It's welcome Hi Danny so Cruz Like his mom snatched loose and dry take some advice from that sketch and try and lube up your word in A lot of times I put Vaseline on my iPhone when I'm writing Do you find that helps? It helps a lot. It does loosen up my boss. Do you feel like they're really rigid before you add the Vaseline? It was yeah, it was. Yeah, you gotta add a bit of lube to the writing process But I don't what do you feel like he was trying to say?   Yeah, basically believe me I talking about breakdancing when I say I'll pop and can't stop like I was eating Pringles To be fair when I pop a Pringles, I can't stop It's true, but that means and you're not talking about breakdancing. So yeah, it's not a bad bar It's not a bad bar He's he's double word played For no apparent reason. Let's hit a bargain. So basically I always say it is I'm not talking about breakdancing when I pop That that pops the word play of that. Yeah, and can't stop like I'm eating Pringles What's going over there That guy's popping shot and he can't stop Is he eating Pringles? I think the main problem with this is that like two bars in one.   Yeah. So firstly, yeah seeping fluids from a hand job scene seeping fluids, seeping fluids, my favourite one. I don't know what it smells like if it's a scene Well, no, no, no, no, I don't just say card flow. Why seeping fluids from a hand job scene? I think basically he's probably got quite curious he's having a bash He's having a bit of pre-carbon before Seeping But it's the final multi the paternism only and a gun of tangerine That is a bad mix Good point The smell of the the seeping fluid from the hand job scene and sewage is going to be the dominant smell I don't think the gun of tangerine is going to be that much of a difference Wait, wait, something smells like spunk Wait a minute I've got to have a proper like He's got your tune, bro.  How do you sense the smell of a dog?  When you spit your bars, it sounds like you're rapping them in morse code I don't know That's the highlight of the bars we've done Do morse code What's that about? Beaker Beaker from the Muppets Oh yeah, for real, yeah Apart from that That should be the theme tune for bad bars now What bad bars? This is bad bars Can you do the theme tune for me now? I could do that Bad bars Blitzbizzle, thisbizzles, dismissal Each bar more carnage than six missiles Six Six One missile does a lot of that Do you know what's funny about battle rap?     I think it's basically the puncher No it's like that You think you can walk over me like I'm the floor? I'm the floor You think you can walk over me like I'm the floor? You think you can walk over me like I'm the floor?   How did he take Madeleine McCann?  What? How is that bad?  You know what, I would actually be his open Wait a minute Is that a good bar though? Kruger? I rate it No, you're doing that because those two are You're allowed to speak I'm a breadwin' Rick Fury flatmate It's ready to bear with your breadwin' Rick Fury Well if he was here backstage But they just can't share that name That's his tryout To be fair, I can't even read That he's really protecting and backing his mate Yeah I know, but that's like me saying My mate Tom Definitely about your mate Tom You shouldn't have that name Government names are different to rap names No no, but Tom's his rap name His real name's Bob Why is he so unsure of Bob?  It's because he goes hard He's a walking erection He goes out hard And then the following part is The only time you go ham is in things We's in the meat section It's like Two bangers put together See, it's only the setup You wouldn't say someone ordered you get some chicken No, I went ham, mate Jackson, our criminal smooth titles Waste recycled, he's sweet trifle What? You didn't get it? You need to understand when I'm cussing Are you Beckles or something?  Trifle sweet, he's waste recycled Title Michael Jackson Because I'm Jackson Michael I don't know what that even means What? What just happened? This is kind of like word by word breakdown type of thing for this one Two things about this one It's not the same thing the first time as it is the second time There's loads of words added The other best thing is like I don't think at any point Two words fit next to each other I don't think at any point that any of the sentences make sense So he says, Michael Jackson He's called Michael Jackson for a start I criminal smooth titles Criminal smooth titles Let's break it down Maybe it's like I criminal Smooth title What does that mean? Smooth title No but he made it criminal so it's not smooth anymore He needs to leave He should have put more lube on it I feel like he hasn't put enough lube on it He should have listened to Brucey Right, I need some lube So, I criminal smooth titles I've lubed up my criminal activities Smoothly going through Race recycled Race recycled You know when you recycle it's race What? Race recycled What?  Didn't you get it? He was talking this right?  I've only wrote what didn't you get it once He says what didn't you get Should I spit it backwards? He says five or six times He's amazed at his initial What, you didn't get it? He reads it back Should I spit it backwards or something?  Have a break I've already won I can vision it Cause how can I lose against a guy who's older than me How can I clash if he handed in a permission slip He could only clash if he was handed A permission slip Yeah he didn't see that But he said permission slip Who's ever had a permission slip for Fucking try out Cause I just emailed you guys Did neither of you bring a permission slip Oh you're not breaking the rules Fucking hell man Did you not tell them to bring a permission slip Mate we don't have rules you have to bring Every bout We went for a meeting with his parents Had to sit down and talk about it Is that when they picked him up?   I'm moving on But I'm just saying, you're from Reading Now, I'm going to tell you why you're on top Just don't flop from your ship Sorry, I can't read the rules Let me do it Man said you're from Reading Man said you're from Reading So it's like the way that you try to As literally a random person in the crowd So it was obviously this weird little odd job mate that they just like At the same time Anton Murphy won that battle He did This rapper might be Indian But he won't win this battle, Indian Indian, Indian There was a lot of that in Black Yeah, the thing had a bar about that Yo, he's going to diss me for being Welsh But it isn't hard when the closest he's come The bag and the chick is carrying A rucksack on the chicken farm What farmers have got rucksacks? None of them have rucksacks What farmers are carrying a rucksack and putting chicks in there? You know what I was going to say to Money Mitch? This was actually going to be my bar and then I read it back I went and I thought that I was going to say to him If me and you have beef It would be exactly like an optician's General conversation on site Jesus Christ On site I like how cheeky he is I swear to God I wrote that, read back and didn't keep it Last but best, then I'm going to answer to your question Like a clown on Christmas Day I'm laughing at your presence Is that what clowns do, yeah?  I've never been, what are they like? I said call Blimey Please don't look Man, he's got more chins than a Chinese phone book I've never heard that before No you haven't I do tell it to get on the knees That's what I say to I give an old king of the dot battle I put my DNA on her The lack of knowledge about her Yeah, I'm pretty sure DNA versus this guy's mum Has never happened for a starting king of the dot Yeah I put DNA on your mum So it doesn't matter what channel it's on Why are you going to put a battle wrapper on your mum What kind of DNA is a spit?


