We've got about 10 or 12 minutes or so for questions. As I said earlier if you could put your hand in the air and give us your name and your affiliation. If you have got a question, you'll have to sort of catch my eye. It's quite a tricky room to chair because I can barely see the back. But, in the absence of a starting question I will kick in. I chair Lighthouse here in Brighton, a new NPO, digital specialist agency. One of the questions I think that is coming through is, and this has come up at other events as well, there are particular objectives around business model developments and audience engagement for this fund. Does that mean artistic innovation per se, isn't included, isn't eligible, won't score highly? Or is it the case that artistic innovation has to run through the whole thing a bit like, Gwelch chi'n gweithio'n mynd i ymddangos i fynd i'r rygwb. Gwybod chi'n gweithio'n gweithio'n gweithio? Rydych chi'n gweithio? Rydw i'n gwneud. Rydw i'n eich cymdeithas gyda'n du gwybod sydd y mae'r enthysgwyl ar y llyfr sydd yn gweithio'r gweithio'r llyfr o sefydliadau gweld ei hyfforddiol i'r hollios ymddangos i'r guwntiau a'r gweithio'r llyfr o gwleidio ar y llyfr filed calling branches and other strategic funds to invest in artistic innovation through digital technology or not The point about this fund is that it gives us an opportunity to focus, not an enormous amount of money in the scheme of the Arts Council's Budget, on ways in which organizations can address the key issues of developing their audiences a chwmbr hatching new business models and revenue streams. If they are able to do that or choose to do that through means that involve artistic innovation, then that's fantastic. But it's not necessarily a pre-requisite and if projects that are involved in artistic innovation do so without necessarily demonstrating that they are hitting those other issues of audience development or new business models newrevenue streams than they won't be funded through this scheme. So, I hope that's clear and it's certainly something that we've thought quite carefully about and talked to the sector about, but it is an issue that we take quite seriously because we do support artistic innovation very much so, but we have to see how this focus for this particular fund will help us to address the purpose that we've identified for it. So, there's a logical follow up to that which is both you and Hassan have said that this fund is to some degree testing and piloting some elements that may be used in the larger £20 million fund later. Same question, £20 million fund, is it the case that the criteria of this fund will roll into the bigger one or is there something else involved in that one? Do you think? I know it's early days for that. Well, as I've said, we'll be announcing the details of those funds later on in this year, so it would be inappropriate for me to entirely pre-empt that, but the same answer would apply. So, if we were focusing that fund in a way that meets the needs of organisations to help them to reach new audiences and to address new business models and revenue streams, then that's really where the focus needs to lie. Artistic innovation would be the means by which we would do it, not necessarily the purpose for the fund. The overall £20 million digital innovation programme that we'll be announcing will cover a wider range of initiatives and ways of us supporting the sector, but I've already talked about the importance of our investment in the national portfolio organisations, many of whom will be wanting to support artistic innovation and also I've also pushed the Grants for the Arts programme, where we will absolutely want to encourage organisations who are not MPOs to apply for projects that offer artistic innovation as part of what they're trying to achieve as well. Okay, question or comment from here. What's your name? Where do you come from? Hi. Julian Jordan from an organisation called Right Out Loud. Hello, Julian. A poetry organisation with a big successful website. My question is to do with this partnership issue. Forgive me if I've not read the documentation sufficiently. Is it essential that one of the partners is a digital organisation and the other is an artistic organisation? Or if there were some other elements, for example, we have to be pretty good at both sides of things, well, we're not somebody good at research and developing business models. That would be useful for us to be able to partner with an organisation with respect to the business models notion. Passan? Okay. The proposals need to be led by an arts and culture organisation in England, so that's a requirement of the scheme. As I said, we've been trying to lower as much as possible the barriers to entry as it were in terms of definitions of what an arts and culture organisation is, because the key focus, as I said in this fund, is the knowledge that's been created rather than actually where that knowledge is being created. It is essential, we are insisting that they partner in their bid with a technology provider, but again, we've tried to be very clear in our definitions of what a technology provider is. That doesn't necessarily mean a listed technology company. It's essentially anyone who provides a technology service can demonstrably put into their applications that they provided a technology service that's relevant to the project in question. If you're one of those many organisations that find yourself partly self-identified as an arts and culture organisation in terms of what you do, why you do it, how you're funded, for example, on one hand, but also using technology, maybe even developing new technology and holding IP, then you're in a happy situation where you can identify yourself as both an arts and culture organisation or as a technology company. Because what we're trying to do in this fund, we can't do everything with it, not least because it's not a large set of funds, we've had to make some sort of decisions on what we're really trying to achieve through it, and one of the things we are trying to do is partner organisations that typically would struggle to get funding to partner, and therefore that means we're ruling out situations, unfortunately, if you have one organisation that finds itself having the in-house technological mouse to do what it wants to do. If it's an arts organisation that already has that, we are still to be clear, we are still insisting that they partner with a technology provider. Second part of that question was, what if you need help with the business models piece? Well, actually, and this is connected to the bit I didn't answer on research, just to be absolutely clear, the reason why we are working with the HRC to provide research services for this project is that we're not expecting arts organisations or technology companies for that matter to write research proposals. The emphasis must be on a clear testable proposition and a relevant proposition about innovation insofar as it meets the fund's objectives. A burning question that the arts and cultural sector needs the answer to, but we're not expecting the proposals to build in research design and research methodology. That's the whole point of us connecting with the researchers, so you don't have to have any research expertise whatsoever as either as an arts organisation or a technology provider to apply for this fund. So at risk of me sounding thick, which is one of my favourite hobbies, does that mean if I went to a university and I went to the business school and said to the business, and I say, I've got the technology, I've got the artistic bit, I go to the business school and so you want to research your business model question, is that in scope? A business model question is certainly within scope, but what we're not expecting organisations to do, in fact we're not requiring them to do, is to go and find, identify their own business school. I mean essentially it's it's down to us to ensure that the, all the relevant research services that an organiser, a project will need are essentially available and that's our responsibility as funding partners to ensure that happens. Okay so you'd help do that matchmaking if that was the question, if that was a research question, you and the HRC? And even that's tricky of course, we appreciate some organisations already have established relationships researchers and but many don't, and we had to make a decision on this and what we felt was that the needs of those organisations that don't have established relationships with business schools for example is something we need to cater for. Okay that sounds like a fairly full answer, yes. Okay we've got time for a couple more, there's one just towards the back near. Andrew's got the mic I think, then what next? Then we're done I think. Ie, dweud o gwbl ddechrau'r cwmhwylliant yw'r tybl o'r twfio cyf кот o'r cyfwilio'r cyfwilio'i gynhyrch o'r cyfwilio'r cyfwilio'i gynhyrch o'u gwbl o'r cyfwilio'i gwmhwylliant yw'r cyfwilio'i gwanigol. Mae'r dweudio y gael y dŷlwll yn y dyfodol gweld o'r dŷlwll yn cyfnodig o'r ddygiadau digital, i wneud ei wneud gyda'r un o'r amser, i ddweud o'r un o'r cyfnodig oed o'r gweithio. O'r wneud efallai mae yw'r ddych yn cyfnodig o'r dylwn ni'n myfnodig o ddweudio'r ddygiadau, You encourage new opportunities and new relations, since we are at the league again. Okay, let's try and clarify that. Richard is that for you, initially at least? Mae'w dweud i gyda'r dweud. gan gyflaun bod gwych yn rhoi'r ddau, ynrian o'r ddau o gwadygol, fyddai gweld i'r ddigion ei ddylau. Ond mae'n nhw, mae'n ddigitwch gyda'r ddigitwch gyda'r gwahodannu Dychdoedd digital yw ychwanegwyr o'r amgwen yn i gael gyrfaen newydd aespaniaeth. The way in which digital technology can help organisations to develop their business model or identify new revenue streams as a result of any kind of digital technology partnership that they can facilitate is also part of what we are trying to achieve. fe yna'r defnyddio nifer y gael fy modd neu'n totod y茴! A gwneud hynny'n dwy gan thril i ddau? Felly ond, ydw i'n ffrindnu eich cymryd, Richard, mae'n fawr i'r aml fractionnol gyda'r ffund ereresi nhw teimlo o'r ffordd o'r reilio. Efallai eich cymryd yn fawr i'r ffordd o'r eilio lle cyntaf o'r ffordd o'r reilio. Mae'n ffordd o'r reilio, ac mae'n ffordd o'r ffordd o'r reilio. Ond mae'n lleol i'r lleth, That is defined in terms of what that actually means in pumpkin and business model innovation. It is and all business model innovation. So my project does not necessarily have to test prepositions around both innovation and business model innovation. It could be one or the other or both. We want to keep that flexible. But those are the two aspects of innovation that we are focusing primarily in this fund. So Richard is absolutely right in some sense the answer is both. roedd y gallwn dod yn ymweliadau gwahanol dim, i wnaeth roedd o'r hun o bobl. Roedd eich cerddur arcofael i'r math newydd, mae wnaeth hyn yn fwy o defnyddio'r hwn ar gyfer, ac mae'r penderwys i'ch hyn arwain y rôl. Mae yw'n hefyd, dywed yn rhaid