t that. Basically, it's required for the client just as we have a special value. Right. Yeah, branchless clued for the wind. Interesting. What do people think about that. Well, my only concern with that is whatever value we choose to indicate. I want it all do we run the risk of it overlapping with a valid value. I guess not because, you know, if sources of URI asterisks is a valid URI, isn't it or is relative URI. Yes. Yeah. Yeah, that that I mean we didn't we pass that rail station already on this. The point is, are we allowed to hijack it, right, or can an event producer actually produces an event that has a source with a value of star. And now we've removed the ability for someone to say I actually want just from that one person. Yeah, what I meant what I meant was we have this. I. Yeah, I think that's that's the thought that I expressed earlier with having a special catch all or anonymous source. Yeah, we'd probably make it, we'd have had to make it under the cloud events URI. Scott Scott is already starting a naming discussion of star. Okay, that's, it's the only thing that fails parsing for relative URIs. Can we make it a shruggy. What a shruggy. Yeah, it's a simple street comparison. Come on. It is. No, no, no, no, no, no, no, actually, now you're breaking the jail on utf encodings. That is not funny because because that I stipulate I retract. Okay, good, because that is very difficult for duck to express in this episode existence. Okay. Okay, tell you what, I think, okay. Let's let's do this. Let's, let's, let's, let's pick up next week on whether it's optional versus required with it with a catch all string. For right now we're going to keep it as required until we hear more use cases. Actually, next week. Okay. I would like at least three minute break before the my next phone call at the top of the hour. Are there, is it, are we okay with the group with this being a good stopping point since we only have four five minutes left. Okay, please let it end. We'll be back here again next week. Don't forget. Actually, what I was, what I was going to do is I was going to take this example and rework it based upon the decisions we made today because I think a lot of things actually dropped by the wayside. And relative to this example we may not need the full time but I also don't want to assume that this use case that I put forward is the only one we want to discuss so I try to before the end of the week revamp this thing and then they put it out there for us to decide either slack or email whether we want to continue to three hour discussion or whether this is it. I have the sense that there's more to discuss here I just don't know what they are right now. But I'd love to hear your guys feedback in the last minute or so. Do you guys feel like we have more to discuss. Because three hours is a big ask of the group class you keep coming off mute. I just I mean here it's it's 8pm and I think I really have to think about this next week. Okay. Okay, well, say what we'll assume we're going to go three hours again next week and if if for some reason we ended up stopping early. Fine, you know we can stop after five minutes and for the first hour then jump back on for the second hour and not even talk for the third hour and then we'll cancel the three hours going forward. I just punted on my following meeting because my brain is now fried. Okay. Anyway, thank you all for joining for the three hours I personally I thought this was great I love these brainstorming sessions and I do think we ended up at a much better spot. Yeah. And I'll take the action to start writing up some of the stuff either. By just updating this document or actually through PRs and stuff we'll see how I feel. But I do think we made forward progress. All right. So thank you all for joining. We'll talk again next week. Thank you. Bye everybody. You. Bye. Cheers. Bye.


How long should your videos be to help your channel grow as quickly as it can? Not my videos. I was hoping you would read it from your voice. The answer is audience retention. Let me hide myself so you can see that audience retention tells you how many of your views, in this case 10%, watch your video in this case to 10 minutes.  In my case it's 8 minutes. These two very valuable pieces of information are well hidden in YouTube analytics. It's not here guys. If you go to the analytics page you will not find audience retention anywhere. YouTube has hidden it or put it into the videos section. You have to click analytics on the video you're interested in getting audience retention for and here it is. Now you click see more and you get those same two reports. Now here is something very interesting.  See at 7 minutes and 15 seconds 12% of my audience was watching but 19% watched 7.22. Why is that? Let me show you and you should use this trick in all of your videos. In the comments put cool things in your video like this. 7 minutes and 20 seconds floating head. Let me play the clip. So in this mode you probably would see just a floating head. Quick wardrobe change complete. Here is the talking head. I am kind of black on black. Now fun fact you notice I shaved my mustache. Do I look better with the shaved mustache or with the mustache? What do you guys think? Click that I to take a poll. YouTube hasn't removed poll cards yet. So let's have one more a chance to have one more fun poll should George keep his mustache in future videos. But my point is enough people click this link because it was such a fun sounding comment who wouldn't want to see a floating head that it made a big difference in my analytics and it created a spike in my audience retention. Now audience retention is directly related to watch time. Watch time helps you get more views and recommended in YouTube search because YouTube looks at watch time not views in deciding which videos to recommend. Do you use audience retention to determine how long your videos should be? I would love to know down there in the comments below what techniques you use to help you decide how long your videos should be for your audience on your channel. In my case I decided that my videos should be 10 minutes long ish based on my audience retention data. Another good tip to help you decide when to upload your videos is in YouTube analytics under audience. Here you will see a chart of when your viewers are on YouTube to help you decide when to upload each day. So for me in the last 28 days now you can't change this if you change this to let's say 365 days the report doesn't change it's always the last 28 days. For me I have an interesting bit of data Friday I'm supposed to upload at 5 p.m. whereas on Thursday it says 6 p.m. So I'm going to try uploading this video at 5 p.m. on Friday this is my local time here in Dubai. I'm curious do you use this when your viewers are on YouTube report to help you decide when to upload your videos? Tell me down there in the comments below so we can all help each other grow together as a family because that is the spirit of freedom. And do you have any other helpful tips or advice to share about growing on YouTube? I have one more head on over to community.tm and introduce yourself we have an introduce yourself forum under the forums section and it's an active forum where you can meet many other people to collaborate with. Collaboration as you know is the fastest way to grow on YouTube and you can see there are many people here that are introducing themselves. I'm going to pick one at random I literally have not looked at this before making this video so I don't know what I'm going to get here. So we have I'm sort of new to YouTube thing and I mostly started doing gaming however I do try to post other variety contents such as vlogs and tutorials as well. Carl D with 37 subscribers let's have a look at your channel Carl. So here is Carl's channel he's one of the people who have recently introduced themselves on our forums and as you can see he is just getting started he's only got a few views per video. Let's take a look how to take a nap. Alright Carl teach me how to take a nap. Howdy and welcome to my useless tutorial on how to take a nap. Okay. Step one get comfy. I like to wear my Super Saiyan t-shirt I like to lay on Elizabeth from Jintama. He's literally teaching us how to take a nap. Alright if you like this video I'm putting a link down there in the description below just because it's such a cool concept. My point is head on over to the forums and introduce yourself. Hopefully you will get someone to pick your channel and give you a shout out like I just did to Carl and I hope you'll find other people to collaborate with in in this forum. Do you use the freedom forums? Do you post in the other areas such as reviewing your channel or getting feedback on your videos? There's a lot here for collaboration announcing your milestones and achievements and look guys we actually have like 50,000 members 54,000 to be exact so there's a lot of people here and I know many of you are struggling to get views and get discovered but instead of hoping some big youtuber not me I'm not a big youtuber gives you a shout out to give you a break just put in the work join the communities get involved in discord chat servers the link to our discord is down there in the description below you should check it out if you haven't already and find people to collaborate with because it bears repeating collaboration is the fastest way to grow on YouTube. Alright freedom family I hope you found this video helpful about how long your videos should be as I said mine or about 