Welcome, folks. This is Tom O'Brien of TFNN. We have five days a week. We go 10 hours a day. We go 24 hours a day on the internet at TFNN.com. Always remember, folks, whatever you think about, you bring about whatever you focus on grows up over and seven. Great day, safe day. Let's make it a great night and great week, folks. Don't make assumptions. Ask for what you want. Find the courage to ask for what you want. Others have the right to tell you yes or no, but you always have the right to ask. Likewise, everyone has the right to ask you for what they want, and you have the right to say yes or no. Let's take a look at it out here. We had the Dow Industries up three. Nasdaq up 22. S&P is up 13.5. Gold contract up $24.30. Trading at $14.47. Sixty and ounce. Silver up $0.39. $16.37. Lightsly crew down $1.13. $55.65. A barrel. Notes and bonds. You get the 10-year note. Up $13.6. Trading $127.24. 30-year bond up $9.00. At $155.01. King dollar. King dollar down $488.00. Trading at a price point of $96.365. The euro is at $1.12 to $1.00. The yen is at $107.27. And the pound is at $125.51. Our phone number is<PHONE_NUMBER>. Give us a call, folks. I know it's going on in your world. And the world of the S&Ps, let's take a look at them. What do you have out here? You got to a lower price. You had lighter volume. Rejected lower price. Bottom line, folks. Still got an ABC structure up on the spy. The spy right now is closed at $298.87. Your price projection is $303.00 on $1.00 and $305.00 on the other one. I expect we're going to get that next few days.  Microsoft just came out with numbers. Let's go over to Microsoft. So MSFT, Microsoft. Microsoft closed at $136.42. That's trading up a buck. Microsoft also has an ABC structure on the way up. So bottom line is you get Microsoft moving at an ABC structure in the way up. You're going to get that $303.00, $305.00 inside of the S&P. Gold. Gold contract. Monster move out here inside the metals market. We had with gold. Gold's done 464,000 contracts. You took out the highs. The highs out here, $14.42.00. If we do look at the gold contract on a larger basis, my take here is that we are now on the way up to the $1,700 level. Let me show you something here. So this has been in a six-year consolidation and it just took it out. And it took it out with a vengeance. That's how you want to take these things out, folks. That's the real bottom line. What you're going to see here, we'll put this back. And the top of the consolidation was $14.28. We're at $14.47. With that sets up, guess what? That sets up $17.94. And this is a straight line move. And if we did it, that price projection is just saying you took out a six-year consolidation, the next swing high is up at that level. Another way that you can do this on a price projection is you just take the top where we were, $14.28, move away. You take the bottom, which is $1,060. So you get approximately what that's $382. And you can add $382 onto the $14.28. So what? $15, $16, $17. There's $1,800, man. We're going to the highs. The way this is a trade, we're going to the highs. Silver. Silver's been catching up with the gold market out here. Would you have a silver? Silver, today, up $0.39, almost $0.40. We pull this back, put this on a continuous contract. SI1, there we go. Okay, so we take silver. We put this on a continuous contract, put this on a weekly. Yeah, Silver's on, well, the first leg is $16.19, but we're out at $16.12. Silver's on his way up to the $17.35. Notes and bonds, notes and bonds also want higher price. Bottom line is that they came in with volume out here today. You have the 10-year right now, up $126, $127.24, 30-year up $10.00, $1502. What we did do, and this was, Williams came out earlier from the New York Fed, and this is important because the New York Fed, no doubt, folks, runs, well, they're always the voting. They always have a vote. They're the only ones that always do have a vote, the New York Fed governor. And Williams came out today saying flat out that the bottom line is that he thinks the Fed should make sure they move sooner rather than later. And what that did inside the Fed fund future rate is that we take a look at it. We were already at 100% 25 basis rate cut, which 25 basis, one quarter point. What that being said, what you're going to see is that on the half a point rate cut, we went exponential. Now a half a point rate cut is a probability of 65%. So that, baby, moved in a dramatic way. No two ways about that. That is one monster move, folks. There's no two ways about that. We take a look at Microsoft. Let's see what Microsoft come out, what number wise, what they said out here. So Microsoft, their revenue estimate was $32.78 billion. They took in another billion, oh my God, $33.72 billion, big number. To the bottom line, they were expecting $1.22. They did $1.71. So both cases, big numbers. And if we do look at Microsoft, we're talking about this in the last hour. Microsoft is a confirmed ABC structure in the way up. And let me just find this ABC again. So yeah, here it was right here. So just get this number again. 131. I'm just going to ballpark this quick. 31, that's 38. Yeah, 158. 158 is the number. Right now, it closed at 136. You're trading 138. So you get 20 more bucks. 20 more bucks. It'll be a mind blow, folks. I'm telling you, 20 more 20 more bucks inside Microsoft is no doubt going to get the spy finishing off an ABC structure on the way up inside the Dow industrials. The type of waiting structure that we have there. Who knows where it's going to put the Dow industrials, you know, because that is a large number. And the real question is, like, how fast can it get there?  And let's just see inside the S&P how it's moving it. So the spy closed that two nights. The spy, they're only moving that up by seven cents. The cue should move more than that. Yeah, the cues are moving by 45 cents. So the cues closed up 22 cents. They're up an additional 45 cents right now. That's just from Microsoft. Come right back.


Get me into the story, show me the image. Too many times we hear, I know, show, don't tell, but too many times students will show too much and not really tell or tell too much and not really show. Stick around and let's talk about the right balance you should kind of strike in your DO and MD personal statements. Hi, I'm Dr. Josie. This is Write Your Acceptance. Thank you for hanging out and spending time with me. I hope you find our content valuable and please make sure you subscribe. If you want to chat with me to learn about how I work with students, definitely get your appointment with me to chat for free 15 minutes in our Calendary Link book your call today and we can chat about how I work with students through my program PSRX. Let's get started on medical school personal statement examples. When I work with students, we do so much more than just editing, right? It's not sentence line kind of editing only. It is not copy editing, right? Here is a comma. Here's a fragment. It is more about elevating your message. It is about choosing the right stories and how to approach these stories and kind of how to combine content. This is why I have students who have gone on free ride to Mayo solely based on their personal statement and how a student, you know, multiple students who were re-applicants just changed their personal statement, didn't really have new experiences, no new MCAT score and got multiple acceptances and interviews after the unsuccessful cycle. The personal statement is really, really important. So let's get started. The first example that I get a lot from students when they're stuck is the I like to help people and I don't know where to go from there and that's okay. When we talk about how cliches are bad, cliches are bad, not because they're just bad cliches are bad because they will kind of deliver the same message or the same level of depth for the page for you, right? So you will sound exactly like someone else. But if you anchor that, if you kind of go a step further with regards to details, then I like to help people could become a very compelling example that goes way deeper than just helping individuals, right? So the student has, I am passionate about not only treating symptoms, but getting to the bottom of illness and how we can improve if not reverse chronic conditions. I love this line. I think this is a great telling line, right? You're telling me what you like, what you really appreciate, how you want to help, how it's more kind of preventative and dealing with chronic conditions from like the root level, right? So it's an exceptional line. What you need first is the evidence first. Show me that you have kind of started this work. Show me that spark moment that really kind of put this brand of medicine for you in your kind of top of mind pillar of what you want to do aspirationally. So the first thing is anchored in experience. So once you have a patient experience you want or as you're selecting patient experiences you want to think about, did you give advice to a patient? Did you offer resources that the clinic that you worked at offered with regards to diabetes or nutrition classes or exercise classes? So what kind of root level experiences were you helping kind of to guide the patient through? How were you active in this or how were you offering a support role in a moment? And then when you're thinking, so once you have a patient experience, then you think that ER acronym that we talked about in last week's personal statement video, if you haven't seen that, I'll link that above. It is more brainstorming content, but ER is basically evidence, then reflection. So you want to kind of think about that structure. It's going to be a topic sentence that gestures. So let's say you're ready to write a body paragraph for the personal statement. It is a topic sentence that gestures the lesson that you will have at the end of the body paragraph, then your story, your evidence, then a reflection, right? It's not always. This is not a hard and fast rule, but this is just a template that is a standard template for me that really works. So it would be something like learning to balance symptoms driven medicine with preventive help is what I learned to appreciate when volunteering at name the volunteering place. Now you go to the story. When a 66 year old female patient with type 2 diabetes came in to check up with her endocrinologist, I noticed she was flushed just from walking a few steps. Here's where that's it. That's the story. Here's where then the student will add what they did, how they addressed it, how they talked to the patient, what resources they offered them, so how they kind of jumped in action and saw how kind of chronic conditions and preventive health can come together. So this particular students draft ended up talking about how both the patient and the student had Colombian background. The student was Colombian American and how they started talking about diet and so how they started talking about kind of, you know, how the patient is wanting to eat healthier but can't give up their Colombian diet stapled. And so the student kind of goes into research mode and finds them healthy alternatives that still tastes stays true to their Colombian background. And so then the lesson or lessons that you can kind of talk about are they admired the physician being welcoming kind when the patient confessed that they broke their diet, how you kind of jumped into action and you wanted to kind of offer, you know, support that went beyond the visit and how kind of, you know, sharing how creating a space where patients feel comfortable so they share all information will render better care and health outcomes. And it was a culturally competent kind of moment because they met the patient at their kind of moment of cultural comfort and awareness. Example two from a student reads, I aspire to offer personalized and comprehensive care to patients. Again, a great start. Where do we go from here? So you