first time I have ever been to this summit and I want to learn more about OpenStack. Okay, and here's the agenda of what we are going to talk about in this presentation. The first thing is chasing in OpenStack OS provider. Next is ways to add more, to add chase points in OpenStack project and here next will be the supported driver back end chase databases and we will also talk about common configurations and store chase with driver chasing and also we also add a demo project, a demo presentation and a Q&A session. You can see here this is a representation, a representation of chasing in OpenStack with a simple command, OpenStack in mesh-lit. I'm sure that everyone knows this command and you can see here the duration of this request about 544, I'm sorry, 24 millisecond and you can see we can always look and trace a lot of things here such as WSGI code, DB code and it's across the service keystone glance and you can see in this slide and later on I will show you some information that OS can trace. Okay, and here's some information for those who don't know what is OS profiler. It is an OpenStack library which can be used to analyze service dependency to optimize performance and latency and also it is used to analyze root cause and some information that OS profiler provides for user is dependency between OpenStack services called duration in each service and each function in each method and DB code and also it also lock error and exception and you can see on the slide that we have also provided something that OS profiler can chase which are WSGI HTTP here request, DB code and SQL request. These requests are usually disabled by the default because it causes a lot of traffic for the user so but if you want to chase these requests you can also turn it on and also OS profiler can chase RPC calls and driver call and in the case of Nova and Cider it can also chase the cause of vendor drivers and here are some projects that OS provider has already supported which are the core projects included Nova, Keystone, Neutron, Cider and Glance and also there are some other projects that are ironic Glare, Heat, Magnum, June and some other things you can see on the slide. And I think you guys wonder how OS profiler work and you can imagine that in OpenStack we have a lot of service such as Nova, Keystone and Cider. I assume that we have a request that travels through OpenStack service such as service A, service B and C and service C will have a function and a function from service A will call to service B with the function B and function B will call service C and function C and at the end the request will return to the service A and return to the user to get information. You can see here that I'm routing some trace point. That's trace point is actually how OS profiler work. At each trace point OS profiler collect some information such as time consuming from the start to the end of the function and some argument even and result or result of the function and send to the notifier and store the information in the trade database. You can see about the trace point. And we have a lot of way to add trace point to OpenStack service. Actually we have five way but here we only show you two way to add trace point. The first one is manually added with the started function and the end of the function. You can see here the point name and any key value that you want to log to OS profiler and with decorator you can trace from just the start of the function and OS profiler will do all the thing you want. And there's the more way to add trace point to tune to your OpenStack service you can see in the documentation. You can trace your class even with your meta class too. So currently OS profiler support a lot of backend drivers such as messaging with RapidNQ via OS profiler messaging by default and Syllable and store straight to panko. Actually this one will be replicated in the future. And Redis, MongoDB, Elasticsearch and Loginside. And the last one I want to talk about here is a target chasing. It has been done in Rokie cycle. So the next thing I want to talk is some configuration. If you want to enable OS profiler in your OpenStack, you just add this section to your service configuration such as Nova or the Glance with some information such as enable to mark that we will enable OS profiler in your OpenStack service. And if you want to chase your SQL and can meet a code. Yeah, you enable it. Actually by default with Disable it's because it's generated a lot of chase and the smart key to make sure that we client is code to your OpenStack service. I will talk about this later. And the connection string here to show that's a weak driver like and we want to store the chase. In this case I threw Redis and for this configuration I have a simple command that I showed you earlier. With OpenStack image list, you can see I add some argument OS profiler with the smart key here and beside the information that's you familiar with OS profiler provides some information related to a trace ID or software ID for OpenStraight Sync based driver. In this case it is a drag tracing. You can use this ID to search in this case in drag UI dashboard and if you want to generate an STML representation of this chase, you can type this command to your CLI and I will show you an example of this. This is an example of the image I showed you earlier. Such as this one. At this point OS profiler collects some information about your service such as query