i. Byddwn i yw 60mm cymryd yw hwn, wrth gwrs mae'r hun o rheswm fyddiwch ar y call. Mae gydwy'r hun o wybodaeth Gwgol yn gydwbl hwnnw mewn gydwledig. pepper nawr yw'r hun o'r wybodaeth Gwgol ond yn cael ei wneud iawn a'i ddechrau'r ysgolion. A'r rhai wneud iawn i'r ffwrdd yma, y gallwn cyffredinol o'r ffordd iawn ar gyfer yr ysgolion a'r hyn yn cael ei ddechrau'r cyffredinol o'r ffordd iawn. A'r wneud bod y gallwn gweld effaithio'r arser i'r pathenau, yn dweud i ddod ar y sgolion sy'n iawn'r ysgolion mewn UGC, dystryb uchwyn, ymgyrchau'r ysgolion, data and archive, education and learning and resources were pretty much that's what came out of the exercise and obviously we'd welcome feedback on the process that we used to identify their themes but they really you know they also seemed pretty intuitive actually to us as well I think in terms of our prize and as I say any propositions to test either audience engagement innovation and or business model innovation and we're under no illusions here about obviously the challenges in in sort of experimenting with new business models in this area but both of those would be in scope do they hopefully Maxine I don't know if that answers your question between us yeah is that okay and so and and the sixth one resources is a strange word isn't it because it sort of means using digital technology to do things more efficiently to make your organisation more resilient that's come up previously so that would sort of cover more of your business models and IP piece that's come up in previous sessions it's just worth flagging okay one final question if you can please Angela I'm sorry culturally from Discover Story Center in East London we're a new NPO you might have just answered my question which might make your my question short and your answers short but we are currently looking at developing a digital story based project with a digital publisher for children and young people so it's absolutely about reaching new audiences it's about engaging it's about content because it's about working with artists the the the new revenue stream element of it because the idea is it goes it's directly reaching children rather than through agencies of schools or whatever so how you create a new revenue stream I haven't got a clue so that I suppose my question is I think you kind of answered it where it could be either or but if it's going to be an incredibly competitive a part of I suppose in a way part of the R&D might be working with Nesta on how do you is it possible to develop a revenue stream a business model from something that's directly reaching people who don't have an income stream does that make sense it does and I think it's obviously a very good illustration of how challenging it is to explore new business models if it was a straightforward as knowing you know if we knew the answers to those questions we we wouldn't have the need for the R&D so I think um I mean just to be clear although it would be a very very competitive process we imagine and certainly the signs are that there's a lot of interest in in this you know funding streams for this sort of activity um the the selection criteria are very very clear here on you know the proposition the relevance of that proposition to the wider arts and cultural sector um and uh and we therefore there is no in built bias against R&D projects are more riskier than others let's put it that way I mean you know I mean almost by definition I mean there's one reason why we're doing this sort of fund is that we want to support testing the prepositions which would be very difficult to do otherwise and and that inevitably means an element of risk so so I I certainly would feel that sort of challenge that you described does not rule you know does not rule such a project out of the scope for this fund um Richard do you want to add anything to that or does that fit? No it's great brilliant okay there we are we love each other hopefully that was slightly useful um it's time for a cup of coffee um and for me to say thank you to um my colleagues on the panel um they're staying around um I know um Richard um and Hassan are around um Philips around for a little bit longer I think so by all means direct your questions to them um if we could be back in in 10 minutes time if they can serve us coffee that quickly that will help us get to lunch on time so 1145 if you can please and thanks again gentlemen


Billionaire bootlicker and humanoid egg Michael smear conish of CNN recently did a segment where he basically just clutched his pearls because he was Incredibly shocked and appalled at the response that Michael Bloomberg got when he announced that he'd be Entering the Democratic Party primary in an attempt to buy the nomination So what you're gonna see is billionaire apologia.  I'm Michael smear conish in New York City today and wondering Why all the hostility toward Michael Bloomberg the former mayor of New York City formally entered the presidential race this week He was greeted with a torrent of nasty headlines. Take a look at these No other Democratic candidate was so coldly welcomed into the race Bloomberg got no honeymoon Think about it when Elizabeth Warren announced that the initial coverage speak to her quote baggage Did the first round of stories about Bernie Sanders addressed the quote huge barriers he'd confront? Anybody ever used the word grown regarding Kamala Harris? Anyone ever say disqualify soon after Amy Klobuchar announced? No way. It's been a total double standard with much of the animus directed at Bloomberg's wealth Instead of focusing on the fact that he's the son of a middle-class accountant who earned his money himself and That by not accepting donations, he did not prostitute himself to the political process His self-financing is cast as a negative and his uniquely American story largely ignored Well, I have a different perspective I say welcome mr. Mayor and thank you for your willingness to enter what TR described as the arena You've been in this race just a week and already your face is marred by dust and sweat and blood You don't need this You can spend the rest of your years with your feet up in Bermuda. Hell you could buy Bermuda But you choose to continue to contribute both with your donations and with your talents Your ethics seem above reproach. You're a data-driven Non-ideologue and by most accounts New York City benefited from your leadership of 12 years So I say good luck. You can have my salt shaker and my sugary drink. Just make the trains run on time I mean, you could have stopped about a minute in at that point You know, Michael Bloomberg's boot was already thoroughly clean. You licked it so clean It was spotless. In fact, it was so shiny. It was blinding Michael That is in uh, incredibly cringe-worthy and I'm just realizing now That there's a lot of michaels going on the host is michael smear conish Uh, he's talking about michael bloomberg And i'm michael talking about both of them. This is getting very meta and a little bit weird But nonetheless, I'm not like those two michaels who uh, one is a bootlicker and one is an oligarch They are pieces of human filth and watching that made me really feel as if there's no hope Because people tune into cnn as a source of news and news is supposed to basically make people more informed Going into the voting booth But can anyone say that after watching that they learned more and they're more informed making their decision in 2020? Of course not if anything I feel dumber having watched that pathetic segment But nonetheless, he says why all the hostility toward michael bloomberg? Because he's a billionaire who's literally trying to buy the nomination Do you not support democracy because that is bad for democracy? I mean the fact that he has to have this explained to him Shows that he needs to be fired from his job at cnn if you don't know Why a billionaire trying to buy his way to the nomination is bad for democracy Then you shouldn't be a political analyst on top of that He says no other democratic candidate was so coldly welcomed into the race Because he's a billionaire trying to buy the nomination.   Nobody can work hard enough to earn a billion dollars Even if they were able to live to be a hundred thousand years old, you can't earn that much money It's impossible. It's impossible.  So this is just I mean, I can't believe that I have to explain this To a political analyst who gets paid hundreds of thousands of dollars if not millions per year You can't earn a billion and buying elections is very bad Um, he also says I say welcome mr.   This is why you have a job at cnn because you are willing to suck up to power Part of the problem with this segment is it assumes that mike bloomberg is running for altruistic reasons out of some duty You know to his country or social responsibility and he says this explicitly Look, you don't need this.   This is the guy who is known for banning big gulps He instituted the racist stop-and-frisk policy that obviously disproportionately targeted black and brown people It turned new york city into a mini police state and on top of that he endorsed george w bush in 2004 He tried to criminalize homelessness Yes, by banning food donations to the homeless because quote Outlawed our food donations to homeless shelters because the city can't assess their salt fat and fiber content That's the person who you're standing for He told people in new york city. You can't feed the homeless Because we don't know what's in the food that you're giving to homeless people and it could be unhealthy for them I mean, this is not a serious person and All of the hatred and vitriol that's being spewed at michael bloomberg It's still not enough if we quadrupled it It still wouldn't be enough because there should be such a backlash to any billionaire running for president That they feel ashamed of themselves And they don't even want to go out in public because they know that they will be shamed By people who realize that buying elections using your position You know of immense wealth to try to buy power Is grotesque and shouldn't happen in an egalitarian society I mean if you truly believe in democracy michael smear conish, then Aren't you at all worried that a normal working class american can't run for president?  I don't know either way This was absolutely Disgusting it was pathetic and most of all it was dangerous. We should not be welcoming billionaires into the race We should be shaming them And telling them to get out of politics because they have so much money That they don't need government to help them and address their concerns, right?


This is a place where students are meeting the research and the industry, and this is the most important thing if you want to make innovation happen, is that you have different angles and different approaches that are meeting each other and inspiring each other. The people that we're meeting and getting a chance to network today are going to be the people that we hire in and fight for in the near future, so I think it's very important for us to have a presence here.