want to kind of think about anchoring this in a patient experience and then giving us the lessons. So it started with something like this, a patient cried as she found herself lost on the wrong floor of the hospital. All I could hear her say was no se donde estoy I don't know where I am on loop with increased anguish. I approached with my hands out and softly spoke to her in Spanish, which seems to ease her worry. She found home in our native language and I realized that something about caring and being personable in medicine, right? You can return to the story here and kind of talk a little bit more. You can say something like when I joke that our last stop of the hospital tour was her room. She chuckled and I remember her and she reminded me of my grandmother. I treasure this moment as a pivotal experience because it launched my commitment to and then kind of go into what this moment kind of meant to you, right? And so you can say something like, well, I helped nurture her sense of comfort socially. I recall how Dr. Pete came in and began treating her medically and it is balancing these two emotional threads that reveal my type of medicine. So you want to think about there are some moments in your journey to medicine that are the quieter moments. I call them the quiet moments, they're moments that will probably not be captured in a resume and yet they are kind of emotionally driven moments with patients usually that really can kind of speak to your journey to medicine in a very emotional way. And so you want to kind of consider those as potential content for your personal statement. So before we go to example three, so many things are happening in this moment, right? We have a connection within diversity. The student shares a cultural connection with the patient. Do you have an idea for a personal statement paragraph but you don't really know or have a lesson but you don't really know kind of how to attach a patient's story? Comment below. I'd love to help you Yeah. So example three, I have to come back to this one. I love to help people because it is absolutely I mean I hear it every cycle multiple times a cycle and where students kind of truly want to say that and don't know where to go from there. So since this is such a broad experience but meaningful experience you want to kind of or identity of trait, you want to make sure that yes you anchor it in an experience right in a patient's story but that you are in action. A lot of times sometimes or a lot of times sometimes students will kind of write that they observe someone else do something amazing or that they are in the position kind of where they hear a patient talk about a hysterectomy that they have to undergo or insurance red tape and instead of doing something for the patient whether it's lending an ear or kind of giving them resources helping them figure out how to be a little bit more empowered they kind of go internal and they kind of talk about you know how man in that moment I really thought that are you know in the future I want to help people do this that and the other instead of showing me they kind of you know instead of externalizing their experiences and act they internalize and they just give kind of reflection as to what they wanted to do and for me I don't love that in the personal statement just because it kind of shows me you in action or it doesn't show me in action right it shows me the lack of action and just kind of you going into your interior monologue and and I don't love that in your personal statement so here is how a student kind of expanded this in last year's cycle so while waiting a long line for transport I noticed the patient who had just left our office clutch a weathered paper with instructions I sat next to him and asked where he was headed which revealed his frustration since he could not figure out which bus to take to his son's house after pulling up the clinic's private bus service I made sure to put him in the queue and less than five minutes he was on his way home more at ease and only focus on his treatment plan I inspire to serve patients not only while they're in the physician's practice but caring for patients in all aspects so then we see the students helping right it was a small gesture but it helped kind of make a real difference for this patient and then they can go into kind of social determinants of health and how economic and other lifestyle obstacles can hinder health care right so then that could be like a broader lesson learned at the end of the paragraph and how mindful they want to kind of be about adding kind of a being of service beyond treatment room so if you found this helpful please give us a like share with your pre-med friends if you want to chat with me on how I work with students and start working together potentially to see if you're a good fit if we're a good fit together definitely get on my calendar there's the calendar link below and you can reserve your spot to chat with me talk to you soon take care bye


It's the first time that we've put F-35 on the flight deck with any other aircraft. It's the first time we've operated F-35 in a cyclic option environment. So the main mission of us with VX-9, VFA-125, and VFA-101 while on board here is to test the F-35 in a cyclic option environment and see how it performs. So for me, the biggest transition I had to make was, like I said, I was a 2C pilot. So obviously the F-35 does not have an R-Node 2C aircraft, so I had to transition from being a 2C pilot and the TCC concept to being a single-C pilot, so that was a transition for myself. Then obviously it's a brand new airplane built by a completely different company. So a lot of the mission systems are different, so basically having to learn a whole new airplane was probably the biggest transition for me as well. So my job as LSO is basically for the safe recovery of aircraft on board the aircraft carrier. So what I do is I go on the LSO platform and I basically wave all the planes coming in the land and make sure that they're safe, everybody that does things properly, I grade them and get them aboard the aircraft carrier. This current squadron basically on board the ship really composes like three squadrons. So we have VX-9, VFA-101, VFA-125, and then one member from VFA-147, and this squadron basically is only coming together for this one-boat dip. But the F-35 has basically, it doesn't have a ceiling on it right now, if you just keep going, the F-35, I'm a car guy and I like to compare it to the F-18's kind of like a classic car, you know it's tried and true, it's been around for a long time, and the F-35 is kind of more like one of the newer modern cars, a lot more software based, it's a lot better in many ways, more advanced, easier to handle, a lot more user-friendly, so the F-35 is really good in those regards.


Cool. Are you all ready to get bored with a very boring presentation? By the way, feel free to leave comments or questions. I have like four monitors going, so I'm monitoring everything while giving this presentation because it's kind of boring. So I have plenty of time to read everything else that's going on at the same time. I am Vince. I have the website darkcan.com where I've kind of cataloged all the things that I've worked on over the past 20-something years in tech. And lately, my favorite hobby has been getting more and more free BSD virtualization stuff going, especially around VMware and Parallels desktop for the ARM platforms. But before we get into the boring stuff, let's get into the exciting stuff first. I wanna invite all of you out to the free BSD Discord server. So we have about 1,400, a little over 1,400 people in it right now. So we chat every day about this, that, everything else development, using it, just ideas goofing off. You name it a little bit of everything, like ZFS discussion stuff like that. A lot of my virtualization stuff I share there, just the ARM embedded stuff in general. I share a lot of that discussion on there. And we do live sessions all the time, kind of unscheduled. So basically like this conference, but completely abhoc unscheduled, oftentimes nights and weekends, somebody was like, yeah, I'm gonna stream what I'm working on. And I'll show a little bit of some of stuff I've been working on that, was actually done over streaming on it. So go ahead and give us a join. Yes, I already know your number one complaint, which is we do not have any client for free BSD yet for Discord. But it's kind of that chicken and egg problem, where it's, do they build a client for the users, or do we have the users to tell them to build a client? And so right now we're kind of going in the idea that if we build a user and community about around a free BSD Discord, that we can help push them to give us a native client since it's just an electronic app. But now onto the boring stuff. And this is why ARM virtualization has gotten really boring throughout 2021. And it was August of 2020, VMware released their ESXi ARM fling. Their flings are basically just product, they're not official products. They're tests, demos, just ideas, concepts that they release out to the public just for people to try and see if they like it or not. Some of them are like web interface add-ons, drivers, different things like that. But they released one really cool awesome major one, which is their entire ESXi hypervisor, but for ARM. And going into it on day one, I just assumed a lot of things would be broken because it is just an early stage test that it'll run, maybe you'll get like a basic VM up and running and you don't have all that much else going for it. But here we can see from this first screenshot on the left, this is in my home lab, Dell R720 with, it's a dual socket, a dual eight core system with a bunch of RAM, bunch of storage and a whole bunch of VMs running on it and a bunch of virtual networks all in different VLANs. And then if you look at the right, I don't have as much built out on it, but it's 16 core, the solid run honeycomb board. But this just as easily runs on Raspberry Pi is I have probably five, between five and 10 Raspberry Pis that are all running this exact same hypervisor right now. It'll run on any Raspberry Pi for the four gig or eight gig model. And recently they got it working also on the Pi 400.  