10 minutes is my sweet spot what's yours and who am I I am Papa George George Sunpie and that I forgot again searching for the comment for the bearded man and Mr. Super Freedom George the bearded man okay I am the CEO and founder of freedom for freedom and the freedom family where we all help each other grow together as a family so today guys I am drinking kefir anyone heard about kefir before it's fermented milk just basically like butter milk or that thick creamy milk but kefir is a specific kind of fermentation and I love it I can't get enough of it I keep buying it from my grocery store my wife is wondering if I need a new fridge for how much I buy they also come with these cool little flavors like cherry what is this morello cherry I don't know what the difference between a morello cherry is and a cherry cherry but it tastes pretty good you guys have a favorite drink you like to binge drink from time to time tell me down there in the comments below and I'd love to feature any videos of you drinking your favorite drink just send me links to those as well a little bit of a fun way to end this video I hope you agree and if there's any other videos you would like me to make make tell me down there in the comments below I'm looking for your feedback because I make these videos for you guys of course I'm gonna keep making videos even if none of you give me any suggestions but I'd love to get your suggestions because this is about engaging with you working together growing together as a family all right freedom I am George and you've been watching who you dreaming but love yeah click that I to partner with freedom and join the freedom family so we can all grow together you get many perks like position music you also get epidemic sound a lot of other access to royalty-free videos sponsorships and many things to help you grow just click the links down there in the description below to get involved in our community our forums our discord chat servers meet our graphics team meet our community team all of that on discord and the forums what are you waiting for get started and we will grow together as a family because this is the freedom family you are part of it we are all part of it and we're all growing together to get more George click that big F that will subscribe you to freedom central home of the George show and PewDiePie gave one of you freedom family a big shout out click that video to see the shout out and to see our new 3d sets for you and click that video to see what YouTube recommends you watch next


Let's talk about one and a quarter squats.  This is kind of like a Meathead lore do extra reps. So every time I do four reps. It's like I'm actually doing five, right? I Can't even take myself seriously after saying that so these squads are a good way to One Fatigue the muscle a lot because it's difficult to do that But two they work similar to tempo squats where you're doing a slower movement and You're you're learning how to keep tension on that muscle, right? So you can even kind of bounce out of this But you still have more fatigue building during this period now There's all this talk about time under tension like you want your month your muscles to be under tension You want them to be tense you want them to be contracted you want them to be working That in itself is not really that important. It's how intense is it for you to continue to do? So if I'm looking for hypertrophy, which is generally why I'm going to be doing a variation like this Just something different for you to give a shot to something to keep you a little bit more motivated or Something that's a little more novel for your brain to try out This keeps more attention for longer time, which can help you fatigue so the principle is squatting can fatigue you and that's what you're looking for if you're building muscle, but You don't have to just do normal squats You can do these these weird one and a quarter squats to and that's just a fun way to change things up. So Don't throw away old normal squats. You may not even have to do one and a quarter squats But feel free to give them a shot. I think they're kind of fun I don't really do them that often because I think normal squats are plenty But they're nice if you want to change something up


You got to be prepared for what comes after that. You don't have any more songs, or you don't have any more beats, or any music after that big TikTok viral moment, then those people are just going to move on to the next thing. So you have to be ready for that moment, and I was ready for it. I had follow-ups after, so pretty. We had records stacked up. We had other plays ready to go in the pipeline after that happens.


I think your last sentence sums it all. I think we are the most hated panel in the room now, between you and the lunch. But we'll try to make it worth for you. So thank you so much for joining us. Thank you so much all the panelists joining in today. I think we all talking about Generative AI since morning and maybe since weeks or since months. And it's surprising to know that I think it's a decadal moment for all of us. It just a little over one year since Generative AI has arrived. I think the transformation and the recall and the everything to do around it is being really impressive. I think cloud took almost 10 years to make that kind of waves and JNEI just took almost not even a year to make those kind of waves. So I think, so with that, I think in this panel, we will be talking about real use cases. How are we using Generative AI from hype to reality? I think that's one area we will touch upon. How will we bringing more relevance using responsible AI and we are creating a balance between the trust and customer trust and loyalty, conversions and optimization as what marketers say, and using Generative AI. So I would like to start with my first question and this is to do about relevance to customers and maybe I like to start with you, Kavita, is today I think we are reaching out to prospect customers through multiple channels. It's creating a lot of noise and to some level spamming as well. How do you maintain relevancy to customers, right? And how do you make sure that when we reach out to them, we reach out to them in the medium they would prefer and it's more relevant as a message. Sure, thank you for that question. So as you all would be aware, LNT Finance has a wide spectrum of products ranging from rural finance, micro loans, tractor finance as well as urban finance. So it's a really wide audience that we cater to. Also therefore, our mission is to leverage AI not just to sort of maximize reach, but also try to create, let's say customer delight, which is what is the right point in the consumer's journey that we need to sort of put our message out there. So we really look at the what, the who and the how of our campaigns. So to start with, in order to understand our consumers really well, we sort of assimilate the data on our consumers across touch points and really create those understanding of the individual preferences, try to find out which are the most effective ways to reach to the consumer, eliminate ineffective, let's say campaigns and create those tailor-made solutions for our audience. The other piece which is really important is to sort of understand the causality of consumer behavior. So we actually deep dive into understand why the consumer is behaving in a certain way and therefore target our communication in accordance to that. So a simple example would be that, let's say you have a credit score which all of us have to sort of understand the credit worthiness of our consumers. Now, let's say we know out of the search history of our consumers that all those who would have searched or found our information upon their credit score in the last three months have a higher propensity to consume alone. So therefore, using this causality of consumer behavior and then targeting creates that customer delight because they are in that journey of exploring let's say different solutions, loan solutions. And one such behavior that they exhibit is to really check on their credit score. And that's really our, let's say marker to know that if the consumer is searching their credit or is finding out about their credit score, there is a very high propensity for them to convert for alone. And that's the time that we then target our communication with the relevant messaging and all of this is obviously enabled because through AI we have assimilated the behavior of consumer across different touch points. Then of course is really the who which is using cohorts create those different personas of consumer and since I said we have a very large spectrum we have as high as 50 personas in the rural audience itself because that's the kind of behavioral pattern that each cohort really exhibits. And therefore as sharper we get in terms of defining these cohorts the better is obviously our campaign marketing. So that's really the parameters that we look at that can help to create customer delight. Yeah, no thanks. Thanks Kabita, I think this is interesting because you touched upon a very important point about reaching customers at scale relevance and you touched upon interacting with them in the dialects that they understand. I think India is a very diverse country, multiple dialects, literacy levels are very, very different. So I think you touched upon those areas. Hector, I think in the financial services space Tata Capital again you engage with customers with all spectrums, different demographic profiles. How do you see the