and method and the pass to your service and also it's a trace duration in a millisecond. This is a request span in Glance WSGI. So back to the presentation. And also we can store trace with drag tracing. Just chain the connection string here to the URI of drag asian and I will demo to you this one. So in this demo I will show you some config and how to create a trace and view a trace in drag tracing. Have a virtual machine here. So with this simple command, just enter and wait a moment. It shows some information the same with I showed you earlier and you can see in drag, yeah, there's a new trace here. Click to it and the information shows the same as with the HTML you see earlier. There's a lot of information that you can see here. And the duration of the call, that's a request in service. I will show you a query, just a quick query. Yeah, it's like a DB statement here. You can see the complete query for you guys to debug or RCA. Also it will show some dependency. Oh, just I'll show you later. And for the configuration, you only have to add this session to your service configuration. So it will enable OSOLO for you and after that restart the service and you have anything you want to do. So back to the presentation, okay. Here we'll talk next. Okay, so we already demo for you about the process of canoring the trace, viewing the reason in the HTML and also viewing the reason via the jacket back end. But for some, another reason that you want to deep dive or some to analysis, so we already implement the feature to represent it on the reason in the .dot graph as the showing in the screen here. Yeah, in the previous demonstration, we also show you the DAG, the direct acrylic graph that show you the dependency between the microservice in OpenStack. And as in showing in the slide here, you can see the from a new API to the new control or to the clean HPI. Here is the dependency between the graph, viewing the service and the number here state the total request that we already collect via the trace after adding the HTML key. And for some reason you see that we need to manually config adding the HTML key, enable the OS profiler in on the service manually. So in some scanners that you want to automatically benchmark for your cloud, the OpenStack cloud, the community already implement the feature to integrate with the rally framework for benchmarking at the service. And you can enable the scanners here and adding the HTML key and run the benchmark scanners and capturing on the output from OS profiler. And here is the reference to the rally .dot data how to enable and profiling the OS profiler via the rally. And as some of you can ask, what is the HTML key that we already use? So the HTML key, you can use it as a secret key to identify what type of client to send the request. And for the chain of service that you enable in the OpenStack, for example, you can enable the chain from Nova to Client to Keystone via the HTML key A. You can enable the chain from the Nova to only the Keystone via the HTML key B. And when the client use the HTML key B, they only see the trace or the recent trace only from Nova to Keystone as you config. So OS profiler use the HTML key just for the identifier. And for the future development, we want to firstly, supporting more backend for the trace database. Right now, in the ROCKY cycle, we only support the Zucker tracing from the OpenChasing from the Client. But in the future, maybe there are another trace database that we can support as Deepkin from Twitter or LiveStep. And for reducing the time for manually config the OS profiler, we want to add in the mutable configuration from the Oslo project for changing the configuration without restarting the OpenStack service. So you just change the configuration and sending some signal and then your service can auto reload. And for continuous tracing, we want to trace automatically without typing the command with integration with the mutable configuration. And the last thing that we adopt from Deepkin on the Zucker is implementing the sampling probability and rate or adaptive to reduce the overhead. We have already done some benchmarking for calculating the overhead while integrating OS profiler into OpenStack cloud. So the total number overhead can vary from 5% to over 15% for the memory footprint or the CPU. So with the sampling rate or to config the probability inside how we can capture filtering the trace result or the spanning. So we hope that we can reduce the total overhead. And as being said in the previous slide, by default, we disabled the tracing via SQL Academy because it can generate a lot of trace and cause the performance overhead too much. And yeah, that's all for our session. So any questions for you? Yes. You can go to the big camera. I have a question with any link this in production environment. So if you have a HMAC key specified in the config, but that's like a secret and nobody knows that secret and is there any overheads with just enabling one secret? You can enable as much secrets as you want. And with each key, you can generate trace of service that is key only and you do not have to care about more. So there's no overheads for normal requests? Yeah, actually it's a half overhead. Even with the HMAC key is not specified in the normal request? There's still overhead? Yes. Okay. Thank you. Basically, we inject some data into the request to the WSDI, ATTP or DB. So the overhead causing here is