But with this, the process of creating and managing and working with your virtual machines is almost a hundred percent identical between x86 and ARM. And that's how it is today. That wasn't at launch, there was a lot of issues we had to work through. Like specifically with FreeBSD, SMP did not work at launch day. There was some bugs in both the FreeBSD kernel as well as the hypervisor around the interrupt controller, the GSE, the generic interrupt controller that prevented the secondary cores from basically being woken up properly. Or you can go check the bugs to see the exacts behind it, but that's kind of the gist of it. And we worked with the VMware developers and they helped sponsor patches for FreeBSD and they fixed some stuff in the hypervisor as well. So now today you can go ahead and install it and like on this 16 core box, I can just start up a 16 core VM and it'll just work right off the bat. There's no hacking or anything else that has to go into that. Additionally, when the hypervisor first came out, the ISO images, I'll get to that in just a second, I have an actual slide on the ISO images. Going back to the management real quick. So storage is important for hypervisors as well. With this, I have already on my x86 infrastructure a dedicated iSCSI storage that I use. It's a configured as a two terabyte volume that I can just dump virtual machines into. And for ARM, like I was saying, I was expecting a lot of things to not work on day one and surprisingly, software iSCSI worked flawlessly on ARM just as well as it does on x86. And if you notice here, the actual UUID of the volume, the iSCSI target is exactly the same. So I'm actually sharing my existing x86 iSCSI target with my ARM infrastructure. So I didn't even have to provision any new storage or anything like that. I just plugged into the exact same infrastructure that I was already running and I instantly had storage to dump my virtual machines on. And then having multiple hypervisors, like I said, multiple Raspberry Pies, they're all pointing to the same iSCSI store. So I can actually migrate my VMs between the Raspberry Pies without any downtime. Additionally, yeah, so this right here is an example of actually browsing the data store. So this is my iSCSI data store. And early on, like I was saying, we did not have the ISO image for FreeBSD on ARM, the generic kernel did not include the CD-ROM driver. So kind of a little ironic thing that we ran into is that the CD image did not have the CD driver. So when booting from UEFI, which is what ARM uses, it goes through its basic boot process, it hands it over to the boot loader and the boot loader hands it off to the kernel. Once it handed off to the kernel, reading from the ISO image, or in that case, the virtual CD-ROM drive, shifted from UEFI over to the kernel and the kernel didn't know how to read from the disk. And so I went through this convoluted process where I took, there was an installer initially for a raw hard drive image instead. We had one of those for ARM. I converted that to a VMDK and then had that as a secondary hard drive, or a virtual hard drive attached to a virtual machine. And that's what this installer image is here, me going through that conversion process. And just showing that, again, it's the same storage architecture, it's using the same storage infrastructure between my x86 and ARM infrastructure. So I can actually do all of the disk image processing on the faster x86 machine to convert the disk images from a raw VMDK and then load them up on the ARM effortlessly. Luckily today, we don't need to worry about that. 13 includes virtually every driver that we need at this point and I'll get into a little bit more about the drivers. And as you can see here, we also have NFS is working great on it as well. Another surprise that again, things are just working straight out of the box, which is again, why it's very boring. On the left, you can see there's the AMD64 image and on the right, there's the ARM64 image. And today, if you want to create a virtual machine, you can just load up the disk one image in ESXi ARM fling and it'll just run through the normal install process like exactly like you'd expect. And I thought about making this presentation even more boring by actually going through step-by-step of the installer, but I decided to scrap that just to make this a little bit easier. And you guys, so you don't get bored with just looking at a previous installer for the entire presentation. I decided to change it up and show you guys a little bit more of the infrastructure side. Speaking of infrastructure though, one thing that VMware has going for is that they have vCenter, which is basically a centralized management system to manage multiple vSphere or ESXi systems all from a single management console. And it allows you to migrate virtual machines live without taking them offline from one machine to another. And even that, even vCenter perfectly integrated with the ARM version of ESXi. So as you can see on the left there, I have my one single vCenter instance and it's connecting to multiple physical locations that are running ARM infrastructure. And I also have multiple physical locations running x86 infrastructure. And everything just all shows up in a single dashboard with a single management interface. And I have all of my performance stats, all of my configurations and everything all in just one nice central place regardless of what architecture that I'm running. And so that makes it again, easy and boring. So if you already know the tools, there's virtually no difference between jumping from one to the other and having them in the same environment. Obviously because the architectures are different though, you're not gonna be migrating a virtual machine from an x86 box to an ARM box or vice versa because they're completely different architectures. And even on that note with the ARM architecture, there's a lot more nuances in the processors than there are with x86. So even though the solid run and the Raspberry Pies, I believe are both A72s. Somebody can quote me on that, I'm probably wrong, it might be a different number but I believe they're both A72s. And even though they're the same like processor generation within the ARM system, there are subtle differences between the two where you can not migrate between those two platforms but between two different Raspberry Pies, it works. Which is nice because if you wanna like live, migrate a virtual machine and then take a pie offline for whatever reason, like if you wanna upgrade the hypervisor, that's something you can do right now which is also really cool. Here, again, we see the actual virtual machine up and running. We have just a small screenshot from each of them running a BSD info. But on the left again, we have our x86 infrastructure on the right, we have our ARM infrastructure. One of the cool things here is that starting in, I think it was October of last year, I started working on porting open VM tools which is the guest tools for VMware. And that allows the guest and the host to communicate back and forth bidirectionally. And part of that communication is that you can see the host name there, the IP address, the version of VMware tools running and a lot of storage information is passed from the guest to the host. Again, tying into all of that management infrastructure both on ESXi and through the vCenter client as well. So we can see the zero volume at, just on the root of the file system and then all of the other, the default ZFS data sets that are created through the free BSD installer. And as of today, I believe open VM tools as of 11.3, it is fully compilable on ARM, but I don't think we have the package and the package repository yet, but it is updated in ports and it takes like a minute at most to compile and install. It's a very small package. So even if it's not in the pre-compiled packages, manually compiling it should work flawlessly at this point on ARM. So that's a really good effort by everybody both inside of VMware and in the free BSD community to get both sides of that together and all working nicely. So talking about the virtual hardware, this is where things start to diverge quite a bit. I know that this text is gonna be a little bit small just because there's a lot to show all at once. Again, we have the x86 infrastructure on the left and the ARM infrastructure on the right. And on the right, you'll see like one big giant red box. That is what's called a VMCI or the virtual machine communication interface. And that's one of two drivers right now that we do not have ARM drivers for yet. So if you're looking for a project to pick up, either one of those would be great. VMCI will probably be easier than the other one. The other one is the actual video card driver. And the reason for that is because I believe the VMCI interface is mostly the same between x86 and ARM. The only reason it isn't directly compilable is because there is a bit of machine code, some assembly in the driver and so that needs to be converted over. The issue with the SVGA driver, the video card driver, is that they've completely redid the virtual hardware interface from scratch. So it's not using whatever their IO command structure that they were using before. They've swapped it out for something more modern. And I believe they've added more modern graphical rendering features as well. But there is a whole host of other hardware as well. So while other hardware does work, you have to manual add it to your loader.com file. But right now we've gotten that down to I believe only two items left that don't immediately auto detect on boot. And that is the UMS, the mouse driver and the SND HDA. So the sound, high definition audio driver. And right now the audio driver doesn't apply to ESXi at all since there is no sound on that interface. It only applies to if you're using it on a desktop like if you're using VMware Fusion, for example. Or Parallels, Parallels desktop. Either one of those would need the sound driver if you don't have audio with it. Other drivers though, historically we did not initially have the PVSkezie or the VMXNet. So the Parallels virtual skezie driver or the Paravirtual network driver at launch. But those drivers had no machine code and amount of all surprisingly. So it was just a matter of just ticking the box and the kernel to enable them. And now we ship them with generic so everybody can benefit from them, which is really nice. So again at this point, as far as those are concerned they have now hit the boring category where you just install FreeBSD and it works out of the box just as expected. And we've worked upstream with the VMware Devs because despite having the PVSkezie driver working in FreeBSD it actually didn't work right in the hypervisor initially. So reading and writing worked great but their virtual UFI BIOS would not boot from it. So if you had it as a secondary drive like just a generic storage drive, it worked great but as a boot drive or the OS drive it would just fail to boot. They've since fixed that which is really nice. So again, putting it back to the boring category early on what I was doing is I was still using the virtual SATA interface for my boot drive and then I would use PVSkezie for my larger storage drive for a little bit more performance with my MariaDB databases that I run on ARM in my home lab for testing. Funny enough while working on that last running the hardware info and pulling that that particular website actually has a check for virtual machines. And if it's a virtual machine it'll actually remove the information after a few days because they don't wanna keep a lot of VM information around. They wanna kind of have the website focused on real physical hardware. And it turns out that it wasn't detecting ARM virtual machines at all and I went and did some digging and it's actually because in the FreeBSD source code itself the ARM code was never built with the idea of virtualization in mind since it's so new to the industry right now. And so kern.vm underscore guest shows as none on ARM even if you're running inside of a virtual machine and the identcpu.c file for x86 has a bunch of detection code for a lot of different hypervisor platforms and all of that code is currently missing on ARM. So if you're looking for a project to pick up that would be a very great good place to start if you're familiar with kernel programming. It shouldn't be too terribly complex just looking at how it's done on x86 and applying it to ARM because a lot of the detection processes should be nearly virtually identical between the two. And again, like I said, it just didn't exist before because we didn't have these hypervisor stuff until the past year. So it wasn't in anybody's mindset or it wasn't nobody had the ability to test it anyway. So it made sense not to have the code until it was actually usable. So what are we actually using this for? Me personally, I'm using it a lot for testing out different versions of applications all at once. So I use zero tier quite a bit for like SD-WAN networking and I run a lot of regression tests. So you'll see here different versions of FreeBSD listed and different commit hashes of the upstream project are also being tested. So when things break, I can go and have like 10 virtual machines ready to go with 10 different versions of the program and 10 different operating systems all on one physical piece of hardware. And that's allowed us to fix bugs and push ports, get bug fixes for ports a lot quicker going out. Speaking of running different software on this, I decided to install a full XFCE desktop just to show that even though we don't have the SVGA driver, the