reaching out to them with relevance? So I mean whatever Kabita spoke is quite frankly absolutely exactly applicable to Tata Capital also because we have all sorts of retail products, corporate products, we have an investment product. So I think what AI allows you to do is of course scale because there are lots of personas that you can work on like Kabita was saying and of course the Tata which you are reaching out I would not actually, let me take it back, not that the nimbleness with which you are replying is obviously comes from JNAI. And but we were discussing when we met with it that I think relevance is really, really underrated. Okay, when I say that I mean that even today Google is gonna crawl your content, for example, on relevancy. It's yes, you need to have enough keywords but in that I'm really oversimplifying here but what I mean to say is that if you implement JNAI and if you are able to generate 200 blocks instead of 100 doesn't mean you generate 200 blocks. The idea is to still generate 100 blocks with relevancy at the core of it. So I'm saying it does provide a lot of scale, does provide a lot of improvement on how soon we can solution things for our customers and definitely it does bring in a lot of relevancy not in all aspects, not in everything because it is largely prompt driven to a great extent but I think it provides us another world altogether compared to what we were in maybe a year ago. Well, thanks, thanks Hector. So moving on to I think the three panelists we have is from Life Insurance. I think one of the most toughest product to sell and you realize the value when you're no more. But interestingly, I would like to hear from you with Anjali that in the current scheme of things like when you reach out to customers and we heard, Kavita, we heard Hector from a relevancy standpoint making it more relevant across different channels. How do you simplify the message? How do you personalize the message and deliver at scale using Generative AI, right? And also make them understand, right, that okay and engage with them at scale because most of the interactions by the customers genuinely happens in my view at the claim processing level not at the sales level, right? So how do you bring that balance together? There are two areas that I'd like to touch upon. Of course the category is extremely complex as we all know, right? The products, the fact that we haven't even been able to scale our online marketing efforts is because of the fact that the customer needs even today a human interface to engage and converse to understand what is it that we have to offer and how is it that we can help them in their financial goals. Jenny I of course helps simplify that part because at scale it simply breaks down what is it that the customer can gain if his capacity is X versus another capacity, person's capacity is Y, right? Everybody's desires are different, life stages are different, input output of the household is different so it just breaks it down to that level. The other thing and I can speak for the entire category and my fellow panelists also here, we are a category that is plagued with a lot of misinformation. It's already complex and people take advantage of the fact because yes, it's not still a pull product, it's a push product. With this there is seamlessness of offerings, there is seamlessness of the communication that we have and the numbers specifically, which I think Jenny I is going to play a much larger role to bring ethics into the category. It is of course doing exactly what my fellow panelists Hector and Kavita also mentioned it's going to help us market years in prospecting and customer experience, but I think on a much bigger level it is going to help us perhaps in many ways build trust into the category. Yeah, yeah, well said Gita Anjali. I think this brings me one point of view. Most of the marketers out here in the room, I think we struggle to have the integration of generative AI with our legacy systems, right? How do we make sure that we bring the journeys together? Customer doesn't care whether you're reaching out to him at an acquisition level or at a service level. So Irem would you like to touch upon that? How do you resolving that entire conundrum about? Yeah, thanks Oded. So let's take a step back, right? Let us first understand what is AI going to do for the customers. We are talking from a perspective of marketers, which is obviously what we're talking about, but what does the customer expect? And the customer always expects that you are on time and personalized. So we speak about hyper-personalization, right? How is AI going to help me hyper-personalize my message and end to the lady who's my prospect? That is the key question. And I think everybody will here agree that AI is giving you unlimited scope of reaching your customers. First of all, it's three things, right? AI does three things. One, the amount of data with which we are grappling is humongous in all organizations. First and foremost, we must understand, and that's what we did in AG's federal life insurance. We used AI to first of all segregate and segment our customers, okay? I know my customers age, geography, where she's coming from, whether she's a mother or not. But I also know through various interactions how many times she has complained to me, how many times she has raised a ticket. What was the complaint? Was the complaint resolved or not? Was it resolved in time? What are the behaviors? I'm tracking her online behavior. AI helps me to segment her and compartmentalize customers like her into segments. Then what AI helps us to do is targeted communication. Marketing is all about communication. AI as a tool is helping us at AG's federal to target segment-wise communication. And so today, when I'm sending an online letter to my customers, at least 70, 17, 18 types of communications go to the same segments. So that's what AI is helping us to do. And the last bit, which is marketing and streamlining your campaigns. As marketers, we have always grappled with this notion that okay, I'll hire a media agency. I'll hire a creative agency to take care of my marketing needs. Yes, that is essential because they're the ones, they're the experts in their domains. But together with them, we have to keep this AI integration through various APIs to understanding of what is emerging in the market and make use of the AI possibilities to reach out to my customer with the right type of messaging. And that's what we're doing. So I think what we're doing, these three are the main functionalities and pros of AI, which everybody should utilize. I think brilliant. I think well said, Irem, it feels like marketing is less of a marketing job, but of an information officer now, right? Or a technology officer for that matter. I wish I, with that point, I want to touch upon, do you see any kind of challenges in terms of accepting AI internally in the organization or externally? How customers are reacting? How internally the teams are reacting? Do you see any kind of challenges from the AI standpoint? So coming last in the panel, especially when third in the life insurance category within the same panel, so I will not have too much to add over here. But the couple of challenges, first of all, I see. First of all, we need to make people understand what AI is. Exactly. We all keep on talking about AI, AI, AI. I don't think we all understand, even I will not understand, hand on hand, even I will not understand what exactly is AI, what does it do? What does it do, which was not being done earlier? So, subsequently finding acceptability, AI sounds very sexy to talk about, very good to talk about, but at the core what does AI do is very difficult to explain and that is the challenge that we find, that this is what AI does for you. The second part, the challenge that I see, I briefly touched upon very briefly in the last panel, but I'll probably talk a little more about that is, you know, one part in this, we on the screen saying one of the parts, the customer centricity, that's the key word over here. Unfortunately in our industry, and it's a little controversial statement, customer means and consumers, unfortunately, and I'm using the word unfortunately, because, and Gitanjali touched upon this, that bulk of the sale, 90, and I'm giving an industry figure, 92% of sales in this industry happens when there is an intermediary in between, that intermediary could be a life insurance agent, that could be a bank RM, in your case most of the time it'll be a bank RM, it could be a RM of a corporate agent, it could be a direct employee of yours, but there's always somebody between the insurer as an organization and the customer. And this interview, I will call this person a distributor for everybody's ease of understand. We all talk about customer centricity, customer centricity, think of a situation where the product that you're selling is complex, product that you're selling nobody wants to buy, nobody. In this room, nobody will get up in the morning and say, today I want to buy life insurance, nobody. So product is complex, you don't want to buy it, and third, which is the industry doing is, we have missold in past. As an industry, we have missold in past. And now thankfully, because of an extremely strong vigilant regulator, plus a lot of soul searching by the companies, misselling is very down to minimum, it still exists, but it's fairly low. So complexity, less trust and people don't want to buy. You combine these three and you have a product which is extremely difficult