Hey everyone, welcome to another video lesson from navigationtrading.com. In this video lesson, I want to show you how to make an adjustment to a short strangle. In this case, we are looking at ticker KRE. We've got a short strangle on and you can see that price has come down and breached our short strike, breached our break even, and that's when we want to start looking to potentially adjust. Now we have a couple choices of how to make this adjustment. We definitely want to roll the untested side, so this is the side. This is the strikes that it's testing or breaching and this would be the untested side. The reason we do this is because if we click on the call and click off of the put, what you can see here is if we zoom in a little bit, this pink line is where we're at in profit on this piece and the green line is the max profit that we can reach at expiration. You can see there's not very much value left in these call options, so there's really no reason to leave it on. What we want to do is we want to roll that call up closer to the current price, collect another credit, and give ourselves more time to be right. If there was a decent amount of time, let's say over 30 days left to expiration in this June cycle, then we would just stay in June and simply roll that call up. We'd like to roll up to about the 30 delta or so is kind of our sweet spot of where we like to mechanically roll up to, but with the fact that where we're at in this cycle, we're in June, we've only got 23 days to expiration. Now, remember, once we get closer to that 21 days to expiration, we're going to be looking to roll out to the next cycle anyway to kind of extend that duration, collect another credit for doing so. In this case, we're going to do both in one roll. We're going to roll down the call, and we're also going to roll the entire spread out to July. What I like to do first is I like to go out to the cycle where we are rolling to, and remember we're going to roll down the call, but we're going to leave the put the same. On the call, we're currently at the 59, but we want to roll down to about the 30 delta. Now, we've got the 28 or the 37, and so I like to go a little bit above if it's kind of in between. We choose the 37, which is the 53 strike. We're going to roll the calls down from 59 to 53. You can see that our put is also at 53, so we're essentially going to roll that down into a straddle. What I like to do is I like to set it up on this first exactly what we're going to do in the cycle that we're going to roll to. We're going to use the 53, and we're going to sell a, well, in this case, we can just sell a straddle. So it's a 53 call, 53 put, and we have done three contracts on this. So just to make it match up, let's move that to three and we'll take this over to the analyze tab, click off our current position just to get a visual of what that's going to look like after we make the roll. So that's what it is. It's a 53 straddle. We've got a little bit more of a buffer, a little bit more room to the upside, which I like. It's made a significant move lower. So if we get a little bit of a bounce or retracement off of this, then that will benefit us implied volatility is still nice and high with the IV percentile at 87 IV rank at 47. And so this looks good. Now, the one thing I do want to point out if we go back to the trade tab is look at the open interest. It is not really that great. Any strike that we trade, we like to really be in the hundreds, but here's why I'm okay doing this. A, the bid ask spreads are decent. They're a little wider than I like as well. But what you'll come to find out is if you go back to the June cycle, I mean, this has in the thousands of the, you know, not the half strikes, but the full dollar strikes, you know, they're in the thousands and that's going to start happening in July as the open interest starts to pour into this cycle. So we won't have any problem getting out. So that's why I don't mind getting into this, even though the open interest looks a little sparse, you can see over on the put side, it's much heavier, but that'll start to fill in as we move through time and get closer to that expiration date. So I don't see that as really much of an issue at this point. So let's go ahead and do that role. So we can essentially do this all in one transaction. So just highlight the position you're rolling, right click, create rolling order, and it's the first one, sell double diagonal. Now, what we'll have to do because it automatically defaults to the exact same strikes into the next weekly cycle. So the reason I set this one up first is so I can reference it just so I don't make any mistakes and I can just view it and copy it exactly like this. So July 19th is the expiration. So we want to change this to July 19th, and then we're selling the 53 call and selling the 53 put. So I just need to make sure that that changed to 53. These top two match up with the order that I had already put in the analyze tab. We're good to go there. We're going to get a credit for this role. So let's come right off midpoint, see if we can get filled pretty quickly, hit confirm and send and give it a couple of seconds. Then we sure did. In fact, we put it at 131. We got price improved up to 143. So that can happen sometime, especially when markets are moving, prices moving around, we can now delete our theoretical position. And we have rolled this out from June to July and adjusted our calls down from 59 to 53. So we're now in the short straddle at the 53 strike in July. That's what we wanted. And so we've completed the role. I hope that was helpful. If you have any questions, let us know. If you want to check out everything that we're doing, just check us out at navigationtrading.com.