SCFB or the console frame buffer is supported and will run a full desktop. And at that point you're just doing software rendering but you still get whatever the performances of your CPU and it works pretty well. And here I have Firefox running on both of them. You may have noticed so that the two Firefox instances don't quite look the same and I'm not talking just about the web pages. The actual layouts are a little bit different. On the left on x86 we're running the current version of Firefox 92, but on the right there is Firefox 78 ESR. And the reason for that is because the upstream Rust port likes to break a lot on ARM because they don't treat ARM as a, or especially FreeBSD ARM as part of their regression testing suite. And so it relies on people from the FreeBSD community to find, discover and report the issues when Rust breaks and when that happens every single application that relies on Rust stops working. And one of those is Firefox and there's a few other applications that I use that are also Rust but Firefox is the most notable because it's one of the main open source browsers and without a browser you don't really have a modern desktop. So another great way for anybody who wants to contribute is just to monitor flaky ports like that and keep an eye, test them as new versions are coming out and letting them know when regressions happen because right now it's a very manual process and the more people we have testing that the more chance we have of it getting fixed quickly. I do believe as of a week ago when I last tested this manually compiling Rust and Firefox will work with the current version of Rust and Firefox 92 it's just not a prebuilt package in the current package repository because on ARM those are lagging behind a bit they're not getting recompiled as often but that process takes hours, many, many hours even on my 16 core Honeycomb that still takes several hours to complete. Also on my Honeycomb, this right here is a virtual machine, not the Honeycomb but to give an example, I do have a copy of free BISD 14 current that I completely self-compile at that point. So it is possible just like on the next 86 to run a completely self-compiled environment for the kernel world everything and upgrade it through compilation rather than new binary installs. So I just wanted to show off that like at this point it is a very stable system. It is, I've been doing this for about a year running the same copy of free BISD current and I've taken it from through 13 current into 14 current and it's still running just fine. And I actually have a bunch of jails on it that are running 12 and 13 stuff for different testing and compiling.  I also do fully expect to get completely yelled at for running this as root because I was just doing a quick test but yes, I was running these as root. So my personal project, the latest thing that I've actually been doing with one of my ARM virtual machines specifically on my Mac M1 with parallels is I've been porting the Linux C7 packages or ports over to ARM. As you can see here, it works. Linux later does work on ARM that here's a number of Linux binaries fully working just fine as you would expect. Nothing too complex yet since this is still fairly early in development. Right now there's about a hundred, right around a hundred total C7 ports and all but five of them currently compile on ARM. The few remaining ones I just need to go in and do a little bit of a hackery. It has nothing to do with free BISD. It has to deal with working around upstream bugs in CentOS itself.  I do understand that C7 is very old at this point and we wanna move on to something newer but this paves at least an initial pathway to say, hey, Linux later works on ARM and we have a template for it and we can apply this template to other distributions and getting more Linux binaries working on ARM. If somebody wants to really, really help out in these efforts, there are quite a few ports out there today that have the only for ARCH listed in them and they may list AMD64 or i386 and the reason that they have that is because they may not have worked with an earlier version of free BISD like back in 12 but since free BISD 13 hit and it's now a tier one architecture, there have been numerous bug fixes and the only thing that's preventing certain ports from running is the fact that it's still gated out and so just go through and look at the different ports like you can look at fresh ports to see if there's a compile for ARM or not if there's one for x86 but not one for ARM just go and try flipping this one and only flag and seeing if it compiles and runs and more often not you're gonna see that it will work. So this is just, it's a fairly simple task but it's a time consuming task to go through as many ports as possible and try to get them updated and validated. So right here, I know some people do have some questions about the performance of virtualization. This chart I built several months ago so it's not on the current version of Hypervisor and I do know that they fix some things but just to give you an idea, the three sections of the graph, we have the Raspberry Pi performance, the Honeycomb performance and then the MacBook Air on the M1 performance and sadly I don't have anything to compare the M1 to right now mainly because I only have virtualization and we don't have native free BISD even though I know the BISD and the Linux communities are actively hacking and trying to get other operating systems working on the M1 processors which is gonna be awesome, quite frank. But overall you can see that there, you have maybe a five to 10% performance loss using a Hypervisor except in the case of four core on the Raspberry Pi and I haven't quite narrowed down exactly why that is yet but it could come down to the way the scheduler handles that system a little bit differently or it could also be the fact that I was using a different storage system and I haven't had the chance to go back and look why those results at four core Raspberry Pi flipped in their performance why virtualization was faster than bare metal that shouldn't be the case. So that's gonna be an interesting point of research to go back to at some point when I have some more free time. And lastly, looking ahead to the future VMware just this past week announced that their Fusion Tech preview for the M1 processor is now in private testing and so anybody can just go and they have on their Twitter account or somewhere their blog, they mentioned that you could just email them or register and sign up and they're taking a select few amount of people from the community to test the Fusion M1 Tech preview just so they can get an idea of how different operating system will work on it. And this screenshot is from their official blog and as you can see like all of these virtual machines are running at the same time on a single M1 system and you have a Debian Ubuntu 20, Ubuntu 21, Kali Linux, Fedora Linux, VMware Photon which is what they use for like vCenter and of course down in the bottom there we have FreeBSD 13 and so that is something they're actively looking at and making sure that it is continuing to work and they've been really good at communicating with us back and forth to make sure that everything does work properly for the FreeBSD community. So that's about all I got right now. If there's any questions, I don't see any in the chat. Any in the shared? Will Linux later move to C8 that soon end of life or would something like Alma Linux or Rocky Linux be better? Is in Debian Ubuntu on the roadmap? In terms of that, I don't have a good answer for that because it's more or less what everybody in the community as a whole wants to use for which distributions we wanna support. I believe Bastille Linux or Bastille VST right now is working on Ubuntu Jails and I think that's really, really promising. So I'm hoping to start playing with that and whatever's done for x86 will most likely work flawlessly on ARM at this point. Any information about Beehive on ARM? How does it relate to ESXi? Beehive is, I've heard that there is an experimental version of Beehive for the ARM platform. I have yet to personally test it and I don't know the status of it. The last thing that I heard was at the FreeBSD Dev Summit which I think was back in June and I haven't looked into it since then because I've been busy with other projects. So those are the only two questions that I see in the chat here. I hope I answered both of those to the best of my knowledge. So yeah, like especially with which distributions it's up to the community to decide if there's a distribution that you want start pulling it in and seeing what we need to get it to run. And like I said, even if you start on x86 we can move it over to ARM effortlessly. Most of the work that I've done for CentOS applies to any distribution. It was more or less just getting the package repositories saying, hey, there's more than one architecture. There's more than just x86 architecture. There's other architectures. And so as that work is being done, it applies there. And honestly, a lot of that work, the way that things are being pulled away from x86 into ARM and putting those gates into place, those same gates also apply to risk five. So I'm super excited that more and more people are getting the risk five as well. Cause everything that I'm doing here will apply to there as well with a very simple changes. So I think that's about all I see there. And I'm not seeing anything on our Discord either. So yeah, if you also wanna join our Discord that would be really, really awesome. So just join our Discord. I'll bring that up one last time. Thank you everyone.


ومن آياته أن خلق لكم من أنفسكم أزواجا لتسكنوا إليها الحمد لله رب العالمين له الحمد الحسن والثناء الجميل معشد أن لا إله إلا الله وحده لا شريك له يقول الحق وهو يهد السبيل واشد أن سيدنا ونبينا محمد صلى الله عليه وعليه وعاله وأصحابه والتابعين لهم بإحسان إلى يوم الدين أما بعد ما بلافد بردن سيسرين في الإسلام إن شاء الله تعالى تلعب أنا سأبدأ أبسوط أو سيريزن أكثر على حق الحمد حق الحمد The reason why I thought this was important is because the biggest or the largest amount of questions the largest amount of concerns that is put towards my direction it is due to marriage issues people complaining about their marriage is not being good also people getting married without having correct understandings of what the rulings of marriage are the responsibilities and the rights and the list goes on and I believe this is something that a lot of people would admit who deal with the Muslim communities affairs would say yes I myself the largest amount of questions and concerns in which I deal with is marriage related matters divorce related matters و لذلك it was mentioned Sheik Abdul Aziz من أباز عليه الرحمة الله ومهاله بما يسيره he was asked once in his office and he was asked what are the largest amount of questions that you deal with what is it related to and he said divorces and marriage issues so because this is one of the biggest issues which people question and they ask it then deserves in sha Allah for it to be dealt with correctly sometimes I see two married couples a wife and a husband and they talk about their relationships and that which they are in and when they talk about their relationships or when they speak about their relationship they speak about it as though they're in it because of the less of two harms you know ارتكابوا أخفض برأيين taking the less of the two evils they're trying to say that if I leave my wife right now my children are going to suffer and they're going to find hardship so I'm only in this for my children so the love and the appreciation of one another has actually died out so since that's the case and Allah did not legislate marriage for that He did not legislate marriage so the person takes the less of two evils رضا الله تعالى He made us get married or permitted for us to get married and urged us to get married because of what he mentioned in this آية الله سبحانه وتعالى He says ومن آياتي أن خلق