Welcome to Condo Insider, where we discuss all things related to condo living and condo ownership. I'm your host, Christa Stadler, here with Patty Kanuha, the producing branch manager of VIP Mortgage in Kailua, Kona. Patty will share her insight and wisdom regarding refinancing and the loan process. Welcome Patty. Aloha. Thank you. All the way from Kona. All the way. Thank you. Yes. And for full disclosure, Patty and I have known each other through the industry for several years at least. Many years. Yes. Yes.  Sure. So, I moved to Kona in 1979, I was raised in Washington state and then came here. We didn't know that, did we? I know. We came here for a month vacation at 19 years old and so it's been almost, it's been 41 years this month. Wow. Life has happened to a 19 year old, so long story short, 41 years later husband, three boys and seven grandchildren, I'm still here. Excellent. That sounds like me, but mine's only been 21 years. So, how did you, what led you to the mortgage business? Have you been doing it for a long time? Yes. So, I started in 1987 in traditional banking. So, I started as a teller at Pioneer Federal Savings Bank, which was statewide, first chartered bank in the state of Hawaii, started the territory way back then and I was a teller of CSR, senior CSR, operations manager and then to branch manager and our location was right on Pilati Road and then right before my 10th year anniversary, we merged with First Twine Bank. So, but at Pioneer, we didn't do personal loans, credit cards, we did mortgages, we did equity lines, deposit CDs. So, when I merged with First Twine Bank, they made me a branch manager in Waikaloa. So, the Waikaloa office at First Twine Bank, that's where my first home was with First Twine Bank and that was in 1987, no, 97. And so, I did that for a couple of years, we did really well there. And then I became, same thing, mortgages, equity lines were my biggest thing. I did a lot of training on that with tax returns, et cetera. And then they made me a sales manager for five branches from Konaka to Kona, Waikato School, actually. And didn't like that as much because it took me away from that mortgage part. And that's when I realized that was really something that I really liked to do. So I was, I think it was in 2001, I left First Twine Bank and worked for a mortgage broker for a year. And I loved it. What I didn't love was, as a broker, you could go to the closing table and things would always still be coming up, back in that day at least. In 2002, I believe, I joined Wells Fargo as the first private mortgage banker for the state of Hawaii. And I think about three years later, I became a branch manager and kind of split off. And then I did managing the state. So total 12 years there. And at that time, we could underwrite our own loans. And we could approve our own loans up to a million. So I was the only one in Kona and then I built a team on Maui, Kaua'i and O'Loughlin. And so that's where I kind of found my element. You must have been traveling a lot with, and you had small kids at that time, right? And didn't you? Well, actually, one was at Kamehameha School. One was, my oldest son would be 40 already. So I was already in the military. And the other one was in high school. So it was a good time, actually. My youngest son played football and never missed a game, except one when our fight was delayed for four hours. But it was, so that's when I realized this is my element. But I love it. Never, well, I'll do it till the end. That is, that's so wonderful. I think I met you during that time.  And everything went to heck in a hand basket. I remember when that happened. Yeah, all the schools are changing. Wow, yeah, you've seen, you've seen all of that. So for the folks out there that, you know, don't know, you know, there's so many different facets of real estate. What does, what are the programs? What are the things that a mortgage broker handles? Well, I guess everybody would be a little bit different, but to start with it's pre-approvals. For someone that's looking to buy a house. And that would be the first step is to get them pre-approved. And as we discussed earlier, getting pre-approved before they look for a home is the best situation. For them and as well as for all the other parties involved. Sometimes they may think they don't qualify for something and they may or they might think they qualify for more and they don't, but this gives them an idea of what that would look like to them. What would their mortgage payment be? What would their rate be? Is their credit satisfactory? You know, and so it gives them all that information above so when they do go in to make an offer, they can do it with confidence because they know they're qualified. We prefer, and I know not everybody does, but we prefer to gather their documentation. If they don't want to, that's their choice. But like I tell them, it takes a little time on your behalf, it takes time on our behalf and it may never close. You may never find it properly or may decide not to do it, but it's worth it because at the end of the day, when you make an offer, you know you qualify. And it's a good representation for your agent who's making an offer on your behalf. And it also, to me, I know a lot of listing agents want that pre-approval, but it still surprises me how many don't. And I recently had a call from a borrower that had a pre-approval and when they went to escrow, they weren't pre-approved, they never even ran their credit. Oh my gosh. I just had a phone call and they typed up a letter so you know, yeah, sounds, basically, yeah, sounds good like what you told me and you didn't qualify. And so they came to me, but it was the same story we couldn't do it. But we're still, we're working with them now and we're gonna get them to a place where he will qualify. He will, he just has to do a few things. So those are things you don't wanna see happen to them because for one, he went into it with good faith. He didn't realize that that pre-approval meant nothing. You know, he thought, yeah, this piece of paper says I'm pre-approved, it must mean something. So I would prefer to put the time in and give them a real pre-approval. It goes through, credit has to be run. It gets ran through a decision system. So tell me the difference between, I mean, you don't have to go through every single thing, but the pre-approval you need bump, bump, bump. And then when you get to the real deal, then you're gonna need this whole litany of things, correct? Well, you can do it one way or the other. And there's third times we'll issue a pre-approval without all documentation. It might be a repeat client you've worked with a few times or cutting dry, they've given you a W-2 and a pay stub, and that's really the main meat of it. But if there's spottingness to it in any way, or if it's someone I don't know, we prefer to get the W-2 to current pay, whatever the decision agent calls for, two months of bank statements, two paystubs, a W-2. Different documents required for self-employed borrowers. Then you need tax return, right? So it really depends on what's being requested or what's needed for that situation. But if they refuse to do it, we'll do our pre-claw to say based on the application, no supporting documentation has been received. We don't wanna mislead anybody. And not like you can't issue one without it, but I don't feel that typing up a pre-approval and you haven't ran credit is not a responsible way to represent your borrowers. It's like me renting out a property without running their credit would never, not gonna happen. Yeah, not gonna happen. It doesn't benefit anybody because now you got the support agents and asked to go on someone else took it off the market to sell it and now it's not going anywhere. So when you're pre-approving them, I know you have a whole variety of different loan options people can utilize. Are you pre-approving them for a specific type of loan or are you pre-approving them just generally? And then when you get further down, you'll determine which loan option that best fits them. Typically it's a specific type of loan. Okay. But, so there's gonna be three categories. There's a government loan, FHA, USDA, VA. There is your conventional conforming, anything below the conforming loan limit. And then there's jumble, right? So if you're going to jumble, then we're gonna get two, then there's no ifs or buts.  But if you're conventional conforming, anything within that price range, you're gonna be qualified for based on the information that we're going through. We'll ask them what is the maximum purchase price you'll go for? That's not what we'll issue the pre-approval for, but if you're looking at a property for 700 and that's the highest you'll go, that's what you wanna pre-approve before. That way if you're gonna offer 660, easy to do, it takes two seconds or two minutes. And then you wanna do another one for 680. It's easy to do that rather than having to rerun things every time you wanna go up. Sure, interesting. So you don't pre-approve just for, this is the max that you, based on your income, that you actually have them pick that number. You want them to pick that number. Yeah, because it's not always what they'll qualify as, what are they, comfortable paying? Oh, and I agree, I qualify for a lot more than I actually spend, because I don't wanna be. So if they just tell me 700 and I go, here you go, and then they see what that number is. So most of it's done remotely, right? You're doing on the phone, on email, you apply online. You can, especially with all this stuff we're going to do right now. But before I issue it, in most cases, in the early process, I'll talk to them about that. Just say, what is the maximum payment you want? Especially first time home buyers. So I should clarify that. Yeah. I mean, people that have been around the, done the rodeo, they're comfortable with what they're buying. But they're still gonna see what those numbers look like. When we send out our pre-approval to them, not to an agent, I'm putting in there what the rate options are, what that P&I looks like, what the preliminary closing costs are. So there's no surprise. So they know what they're looking at. They know that this is the number I chose, but this is what it's gonna look like. Right, and I think that's great. Definitely, absolutely. So what if somebody comes to you and maybe they've got a positive, maybe they've got great credit, but they don't have down payment money, or maybe they've got quite a bit of down payment money, but they don't have such great credit. Are there options for them? Right, so all those situations are different, but so let's start with credit, because there's three or actually four, there's low value. For one, it's your product and program. So let's say someone has a down payment, they have the debt to income ratios are in line, but their credit is not to where it should be. When I say not to where it should be, there's derogatory events, right? That's bankruptcy, foreclosure, deed and loo. Those are different based on whether it's conventional conforming, whether it's a guvy loan, or whether it's a jumbo. Jumbos, cut and dried, conforming is cut and dried. The guvies are usually like half of the waiting time, but there's no is to buts about it. So if it says two years, it's two years. If it's not one of those derogatory events, but more it's a credit score, it depends on why. Is it because there's just a recent medical collection? Is it because you only have two trade lines and they're both maxed out? Credits became a very big piece of a decision and that's what happened to one of these clients that had got pre-approved without having their credit ran. And then when they did run it, it physically met the guidelines. I mean, in black and white, it says, this is the lowest that you have to have this score. He met