Today is day three of our five day user best warrior event and user raft two competitors. So today is the midpoint. They don't know that, but today is the midpoint. So this morning, the buddy runs six miles, teams of two, and they keep coming upon stations that they have to negotiate. We tested medical, Kazibac, we tested call for fire, we tested weapons, they had multiple weapons on the table, and we tested communication skills. So and then we're finishing up right now with their mystery event, which consisted of a high rope scores, which is 47 obstacles way above me. And if you really want to test your personal courage and your army values, this is the place to do it. It is amazing. We're on day three and the way they're gelling as soldiers and you're seeing leaders helping each other, you're seeing soldiers motivate each other. It only happens in the army. So the one common denominator is we are United States Army Europe and we're soldiers.


Hey, J.O.W.I.N. I'll never forget when I thought I was, I thought my tag was scraped. Kids, leave me, man. How you doing online, online? Liga, I thought my tag was scraped. Online. Liga, they were around 2010. They were around 2011. I was in the Crown Victoria. Ashes had cracked all my clothes off that day. It was just, it was just the car, the car cover.  It was just ashes.  I love my motherfuckin' Crown Vic, nigga. And my tie rods was loose, so my wheels used to go to the left.  My windshield looked like I'm turning to the left, but it's scraped. Right now, nigga, I'll never get too changed. J.K. came out and they got their true album. Lint, nigga, I roll right padded poli. All I want for my birthday is a big booty hole. Nigga, I roll right padded. He got right behind me.  I'm clean, nigga. I'm like, nigga, what, man? He like, nigga, you got a warrant.  He like, nigga, the tag I just rent, because I bought it from a nigga who pawned the title, but he had like three months left on the tag, but he had a warrant in his name.  I paid $200 for the car. I'm riding. Where's the warrant? Man, that nigga pulled me out of the car. Where's the warrant? I had weed on my, I had weed in my pocket. I said, man, if this nigga moved to the left I'm one centimeter. I'm finna give everybody on Martin Luther King a show. I'm to my full-eyed side too. They like, well, hey, little John, what happened? I'm like, boy, y'all don't even know if this nigga moved to the left, it's about to go down. I'm about to run. I don't even know where I'm running, but I'm running, and I'm about to get y'all a show. But that nigga did not give me no room. That nigga was like, his feet was in my feet. He was like, pull it to the left. I was like, damn, he didn't give me no room. Boy, I don't talk about, it ain't no way I can do it.  I was like, you know what, he's about to get locked up. It's over with.  I said, damn, everybody's outside too. I was gonna give that a show, boy. I was gonna take off.  See a nigga down and going right on the main square, he's like, where is he going? He ain't busing, no parking, no net, he's just on the main street running. I feel like they couldn't get me. I feel like they couldn't get me. I feel like they couldn't get me. I never give him the police, watch me run. The nigga stopped running. He had the keys on his, on his seat. So when he was running behind me, he was like, shh, shh, shh, shh, taking all the keys.   So the nigga, the keys, I started not hearing the key. They were like, shh, shh, shh, shh. I was like, ooh, that nigga tired. I ain't even looking back, he's tired.  I'm in the apartment, I said, man, I'm gonna go across the building, go through the building and break through over there by the recreational center. Not knowing this nigga watching me the whole time, go across the building.  Then I came through them all the fucking, then breathe away. Man, I seen that nigga coming through that breathe way like this. I was like, man, I'm just finna make it to the grass.  Niggas got on top of my head, hit me in the face. Huh? How come you hit me? He like, why you run? I said, shh, you got a point? You got a point? See, nigga, I never got a lot of love over there on Camperty. And same story with this nigga.  Niggas, it's just so happening, nigga, died in the apartment, so the Red Dolls out there. So anything, anything, flaw moving, they on ya. They see my partner reach into the car, hand my partner a food-style card, and when he was about to get out, they pull up, don't go by the move.  So he on my dough, nigga, I cracked my dough ASAP. Niggas, I got my dough slight open. And then nigga got that Cam on my side.  I was like, no. He was like, anybody else got weed on him? I was like, no. He was like, all right. And he just stayed by my dough. Just chinning.  Other niggas in the car, nigga, I think he wanna ask, they ask some questions, nigga. You know what I'm saying? I'm saying, you need to move, go to the back dough. You know what I'm saying?   That was my motto, boys.  Brian, you get caught in the tribe, man. Just run, man.  It don't matter what. I said, everybody run. I used to run.  I ran around the red back on the scene.  I ran back on the scene. They got red.    Let's go, let's go, let's go. I ran around the red back on the scene.  You know what I'm saying, not the whole way. They turned that back on me, bro. They turned that back on me first. You ain't doing no difference, though.  This is it.  What you did to him? Man, I ain't even shitting him. Let me tell you what happened.   He ran around the hood. He pulled up, we break it, nigga. He pulled back up, we break it. He's like, nigga, dedicate it.   Nigga, like I said, ran back to the scene. Ran back on the scene.  I dust myself off. I'm like, I don't know. Anybody know how I been out here?  I see the nigga, the nigga was like, yeah, yeah, cool. The nigga was jeans, shorts, and some Timbs.  He started, he was like, I ain't little nigga. My instinct is, my hands go up in the air.  He said, I ain't throwin' my rock at your car, so I swung everything. I just got off the bus, nigga, bustin' your round back. So you gotta be quick on your feet, man, in the hood. I said, boy, the bus, your round back. He said, nigga, no, you didn't. Nigga, I see my partner, brother, Nuke. He hold it in the air, but I said, Nuke. I can't even see Nuke. I'm like, Nuke, come here, bro. I said, nigga, I just got on the boat with you. And nigga, Nuke turned back around, came up to the nigga. Looked at me, looked at the nigga and said, I don't know him, sir. Wow.  I was over there like, Nuke! Nuke!  Nigga ain't with me. I sound, nigga, I hold them niggas, niggas. All of them niggas, you care of me, you better be kiddin' those niggas, too. And nigga, Nuke looked at me, and looked at that nigga, had that knife in his hand, bro. And I was like, I don't know that man, bro. And walked straight off. Shot him off heart, hit the ground so bad, I saw it from the guy. You meant for the kid, me, y'all.    I gotta be the former. Give me that. I gotta tell them.   I knew never to tell again.