firstly because the number of the trace and secondly is the size of the request because based on the HMAC key, we need to inject some trace ID into the request and this is the reason why it's causing the overhead about the WS profile performance. Yeah. Would it be possible to use this as a way to do SFA monitoring of calls into the OpenStack framework or would the overhead be too much? Sorry? Would OS profiler be a tool for monitoring latency in API calls so that you can enforce self-set service level agreements about how fast the infrastructure should respond or is that too heavyweight for this purpose? No, it's not the tool for monitoring nor for the civilization agreement because for the SFA, if you add enable OS profiler, it can cause some overhead and so it affects your SFA. By the way, firstly the OS profiler, the name is for profiling. That's why we call it OS profiler and then after discussing with the community member and another like OpenChasing community, we saw that we can follow the way like deepkin or like step. So basically the OS profiler is just for benchmarking and root call analysis. And if you can see here the it can be used at the root call analysis. So for example in the demo here, if the request from the user to the end line is the keystone data way here and it can return the response to the end user, so we mark it at the green. But if something happens, for example the database timeout or you lost some connection or your code caused some bug and the last trade displaying here will have the red color. And for any request that can cause you some trouble and you want to debug or finding the root calls or you can look at the trace and finding the last trace in the result. So it will show you the information about the request or about the exception inside here. The exception here. But this is the good, no problem request. Okay. Is there any integration plan with external tool? Like by example if you have some middleware will call OpenStack and is already OpenTracing compliant, so you can follow everywhere then into OpenStack and have a complete workflow and not only the OpenStack port. Currently we do not have things like that, however in community we see one guy do things like that send request from other system to OpenStack and trace is with OpenTracing and in OpenStack his trace is with OS provider and return back to outside with OpenTracing. However we do not have it yet just community do that. Okay. Any question? Thank you. So you will have around 10 minutes for the lunch. Thank you for attending this session. Thank you.


تشرف بالاشتغالي بالعلم ولا تبغي به ما عشت يا دادا دالا وياله من شراف عظيم الحمد لله رب العالمين له الحمد الحسن والثناء الجميل وأشد أن لا إله إلا الله وحده لا شريك له نقول الحق وهو يهد السبيل وشد أن سيدنا ونبين محمد صلى الله عليه وعلى آله وأصحابه والتابعين لهم بإحسان إلى يوم الدين أما بعد تلاي إن شاء الله تعالى سوف نبقى على إستخدام الكتاب الوراقات في أصول الفق رتن باي ألمام أبي معاليل جويني رحمه الله تعالى قبل أن نتحدث عن الحقيقة وما يعني وإن شاء الله تعالى اليوم سوف نتحدث عن مجاز رحمه الله تعالى يقوم بمجاز into four types رحمه الله تعالى يقوم بمجاز into four types The first type he mentioned of مجاز is المجاز بالزيادة بزيادة And the second one is المجاز بالنقصان The second is المجاز بالنقصان And the third one is المجاز بالنقل And the fourth is المجازة بالإستعارة The fourth one is المجاز والمجاز بالاستعارة the first one which is المجاز بالزيادة what it means is it means that it's a metaphor which is extra and the example that he brought for it is قوله تعالى the statement of Allah سبحانه وتعالى ليس كمثله شيء ليس ليس كمثله شيء if you look at ليس كمثله the calf here is زائدة it's extra because what the word calf shows is what the word myth shows they both mean the same so here they say that if the word if the calf was to be dropped the meaning will still stand and to use the word here زائدة is not appropriate regarding the Quran because every single letter in the Quran cannot be dropped we can't say that a letter that if you drop it the meaning is still مستقيم that the meaning is still steadfast and is correct because to be honest the calf actually has an additional meaning that you will not find in the IAEA itself the word the calf here is a سلح is a connective in which it's strengthening a meaning and it is strengthening the meaning of the negation that's already there regarding الله سبحانه وتعالى so it is a سلح and a سلح in a sentence has a place it can't be thrown and dismissed the second one which is مجاز which is نقصان which is the opposite of the first one it is the مجاز of something being dropped الله سبحانه وتعالى he said in the IAEA وسأل القرية asked the village now you don't go to the village and you don't ask the village you don't talk to the walls or the land you talk to the people right of the village so they say that the IAEA should have been وسأل أهل القرية asked the people of the village أهل should be there the أهل has been removed and that the word القرية was kept in the verse and no other meaning can it mean except أهل قرية and the word قرية in the Arabic language it comes from the word التقري which means التجمع when people and something come together in the third type of مجاز is called مجاز ونقل it is the مجاز that a word used to be used in a particular way and it gets moved from that usage to another meaning the Arabs they did not like to speak about when going to do call of nature so what they use is the word غائط and غائط