the DTI, he met the reserves. He met the credit score when to prove it. Oh! Because it goes by your overall profile and credit things are changing. They're looking at, now when you see a credit report, it'll show you what the two last two years have looked like. Has the use of credit increased? Has their limits or their usage compared to limits increased? The pain is going up. What does the trend look like? So there's a lot of trending in that type of thing. For the most part, if you meet those things, it's gotta go through, but there's that one off that it just didn't like it. But we have a system that will actually give us, okay, there's three scores. And it'll say there's an opportunity to improve this score by 22 points, this score by 18, this score by 30. So we use that and that's how I'm helping this client. As we actually say, you pay this down to this. You pay this 18, whatever it may be, there can be many situations. You have to get that score up. That's great because if they pay off that medical collection, if they have their actual amount, 50% less than what they have credit on, all those little tricks, yeah. But we're gonna take a little, I'm so sorry. No, no, I was just gonna say, but my thing to them is never tell them to pay off anything without doing that homework first. Because it can actually change your outcome. It could actually be a negative. Interesting. If you have a delinquent account and then you do anything on it, you could make it, it could actually have a negative effect. Well, we're gonna take a little, thank you so much. We're gonna take a little break and we hope you all join us. Patty is going to talk to us a little bit more about other facets like refinancing, how COVID-19, the pandemic has affected for business, if at all, and what she sees for the future. So stay tuned, thanks. Aloha, I'm Kisha King, host of Crossroads and Learning on Think Tech Hawaii. On Crossroads and Learning, our guests and I discuss all aspects of education here in Hawaii and throughout the country. You can join us for stimulating conversations to enrich and liven and educate. We are streamed live on Think Tech bi-weekly at 4 p.m. on Mondays. Thanks so much for watching our show. We look forward to seeing you then. Aloha. And welcome back to Condo Insider. I am here with Patty Kanuha, producing branch manager of VIP Mortgage. And she is going to talk in the second half about refinancing. If this is a time you may wanna consider refinancing, what that entails and discuss a little bit about COVID-19 and how it's affected the mortgage business. So thank you, welcome back, Patty. So let's dive into refinancing. Is this the time we should consider refinancing with interest rates being lower? Yes, there has to be a benefit to doing a refinance. Even for a loan officer, we cannot do a refinance unless there is not what we call a benefit to borrow. And there are certain categories that meet that benefit. One of those is rate. The rate has to be lower. How much lower? How much lower? The detail or the actual apartment is a quarter percent. Oh. Yeah, but typically, honestly, that wouldn't be a benefit enough to most people, right? But another option is cash out.   And then purchasing there's never a benefit. I mean, that's always a benefit. So that doesn't make a difference. And if it's an investment property refinancing, there's really no rules on it. But as far as rates, they're extremely low. I can't tell you a certain situation. I didn't price anything today, but I know like two weeks ago, we locked like three different loans at 2.99. They might've had a half a point or something to that degree. And all three of those properties were actually owned less than two years. So that's how big of a difference it had made. One and a half percentage points to their interest rate. But for a borrower, it's not always rate. It's sometimes their situation. Maybe by refinancing, even though it might be adding more time on, it lowers their P&I payment and makes it more comfortable.  And so it has to make sense to the borrower and has to, the rate is always a focus point and rightfully so. But also, what is their bottom line is? So when we do our scenarios that we send to them, we put in three or four different rate scenarios, but then we'll also put what is their monthly savings? So they can, and then here's this rate with no points, here's this rate with some points. How many months does it take to recoup that? So it doesn't make sense because sometimes just that 2.99 sounds great. Depending on credit and everything else, maybe that has a steeper cost that really doesn't make sense. Maybe three and a quarter cost you 50 bucks more a month, but it won't take you 60 months to recoup, right? So it's all about what is best for them. I have questions, I have questions. Okay, so my first question is, do you have to own your home a certain period of time? I have two questions, that one is the first. Do you have to own your home a certain period of time before you can refinance it? You should own it or have, or even if you've owned it for three years, but if you recently did another loan, should be six months. And the reason why is that whoever did the original loan gets charged an early payoff if it gets refinanced and paid off within six months. So we're cognizant of that, even if it's not our loan, even if we're not refinancing our own, because it's a steep, it could be, I think it's like 3% of the loan amount of the original loan amount. So it's a hefty fee, and because delivering an owner-occupant loan, they don't wanna have a delivered owner-occupant loan more than, it has to be like every six, it can't be more than once in six months, it's to wait six more months. So we just try to, it's very unusual to have one that young that really needs a refinance. But we can always get it started, we just can't record it until after the six months is up. Interesting, so then my second question is, let's say it has, let's say it's been a year or two, when you're going through the refinancing process with VIP Mortgage in your situation, do you have to go completely re-qualify again? Let's say my original loan was with you, am I going to have to re-qualify everything again? Just like a regular loan, okay. Yes, yes you do, because it's a new day, right? So we don't know what your income is, so all that stuff still has to document, because it's still on the burden of the loan officer or the lender to confirm that they have done their due diligence to make sure that they've done a loan that you can afford to pay back. Nobody wants to see somebody lose their home, and nobody wants to be part of that. So it's our job to make sure that, as well as the fact that every file gets audited, and that will be confirmed, but so the only thing that we do see happening is there are appraisal waivers happening fairly frequently, maybe 50% on refinances, so that's sometimes helpful and saves some time if you don't have to go through the appraisal process again. It's not a guarantee, it's really behind the scenes, Fannie, Freddie, wherever that loan's gonna end up going, they have a system built in that can pull comps, et cetera. So when you run your decision, it'll tell you up front whether you need an appraisal or not. Very good, so let's talk a little bit about COVID-19 and what changes you've experienced, if any, since we all went into the lockdown and how is it affecting your operations? So operation-wise, there's not a whole bunch of change as far as we're not, I'm not meeting with people very frequently. I do meet people to pick up documents if needed and just do it very, of course, that's all changing as we speak, right? But you have more freedom to do that now, but the signing process definitely had a lot of changes. If you work with Title Guarantee, I actually like their process. We got to where we send the docs out to the borrower the day before, so if they had that time to review them, I'd be available to answer any phone calls. And then when they showed up for the signing, they had a metal table outside their window and the docs we passed to them, they'd have gloves and a mask, they'd be given their pen that they could keep and they would just sign the signature pages there and it took like 20 minutes. Have you seen a decline in purchases since? I did originally. So this all started in March, but I didn't really see any fall off to our business so probably about mid-April until about mid-May. And then a few weeks back, it just kind of started booming again with purchases that only refinanced. So there's been a difference though with COVID, there's so much opportunity for refinancing. However, if you're laid off, you can't take advantage of that yet. Now, so there's a lot of forbearance opportunities and that's wonderful as it should be. But if you're in forbearance, you can't refinance because you don't need payment, right? And they're the ones that actually could use the refinancing. So, wow, that's really tough. Yeah, hopefully forbearances could be three months, it could be six months, depending on your situation, but hopefully, I don't see rates changing too much in the future. So I know that's probably something we'll discuss after, but I think that they'll still have that opportunity. Excellent, well, that's great, okay. So as far as out there with real estate, and I don't know how involved, if you don't know the answer or you don't wanna get into this, are you seeing, but you seem pretty familiar with, especially the Kona area, are you seeing prices staying comparable to what they were prior to March or increasing or? I don't can't speak exactly just from March, but I did check my own property, my sons and a nephew, all of who I have access, all of them went up. I was, and I checked that about a couple of weeks ago before we even talked about having this call. So I've talked to a couple of agents that I've worked with, they said they have not seen a downward trend. Now, everybody has different markets, it doesn't mean it's not happening somewhere, but refinances, ones that need appraisals came in at or above, and these are all properties that have, these last three I'm just speaking of have been all purchased within the last two years or less. So far, usually I would think that we'd see some of this, but it's, and so really I can say honestly, I'm not qualified to speak about it directly because I only see what I see when I get an application, but I have not seen it directly. Interesting, well that's positive. You know, I've always had thoughts, I wonder if folks are gonna start thinking now maybe we should move to Hawaii or get a place in Hawaii just because we have had, you know, we've taken so many precautions and we have such a low count. And, you know, at least in Kona, I'm not so sure about Honolulu where I am now, but when I lived in Kona for the last 20 years, I had time, I shouldn't say this, but I didn't even lock my door ever. I don't even know where the key was. I don't know where the key either. Oh yeah, I don't have a key in my house, I don't know where it went long time ago. Yeah, right? Wonderful. It's just, it's so wonderful, it's so wonderful. Now I live in a secure building with video cameras and whatnot. Oh wow, different thing. Well, I really appreciate you taking the time. I had you in mind, I just thought, you know, I've respected you and appreciate so much what you do for the industry and all of your wisdom and experience. So thanks for sharing that with us. My pleasure. Greatly appreciate it. And I wish you all the best. And you take care and I'll hopefully see you around town sometime when I'm coming to Kona. Well, I hope you're having me and if, you know, you need to follow up, just give me a call, you know where I'm at. All right, thank you, Aloha everyone. Thank you for tuning in and we will see you next week. Take care. I'll be home.