to sell. So therefore the person who's selling becomes so important to us. Unfortunately, customer centricity may, is person ka koi bhi, nobody thinks about this person. So the need for the AI, need for the new technologies, also that when you're developing this, when you're talking about this, think of this person as well. And I'm very specific to life insurance industry. So therefore, so what do we do about it? So we actually do, I would actually again, a little more controversial statement. We do more initiatives for JNAI towards the distributed side, rather than the consumer side. Because number one, it's more captive audience for me. So I can explain to them what I'm trying to do. Second is I can get them to experiment a lot because it is also an experiment. And third is we are learning. We do not know what this can do, what this cannot do, in which direction can it go. So because of the captive audience, I can do a lot of controlled experiments which we try to do with JNAI. And so therefore, a bulk of our focus is actually towards the distributed side. How can I create content for them which can at scale, at vernacular, you talked about vernacularization, Kavita talked about vernacularization. So how can I create content for them which they can reach out to customers? How I can help them to personalize their content for their customers. So that they can personalize it and then offer it to our customers. So a lot of work goes on that, or more towards that and less towards consumers. I think well said. And you brought a lot of reality. In fact, while I was listening to you, one of the use case comes into my mind is, I think there is a lot of fine print and the insurance policy or document goes through. I'm not sure any of you have actually read through a policy document. At least I haven't at any point in time. And even if I've tried to, I've never understood it. So using AI to really answer a query from that small LLM, I think one of the interesting research, not a research, but a use case, maybe an insurance industry is going through, actually create a micro LLM out there for policies that as a consumer, I can actually query and ask whatever I want to and I get an answer which is very fair and transparent, right? Sometimes you really don't understand what is the causation that would happen. Yes, Hiram, please. Yeah, so I'd like to, and very well said, I wish I, and in fact, he mentioned whatever the points he mentioned are true for most probably at some point or the other for all organizations. What I'd like to bring the discussion back to is the fact, what are we going to do as Abhishek also pointed out? What are we going to do with AI now at our disposal? Now I'll give you a use case from our company, Agis Federal. I don't know whether you guys know it, but our brand ambassador is Mr. Sachin Tendulkar, right? And he doesn't need any introduction. He's a Bharatsratan, God of cricket. What we did with AI and Sachin Tendulkar, eight month back, as you rightly pointed, nobody, once the premium of an insurance policy is paid, first of all, nobody understands the policy, then the biggest challenge which we all face is at the time of renewal in the next year, nobody either remembers to renew the policy or they are reluctant to renew the policy. What we did was we used generative AI, used Sachin Tendulkar, shot a small clip, where in Sachin Tendulkar is saying, so suppose if I'm the policy holder, Erum Kidwai gets a personalized WhatsApp message where Sachin is saying, hey, Erum Kidwai, thank you very much for being a customer of Agis Federal. And then he goes on to explain the benefits of renewal, timely renewal. Now just imagine, and when we conceptualized this concept, it was a novel idea. Sachin himself liked it a lot. Our CEO supported us full-fledgedly. Believe you me, we wanted this to be an initiative to increase our renewals, right? For more and more people to come and prepare renewals in time. It become, these videos went on to become viral videos because just imagine you're getting a message, Sachin is calling you by name and then telling you the benefits of paying renewal in time, right?  So this is one use case which you can take up. We were the first ones to do, again, we were the first ones, at least in the BFSI segment in India, to use AI two and a half years back because we realized the potential that AI is one tool that will be able to flip your business to the positive side and take advantage of the technology rather than just wait for somebody else to take decisions and then copy it. So I think like the technology industry and like AI, it will now serve corporates to be proactive and innovative. You need to take that leap. And for that leap, as he rightly said, first of all, you need to understand what are the possibilities? Just by talking about them won't help, right? So I think that that's something which needs to be the norm of the day. Yeah, please. RM, you should share that video with me because a much younger cricketer who's our brand ambassador is hesitant to get on the generative AI bandwagon. So yeah. But in this whole mesh of like, as a marketer, we care about optimization. We care about conversions. But at the same time, we also care about, you know, not losing the customer, especially in the category that you belong, right? Also in the financial services space where you actually have the micro lending, right? And also you want to create maybe a term called brand loyalty, which perhaps don't exist so much now in these days in the age of AI and being so standardized thing. Where do you see the balance? Maybe any one of you, like Pitanj, do you want to add up and maybe Kapita then you can add up? Sure. So obviously, like I said previously, AI significantly helps us to drive brand loyalty. And one good use case for us is really, you know, improving, let's say the conversions amongst the first time loan applicants. Now, if you know a large part of India or Indians still don't have, let's say a credit score. And if I ask around this room as well, how many of you are aware of or have, you know, understanding of your credit score, you know, that is significantly solved by the use of AI. Because, you know, in the past, we would have a lot of first time loan applicants as high as 50% being rejected, you know, for their loan applicant application because of over emphasis on the credit history or lack of a credit score. Now, that's where AI has helped significantly because with the use of AI, we're able to solve this problem through predictive analysis, you know, through tracking the digital footprints of our consumers. And also to do what I say a good amount of segmentation.  Now, all of this helps you to assess, you know, the credit worthiness of an individual on a real time basis. In any typical scenario, let's say this person's loan would have been rejected, but all thanks to AI and the recent credit behavior, you know, you are able to therefore improve the probability of, you know, offering a loan. So I think that opens up a very large opportunity to really tap into the first time loan applicants who would have otherwise been rejected, but all thanks to AI, you know, there's a lot of credit worthiness that we can actually track on a real time basis. Yeah, thanks. So you mentioned about brand loyalty, Udit. I think it opens a different Pandora box because the spectrum is extremely wide, I mean, from deodorant to banking, right? The brand loyalty differs extremely in each of these categories. So I don't think it's always brand loyalty which is a challenge, especially in financial services because you stick to your RM and you have certain relationship and faith where you're giving your money to someone to invest and at the same time taking money and the ease of it, et cetera. So the parameters and the dynamics are extremely different. What I definitely think that organizations need to look within themselves, build a culture of upskilling themselves, creating a lot of understanding of it because in reality, our infosex still does not allow a lot of us to have open network and even have chat GPT and JNAI tools on our respective machines because there's a lot of unknown, as a lot of us also spoke about, that the areas that we do not know from an ethics standpoint, from a compliance standpoint, from a regulatory standpoint. So we ourselves need to, and I think it's a concern globally, otherwise we would have educated ourselves more but then again, we need to be more open. Even as organizations to understand the areas, it can impact whether it is analytics or it's customer service or it is campaigns. It has, it's a tool that is going to enable like calculators and fasten or go to market strategies in every sense. So education within the organization is extremely critical and it has to be top down driven. It has to be a conversation that is beyond just the marketing function and in permeate into every department of the organization. So I'm glad you touched upon it. I think that's one of the big internal challenges, right? When you actually embrace AI within the organizations. So having talk about AI and having to use AI and having to implement AI internally, I think there are three different things and you spoke about actually implementing AI, building that infrastructure and acceptability from various things. And I think this is bringing me to another question about responsible AI, right? I think we are all using, you all are into the regulated part, regulated businesses. So like Hector, we want to start with you. How do you see this whole space of responsible AI? Like for example, voice parts, I'm hearing about voice cloning for that matter, right? I'm hearing about many other instances about where AI could be not used very responsibly. DPDP bill here in India released, we are moving towards the GDPR era. So how do you see this whole balance between privacy and trust? So I think coming from what Abhishek spoke earlier, see we firstly need to choose as organizations what seems to be the use cases that we want to solve immediately through AI, right? And what seems like sort of a black hole probably needs to, you know, we need to wait it out. You know, till we have a certain confidence in that system. Secondly, see we were discussing this earlier also, I think use cases, there are a plethora of them. I don't think there is any scarcity of that. You can use it on, you know, for your online reputation management. You can use it on your web search tool. You can use it on your chat board.  