means المتسع من الأرض the land that's vast and open so the open place is what they call غائط but they refer to you going to do your call of nature غائط and the reason why they did that is what they disliked to actually speak and they are not in in favor of that that the person doesn't speak in that way so the place has been referred to you doing something you doing your call of nature the fourth type of مجاز is المجاز الاستعارة and the word الاستعارة is to actually borrow and the example he brought for that is قولوه تعالى the statement of الله جدارا يريد أن ينقضا a wall that wanted to drop or to collapse so it means جدارا يريد أن ينقضا means what اي جدارا يريد أن يسقطا ويهوي it is a wall that wants to drop and collapse and fall so what has been given to the wall a want right it's saying that the wall has a إرادة just like somebody who's alive who wants to do something and this is what is known as what is called مجاز الاستعارة is called مجاز الاستعارة is the مجاز and can we affirm مجاز we can't affirm مجاز unrestrictedly we can't say that there is مجاز unrestrictedly because there are many places where مجاز cannot be applied and it can't be used فا اي جمط لا تتجرب مجاز الاياتو الصفات الله تبارغ واتعالز واتشبط الامام أبا عمر ابن عبد البر المالكي ورحمه الله إنه كتاب التمهد which is دشرح قبوطه اممالك ابن عبد البر نقل إجماع الصحابة والتابعين يبني عبدالبار قرارة من المساعدة ومساعدة من المساعدة أن المساعدة ومساعدة التي تجدها في القرآن على أنها على الحقيقة أنها ليس متفوروكل وليس مجاز وأن المجاز لا يجري بهها ونستطيع أن تقوم بعمل المجاز هنا لذا أن يقول أن هناك مجاز في القرآن ومساعدة من المساعدة ومساعدة من المساعدة ومساعدة من المساعدة ونحن لا يوجد شيء مثل المجاز ومساعدة لأن فإن من شمك الاما العرب لأن من who has actually stood over and has studied the Arabic literature وتغرغة and has sunk deep بسنانهم their path and their ways of speech وعرف المنقول والمعقول and knows the textual and the rational evidences in the Arab poetry and the khutab their sermons they cannot really say that there is no such thing as a Majaz they can't some try to negate Majaz and what they try to say that is it's not Majaz it's called Uslub the reality is call it what you want it's the same thing it's Majaz you call it Uslub others call it Majaz the reality of the issue is that it's what it's that it is Majaz you can call it what you want Majaz does exist the best path to take is Majaz is present it is there in the Quran it is found in the Quran but it is found when there is a Qareena something that shows it and we mentioned this before there is Majaz there is Majaz and the Majaz is there when there is a Qareena a Dalla that indicates it فإن لم توجد القرينة if Qareena is not there and it can't be found then we say in Tafel Majaz there is no such thing as a Majaz in this particular issue and this can't be said that this is the view of رحمه الله in which he mentions in his and he also mentions it in his الرسالة المدنية and the الرسالة المدنية is from the last works that Ibn Tehmi put it is آخر ما صنف it's from the last booky author so it's as though Ibn Tehmi رحمه الله came to this conclusion now now so و未 يقتده و未 يقتده والأمر بإيجاج التفير، أمر بي، وماذا يتم ودفع إلا بي، كان أمن بالصلاة، أمر بالطهاضة، المؤديات إليها، وإذا أفعل يخلل النامور وعن نتعودة رحمه الله، now goes into another unit من فصول أصول الفق، from the units of أصول الفق، but he told us that he's going to talk about and this chapter, I mean this unit is الأمر، come on and the author رحمه الله, he explained and he defined what it means أمر، according to him the أصوليين he said والأمر استدعاء الفعلي بالقولي، I'll tell what he mentioned what does it mean استدعاء الفعلي بالقولي، two things the author's speech combines four things, sorry it combines how many things, his definition four points number one أنه طلب حصول الفعلي، it is to request for an action to occur and the second is the second is requesting for an action to be done requesting for an action to occur with a speech that is present in Allah the second one pay attention to the two it is a filthy belief of the أشاعر which is that the speech of Allah is without a sound and without a meaning the أشاعر a belief الله is in him and he doesn't come out as they say كلام الله is what قائمه بنفسه it stands in Allah just like الله تبارك والتعالى knowledge is with him and hearing is with him they say speech is the same it's with him in him it doesn't come out and the reason is because they want to negate that the sound and the meaning that comes out from Allah his speech has a sound and it has a meaning so if you say Allah's speech is what's within him then the question that's going to be asked to you is then okay how did this Quran end up in our hands then because if the speech has to be in him how did this speech come out the Quran that we have today so the أشاعر some of them said this is the Quran that we have today is the speech of Jibreel and another group of them they said that this Quran is the speech of نبي الله محمد and within themselves they refuted each other the ones who said that it's the speech of the Prophet صلى الله عليه وسلم they refuted by the other group of the أشاعر and they said how could you guys say that when Allah is clearly saying in the Quran that the Quran is not قول البشر that the Quran is not the speech of a human so what is it it's the call of Jibreel whereas أهل السنة والجماعة they said that the Arabs don't call something speech unless it comes out from you with a sound and a