لكم من أنفسكم أزواجاً لتسكنوا إليها وجعل بينكم مودة ورحمة إن في ذلك لآيات اللي قوم يتفكرون so in the آية الله تعالى He says the reason why the two spouses why Allah created one another for each other and for them to be with one another is so they can they can have مودة ورحمة كامباشن ومرسي افرشيشن of one another so the way I plan إن شاء الله تعالى to deal with this issue is to rely on 40 حديث 40 حديث of the Prophet صلى الله عليه وسلم that talk about how to gain happy marriage is there anyone we believe greater than the Prophet صلى الله عليه وسلم is there anyone who would solve our problems give us the right cure then our message of Muhammad صلى الله عليه وسلم the answer is without a shadow of a doubt no so 40 حديث in today's episode or today's series إن شاء الله تعالى I will be in Lail Karim be speaking about 2 حديث so the title of these 2 حديث is going to be حديث that have come in what urging you to get married and the reason why these 2 حديث should be what we start with is because a lot of people look at people's relationships and how it's going and where it's heading and they realize the divorce rate is going up people are complaining about their relationship so what happens to the youngsters and the youths is they look at that and they think that I don't want to get married and they get put off from getting married so 2 حديث to urge them to get married and then إن شاء الله تعالى if time allows me in this episode إن شاء الله تعالى I might mention another 2 حديث which is what a حديث pertaining to choosing the right individual now that we've told you to get married and that we've the حديث have mentioned and we've told you the حديث pertaining to that then choosing the right individual choosing the right individual you want to get married to because it's not just get married to any old woman or the woman it shouldn't be for her to get married to any old guy but rather there should be a correct preference that she should set herself there is a criteria that she has to look for in the person she wants to get married to that works for the man just yesterday I was just yesterday I was with a group of youngsters and the questions that they were putting forward to me we weren't even in London we went outside London and we camped outside it was a camping that we did and so the discussions that I was having with them I realised that it is a very big concern for the youngsters and the youth the issues of marriage and when I've looked at those who've spoken about these issues a lot of them do not bring the answers of those questions from the نصوص الوحيين the كتابن السرنة rather they get it from their own their own intellect and the way they feel and that isn't a problem rather it's needed your experience is also a form to guide and to help no doubt about that but the first place to get it from it should be the كتابن السرنة because as we always say my beloved brothers and sisters Allah created us and it's the same Allah that created us the one who legislated and the way we are created and the way Allah modified us and made us there's nothing that can answer those concerns of us and our needs accept the revelation accept the textual evidences they're the only things that can meet our needs so insha'Allah without any further ado I'm going to start with the first حديث this حديث الامام البخاري and the muslim both narrated it الامام البخاري and the muslim both narrated it من حديث عبدالله من المسعود رضي الله تعالى عنه on the حديث of عبدالله من المسعود may Allah be pleased with him عبدالله من المسعود said كنا مع النبي صلى الله عليه وسلم we were with the messenger صلى الله عليه وسلم if we couldn't find anything فقال لنا رسول الله صلى الله عليه وسلم the messenger said to us he said to us يا معشر الشباب oh youngsters youth من استطاع any one of you who is able البائتها any one of you who has the physical ability who also has the financial ability both meanings insha'Allah the ba'a means a man who has the physical ability to fulfill the desires of his spouse or the youngsters youth who has financial ability he has money فليها تزاوت get married why فإنه أغض للبصري فإنه أغض للبصري because that is what allows you to lower your gaze وأحصلوا للفرجي وأحصلوا للفرجي and it is what safe gods it's a fortress for your private part وما لم يستطيع the one who doesn't have the ba'a he doesn't have the financial ability or he physically can't fulfill the desires فعليه بالصوم أبنه يسفر فإنه له وجاء that is a wija a wija as we said is to castrate that castrates your desires and it eradicates it and gets rid of it fully as I said this hadith is narrated by Bukhari and Muslim and the wording is the wording of Imam Bukhari رحمه الله so here this hadith allows us to understand that marriage is a prophetic guidance it is هدو النبيينة it is the guidance of our prophet and also the prophet who came before him it is from his sunnah عليه الصلاة والسلام it is from what it is from his sunnah عليه الصلاة والسلام and to turn away from marriage without a justified reason العراض عن الزواجي to turn away from marriage من غير عدر شرعي without having a legislated reason it is you having if you do that then it means you have passion in other than the sunnah your desire you want to be on a path other than the path of the prophet which is you having رغبة عن sunnah عليه الصلاة والسلام and that is basically the hadith of Bukhari and Muslim and the wording is the wording of Imam Bukhari من حديث عليه الصلاة والسلام in which he said جاء ثلاثة رحط إلى بيوت أزواج النبي صلى الله عليه وسلم three men they came to the house of the prophet صلى الله عليه وسلم يسألون عن عبادة النبي and they asked the prophet to worship how is his عباد alike what kind of person is he when he comes to worshiping الله تباركة when he comes to worshiping الله سبحانه وتعالى فلما أخبروا when they were told and they were informed كأنهم تقاللوها they kind of they kind of belittled the عبادة that was told to them so we don't say they belittled the prophet but they belittled the عبادة that was told to them ابل حجر if I'm not wrong and because it was long time when I looked at it ابل حجر mentions the reason they belittled the عبادة was from the direction of who told them the person who conveyed it to them and the explanation that they gave to them was something they belittled but in the reality and the real essence of the prophet's عبادة is not something a person can belittle the reason why is because he used to pray صلى الله عليه وسلم وعلي حتى يتوررت قدمة until his legs would swell and he would bleed so somebody like that his worship is not something you can you can belittle but anyways they said where are we from the messenger صلى الله عليه وسلم اين نحن من النبي صلى الله عليه وسلم قد غفر له ما تقدم من ذنبه وما تأخر he has been forgiven for his past sins and he's also been he's gonna be forgiven for his upcoming sins so where are we from him if he's doing this عبادة if he's working out and he's also forgiven then who are we who are we in comparison to him so one of them said اما انا as for me فإني أصوم فإني أصلي الليلة أبدا I'm going to pray every night forever وقال آخر and another one said انا أصوم I'm going to fast ادهر ولا افتر I'm going to fast continuously and I'm not gonna break my fast the other one he said انا عتزلوا النساء I'm gonna distance myself I'm gonna distance myself from women I'm gonna leave the women فلأت زوج أبدا and I will never get married the prophet SAW came and he said to them انت من الذين قلتم كده وكده are you the guys are you the individuals who have said this this this this then they said yes then the prophet said to them اما والله بي الله إني لاخشاكم للله I am the one who feels Allah the most واتقاكم له and I am the one who has the most piety لكني أصوم وافتر but I fast and I break my fast وأصلي وارقد and I pray and then I sleep and relax I lay down واتزوج النساء and I marry women فمن رغب عن سنة فليس مني anyone who shows desires who shows passion to other than my sunnah is not from me so those two hadith which hadith are my referring to my beloved brothers and sisters the first two hadith that I am referring to here is and I am still on the first hadith by the way I am just explaining the first hadith is the last hadith of عبدالله من المسؤول رضي الله و تعالى sorry the first hadith of عبدالله من المسؤول which is this صحيحين are you with me and the wedding is the wedding of Imam Al-Bukhari and the second one which is the hadith is the Alice of the Malik which is also Imam Al-Bukhari and the wedding of Imam Al-Bukhari both those narrations they show us how the Prophet ﷺ urged how he pushed one to marry him but the second hadith gives us another understanding which is that marriage is the Prophet's guidance is his sunnah it is his tradition ﷺ so one should not say or a person should not say well I don't want to get married and he is able to get married and he has the ability to get married also this hadith my beloved brothers and sisters to the youths youngsters this hadith teaches us that marriage is what can allow you to lower your gaze it makes a person lower their gaze once you do get married because you have your desires fulfilled you now lower your gaze it allows you to focus on other things in life now whereas when you are not married then your mind is always thinking about this و أحصنوا للفرجي marriage is also a fortress when you get married it's like a fortress that protects you from what's outside getting married protects your private part from you going to commit haram now the shari'a which إن شاء الله تعالى I'm going to expand on it later when I go to the hadith to come but what allows the man what allows a man to lower his gaze and for his and for his for his private part to be protected from going to fulfill anything which is haram is when he has a wife who fulfills his needs who fulfills his sexual drive if the wife her existence is like her absence if she's like a person who's not even there a salatan she's not there to fulfill her husband's needs she does not dress up for him in which he can then focus on her appearance then a lot of the times the problem that occurs is that individual is lowering the gaze this man he won't lower his gaze and his private part is not protected for him now that doesn't mean that if the wife is not fulfilled the sexual drive of the man and he's allowed to go and look around but what it means is that the marriage here that's been spoken about which the youngster the youth is told to go and get married because it will protect you and it will also protect your private part means the wife when you go home and you look at her she's there to dress for her husband to look beautiful and appealing to him and she's also ready to fulfill his desires but a wife that doesn't do that then the husband will lack the two of those characteristics from that marriage meaning for him to lower his gaze or for him to protect his private part otherwise in other words if the husband isn't doing the same if the husband is not fulfilling the desires of his wife and he's not doing what she needs from him then also it causes a problem especially in this society that we're living in in the west where the doors of فحشاء and منقرات are open a husband has to realize and the wife hasn't left her house your wife when she got married to you she didn't walk away from her dad's house and her mom's house for a food and a shelter she had those two in her parents house she had that in her parents house she left her parents house so you can fulfill her desires so if she's in your life and you're not doing that then it also becomes a problem for her to lower her gaze and for her to protect her private part and brothers and sisters this is very important that we understand this because you find on both sides there's a complaint on this issue a wife that complains of her husband depriving her from this right of hers and so she feels her that her husband is not doing her justice and when you find men who say the same about their wives that she's not fulfilling what I need from her as a husband my desires so this causes big