In fact, adding to what Abhishek was saying earlier, we've actually implemented it even for our credit managers. You know, it's underway, it's not implemented yet, but you know, which will reduce, this is on the corporate side, corporate lending, which will reduce the time taken for credit assessment dramatically. But again, right now it is within the realm of the information that is fed to JNAI, right? So therefore there is confidence that there is no question of any misuse. Having said that, we have to wait it out. I mean, I don't think everything has to be implemented immediately. Although we are excited, we are exploring all possibilities, voice to text, the other way around.  Yeah, because this is a very interesting part, right? Coming from a regulated industry, it's not easy to implement everything, perhaps what could be easy for other industries, right? And with the AI regulation bill coming up in India, right? Abhishek, would you like to add something, like how will it really touch upon specifically customer interactions in the VFSI space? Yeah, so coming back to customer centricity, for a life insurance business, the ultimate measure of customer centricity that is very easy to understand by external people is a claim settlement ratio. You know, most of the time, many times, one of the deciding factors for people while choosing an insurance is the claim settlement ratio. So very broadly, if I see what is claim settlement ratio, number of claims that I have received versus number of claims that I have settled. Other claim settlement ratio is lower. Normal, the perception is that this probably company is rejecting a lot of claims. That is the perception. Now, how is AI helping in this? And let me give you an example. To answer that question, you have to first ask a question, why does a claim glare at reject? Correct. Does the insurance company really don't want to pay claims? No. All insurance companies, all insurance company wants to pay claims because that is the moment of truth. That is the reason why we are in business because when customer has decided to take a policy from us, customer has given the money, I have given only a piece of paper to the customer, which is a promise, which is that if you are not there, I am going to take care of the financial needs of your family. That's the promise. And therefore, all insurance companies wants to pay. Why does a claim get rejected? Claim gets rejected most of the time, only in a scenario when the customer, or without the knowledge of the customer, or the distributor, has filled in something in the application form, which is not true. And most of the time, these wrong information is non-disclosures. Non-disclosures regarding health, non-disclosures regarding other financial products that you have anything, but non-disclosure. So that means if I have an incoming policy which is a non-disclosure, when the time for claim comes, and if it is within three years, after three years you can't reject a claim, that's the law. Within three years, an insurance company can reject a claim. If a wrong policy has come in, and by the time the claim comes, and it is within three years, I as an insurance company will investigate. And if it was non-disclosure, I will have no other option but to reject it, indirectly impacting my claim settlement ratio, indirectly impacting my customer's entity. So how does I help in this? We have models running, that whenever a case comes in, I have my models running, these models have been perfected over a period of time. That depending on the parameters, I know that this cohort looks risky. Although I've agreed to underwrite this policy, but this cohort looks risky. So what we do, and in my previous panel I talked about that human connection, we then look at these cases case by case, and try to do a prior investigation so that a wrong policy does not enter. Wrong policy does not enter. What is my main motive? My main motive is only so that my claim settlement ratio earlier, later, could not get impacted, should not get impacted. As we say, garbage in, garbage out, that will happen, if you do not have these checks and balances in place. AI is a wonderful use case in this, wonderful use case. In fact, what we have done is, the successful model which has been for us, and we have been running it for close to two years now, it's so perfect, now it's close to, it works on a close to 90, 95% accuracy right now. If that model has thrown up a case, it is quite sure that this case might be something problem with that. What has that done? Obviously, there's a financial implication and it has done wonders for that. What it has done is, it has improved the acceptability of AI within the organization. So now we have teams coming up that I have this problem, can AI help me solve this problem? And a good part of a solution is always defining the problem. Classic days, when market research used to be really, really followed very rigorously, if you have defined the research objective very clearly, you will get a good output. If you have not defined, you will never get a good output. Similarly, is case with the AI. As long as you have been able to define your problem correctly, you will have a tool, you will have a model, you will have a working thesis which will come and give you a solution. Spend some time in defining the problem.  Good, thanks Abhishek. Just a related question around Iram maybe or Gitanjali, anybody you can contribute. Abhishek, you talked about how AI is creating differentiation within the company, reaching out to the customers, creating more speed of execution, right? How is it, customers are accepting that, right? How is customer accepting to react with AI for that matter? We are all talking about the age of humanoids where humans and bots will come together. I hear about things like digital agents and everything. So how is customer acceptance coming in and there, and do you see a shift out there maybe and any light on that? Very valid question or that. So I'll split it into two parts, right? First is customer expectation, which I touched upon briefly in my opening statement. What does the customer expect from you today? My 13-year-old son, and I'll give you a very short story, eight months back, my 13-year-old son came to me, said, Papa, I've got a video to show you. I said, fine, show it to me. We are both football freaks, so I thought it would show me a football video. He showed it to me and there I was. I was, it was me, myself, speaking and saying that I should allow my son and my daughter more recreation time and not force them to study, right?  And it was a funny thing we all laughed, but you come to think of it, a 13-year-old person can do this to you free of cost. Now go back to his psyche. People, our customers, forget about 13-year-old, they are future customers. What will a 20, a 25-year-old, a 35-year-old, or even a 45-year-old intelligent customer expect from your brand? Will they not expect that you should have all touch points covered as a corporate, as a company? Forget about the industry also. That is the least expectation. When internet came into existence, after three years or four years, do you think that businesses anywhere across the world expected you to liars with them through letters or inland notes? No, they expected you to email them, right? That's the same expectation the customers will hold. I mean, needless to say, you don't need to think about that expectation. It has already, she has already started expecting you to use these new mechanisms and technological advancements to touch base with her, your customer. Now coming on to the second part. We always say hyper-personalization, right? AI and tools like ML, deep ML, deep learning, and algorithms-based models give you an opportunity to hyper-personalize because once you use AI mechanisms and you have API integrations with your in-built, in-house capabilities, what you'll do is you'll segment them, you'll give them target communication, you'll use their own data to reach out to them in a better manner and explain to them what they need to know from your services, from your offerings. So I think that is how we should, as corporates, look at it, and certainly as marketers because it's making my job easier and my team's job easier. I have more time to think and strategize rather than run around agencies and do the legwork. So I think that's the biggest advantage and we should exploit AI. Yeah, no, thanks. Gitaanji, would you like to add how Gen-Z is reacting to these AI-led interactions? I'll probably paraphrase what in fact