It's DDK now, back today with another spark video. Huge shout out to everybody too and if you want to subscribe, make sure you subscribe button, give me a thumbs up and do not skip those ads and it's June 20th and it's time for us to get through the bag. In this video, guess what baby, we might have a new blacklist candidate baby, we may be putting this Walmart on the blacklist. So you guys want to make sure you stay tuned to the full video, also if you want to buy some of the merch, all you got to do is to email me at www.RoseHouseOfVideos.com and let me know what you're trying to do. I hope you guys enjoyed the video, make sure you subscribe button, make sure you give me a thumbs up and do not skip those ads. It's time for us to get to this bag, let's go. It's time to do, what time is it baby? Look at them on watches above that time. Oh, Walmart 2 orders 11.1 miles for 21.22. That's not the greatest of orders, but either way, go, we gon' get it in order. Order number 2, oh no way. Walmart 2 orders 3.7 miles for 21.98. It's time to get this gang, let's go. Order number 1, it's time to get it done and get on the run, baby. The second order is only 2 items, but we gotta drive a while to get there, man. This whole trip was 11.1 miles, so it wasn't the greatest of orders, but we had to put some points on the board, man.  I had got some terrible orders before that. It seems like for the last couple days, I've been getting real bad orders and my business partner has been getting decent orders. I don't know what's going on, but get it together. All the way far as they get it together. There's them all in that doorbell. So I'm gonna have to drop this off. We was gonna try to take all the orders together in one car, but Walmart was taking too long, so we ain't gonna have time to do that. So we gotta do what we gotta do. She gotta go her way, I gotta go my way. We're gonna meet up after these 2 orders. In them out, they had it. They were super busy and they've just taken a long time. We only go out to the end of town.  We're gonna do what we're thinking. I feel like it's hard. Step back. You know what the photo we already know though? Let's go. Two we are here, baby. They said put it in the mailbox, but I can't put it in the mailbox. You know, it's against the law. They said put it in the mailbox or put it inside of the door. So we're gonna put it inside the door. Let's go. Order three and four. We back at the snow. All the order, 2.4 miles for 18, 19. You know we're gonna get that green. Order number four is all over. Walmart, 2 orders, 4.8 miles for 35, 58. It's time to get this cake. Let's go. Order number one. It's time to get it done, baby. We're gonna get on the run. I'm gonna grab this dolly. I don't even know if I'm gonna be able to use it. I'm gonna stick it to the side for right now. Guess what, guys? We had to separate yet again because Walmart took too long.  It's possible that I'm gonna put them on a blacklist. It's very, I think I am gonna put them on a blacklist because this is the second day this happened. And I know this is because one of the main, one of the people that work at the Walmart, she moved to a different store. And she probably was the one holding everything together. I gotta walk through the grass on this. I'm gonna go against my rules.  And now I'm like playing games like that. I'm done.  So they might gotta go on a blacklist. It's a great chance that they come already on it because I ain't got time to play with them, man. They messing up our money, messing up gas, messing up tire. And we trying to get on the ground because we trying to shot, you know what I'm saying? But the only bad part about that is if I do put them on a blacklist is that they're right by the fan club, too. So that's one of our postal spots. Our main postal spot was previously. We're gonna come out.  But we're gonna have to go to try and get out there for Walmart to see what they come out. Because we can't keep playing these heavy games. We trying to do our thing and change the lanes. You know what I'm saying? We're gonna get this changed. I'm rapping, but I ain't Gucci man. So comment below and let me know what you guys think.  Time is very valuable, guys, so.  We was literally sitting there from 9, I'm gonna say 9.45 to like 10.16 to get this order. That's how long we was there. And it's like you don't want to cancel it because you don't know if you're gonna get another order or not. But you also messing up the next drop because we could have made it back in time to get the next drop. Because we had to drop on the flex. He from 10 to see how I had it. I don't know about that. Comment below and let me know what you know about that. Yeah, baby. I dropped both of them water in the bag. But I came over that bomb. Baby, turn over, let me see. Come on over that bomb, bomb, bomb. Another thing is about me, guys. When it get hot, I get irritated fast. So when it's, it's like supposed to be 97 degrees today. So let's imagine how I'm feeling sitting in that car waiting. Look, I'm playing games on the talk. I didn't even hit him with the phone. Let's go. We're here, baby. Both of these orders got a decent amount of items. One of them was an extra large order and the other one was a medium order to get an order. Either way, go. You know we about to go, baby. Dang, I got this, get this cereal because I couldn't fit it in the bag. I didn't want to smudge them, Jones. So we got it, baby. Let's go. Let's get this money. Gotta get this money and understand me. Every while go, I spend a lot of cash. Hey, I got, I need you guys to comment below and let me know. I'm trying to switch up some things on the channel so comment below and let me know what kind of videos you guys are on. You know what I'm saying? I'll fight that so we can switch it up a little bit because y'all know we get better. We can get 200 plus a day. Some days we're gonna get it, some days we're not gonna get it. I'm trying to switch it up and make it a little bit more entertaining for you guys. But if you want me to keep doing this just let me know that too. Either way, go. Let me know something. Comment below and let me know what kind of videos you want us to do. It's still gonna be like gig work and stuff but like challenges or I was just thinking in the car and driving here that maybe I should do when we do one order from each Walmart type of thing on the next video or something like that. Comment below and let me know if you think it's a good idea and let me know if you were watching that. Smash that like button and if you want to subscribe make sure you subscribe and give me a thumbs up and do not skip those ads. But that's what we do. We get to these bags. You know what I'm on? You see those bags don't you? Put the photo, let's go. Stop the video. I just want to say a big shout out to everybody who subscribed to the channel. I really appreciate all you guys love and support and to show my appreciation I'm gonna give you guys up to 50% off all the works we have in stock baby. So anything we have in stock you're gonna get up to 50% off on that. Look, all you gotta do is go to redefine the brand. Redefine underscore the underscore brand on Instagram to find out everything we have. Here's the prices baby. Hoodies, $30. Joggers, $25. Shorts, $25. T-shirts, $10. Colonial perfume, $25. Hats, $25. And just so you guys know you must pay for shipping. I ain't gonna ship it till you're not free. You got to pay for your own shipping baby. But I hope you guys are enjoying the video. Make sure you subscribe button. Give me a thumbs up and do not skip those ads. It's time for us to get to this bag. Let's go. Order number five. It's a great time to be alive. Look, look at you. Yeah, I got you again. Instagram one out of 24 items 3.8 miles for 35, 79.  Let's go. Now we just came out of Aldi's. We got done getting busy baby. It took us probably like I'm gonna say probably 15 minutes. That's bad. And that don't get busy baby. I'm trying to set these up so it can be easy to carry. But that's probably not going to happen.  These bags.  We got to just get to this bag. You know what I'm talking about? Try to see if it's on in there. Put that right there. Put this right here. Wa-wa. Put this right here. Wa-wa. Close that jawn. Let's get it on. Right here jawn. It's Aldi's order baby. It's only four bags in a thing. A tissue or what is it? A clinic? I don't know if that's, no. A paper towel. It's about to go out. I'm gonna get this bag so we can get this bag. How you doing sir? You're not Stephanie though. Oh no, Stephanie's in the car. I got to do all the heavy lifting. She usually do the hard part though really. The shopping is way harder. You're welcome sir. You're welcome. That's a good idea. Yeah. Yeah, I hate good things. We actually got it from Amazon. Well she actually got it from Amazon. Cause I'm not that bright. She came over there. She came over there. We've been shopping a long time. We've been thinking that. And that is everything sir. You have a great one. Last tube. You know what it's time to do. What time is it baby? Tell me comment below what time it is. All the way. Sparta. Walk my tour is 8.3 miles with 2861. We're gonna come and get it done. And the last order to get it in order is all the way. Sparta. Walk my tour is 5.9 miles with 2524. It's time for us to go. Let's go. Here baby. Drop off order number one. Look at this. This is exclusive for the kids. They about to go fishing. Maybe they go fishing. So they want to be like they did and all that stuff. That's legendary. You know what I'm talking about? Let's go get busy baby. It's about to move kind of shift because we're gonna have to do this. Drop off that order number two then go back to wall. Make it eat. And get that other order to get in order. You know what I'm talking about? Chocolate pop. It's not that many items. So it should be fairly, fairly sweet. Hello. How are you doing sir? Good. Good. This is kind of warm out here today. Oh I know. It's gonna get mad in the next couple of days. Yeah. I guess we can't complain about it. We asked for it, huh? Yeah. Whenever it's cold we want it to be warm. When it's warm we want it to be cold.  He said thank you. Hi. You're welcome. You guys have a great one. Enjoy. Number two. How you doing ma'am? I'm doing great. I saw it said leave it in the bin. I'm like there's no bins here. Yeah. I forgot to put it out. It's okay. Thank you so much. You're welcome. I'm doing great in yourself. Wow. It's warm out here but we're getting through it. We're trying to. This is the last thing. Thank you. You have a great one. I got one. This first order and I just want to say that they out of pocket. They out of pocket for how they parked in this driveway. I cannot get in the driveway at all because they parked the cars out of bogus and they got a lot of stuff and water and all that stuff too. Well in case of water they out of pocket for that. Comment below and let me know if they out of pocket. And I'm going to have to walk on the side. Where's that John? Let's go. Let's go. Yeah. I know people have been looking at me like I'm crazy all the time but guess what? I don't care. They probably thought Jesus was crazy. I bet they did, didn't they? They was lying. They was hating on them. They didn't believe it. Come on. I'm going to pop. I'm going to pop.  That doorbell did not work. Time for us to go berserk.  There's scorching out here. I'm talking about scorching. It's hot. It's going to be hot like this all week too for most of the week. And I can't stand the heat guys. I was born in February so you know. I like the hoodie weather. It's hot. I'm going to go back and get a few more things so we can get this green. Then we're going to get that and then we're going to lean. We're going to lean back like that. We're going to lean back. We're going to put this stuff in here. Bop, bop. Got some bread right there. Get this in here. Bam, ski. Hit him with a wham, ski. Ski. Put that bread right there. Bop. Put this on the arm. Right there. Then we're going to grab this 40 bopper. We're going to get busy. Now I'm going to tell him about it. Drop the water here. Bam. Put this in the front. Put the bread on top of the agua. You ain't know how to speak Spanish a little bit different. How about that? Bam, bam. Step back. Y'all already know what the time is. Come and blow and let me know. Smack. Let's go. Here's that telly. The same telly we went to yesterday. This dude literally just got out of his car and left the door open and walked in the hotel. He's tweaking. We must not know where he at. Nobody. Get busy with this, y'all. He's tweaking. And I think he probably had to go to a room. I feel like a delivery driver. He had to go to room 110. I think the same room went to yesterday. Yeah, he's tweaking. Left his door on open. Nah, that was not a smart one. He had the wrong place to be done. How you doing, sir? How are you? I'm doing great. How's your partner open? Oh, nice. Yeah. Hello. How you doing? Oh, thank you. You're welcome. I think you got both words at the same time. I did. That's awesome. Even better. You got to carry some too. Here you go. Grab that. In the canteen. All right. You guys have a good one. Thank you. You're welcome. And just like that, it is the end of the video. I hope you guys enjoyed the content. We made 203. 29. We was going to go out to the end of time. I saw a shot. Look at the time. What? It is 127. And we think God... I don't know. Wait. We think in God for our blessings. We got that money. We want stress. I think we're okay. It still was a few hours that were slow. But we can't even got it done. And that Walmart...  Walmart, that Walmart might be on that black list. I'm going to tell you guys what happened. So, one of the girls that usually working at the Walmart, she actually moved to a different store. And when we used to have her, everything used to be going great. Ever since she left, she left on Thursday. It's now Monday. Ever since she left, everything been slow. So, I don't know what's going on. But they need to get it together. So, we can run up this cheddar. And I think that some of them are good. And I think that some of them are. And some people just lazy. Or some people just move slow. And I ain't got time to move slow. I'm trying to get busy. I hope you guys are with me. I hope you guys enjoyed the video. Also, if you want to buy something merch, all you got to do is to email me at wrongsonsusgmail.com and let me know what you're trying to do. Y'all know what my flow stick like. Comment below and let me know. I hope you guys enjoyed the video. I'll see you guys on the next one. Be good, be good. Before you are done with the DDK. And I'm on my way.