problems it causes a big problem and that we need to keep that in mind then the next part of the حديث it says there comes a person who's not able to financially get married he does not have the ability فعليه بصوم this individual it is upon him to fast he has to fast what I mean by fasting is that you stay away from food and drinking you stay away from your شهوات your desires from sunrise to sunset look at this it's very important that we analyze this حديث and we understand it properly the حديث says get married if you're able to and if not fast it didn't give you a third option the third option that nowadays the youngsters in the youth have given one another is to fulfill their desires by using their body parts for example they use their hands to fulfill their desires and it's تمنا which is that the person he uses his hands to fulfill his desires this شرع اللي يدرس in الشريعة it is not permissible and it's حرام and it falls under the statement of Allah when Allah mentions the issue of marriage and the men get in marriage look what Allah said those who save God for private parts who do they safeguard it for then the ayah says and anybody who then tries to look for another way to fulfill his desires then they are the ones who have exceeded their limits they are the transgressors they are the criminals pay attention here they protect their private parts so they can fulfill it with their wives and that which their right hands possess but the ayah after that it says if they try to find a means other than the aforementioned then they are transgressors and criminals so these other methods and forms which people fulfill their desires without their wives and their husbands so the person isn't married he doesn't able to get married he wants to get married but he goes out and he fulfills his desires by for instance masturbating or things like that this is not permissible rather it is realized from the lehia of the shari'a from the angle of the shari'a and the shari'a only gave us fasting as an option medically it is realized medically that it has great side effects and that it could cause a lot of harm a lot of illnesses to the male who does this and you have to know my beloved brothers and sisters if the shari'a closes a door if it blocks a door if it then that door the reason why it got closed is for your own masala it is for your own good and for your own benefit if you fast that fasting that fasting male or female it will castrate your desires meaning you will not have what you will not have shawa you will be like an animal who got castrated whose vein in his testicles was taken out no more sexual drive fasting that's what it will do to you so if the prophet SAW this is what fasting does to you it will get rid of your desires for you wanting to commit zina then we believe what the prophet SAW said what the prophet SAW said فعليه بصومي فإنه له وجاءون فاستن is a form to get rid of that drive the reason why is because fasting as they say it tightens it tightens your veins when you fast your blood flow goes slow that's one thing that's good especially when it comes to the issue of sexual drive one thing is شيطان runs in the vein of the human being الشيطان يجلي من يبنو آدم مجر الدم شيطان runs in the person's veins so once you fast you are weakening شيطان you are weakening him and so because of that his whispers and his speaking to you will become much less so that's first حديث that we're going to take in شاء الله وتعالى it is to urge it is to urge people to get married ترغيبوا في الزواجي the second حديث is the second حديث is حديث which امام الترمذي النسائي عن ابنوما generated امام الترمذي امام النسائي امام النسائي امام النسائي that the messenger عليه وسلم he said ثلاثة حق على الله عز وجل عونهم المكاتب الذي يريد الأداء والناكح الذي يريد العفافة والمجاهد في سبيل الله ثري الله سبحانه وتعالى place it on himself to aid them to support them ثلاثة ثلاثة الله يجعله باني on himself to aid them and support them من ثلاثة الذي يريد العفافة الناكح الذي يريد العفافة the one who wants to get married to protect and to be trust to protect his private part and to be trust that's the aim and objective and why he wants to get married he's doing it he's doing it to be trust he doesn't want to go out and come easily if a person is sincere and he really wants to get married for what reason and the harami to protect himself from the harami الله تبارك وتعالى is going to aid you and Allah is going to support you Allah is going to aid you with what he will aid you with financial support and Allah will aid you also by keeping you trust ابن كثيرا رحمه الله he said والمعهود with that which is known من كرم الله from the generosity and the kindness of Allah is and his tenderness رزقه وإياها بما فيه كفاية الله ولها الله يوجد for you شيء that suffices you and suffices the woman you're going to get married to this is what Allah takes on himself and this is what Allah the first part of the hadith mentions it ثلاثة three types of people حقنا على الله حقنا على الله he means what تفضل من الله it is a virtue from Allah on his slaves I'm going to bestow my mercy on you by doing this to you you want to get married? Allah will make you He will allow you to get married find you the finance and the money and I've seen people who were struggling and they didn't have the money and once they got married Allah opened those for them وأنكحوا الأيام منكم وصالحين من عبادكم وعبادكم إن يكونوا فقاراء يغنيهم الله من فضل if you're a poor Allah will provide you إن يكونوا فقاراء if they are poor الله تبارك واتعالى He will provide for them so Allah says إن يكونوا فقاراء if they are فقاراء مساكين يغنيهم الله من فضل الله will make them rich from himself but what did the eye begin to say وأنكحوا الأيام منكم marry off the girls that you have if a poor person comes to you don't worry Allah is going to provide it for you انه who why wouldn't Allah provide for him He is إن يكونوا فقاراء He is a person who wants to get married and he's trust so this my brother and sisters those of us who have daughters those of us who have daughters whose daughters are mature and they're with us and you see a brother who sincerely wants to get married then why would we hold back our daughters from marrying them off to these brothers why will we with the condition of course that our daughter is willing and wants to get married and she also doesn't mind us marrying her off to this individual so those are the two حديث إن شاء الله that I'm going to be speaking about in this series the first series إن شاء الله and those two حديث is الحديث الواردة حديث that have come أترغيبه في زواج أجيب بيبو تجعب معه anything which I had said that was wrong is from me as shaytan because Allah needs a message of free from it سبحانك اللهم بحمدك الشدوء اللى إله إلا الله استغفرك واتوب إليه


The meeting is now live. Hey, everybody. I don't see John, but let's go ahead and get started and I'm sure he'll join us as he can. So I'll call to order. Let's do a roll call vote. Chair Rogers. Here. Member Schwedhelm. Here. Let the order reflect that all subcommittee members are present with the exception of member Sawyer. He did email me and say that he was not going to be able to make it today. Okay, great. Let's go ahead and jump to public comments then for non-agenda items. If you have something that falls within the committee's jurisdiction, but it's not on the agenda, hit the raise hand feature on your zone. I don't see any. We'll go ahead and keep moving. Let's go to approval of minutes. We had a special meeting on October 27th, 2022, Council Member Schwedhelm, did you have any amendments to the minutes? I've got to abstain from that. I was not at that meeting. Okay. We'll go ahead and hold that over to our next meeting then. Since we don't have two members to be able to vote on it. So we'll just go ahead and pull that off of agenda for now. We'll come back at our next scheduled meeting, which should be in January. Let's go on then, Alan, to item 4.1. Sure. So Chair Rogers and members of the committee, this item is to talk about the CalPERS unfunded actuarial liability and provide an update on where we are with the latest CalPERS investment return. I'm going to introduce you to Scott Wagner. He's the deputy director for finance. He's been in the job for about six months, but he's been with the city for a lot longer than that in the full financial reporting and budget area. And he is definitely the city subject matter expert when it comes to CalPERS all things there. So good on us to have him as the deputy and I thought of no one better to be able to lead us through this discussion. So with that, I'll turn it over to Scott. Thank you, Alan, for that introduction. Chair Rogers, committee member Schweldholm, I'm happy to be here to present this item on CalPERS. Our goal for this presentation, as Alan said, is to recap the last year with CalPERS, including the investment returns. I'm going to provide some historical context for that, give a projection on where we believe we're headed. And we'd like to receive some feedback from the committee on a potential strategy for use of the section 115 trust. As I go through the presentation, I've tried real hard not to put a lot of numbers, graphs or technical CalPERS jargon on here, but as you may have questions, please feel free to ask or hold them till the end. And I'm happy to dive in it in any subject on here. So with that, can we go to the next slide? So the headline of this meeting is that CalPERS last year's investment return was a negative 6.1%. This is a not a good result and the worst result that the fund has seen since 2009 in the great recession, we're going to start to feel the impacts of this last year's return starting in 24-25 and that's going to ramp up over a five-year period. That loss will be amortized like any other loss that we have now over a 20-year period. As we move through some of the tables that we're going to see here coming up, I want everyone to keep in mind that we've done these projections based on CalPERS earning their expected return of 6.8%. For this current fiscal year and fiscal year is going forward. We know that that's going to vary from year to year, but we expect that over the long run and as that changes here on staff, we'll continue to update our numbers to have better pictures of where we're headed. Next slide, please. So this first slide shows that variance of return over the past 15 years. There's a couple of really big events on year. First, from left to right, it would be the great recession where we experienced a major loss of 23.6%. Over to what I would say is that the most recent major event, which was two years ago's, COVID-positive returns of 21.3%. When we look at this graph, the thing I want to point out is the red line first. That red line represents CalPERS discount rate and what the discount rate is again is what CalPERS expects to earn on an annual basis. And from my point of view, I like to explain that line right there is what I feel is 0%, meaning that in reality, let's say if we were to look at the most recent returns that CalPERS has had that negative 6.1%. In reality, they were expecting to earn 6.8. So we need to reduce that 6.1 by an additional 6.8%, making the true loss off of what our expected return was, 13.9%. The same can be true of the prior year's very positive return, meaning that it's not quite as good as it sounds. The 21.3% reduced by the 6.8% number goes down to 14.5%. And I know I promised not a lot of numbers, but I'm already going through a lot of numbers, but think about it like this. The two numbers I just broke down get us to right around a 14% loss and a 14% deane between those two years. And so what I'm saying is that between the two years, it's kind of at an even. And what's important is that last year at this time, we were feeling very positive about things, meaning that the fund had made an incredible return and that was gonna solve a lot of upcoming rate increases for us. And what's happened is really, Lucy has pulled the football from us and