Erem also mentioned. We're asking this question two years too late. We're in the world of Netflix and Amazon as consumers ourselves. We ourselves are extremely used to hyper-personalization. So I won't say consumers are reacting. I think they might be thinking in their heads that, hey, it's finally come to this category as well. So because clearly, I mean, we should have done this two years ago when it was still a big talk of the town when Cadbury launched the campaign which eventually got them cunts, which was two years ago. So it is not new, the subject is not new anymore. As organizations, we are late at certain categories. We are not only late, we are still very scared. And I think every passing day, we are becoming stale in this conversation and not being right in helping our businesses or the customer or the distributor in expediting the speed to go to market. COVID changed many things for us, right? We're talking of a generation that's, and many of us here are accomplice where we spend hours in doom-scrolling. And the algorithms there are also using the same tools as us, right? So we need content on the fly. I mean, there were times that organizations used to produce two to three films a year. That also is the largest number. Right now, that has come down to two to three films a week. And we have to account for time, we have to account for smartness using such platforms, we have to account for budgets. And yes, there will be agencies which will also have to help us and support us in this ecosystem because I will never have the kind of budget to produce this much content in a year, right? So we all will have to be extremely smart to play catch-up, to give the consumer what he needs and what he's been used to because the consumer doesn't care whether you're insurance or you're Amazon. I need the same experience from everybody that I'm engaging with. Yeah, no, thanks. I think we're just coming to the end. Before we conclude, I just want to ask, and this is kind of a one answer, like a rapid-fire kind of a thing, maybe, any generative AI or forget about generative AI, any AI tool that you're currently using to engage with customers or which is market-facing, which is not internal-facing, right? To improve the speed of execution, speed of response to customers or building more engagement with stickiness with the customers. Anything, any one tool that you must be using, Kavita? I think clearly in this age of video and image, all the newer technologies that are emerging there, so especially analyzing the video interactions where we do a lot of video KYC or video PDs, et cetera, with our consumers. And at that touch point, how is it that we can assimilate a lot more understanding about the ecosystem of our users? What habitat are they in? What would possibly be their lifestyle? And therefore, sharpen our, let's say, targeting to that user base just via that one interaction. So get a lot more out of that interaction to sharply target. Is one tool that we would use increasingly? We would use increasingly. So I think, like I said before, in possibly everything, I mean, all projects have not come to fruition, but everything, like from integrating JNAI on our ORM tool to doing that for our call center, to doing that, I gave you the example of credit managers very soon getting access to something which will turn their cycle of generating that report from probably one or two days to just 15 minutes, right? And doesn't mean his job is over, but the fact that he or she can rely on that to kind of look at that report within 15 minutes is going to give him or her so much more time to evaluate better rather than always there being a gun on their head to pass on cases quickly, right? So apart that email automation is obviously something for service that we've already implemented. Chatbot automation is already implemented. So I think lots of cases, but in images and videos, I personally feel that there is still some bit of lack of clarity in terms of who's responsibility it is and as far as copyright infringement is concerned. So we are using, but we are using with caution because we consulted legal as well as multiple tools and all of them had the same kind of commitment which is that you can, it's your right to use, but it does not specifically remove copyright infringement from the conversation. So which is why we are using, but with caution. Got it, got it. So in fact, I think it's a parallel of the category. Data security is extremely critical for us, both for ethical reasons and compliance reasons, right? We do not use anything that is available in the open internet. We have very strong NDAs with certain agencies where data is passed through APIs and not really punched into a chat box on open internet. So there are certain agencies. Where extremely robust IT integration has taken place to pass that data. Sure. So we've been using obviously AI chatbots and even email chatbots and stuff like that. We are very soon going to introduce something which is called, you know, media assist which is instead of going and giving your blood sample, we'll be just taking a video, a small video of two minutes and the AI video will throw up possibilities of certain diseases. And that will most probably help us to underwrite the policy in a much better manner and much faster manner. But having said that, we are very, very conscious about the fact, as Gitanjali pointed out, cyber security is at the epitome when it comes to decision making at our organization at Agus Federal. We do not want to compromise on anything which has got to do with the personal space of my customer. And that is going to be always the priority. And I mean, as a marketer, we did it two years back and very soon, I think next week, we're releasing a small, our mainline ad campaign with Sachin where you're gonna see Sachin Tendulkar who's a five-year-old, an eight-year-old, a 10-year-old, a 16-year-old when he made the debut at Lahore. And it's AI generated? No, I can't, that was the storyline but you'll get to see it soon. So, yes, using AI, but very, very responsibly is the key and mantra at Agus Federal. Nice, nice. Normal, as I said, as my fellow participants have said, data, privacy and security is very important, especially we come from a highly regulated industry, highly regulated. Within those boundaries, things like externally available or centrally available like EK, YCC, KYC, video verifications of customers, chatbots, whatever is available right now, we try to use all of them. Some we are successful, some we are not, but it's always a journey. You know, one of the interesting things happened. I asked the panel, give me one tool, right? And I was patiently listening. None of you actually mentioned one tool and this is very interesting. It's actually cannot be one tool. It's a combination of tools, right? And each one of you actually spoke about combination of things to solve a problem, right? And one of the interesting things that came out to me as a takeaway that each one of you is so concerned about the problem that you want to solve doesn't mean that you have to have a stack of AI to do it, right? And very focused on the responsible AI as well. My takeaway from this panel is like AI everywhere, you really can't escape, right? You're using AI for the ease of business and ease of customer doing business with you. And actually it feels like the future of customer and the future of customer conversation is like you engage with the customer with the context, right? So unless you have a context which is completely proper and AI derives in terms of segmentation, in terms of preferences, in terms of dialects, AI just helps you reach out in the right context. So thank you so much.


fewg. Gweithio'n fawr, rhaid i'ncenteru ychydig. Felly dyna'r gweld cawl o'n gyffredin, y gweld ddwybod o'n gwisio o'n gof. Nifer o'r bobl. Wel, zi wnaeth fawr o'n gwisio o'r gweld ddwybod o'n gwisio. Dw i'n gwisio'n gwisio o'n gwisio i'n gof. Felly'r oedwyno'n gwisio i ddwybod o'i gof wasio o'n gwisio. Mae'r mwy ffERSIONS, ydw i'n gwisio ILS. mae'r iawn yn y ddechrau drafodol. Dwi'n credu yma'r product yma. Dwi'n credu'r ddwylo'r ddwylo? Ok, ac mae'n grannu i ddwylo'n ddwylo. Ddiogel'i gilydd hwnnw'n gwneud, mae'n gwneud i gallfodol. Mae'n gwneud i gael, mae'n gwneud i gael. A ph datblygu'n hoffi'n ddwylo'n ddwylo'n ddwylo'n ddwylo'n ddwylo. Felly, o ddysgrifio'n gyrfa, bobl cofnodd yn ysgrifio, gan yw'r rhan o'r chyfnod. Felly, mae gennym ein ffordd o gyflawn i'r pryd yn fawr, a fyddwn ni'n gwneud o'r gweithio rhai wneud yn rhan o'r bethau a'r bwysig. Felly, os ydych chi'n gofyn i'w gofyn, rwy'n gweithio'n gyfrannu o'r rhan o'r cyflwyngau yn y pethau, cyhoeddwn ni'n gweithio'n gweithio'n gweithio gennym, gyda'n gweithio'n gweithio i'r a rydyn ni'n gweithio y gallwn gwneud o gweithio. Ac yn y fideo syniadau sy'n gweithio'n ei bod yn ystod y nodi cael ei wneud o wybod y dyfeidl Cobra a'r rhaid i'r bydd ddayl yn ei dweud. Rwy'n meddwl yma, yw eich cyflymiais gyda'r pethau yma, yn y gyflymiais ymlae solutions, rwy'n meddwl yna yn yw maithio yma a'r rhaid i'n meddwl. A dyna ydych chi'n rhoi — gallwch chi yn ddesiwn yma eich rhaid i ei wneud yma ac wedi sicr o'r setel. The number on-screen right now is my average spin number with this driver in hand. Yeah, average spin number. In fact right across the board there's some numbers that are actually lower than that in terms of spin. But the odd thing is I've never seen that in terms of performance. So what you're next going to see is my average launch angle with this driver in