Hi there, my friend and friends. In this video, we're going to see how we can create this pretty cool little filter thing with this nice little animation that sort of sorts things as we click on them. Honestly, thanks to the new view transitions API, this is insanely simple and easy to do. So we're going to look at how you can do it as much as possible in a way for you to be able to add this to your own lists instead of focusing on this specific list that we're looking at right here. We're also going to make sure that there's browser support for browsers that don't support the view transitions API yet and talk a little bit about some of the controls and stuff that we have with it. And so to do that, we're going to get started by jumping on over to here, and we're going to start making this happen. You can see we have some stuff in place, but it's very simple. And we're going to sort of build on it from here. So let's go take a look at my HTML because there's it's very simple what we need. We're right now, I just have a div that has a class of filter on it here. And then I have these buttons that are in here, and they do filter button. And the only thing that is kind of important is I do have this active class that is there. The other part here is I just have this UL that's my list of conferences. And then in there, each one of my conferences is an individual li the content in here could be whenever you need it to be. There's one other important thing, though, since we will be using JavaScript, I have set things up with data attributes. And so I do have a data filter on all of my buttons, we're using JavaScript, I could have grabbed the text from these, but I like to show what the JavaScript is sort of hooked into by using data attributes. So that's why I've set them all up with data attributes for each one of the buttons. So what filter are we using, I just gave each filter a name. And then here on each individual conference, you can see that let's just collapse those down. I've just given them the data category and put the category that they fall under. The only thing that you might want to do a little bit differently here, which might create a little bit of a difference with how you set up your filtering. When we click on different things is right now, like each one of these conferences can only really belong to one thing at a time, you might be doing this for portfolio. So maybe instead of a data category, you might do something like data react and data tailwind, let's say, just to have like this is a react and a tailwind project. So then you filter would find that and show that specific thing. But then by doing it this way, you could have projects that are part of more than one thing at a time. Instead of how I've set things up where everything only belongs to one category. But for how what I'm doing here, that just makes more sense. So we have five conferences here, a little sidebar at the bottom, but nothing too much. But we're going to see how we can make it all work and make it look good with our filtering. And the first thing we're going to do though is pay a little bit of attention to our button. And so the first thing we're going to do is sort of get these buttons working a little bit. And we can go into our JavaScript. And as you can see, we don't actually have anything in here yet. And we're going to need three different things as we go through here. So the first one we're going to need is the list or the filters themselves. So we're going to want to get our buttons. And we want the whole list of buttons and we want the individual one. And we do need both to do some things for. So we'll start off with our filter list. So I'm calling it a filter list. It's my buttons, or the div that contains my buttons, I should say, is going to be equal to my document dot query selector. And we're going to do my dot filter there. And then we do need each one of the individual buttons as well. So we're going to say my filter buttons is in this case, because we're grabbing this div, we can just say that our filter list and do our query selector in there instead. Because in this case, it just makes it a little bit faster. It's not going to make a big difference performance wise. But we've already isolated that. So we might as well only do our query selector all inside of there. And then we can do my filter dot filter button and get all of those. And just in case you're wondering what editor I'm using right now, because it does look a little bit different. And where I'm actually this project came from, you can see it right here. This is sort of what the inspiration for all of this was. And this is coming from a platform called I code this. I code this is a project by floor and pop and he has a team of people helping him with it where it's daily UI challenges. And they're really cool. And some of them are very small little just like individual cards or something that you can work on and other days are a lot bigger like we're working on today.  If you want to do it, you hit start challenge, it brings you right into an editor that is in your browser, and you can get working on it. And there's a little toggle so you can see what you're trying to build. When you're done, you can submit your challenges. If I go back, you can actually see other people submissions as well. You can comment on them heart them. You can also see how they've done different things if you get stuck. So it's cool that you're not just sort of on your own with it. You can also see their code when if you go and take a look, you can see what they've done to be able to get there. I know it used to be that you had to submit your challenge before you could see it. So it is possible you might have to submit a challenge before you can actually access other people's code. But yeah, I think it's really cool and fun just for that. But if you sign up for a pro account, you get access to the full bat catalog where there's like 15 pages of these daily challenges, you also get access to bigger projects, like this one here where you get a Figma file, they have a number of these larger projects that you can get access to. They're also introducing learning paths and some other stuff. And if you look here, I'm actually on got early access to a new version of the code editor, where they have some settings and other stuff that you can set now, which is super handy, especially when you want larger font sizes, like I like to have. Now, if you'd like the sounds of that, and you want to sign up for a pro account, make sure that you use the coupon code Kevin at checkout.  And if you use the link that is just down below in the description, I just want to let you know that it is an affiliate link, which means that you'll get it at no extra cost to you. But it also does help support my channel a little bit at the same time. But with that out of the way, let's dive into here and get back into the fun part of writing some JavaScript. And people are always asking me for more JavaScript content. So I hope this is sort of the up that alley, even though we're not going to be doing too much as you're going to see the animation looks complex. It used to be hard ways to do this type of thing. It is all so easy now. It's incredible. So the last thing we're going to want here is our conferences themselves. So conferences, we'll do our document dot query selector. All and I'm going to just do dot conference individual. In this case, I'm not grabbing the list itself. I'm just grabbing all of the list items that I have. So that's going to be saved as my conferences. If you're doing this for portfolio pieces or whatever it is, just, you know, name it appropriately for what you want. I know some people like see me build the entire thing. If you do want to reference the code at any point, the link to the code is also in the description down below. Let's go on now and we'll get these buttons going. So the first thing we're going to do is you mentioned we have this active class here. So just so we can like visually see things happening. Let's come here and let's get that. So that's my filter dot BTN and we'll choose active and we'll keep it nice and simple. We'll do a background of black and color of white. And we're going to add a little box shadow on there too. Because if we look at the design that I'm basing this off of, there is definitely like a little box shadowy thing that's coming on that. And so let's do a 00, maybe a 0.5 rim and an RGB of we want black at maybe 0.2 or maybe a 0.3 would actually be better. But let's try 0.2. And actually that looks pretty good. So we have my active button there. The reason I wanted to do this CSS on screen though, instead of having it in place already, is because I want to add one more line here, which is going to be a pointer events of none, which just disables the button, meaning I can't actually click on it. So you'll see here, I get my little hand icon. I know not everyone likes that for buttons, but this is working. If I hover on that, we're not getting it because I can't click on the button, which just means when we're doing our filtering after, I'm not going to ask the browser to refilter something if it's already the one that selected. So basically, we've just made our this button here inert. So, you know, instead of using JavaScript to check if it's active and then don't do anything, we can just say that it's not clickable and then we're fine. Cool. So we have that in place. We have my active now. So what are we going to do? We're going to come down and start making a few different things happen. We're going to start off without the animations and then add them in two steps. The first step is just going to make it sort of crossfade, which is already pretty cool. And then one little extra thing, and all of a sudden the animations all come to life. It's really, really neat. I love this new thing, the view transitions API. So what do we need to do first is what we need to be able to click on those buttons. So let's do our filter buttons and say a for each. And we want to say for each individual button. And for each one of those, we want to do something. So we'll do an arrow function. We don't need the parentheses here, but I'm going to put it. So we have our arrow function there for every button. And that function is going to add an event listener and we want to listen for a click. So once again, we can do something when somebody actually clicks on one of our buttons. So really, we need to do two different things here. The first one is going to be to, you know, change the active button. And then the second thing that we're going to do is update or filter the list, filter the list. And the easy one here is the active button, though this isn't the second one here is pretty easy to so to be able to change the active button, we have to know what button was actually clicked on. So to do that, I'm going to come here where we're doing our arrow function. And I'm just going to put the letter E. And what this is going to do is capture the event itself. So when we click on something, you're going to get all of the information from the event and we can do stuff with that. So now if I come down here, what I can say is we're going to do just let's do it this way, we're going to say update active active button, we're just going to make a function for that. And we're going to pass this in, but not exactly, we're going to say E dot target, because the event is going to get captured. And then the target is the element itself that we clicked on. So it's going to capture the button that we've clicked on. So we're going to update the active button to be our target that we've clicked on. And then for the filter list here, we're going to do a, we'll say just filter events, and we'll turn that into a function, but we'll come back to this one after I'm going to comment it out for now, just because it's going to cause some issues, if not. So now this can't work yet, because we don't have a function called update active button. So let's go and add one in. So here we can say function, update active button. And we're going to say we want to make, you know, what's our new button going to be? We want to find the previously active button. And the reason we want to find the previously active button is to remove the active class from it. So I guess we can say and remove the active class from it. And then the second thing we need to do is add the active class to our new button. And this is actually slightly easier, though