that reality is no longer the case. We're on basically the same track we were headed on before, unfortunately. So another thing that this red line really points out is how the discount rate has been reduced over that time. As you can see in 2007, it was as high as 7.75% and now we're at 6.8%. That's really important because small changes in our discount rate have a massive effect on our unfunded liability and therefore the payments we're making. Off of the current year's estimates, if the discount rate were to go from 6.8 to 5.8%, that would equal about $150 million worth of unfunded liability for the city as a whole. So that's just to give you a scale and a scope of how much 1% difference makes in these numbers that are really big. And as you can see on here from 2007 to 2008, we just about hit 1% in a reduction. Can we go to the next slide? Thank you. So let's look at some historical numbers and kind of see where we've been. So just going back five years, the unfunded liability payment for the general fund was right around $12 million, $11.7 number. As of last year, that number was double. It was the $22 million number. And I wanna give a context on why we've experienced that increase and why it keeps going up year after year. There's really three main reasons. That reduction in the discount rate that we just spoke about, you need to pay for it. And the way we're gonna pay for it is through increased payments through our unfunded liability. Policy changes at CalPERS, which we can include the discount rate, but also amortization policies. CalPERS changed the way that it valued its assets back around 2013. And to summarize the effect on that, one of the major effects was that it drastically shortened how long the city is gonna have to pay off losses. The prior policy created a way that really we would be paying off our annual losses, sometimes up to even 50 years, it would take to pay them off. And just like with a credit card or any other interest loan where you're paying very little, it takes a very long time and you end up paying a lot of interest. The reforms in 2013 made that more like a home loan or a car loan where you're making more of a fixed payment and that amortized much faster. That amortization went to 30 years at that time.  And they're retroactive in this case, meaning we had to catch up on all those very delayed payment terms and we are experiencing that on this table. That is why our payments are going up. We are on a track towards increasing these payments to start paying down our unfunded liability. Next slide, please. So let's talk about where we're going. As I mentioned before that negative 6.1% return that we experienced this last year is gonna have a major effect. Let's go through these lines. So our UAL payment as of 22.23 is $31 million. By 30.31, we expect it to be as high as 44 million. Again, we are really ramping up a payment schedule with CalPERS, getting to a place where we're gonna start paying this down. The next line shows that impact of just the losses from 21.22 to illustrate how impactful they were. We're gonna max out around a $16.7 million impact just from that one year's losses. I show the funded ratio for the plan showing how over time this is gonna increase our funded ratio of our plan. So it is doing what you would expect it to do. The more we pay, the better off our plan is gonna be from a funded basis. That last line item we're gonna talk about a little bit more in depth in a couple of slides, but what we're gonna do is we're gonna propose a slight mitigation towards these impact through the use of our 115 FUS, 115 fund, which I'll talk about in some more detail in a minute. Next slide. I've given the same kind of impact for water as they are a full participant at this point in the 115 trust to show their numbers, obviously just a much smaller numbers, but the same concept, they're following the same pattern as a general fund. Next slide, please. So this shows how our unfunded liability is going to amortize and be paid off over time. To use just a simple analogy is we are hiking up a mountain and we are gonna continue to get higher and higher and those steps are gonna be harder and harder for us to take. But what's important that is shown on here is that eventually we start really making a dent and coming back down the other side of the mountain. What we are trying to do is trying to mitigate the height of that mountain through any way we can and this way we're gonna talk about today is the 115 trust. Next slide. So when the trust was established, there was a couple of metrics that were talked about and established to kind of give us a framework for how we were gonna use it and how we were gonna fund it. We worked with PFM at that time, which is our advisor to help us understand what a funding goal for a trust like this should be. And some great feedback that we got from them was that really their other agencies that have been successful have set a funding goal to equal one year of their payment schedule, which is around their current payment for their unfunded liability. At that time, we had kind of pinned that number around $26 million. The powerful thing that also happened as part of this discussion on how we were gonna fund the trust was we not only identified a one-time funding for it, but we established a way that we were gonna fund it in the future. That mechanism being that the city currently makes payments to pay off of our pension obligation bonds that we sold in 2003 originally, and those bonds are gonna be paid off here very shortly. Right around this time, even next year, they'll be very close to paid off from a funding basis of the city. Once that's done, instead of releasing that funding while we know our pension costs are rising, we're gonna redirect those funds instead of the debt fund into the pension obligation, excuse me, into the pension stabilization fund. Annually on an annual basis, this is probably around $3 million. Give or take in the future of what that number will be. So it's gonna give us some funding mechanism to get the money in there was our thought at the time. Now, when we proposed that ongoing funding, what we spoke about though, was that we wanted to have some flexibility to come back at another time, in case a major event were to happen that caused a major spike in our CalPERS payments to maybe look at using funding at that time to alleviate any major strain on our funding. And unfortunately, I think that is the case that we're in today, which is why we're here to discuss it. Next slide, please. So what we're gonna be proposing is that as we begin to see the impacts of this current year of loss hit our payments to start making withdrawals from our funds to alleviate and mitigate those impacts. Now, the framework that we're suggesting today is that we would not be reducing the initial payment and the initial deposit put into the trust. Instead, we would be redirecting the pension obligation bond money that was put in there to gradually start easing our way into this payment schedule as opposed to just a quick hit to our payments. Our goal would be to keep our principal balance as is so that the time value of money and our investments in there can grow that principal over time to still meet our overall funding goal. But that is our current thought process. Increases and decreases for future years and investment returns over the next couple of years are gonna really determine whether or not we wanna necessarily stay with that as we can see from our past experience over just the year and a half, a lot can happen in a very short period of time. And we're gonna suggest that we should be willing to be flexible with that. But we really wanna hear the feedback from you both as far as hearing it, this is where you feel we may be going in the right direction or to maybe alter that path. With that, I know I covered a lot of information very quickly. I would be happy to field any questions. Council Member Schwedhelm, do you have any questions to start? I have no questions. Really appreciate the information, it's gotten the way you presented it. Thank you. Yeah, I mean, it's unfortunate that we have to be considering using the 115 trust sooner than I think any of us would have liked and I think that most of us would have liked that we never have to actually touch it. But that is what it's there for us for us to figure out how to stabilize by flattening the curve to use the term we've all become much more familiar with. Yes. I don't have any questions about it. It makes sense. That's great. And I know that Alan and myself, we've had very in-depth and long conversations regarding this. There's one thing I wanna highlight that I missed is that we really looked at a lot of options. And we did our due diligence in the finance department to not just look at this type of methodology. We also worked with CalPERS Actuary Office to reach out to them and did some additional work on potentially maybe making an initial payment to them now from our trust versus later. In the end of that discussion and our research on that is that the savings of us making a payment to them now didn't really warrant the flexibility loss that we're gonna have from paying them now. So we would have saved, let's say $500,000. But at the same time, we're gonna lose that because of the control of those funds over that time. And additionally, we feel that we're gonna earn, we have the ability to earn maybe that money at the same time with our own funding in-house with due this fund. And I also kind of wanna spend a moment just to shout out our staff. The numbers that you've seen do not represent numbers that are just given to us by CalPERS. We were able to provide our own analysis through contacting CalPERS office, getting updated projections. And I'm really proud of staff and ourselves, specifically Tricia, thank you for your help with this. I'm sure you're listening because this really represents a really great job and providing up-to-date information past what CalPERS gives us. Tom, anything else? Other than I'm fully supportive of the staff recommendations. As you said, Chris, it's unfortunate but it's definitely the way to go. And I'm glad that we had already made the decision to establish this trust. Just wish we didn't have to tap into it so early. Right. And I appreciate the explanation too about essentially prepayment versus the path that's helpful. Let me go to public comment and see if there's any questions or comments from the public. If you do have one, go ahead and hit the raise hand feature on your Zoom. All right, I'm not seeing any. So I'll bring it back to see if there's any additional questions, comments. Last minute thoughts, Alan or Scott? All right, I appreciate that. Let's go ahead and go on then to our next meeting agenda item, item number five. I'll kick it over to you, Alan. Sure. That meeting will be, it'll be a special meeting. It'll be at the end of January and we'll do the budget performance for the first half of this current fiscal year. And that's, I think that's the main item that's there. If anything else comes on, we'll have it on the agenda going forward. But that's the main thing that we'll need to talk about. Okay. Tom, you'll be there, right? In spirit, absolutely. All right, let's go to public comment, see if anybody has anything that they'd like to see on the agenda as well. All right, I don't see any hands. So I'll go ahead and bring it back. Anything else, Tom? Nope, thank you so much, Alan. I really appreciated your leadership on this committee. It's been very helpful and it really, I think adds value at least from my perspective and for the whole city. So thank you. You too, Scott. I've seen your name on a lot of lists, so it's nice to finally actually see your face here. Excellent presentation today though. Thank you. Thanks, Scott and Alan. And with that, we'll go ahead and adjourn. Thanks everybody. Thank you.


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