hand. As for me, when I get a low spinning drive what often happens and where I have real problems with it is wanting getting it to a decent airborne in terms of a decent launch, and then it just nose dives out of the air, and they get no kind of carry. And this doesn't do that at all, I'm completely baffled by it, so we've got a high launch in port, sometimes almost too high in the launch. Rwy'n gynllun yma y cyhoedd g kotwch yn gennym ar y dod o Grwyl cafwyr, ond rai'n ganwch y gwir wedi bod y gwir yn maes ddeiniddiad.... Wrth gwrs mewn gwerthwch sy'n gwir arall yn gyfyrddai. Rydym yn rhoi'n gyntafol o Hywyddoedd, rydym yn rhoi roi'n cefn o Rwys i'r gwir. Rwy'n gwir o roi'n cynyddu o gwir yn maes ddeiniddiad... Mae'r adeiladau yn defnyddio'r lle. Mae eisiau yng Nghymru o'r rai rydyn ni. yng Nghymru ond. Fy enw'n dyn amu. Fy ydym ni'n gwneud i bwysig cymdeithas am y cwysig. Ac y gũtaeth yn unig i'r rhain o bwysig i chi'n dweud i'w rhain o bwysig i chi'ch byddad Temple ac mae'r rhain o bethy ble yn ôl y ffyrrau a chwylgaf ar gyfer iddo. Mae'n gwerthio i'r ei dweud i gwyllwyr gy nghymrwydd a chyflos. Alw'r hoffa, rydyn ni'n gweld ei hun o'r dweud o ychydig yn y cobra o'r ddraifers yn ddod o'r past. Y rhaid i ni'n rhai a'r rhain yn fydd o'r bobl arno. Ond oedd y ddweud yma yn ystod o'r bwysig o'r cyffredin yn oed yn meddwl nid. Mae yna i'n gwneud yn ystod o'r ddraifers o'r bwysig. Ond mae'n ystod o'r adrôn o'r ddraifers o'r ddod o'r ddod o'r y bwysig. One of the best drivers out there right now in terms of A framing the ball and just looking damn good when it's sat behind it. It's that basics again. It's almost very much rogue esk. It's very difficult to separate it from the two. They use the same colour schemes but whatever they've done, it looks really really good. And it's it's the profile of the driver itself. It's just really nice to address. a gennych yn ysgrifiaeth rai cyfnod i susiol. A'r cwmhagau yn ysgrifiaeth, ac yn ystod, y gallwn gallwn rai'n gwybod o'r rai cyfnod wahanol, ond mae'n gwybod o'r rai cyfnod i'r cyfnod yn gyflwyno. Mae'n gwybod i'r gwaith o'r dystyn sy'n gweithio'r cyfnod yn ysgrifiaethau o'r cyfrwyr, mae'r cyfrwyr yn ysgrifiaeth o'r cyfrwyr yn ysgrifiaeth o'r cyfrwyr o'r cyfrwyr o'r cyfrwyr. Mae'n nebyg y bydd o ran o'r hanfer o'n ohol, fel o hanfer o'r bêl am yr oedol, ond yn gyda'uogaith o'r 230 ychydig, y pennyddai'r pwysig amaeth, oherwydd mae'n effortod ar y pennydd iawn, yn ymlaen o'r adeiladau o'r ffordd o gyllidio. Mae'n edrych wedi bod yn teimlad, ond hefyd mae'n unrhyw yn gweld lle o'r pwysig amaeth yna. Felly mae'n ymlaen o... Mae hyn i'n arddangos, rwy'n byw o'i gwdaeth e'n nhw. Mae'r prysgwyl ei angen i'r cymdeithas yn cyfath i'r Tychραffydd Cobra i'r Tychraffydd Cobra ac yn oes fel y cyffath i'r cyffath, ac yn ymweld sy'n gweithio'n gyffath yr hyn, ac yn cyffath i'r cyffath i'r Cyffath. Dyna fi'n dweud â'r cyffath sydd arall o'n cyffath i'r cyffath i'r cyffath, ac mae'n ddiddordebolaeth, drwy'r 3-4-9, oedd mae'n cyffath i'r cyffath i'r cyffath, Steel on March if you like on their competitors and always give you an extra reason to go down the path of Cobra. Will that make or affect your judgement this time round and what are your thoughts on that £399 price tag? Interest in move, that one for me. Now there's three different models, we've got the LS which is Low Spin, Low Launch, Medium Forgiveness. We've got the X model which is Low Spin, Medium Launch, High Forgiveness and the model that I was drawn to straight away, the max product I always am which is Low to Mid Spin, High Launch, Extreme Forgiveness. Extreme Forgiveness, yes, High Launch, yes, Low to Mid Spin, well I'm certainly finding a very low spin right now. Let's see if we can find out a little bit more about why that's happening and what separates these three driver heads. Well I suppose it's self-explanatory but the three heads differ based on where the weight is placed within that head and what they're looking for in terms of performance. When I start off with the X model and as you can see right at the very back there you've got 10g worth of weight. Pretty much a standard thing that we've seen in a lot of drivers. There's also a lot of weight being placed right at the very fore funds of each of the three drivers as well. But then it changes up significantly in the LS model and the weight is moved from the front to the back rather. It's very much in front and we always again see that for the Low Spin in driver. You want that weight almost directly behind where the impact location and then the max product that I was referring to when you've got a draw bias driver and weight at the back. Obviously interchangeable as well and you can very much change the draw bias weighting to alter an effect, further effect that draw bias if you like. So fully understand how the three heads differ like I said but I still don't understand is why the spin is so low and is that dangerous or not? Right so as I said earlier I want to hit some balls with the identical shaft in exactly the same loft it's ten and a half degrees it's the Callaway head. They do look very very similar at address this is the max product I'll be using from Callaway and that's a decent ball. There has been a huge difference in that spin number so again what it shows for me is this I'll put the average spin number that I've collected in terms of the Callaway road drive the max product and I think around 3000 revs has been the average number so that's a considerable difference between that and that of the Cobra driver. And all I really wanted to demonstrate I'm not suggesting one is better than the other and again finding your optimum number in terms of all those spin and launch criteria. That's key for you as an individual but anyone that suggests that every driver is equal I think if we've seen their same shaft same loft of head obviously the set up within those in terms of the weighting structure within them driver pay a considerable difference to the end result and how the ball gets from A to B. One with 3000 revs of spin on average the other not even breaking 2000. Yeah again another ball just if you can see the my eye line it's looking directly up into the sky. This battles me could be like I said the ultimate combination because my issue has always been with a couple of drivers low spin drivers that I've tested in the past. My issue has been been able to launch the ball because I don't have a great club head speed and therefore the ball just falls out of the sky and that becomes a major problem because no carry on the ball whatsoever. That's not happening with this driver in hand so it's still high launching. I'm still getting the same carry distance keeping spin incredibly low which means if you look at total distances it's running out arguably for miles if you're on the finding the fairway that is of course. So I am still baffled as to how this combination has been put together by Cobra but ultimately that's exactly what I have found. I've not even tried into the other drivers as yet because to me from a forgiveness perspective this is the model that majority of average golfers would go to. It feels really good, it looks really good and those combination of numbers that I've just suggested mean that it is a major player. Interesting thing for me this year is Baldur's On annoys me, baffles me, surprise, that's the price point. Cobra did so well with bringing their product in at 349, they were a good chunk underneath those market leaders they were up against. They've chosen to put this one in at 399 so again it now brings it much more in line with its competition but arguably it is performing right up there with the sort of stealth with the rogue. I think it looks superb, I mean they've really got a decent driver on their hands. I'm late to the party on this one and I've seen reviews that have suggested this is a decent major player and I would have to agree that is certainly the case whereas for me I've been put off by certain little things about Cobra drivers in the past, not this time around. I'm going to leave it at that, it's short and sweet, you've seen my numbers they have done the same as what I would normally achieve with drivers in terms of carry launch but the spin number very very low with that ball is still getting airborne. If we're finding fairways arguably this thing would run on for absolute miles, it could be a big one. Anyway, as ever, thank you for watching, I'm going to hit a few more balls cos I am still would like to see if we can make any difference that spin number. I'm not sure why, it's just you know when you're told that the optimum number is around 2,000 revs and you don't sort of hit that number, you sometimes question it. Anyway, last one. The one thing I've done is found the middle as well. Wow, it's an interesting product I'll say that much. Right, I'm off, see you soon. Thank you.


Freshman Democratic Representative Ilhan Omar unequivocally apologized Monday for tweets suggesting that members of Congress support Israel because they are paid to do so, which drew bipartisan criticism and a rebuke from House Speaker Nancy Pelosi. Omar said she had no intention of offending anyone, including Jewish Americans. The Minnesota Democrat said in part, quote, anti-Semitism is real and I am grateful for Jewish allies and colleagues who are educating me on the painful history of anti-Semitic tropes. My intention is never to offend my constituents or Jewish Americans as a whole. Omar is a Somali American and one of the first two Muslim women elected to Congress.