At Exercise 4 Slight, U.S. Marines plan a route for their squads during a live-fire scenario for their Japanese counterparts. Marines start the event with the tactical calling formation to get to the range. They move through tall grass to avoid detection and route to their destination as the Japanese ground self-defense force observe their movements. It's pretty hot out here and it's pretty rough running with the gear and just gives us a new mentality on how hard it was for Marines in the past. Other troops are using the MK-153 rockets and M-240 Bravo to ensure targets are being taken out. It's extremely fun. You get to shoot as many rounds as you want, accuracy by volume, that's all it is. Watch the targets explode. Reporting from Hijidai Manoeuvre area, Japan, I'm Seaman Stefan Jackson.


Hello, I welcome you all once again to my final Explore Education, I am Dr. Rashmi Singh, Assistant Professor, Department of Education, Assistant School of Girls to the College, University of Allahabad. And nowadays I am going, I am discussing the concept of guidance and counselling in which I have already discussed the types, techniques and approaches of counselling. This time I am going to discuss some of the tools for providing guidance in which this time I am going to discuss tools for measuring aptitude, achievement and interest. Okay, so let's start, this lecture will be in bilingual mode and it must be useful for all of you. It is quite obvious. So first of all, we are going to talk about your course or generally the guidance and counselling syllabus. Where does it come in? We have to provide guidance. If we want to give guidance to the students, then how will we know? First of all, what do you know? What does he think? How much power does he have? How capable is he? Then we will be able to give him educational and vocational guidance. So for that we have to do some test and administer. Generally in courses, intelligence, personality, creativity or aptitude or achievement or interest is asked. So in which intelligence, personality and creativity we have already talked about when we are studying psychology. In educational psychology, we have studied how to measure intelligence, how to measure personality and how to measure creativity. So I am not picking it up. I am taking what I have not discussed with you yet. So you will get a complete guidance to provide the necessary tools. Achievement, interest and aptitude. Share it here. Intelligence, personality, creativity. You know. So aptitude. So let's start with aptitude. The first thing is that in Hindi terms are different. But in English the name is aptitude or attitude. We get these and sometimes the students get confused about what it is. So the concept is what is aptitude and what is attitude. In Hindi the name is aptitude or aptitude. And aptitude is the age. So in Hindi it is clear that what is aptitude means. So what is aptitude? What is aptitude means that if we get proper environment provided, if we get proper training then we can do well in particular vocation. This is aptitude. This is one of your special qualities that you have. You have ability. If we give you motivation, training, environment, experience then you will do well. And what is aptitude? Now the age. If you look at it normally then you can see it. How do you think about that particular concept? This is aptitude. For example, it is a field. It is banking. So our aptitude is not good for it. No, that job is not good. There is a lot of work in it. It may be different from the manual. It may be difficult. So the attitude is wrong. So this or this attitude is good. So how is our view? So the attitude is the view. And aptitude is the strength. In Hindi it is the strength or strength. So aptitude, aptitude may be defined as a trait that characterizes an individual's ability to perform in a specific area or to acquire the learning necessary for performance in a given area. So this is the rule. It can be defined as a rule that the person's ability to perform in a specific area can perform well if he is given particular learning. If he is given that experience. So it presumes an inherent or natural ability. So it is naturally in you that you have an aptitude for a particular field. To be developed to its maximum through learning or other experiences. If you have the ability to provide more training for it then you can perform it well. An aptitude test is also an instrument used to determine and measure an individual's ability and skills to acquire through future training. So in the exam of aptitude we measure and determine that the person's ability to acquire skills can be improved in the future. So aptitude tests may potentially be used by counselors and others. Why is aptitude test used? What can it do? They may identify potential abilities of which the individual is not aware. We may not know that there is an aptitude for a particular field. So you can be aware of the test by counseling the individual who is a client. They may encourage the development of special and potential abilities of a given individual. That is to say, a particular field can be processed on the basis of aptitude test. They may provide information to assist an individual in making educational and career decisions. We will know which field is best for our aptitude. So you can tell us how you can choose which field. And they may serve as an aid in predicting the level