they're both pretty easy, but let's start there, because it is slightly easier. So we need to say new button, new button, and we can do class list. And then we need to say add, and we want to add our active nothing too complicated at all. So now if I click on a button, you can see, oh, we've added it on there. And as I go through, we've added it to all of them now. But of course we want to remove it from the other one first. So how can we find the previously active button? Well, we have our filter list. So we have this right here. So we're going to use that. So let's go to our filter list. And then I'm going to do a query selector in here. And I'm going to look for the button that already has the active on it. So we're going to look for a dot active. And then once we find that we're taking that and we're going to do class list. And we're going to remove active. The one thing that's really important here is this one has a dot. This one in this one do not have dots because this is a query selector. So we put in our selector here. Whereas this one is a class list remove. So then we because it knows it's a class, we don't put the dot. And here we're doing a class list ads. We do not put the dot I've done this too many times and it's spent forever trying to figure out why it was unworking. So make sure you don't make that mistake. Now, definitely we can get a variable for this and then remove it, but it's not very long. So I really don't mind having this just as one big string like that. And then we're left with this. So now when I go and I click on one, it just moves on over because first we're finding the one that has the active, we're removing it, then we're going to the new button and we're adding it on to the new one. Nice and easy. So perfect. That's working. We've already done change the active button. And because the name of this function is really straightforward and it says exactly what we're doing. I don't think we need this comment here. And here to the filter the list and then filter events, that's going to be our new function. So I'm not going to leave the comment there either. Comments are great. I encourage comments. But if the function names is exactly what you're doing, you don't really need a comment to also tell you what you're doing, in my opinion. So the second thing we want to do now is to filter our events. And this is where things get a little bit more interesting, I guess. So for that, we can come let's just come underneath this one, keep them in order, and we'll do a function of my filter events. Now, for this one to be able to work, there's going to be a few, we're going to have to pass something into here, they can get to here because we need to know like, what are we filtering? What's our filter, right? So if I click on front end, I want to only get my front end stuff. So right here at the top, we're going to come in, we're going to add a const is equal to and for this, we need you know, we want to we have our e here, which is great. So we're going to say, or we're going to say our filter, right? So const filter is going to be equal to our e target. And then we can do a get attribute this time attribute. And we're going to get the attribute of our data filter. And just to make sure this is working, let's do our console log, because that's always a nice way, a nice thing to do to ensure things do what you're expecting them to do. So when we click, we get our target get attribute. And so that should get our data filter. So front end, back end, or full stack.  So I can close that down. It is working as intended. And I can remove that from here. And that just means filter events with that new filter that we've just grabbed.  Awesome. So down here, that filters, you know, we're going to pass that filter here. So here we're going to do our, we'll say event. I just realized here I'm saying events. And I think I've called things conferences too. And events might be a bit of an awkward thing because we have event listeners and you have event in JavaScript. So maybe filter conferences would be a little better. So maybe we should actually do that. We'll say filter comp instead. And then so this would be my function filter comp. And then event. So instead of event, we'll just do comp. So because conference is way too long to write, I'll make a typo every time. There we go. And I just want to make sure I think we're good. Because yeah, I've done event before and it just gets a little bit weird since we have events in JavaScript. And it I think simplifies things since we're dealing with conferences anyway. And of course for you, it could be filter portfolio or filter work or whatever it is, you know, make it make sense for what you're doing. So in this section, we're going to have to do a few different things. First, we're going to get each conference category category. Then we're going to we're going to check if that category matches the filter. Then if it matches, show that comp. And if not, hide that comp. Right, nice and simple, nothing too complicated. So how do we get each conference's category since that's the first thing that we need to do? Well, we're going to do a conferences and do a for each year. And just as a bit of a reminder, the conferences here is my document query selector all for everything that has the conference class on it. So it's each one of my allies that are in here, just each individual event or conference here is what we're grabbing. So for each one of those conferences, I'm just going to comp again, because if not, I'm going to make it typo. So for each one of those, we're going to do something. So we do an arrow function. And the first thing what we need to get each one and the exact same way we did that for our buttons over here, we got the attribute, we can do the same thing over here. So we can say const comp category is going to be equal to the comp get attribute, no, not animations, get attribute. And the attribute we want to get in this case, if we go and take a look is my data category. So you can do our data cat t gory right there. So we can grab our category. And now we want to check if that category matches with our filter, like we left in our comment right here. So this one will start off without worrying about the all and we'll add that back in because it's surprisingly easy to do to get that one to work properly. But we'll start here with just a nice simple if and we'd say if the filter is equal to our we called that our comp category. And I just realized I'm putting that down here, but we're going to have to wrap this all like that. Just because this if statement is going to be in the for each right here. So there we go. So if the filter is equal to our category, what do we want to do now? Well, in this case, we want to show the conference, but we already see the conference. So we'll sort of we'll add that back in in a second. But then we have our else statement. So else. And that means if the filter does not match our conference category, we'll do something else. And what we're going to do is comp dot we'll do a set attribute once again. And in this case, the set attribute that we're going to use is going to be hidden. So we're just going to hide it completely that takes it out of the flow of the document and everything it just vanishes away. But if you're setting an attribute, you need to say what attribute it is and what you're setting the value to it for or to I'm just going to put an empty string because for hidden, we don't need a true or anything like that. You could put true here and it would also work, but we can just leave it as an empty string. And that will work fine. So that means that our conferences that we're hiding are going to have the hidden on it makes sense. So that just means for the other ones, all I'm going to do here, if the filter does match, I'm just going to do a remove attribute. And when we remove an attribute, we don't pass it a value for the attribute. So we just have to say hidden, and it will work. So if we have it just like that, I'm probably driving people with OCD a little bit nuts, because in some places I'm using semicolons and in other places, I'm not. I do apologize. Good to pick one or the other. And everything should work, but it's not working. Just because here I put comf filter and here I wrote filter. So we're just going to make sure that those two match each other. And there we go. Look at that. It's already working. You could leave it like this if you wanted it to if you will not quite because our all isn't working. But if you don't care about the animation, you now have a filter list that's almost working for the all. I originally was going to do something a little bit more complex, but you don't really need to do anything. So all we have to do here is actually just say if the comp filter is equal to all, or if it's equal to comp category, some people don't like having two things here. So you could actually make this like an all and do an if else or if you just want a multiple if statements, whatever you prefer. For me, this is simple. If it's all, then the comp remove attribute, we're doing that for every one of them. So now, if I go here, I hit all, they all come in. Otherwise, we're hiding stuff away. So basically all saying remove attribute hidden from all. And if we have a filter, we're only removing it from the other ones. We're hiding the other ones, basically. So now, I think it's actually looking pretty good. It's working well. But we want to add in, I'm going to add a little bit of CSS just to improve the styling and try and match what we're aiming for right here a little bit more because I want to show you a cool thing we're going to do with the underlines because normally this would be easy, but we're going to have a little bit of a gotcha that we're going to run into along the way here. So let's come over to here and I'm just going to find my conferences, which shouldn't be too high up conference list. So we're going to say conference and let's start by doing it on all of them. So I'm going to say my padding bottom is let's just say two ram. I'm going to say my margin bottom is two ram. I'm going to say my border bottom is one pixel solid black. So that should give us some dividing lines that should come in except I did a boron instead of a bottom.  And I don't want that to be there. So normally what you could do in this case is something like a last and not sorry, not, and then say last child, last child, and then it's going to be fine because the last child doesn't get it. But we have a problem. As soon as I use my filters, that doesn't really help us out because anything, you know, my dev world, it's not the last child. So we're still getting the line here. And if I did it the other way around the first child, you'd get it the same way just backwards where you'd have the border on the top sometimes, but not always. And the spacing would actually be even potentially more off. So here I am going to use a little bit of modern CSS to actually pull this off in using the has selector just because it's cool. And it works. And it makes me happy that we can do stuff like this now, even though it looks a little bit weird. So I'm actually going to do another knot. And then in here, we're going to have our has selector. And we're going to do a plus. And we're going to do it the attribute of hidden. And the reason this works, so let's just show you that it works. There you go. We only have lines. It just works. Okay. So why is this working? And has just so you know, it has about 90% browser support at this stage. I think a shade below 90% browser support. So, you know, it's not perfect, but it's not bad. And what we're doing with this is it's saying that if it's not a last child, and it's also doesn't have so not has doesn't have a sibling that is also hidden. Right. So it's kind of an interesting way that we can set that up. So if it is the not the last child and the sibling coming after it is also not hidden. So right away, I think that's pretty awesome that we can do that. Now, sometimes with things like this, there's ways of using the other way around where you're starting with the first child and going the other way. The problem is then you'd be like if you're selecting the siblings coming after you're selecting the hidden ones. So we're really saying don't select it if the next sibling is hidden and don't select it if it is the last child. And I think that works really well. So I'm sticking with that. And yeah, there we go. So now we want to add in our animations. And just before we add in the animations, though, I do want to say that a veered away from the original design here was conferences in Bergen to do a tech conferences one. And I sort of did this on purpose. And the reason I did this on purpose was because I'm actually going to be speaking at that conference. And it's in Texas this January, as you can see there, January 30 until February 1.  