So ducked yes, I wasn't able to personally finish out the second bell But I saw some other people doing that as well. Did you get their results? unfortunately not Perhaps some of them I mean, there was a big confrontation shortly after so maybe that distracted them. Yes, I guess I'll have to go look Yeah I Really excited about something Here is taking a little vacation right now. Did you want to speak to him? Sure. What's he taking a vacation from to? Work, you know Joe yeah Joe exploits the school Joe isn't even that smart actually Pierre does all the work and Joe just writes it down I thought maybe if we could keep here busy a little bit Amber their research then the idea was sort of warm up So what do you want to do next Pierre? Want to go surfing? Which one's Joe again? Joe is in the red polo. Okay. Thank you Joe I got a question for you All the stuffed animals around here strange are they anomalous? No, it's this whole thing is he has this Conspiracy for lack of a better word. He seems to think there's like signals coming from there Yeah, it's he believes that they're talking to him giving him cryptic clues as to how to get out of here and how to you know find a way out of this place, but Ten years and no results it gets you know, it runs a little bit You're actually certain that nobody's like bugged them or use the radio signals I don't think he understands how to do height high-grade electronics or any type of that I was gonna say he Seems to get a kick out of talking to them and it doesn't seem to do any of us any harm So I'm willing to let it slide. Yeah, I was gonna say he's he has a pierce Yeah, I saw one of the residents asked to borrow him effort I first got a little concerned But then another one of the residents told me that it was just for shenanigans He seems to think it's gonna mess you up Here is as much of an independent creature as I am Is able to do his own things with his own people He talked to me Maybe if we could I try and focus on one person to interrogate Literally anything would be very helpful to me Well, I have not seen any sharks here to pump yet. Yeah, I came here for the sharks Um, you didn't have it. I think someone would be partake here. We'll be angry Some of your people so caramel that's the side we need to be focusing on the actual murder Just maybe someone's a little suspicious like Brent said I think it'd be good idea to like maybe interrogate someone I feel like we're just running in circles right now. I'm just talking over each other We'll keep that in mind Hold on Jen Let's take turns speaking because if we speak over each other, it's not yet again. It's anymore, so So about this, but I'm kind of just noticing things in time lines for me if I'm wrong if anybody else has any information Please let me know. Um, I'm not saying Sloan should be suspicious But Sloan was a little bit quick to scan Ren here with that being the last scan that we needed to figure out who This person who is the murder is possibly Now It was wasted on the jar So that means that we can't rely on that one scanner if we were correct to indicate who the person could actually be So we have to rely on memory. You have to rely on timelines and stuff like that, too Okay, something that was that's one first of all instantly suspicious second I was talking to her a little bit before her incident happened with the scanner She didn't notice a little bit something around two o'clock ish about Could you Sloan you went to go talk to the No, I didn't I was in bed Exactly where I should have been last night. I was not out of bed. In fact, Ren For you to be cashing such accusations out and about you must have been out of bed Others I've heard that I've heard you say that he was out there so you had to be out That time no That is that just because you were asleep and Trust me, I was trying to get to sleep Yes, I will say I don't know what this means, but if it's helpful to the group absolutely I was told very early on in the night I've been talking to camp Don't tell me to deliver a pen of some sorts to And and just said it was a symbol of hope Yes Yes Within basically this area who is in basically a possession of amnestics during this Security personnel the only ones authorized to use and carry amnestics Yes And upon asking Edgar from earlier, he did say that during his morning house all the amnestics were still there There he did say that during his morning house all the amnestics were still there Yeah, they didn't so when you guys saw Edgar carry camp into the bathroom Was it in ethics use during that and Thank I mean there was a lot going on. I didn't see if you could really really really really hard remember I mean all our members Yeah Like No Didn't you tell me that you moved the body yourself These things kind of get mixed up Was Ren there? Ren was there. Yes. What Ren were you there? When we moved cam into the shower So who are we going to be investigating? To see who we should interrogate so just go for we think is the most suspicious Say uh, Sloan, can you openly tell me how was your in cam's relationship? I just wish to know for I have a piece of information that I feel is in Sloan's defense and that is that Um cam appears to have had amnestics used on him and I have been trying to find a way to reverse that effect so that we can get cam's account of the The situation and Sloan has been the only person helping me to reverse those effects If Sloan was guilty, why would she want cam to remember and therefore inform us of her duty? That's back Is Yeah When I would not well as security to sabotage this foundation site in any way It should have been a Someone tampered with the supply, but why would he tamper his own amnestics good? Oh my god People are dropping dead here. We have two deaths already Who else Well, I was going to say we've been getting amnestics from over here right there talking about amnestics All this site security stops the only person that has access to it anyone could poison it That's true. That's just my that's just my theory I was going to say we've got a dead security guard. We've got Uh poisoned amnestics. We've got people trying to figure out how to reverse amnestics Um, I guess we shouldn't have voted for edgier, but somebody murdered him Doesn't mean he isn't the murderer, but he also might have been someone who was murdered to keep things quiet So Let's get back in it Thank you for listening Site 42 studios and its staff are funded by viewers like you Please become a patron or visit our merch store at the link in our bio to support our work Secure contain protect


I'm really excited that this is the spirit already of the future, but how this will influence our relationships, our society, and other things in our life, which is based on the enormous and very world patterns. Can it be the common mind state of humanity, or will it just be individually developed? When you say, will it just be individual, then I have to say that it's not about it just being individual, because any time any spiritual practice is imposed top-down on any society or any group, it becomes religion. It then coagulates into a sticky mess of doctrines, of codes of conduct, of morals, of messy stuff, and actually deviates the entire process into a power and control game. So, for a spiritual seeker, it cannot be actually of concern what is going to happen to society, because it is when you know self that those around you know self, it is only when you know self that those around you know it. You cannot know self and through that knowledge impose it. It has always been a dilemma for spiritual seekers. Mainly those seekers that come from cultures or that have grown up in cultures that are influenced by the Abrahamic religions, that somewhere within them there is always this need for a sort of a movement or a sort of a world-changing system. That is actually your inheritance that is making you wonder something like that. And while it has some merit as caring for humankind, underlying it is pure ego, because you want to transform all of humankind. And when you're transforming all of humankind, you don't have to bother about transforming yourself. You know what I'm trying to say? Spirituality is not about creating religions, it's about me, myself and me. In that sense it's very egoistic. You move towards your soul and when you experience the soul which you, I feel, do already, go with its movement and see what happens around you. Whatever moves from inside out will grow in illumination. And whatever comes from outside in, from top down, will just start dazzling everything and blind everything. That's what happens. And we've seen it in the history of humankind. Yes, this spirituality certainly is the spirituality of the future, no question about it. The surrender to the soul, the surrender to love. That is the spirituality of the future because the forays into the cosmic experience and into transcendental states is now explored and known. And the cutting edge spirituality is now moving inward into the very cellular consciousness into actually thisness becoming aware of itself increasingly. So when this is aware of itself, then the one next to it will also become aware of itself. But it moves bottom up. It cannot go the other way. It won't. And if there is change to happen in society, it will happen bottom up. You know yourself, you act from that. Your colleague in the office feels that change and it moves that way. And certainly if at one point a book is written about what is spoken about here, then if 10 people read it, they will be inspired to make some change within themselves. That is still not top down. It is still bottom up. It is in a sense a lonely position but you are not alone because you are with the master of your being. Many people experience it as a sort of loneliness. I know about this but the world doesn't know about it. The world doesn't need to know about it. When the world has to know about it, the world will know about it. That is called surrender. Just being in a state of surrender. For 20 years I was talking about this to 10 people, knowing very well that it will bring relief to thousands because they just feel their soul and they feel, phew, now I can be here. I don't have to be enlightened and all of that. I knew all of that but you have to contain this when you are in that process. You have to contain it. You have to contain that sense of suffering that is sometimes experienced because you know about the ignorance around. But even that is an expression of ego. So you turn away from that suffering into surrender and say first this system has to know itself and then we will see about the next system, surrender. That is what surrender is. And there I have to take her first, then you and then you.