meaning are you with me brothers and they brought a Quran evidence from the Quran نبي الله is ذكرية when Allah promised him that he's going to give him a child ودل الله say سبحانه وتعالى قال آياتك ألا تكلم الناسة ثلاثة لايالين سوية in سورة مريم and another in سورة آل عمران الله سيس ثلاثة أيام إلا رمزة هي الله تبارك وتعالى ألا تكلم الله نغييته from نبي الله is ذكرية but if speech to you guys is something that's present in the person then what is it that's being negated from it because rams means to get your point across by doing ishara so according to your definition of what speech is ذكرية didn't lose speech because it was within him and the sound and the meaning didn't come out and that wasn't speech to you anyways are you with me get the point here ذكرية هيه is not speaking he became mute you know that right the sign that his wife she's getting pregnant now Allah has given him a child the sign was ذكرية automatically he wants to talk but he won't come out anymore free nights I'm free days Allah made him mute clearly Allah says to him that you're going to be mute for three days I'm a three nights and the way you're going to get your message across is what ishara rams they're going to point at things get me that drink see ذكرية هيه is not speaking that's what Allah said but according to you the eye is wrong it should be saying that ذكرية هيه because to you speech is what's inside but what is it that Allah is saying that speech is the sound it's the meaning that's not going to come out from ذكرية that speech I'll say it to Allah are you with me brothers so when we read the Quran Allah says وإن أحد من المشذيكين استجارك فأجيره حتى يسمع كلام الله كلام الله the word كلام هيه means صوت وحرف الله سبحانه و تعالى it has words and sound and it has a meaning which Allah سبحانه و تعالى is saying are you with me brothers so this second part of the definition of أبو معالي الجويني be careful it's tricky the third meaning is استدعاء الفعلي requesting for an action the third one is to request for an action by speech by speech بالقولي are you with me brothers this is also وصيني's definition صح and are you saying that to request for an action to be done it has to be done by speech as well as they say the author's statement here is بالنظري إلى أصله originally yes in its أصل originally a person does an action on war grounds when he is verbally requested to do it but it doesn't mean that's the only way to order a person you can request for a person to do something over a text message you can even request from a person to do something by إشارة like your parents are talking on the phone صح you will see now right and you know what day of the week it is sometimes even the command can be that's it your day is over صح there is no one who said anything to you are you with me and also the fourth one is أن يكون ذلك على سبيل الوجب that it has to be in a forceful manner they can't be done in A there is a fifth point I'm really sorry I said it's four but it's a fifth one, sorry are you with me brothers that it has to be done in a forceful manner and also in the definition of the author is that it's done by what somebody who is high to somebody who is low are you together brothers that the person who is asking for this to be done is a father saying to his son a mother saying it to her daughter are you with me brothers this is now called an أمر if two people are telling each other to do something do we call it a command do we call it an أمر no where brothers same like it's not an أمر are you with me this is not called a command it is not called a command like when you say for example anything that comes in the form of if and what does it show brothers yeah it shows an أمر right it's an أمر إفعال yeah what does that show that it say أمر right brothers don't go back on your words now okay إفعال when did we just take the author just gave an example what did he say وسيغطوا إفعال and it's form is إفعال إفعال show that this is an أمر right yes brothers so when you all say to Allah الله مغفر إغفر إفعال إغفر you are commanding Allah you see now this is the difference between دعاء and أمر when the command when the إفعال comes from somebody who is low and he use it for somebody who is high it's called دعاء it's called a that إفعال when it's used by somebody who is low and he is saying it to somebody who is higher than him it's called a جوه is called دعاء it's called a دعاء but if somebody is higher it says somebody who is lower it's called a أمر this definition of the author what is better to say is خضاب الشمع المقطضي طالب الفقلي أما ما طلبه الشارع فعله طلبا جازمان this is the best definition I can personally say it's best to take on board which is when it comes to defining what عمر means is whatever the shari'a tells you to do in a forceful manner ما طلبه الشارع ما طلبه الشارع it is anything that the shari'a requests meaning Allah and the messenger we use شارع for the messenger على المجاز because the Prophet ﷺ is not the legislator in and within himself he is legislator on behalf of who الله سبحانه وتعالى so if Allah سبحانه وتعالى or the messenger commands you to do something ما طلبه الشارع فعله it's doing ما طلبه الشارع طلبا جازمان in a forceful manner you have to do the author رحمه الله he mentioned the form of the أمر and the form in which the أمر comes in brothers is two forms the forms in which أمر comes in is two forms one is a صيق صري a direct manner straight to the point are you with me brothers and that is four ways