And maybe even better than that is this event is really set up as a social event as well with a games night, a barbecue night, they do morning walks and runs.  I'm really looking forward to finally meeting some of my audience. So if you can grab a ticket and make it, do please make sure to say hi while you're there. And if you are interested in it, the link is in the description if you want to learn more. But yeah, let's put that aside and get into doing our stuff on getting these animations to work. So what are we going to do for the animations? This is going to be depressingly simple, because it's stuff like this used to be pretty hard. And what are we going to do? We're just going to come up to where we are setting this up, this active button and our filter here, where we do this, we just want to tell the browser that it should animate from this to this. That's it. We just tell the browser to do it. So how do we do that? Well, all we have to say is document. And then we do a start view transition. And the start view transition is just going to be a function like we've been doing for a lot of stuff. Let me just space this out as touch. So we're going to say document start view transition. So start doing the transition because we're updating the DOM basically. So start view transition. And then here's how we're going to update the DOM. And by doing this, check this out. Magic, right? And not only is this like transitioning like that, if I make this a little bit smaller, so the sidebar is underneath, it even like fades that in and out. Like the whole thing is going, if you have a sidebar, let's move this a little smaller. So we have a sidebar now. Actually, let's do it like this. So now like as the sidebar disappears and comes in, if you look at the get started button, you can see even that like fades back into place and stuff. I think it's just so cool. So yeah, right away, you could leave it like this if you want to. It works. It's pretty cool. It's nice. The one problem is right now, if you're on Safari or Firefox, the whole thing is broken. That's not good, right? Well, we can create the fallback, which will just be the version without this really easily, but we do need to check for that just because right now this is JavaScript. So if the browser gets to this and it doesn't know what it is, it just notes out of there, right? It does not work. So we do need to build in a fallback for this. So to do the fallback, it's really nice and easy. You just come up here and we just need an if and we say document start view transitions or transition. And so we're saying if the document can't do a view transition, if it doesn't know what that is, we're going to do this. And that's literally all we have to do. We just put the same functions in our if statement where we don't have one and when we do have it. And that means if the browser does support view transitions, we get the little fading animation or very soon to be the better animation. And if it doesn't support it like Firefox right here, it just does this. That's it. It has a nice simple fallback to the non-animated version. And as I said, this is part of the view transitions API. It works really well. We're looking at the version of it right now for DOM manipulation, where we can do view transitions and then you do a DOM manipulation and we create animations there. This is also opening up the door to page transitions as well. But the view transitions like this for DOM manipulation is working in Chrome right now. The page transition version currently is only behind a flag in Chrome. Though if you start using Astro or some other stuff, they've opened up the doors to all of it through some polyfills and stuff. And it's really, really cool. We'll probably do a video on all of that one day as well. And I'm not even going to deep dive everything here because there is quite a bit to it. I just wanted to focus on this filter list. So we'll look at probably a deep dive into view transitions at one point as well because there's a lot with the different CSS stuff you can do for it. But let's get this animation working a little bit nicer now. And to be able to do that, we're going to break down a little bit of how view transitions work because by default, what we have is there's a view transitions. So we get this pseudo selector in CSS, view transition. And there's different parts to this. We have a group for a view transition and this is the before and after state. So you could do something like actually we could do this. Let's just to show you, I'm going to I'll explain this in a second, but let's do an animation duration. And we're going to say five seconds, ridiculously long. But if we wanted to, we could make that transition take five seconds. Super easy. And the group is actually something that we could break up into smaller pieces because this is including the beginning sort of the before and after state and how long, you know, it's grouping them together in a single group. But we also have access to our view transition transition old. And we have access to the copy that the new. So the way the view transitions for domination works basically is the browser takes a screenshot of before the animation. It takes a screenshot of what it's going to look like at the end and it just overlaps them and it lowers the opacity of one and brings in the opacity of the other one. And by default gives us the crossfade. You can come in with some of your own animations instead of having a crossfade. And the other thing that I just want to mention is there is a mixed blend mode on here. I forget what the default one is. We have black and white here. We probably wouldn't see a difference, but it is possible. If you're getting weird stuff happening that you want to avoid, you might need to put a mixed blend mode of none on there just to remove them. So just to throw that out there. But if you have like elements sliding in and out, you could use this new and old one to like, you know, fade one away as the other one slides in. There's lots of different things that are available for us. But we don't actually need to worry too much about this. The only thing that's important right now is right now, this is for my root, because it's doing it for the entire page, which is why we have, you know, the individual elements are fading in and out. But like when we had this at the smaller size and the sidebar had to move down or move up, like everything is happening, it's one to the other for the entire page. The other thing though is we can do different individual animations on different pieces. And this is something that I broke my head on, because I couldn't find much in the documentation, maybe I just missed it. But you can't have multiple things sharing one view transition name, because what I kept trying to do was go to my conference and do a view transition transition name and called it conference. And this is saying that this isn't a valid property, it is. This is how we name the different pieces that we want to animate individually. And so instead of selecting my root, I could do my view transition. Let's just do group for now. And here I would just write conference, and then do something here if I wanted to. So even we might look at this at one point, but the problem is if I do that, you'll notice that it broke everything. My animations are just all completely gone. Nothing is functioning. And that's because you cannot have multiple elements sharing a transition name. It was Chris Coyer's the only place I saw it mentioned in a tutorial-y blog thing that was just talking about how to do them. At that point, I'd figured it out and I was like, finally someone else who's mentioning this. Thank you, Chris. And I'll link to his article below too, because he did a cool thing with list items that would insert themselves in. Really neat. But yeah, the one thing we can't do is this. So one option you have is to do the conference and then do an nth. And we're not going to do this, but you could do nth child one and then give that a view transition name and then do two and give that a view transition name. So that's one option. Another option is to do it as an inline style. So here I could do style is equal to and then do view transition name and give it each one of them a unique name.  And I don't want to do that either. So what we're going to do is use JavaScript to do it since we're using JavaScript for all of this anyway. And to do that come all the way up. And I said we're going to need this again. So now we're finally going to use that. And the first thing we're going to do though, before we do that is let's come in and say let conference index be equal to zero. And then what we can do is our conferences for each conference. And for each one of those conferences, as usual, we want to do something. So we're going to do our function right there. And all we're doing, I'm just going to inline the style for each one of them. So we're going to say conference style. And then we're just going to say the view, not start view transition, just view transition name. If you're setting styles through JavaScript, just always know that what would be the kebab case in CSS. So the view transition name, which I deleted now would be normally kebab case in JavaScript, you just do it with camel case instead. And that's going to be equal to and we're just going to come here with back ticks so we can have some regular text and throw some JavaScript in there. And I'm going to do comp and then come here and then just do my conference index. And I was going to write this at the end, but it should go at the beginning, we're going to do a plus plus right there. So basically, it's going to go through each one of those. And it's going to use our conference index, but I use let here because I want it to update each time. So it's going to be a one, then a two, then a three, because it's going through each one of them. And so if we go and take a look, I don't know why I'm making that bigger, we want to go look in our dev tools. And if we inspect on the individual elements in here, we should see, that's the wrong thing. Here's my comp one, there we go. So we get the make that slightly bigger, the view transition name comp one comp two comp three comp four comp five. Nice thing now is you add another one, it automatically gets a name on it. And it's really important that each one of these has an individual view transition name if we want this to work. Because watch this, that's all we did anything else. And oh, it works, it slides everything. It's nice. If it looks a little janky for you, I promise you it's working really nice on here I am recording at 30 frames a second. So that could be a little part of it. It's just cool. Right. So it's because now what it's doing instead of taking a screenshot of the entire page and animating the entire thing just from one state to the other, it it's still doing that for the entire page. Because if we move this, the root is still getting the animation on it because you can see this still crossfades up and down as things are moving. But now it's also looking at each one of those li's and it's going, oh, that li needs to be down here. So I'm going to animate it down there. So it just works. And again, you could play with the timing of these if you wanted to, you could have different timing for each one if you wanted to whatever you want. But just for the simplicity of what we wanted here, I'm just blown away. And I'm super happy with that. And so yeah, I hope that wasn't disappointing in how simple that was. I said that it would be pretty easy. It took us a little while to get there, but I'm happy we got there. And with that, I just want to remind you not to forget to check out I code this with that link that is just down below. And with that, I would like to thank my supporters of awesome who are Web on Demand, Andrew, Tim, Simon, and Johnny, as well as all of my other patrons for their monthly support. And of course, until next time, don't forget to make your corner of the internet just a little bit more awesome.