of academic or vocational success an individual might anticipate a particular field. What should we take for academic, science, arts, commerce? Which vocation should we choose? We can predict from a futuristic point of view that if you take this, you will have aptitude for a particular field. And they may be useful in grouping individuals with similar aptitudes for development and other educational purposes. We can be aware that the aptitude of particular children is similar. So we can make a sample of them and use them for development and science. So this is the aptitude and aptitude test. What are the types? There are two types. There are aptitude tests may be classified into two groups. It can be divided into two categories. Multiple aptitude tests and specific aptitude tests. The name itself tells that the multiple aptitude test will be tested in many ways. And the specific aptitude test will be tested once in a time. Like multiple aptitude tests are those that intend to measure various areas of aptitude. There are many types of aptitude tests and independent sub-tests. There will be some sub-tests in one main test. Whereas the special aptitude test may be one specific aptitude like teaching, musical, etc. Whereas the special aptitude test will measure a specific field of aptitude. Like teaching aptitude. These are the entrance examinations of our B.Ed. These are the net examinations. These are the pressures of teaching aptitude. So that the person becomes a teacher, there is no aptitude for teaching. Special aptitude tests usually refer to those that seek to measure an individual's potential ability to perform or to acquire proficiency in a specific occupation or the type of activity. When we apply specific aptitude test we will get to know if there is any special occupation, job or vocation for you. Tests that measure special aptitude are sometimes called single aptitude tests. Sometimes they are called single aptitude tests because they measure only one aptitude. Counselors most frequently would standardize tests to measure a single aptitude in the areas of mechanical, clinical and artistic abilities. And the counselors generally use mental health tests to measure a particular aptitude. Then there may be vocational aptitude batteries. There are many tests called battery. For example, Bhatia Battery is very famous. Why Bhatia Battery is its name? Because there are many sub-tests. So you can understand what battery means in tests. I read this definition in 8th-9th class. But till today, it is the same. Cell's best aptitude test is called battery. So you can understand that the test made by many tests will be called battery. So multiple aptitude tests typically consist of a series of sub-tests that relate in varying combinations to a series of occupations or occupationally related activities. So there may be many in this such as general aptitude test battery, differential aptitude battery, the Flanagan aptitude classification test. So you have to know its name. Then there is a scholastic aptitude test which is called scholastic sample. If a person can excel in one's potential for performing in an academic situation, then aptitude tests are used to predict the future performance of students. We applied aptitude test to the student. We found out that there is a clerical aptitude or musical or academic. So we will give educational guidance to the student to work in that field. So we can make a futuristic plan from aptitude. Why? Because this is the definition that you have the chance if you are given training, you will do well in it. Okay? This is the meaning of it. Then achievement test. Achievement tests are administered to students to measure their learning outcome. Achievement test is called Uplabdi Parikshan. So Uplabdi Parikshan is generally in the school condition, in the school colleges, the teacher who takes the test of the student is called achievement test. So the main theme is what the student has learnt. We want to measure his learning outcome. These tests show what has been learned by the student. What the student has learnt rather than to predict future performances. We are not telling anything about future performances. We are telling that the course that you have covered, how much you have learnt. As in the case of aptitude. In school subjects, all unit, semester and terminal examination tests are nothing but achievement tests. That is, as in the case of Uplabdi Parikshan, we have to do all the tests. These tests focus on skills or abilities that are traditionally taught in the schools. Therefore, achievement tests may be defined as tools designed to measure the degree of student learning in specific curriculum areas common to most schools such as mathematics, English uses. Okay? So, we have done the teacher made test and standardized achievement test. That is, we said in the class that we have to take a surprise test. So, the teacher made test. And we have done the Uplabdi Parikshan. In which there will be norms, age norms, grade norms. You can tell from peer groups that how the student has performed. So, achievement tests are used as learning measures of what we will measure in the Uplabdi Parikshan. Comparison with others and with the achievement of self in other areas. Or you can tell from other things how you are doing. Or you can tell from other students. Level of learning in sub-areas. Strengths and weaknesses in a subject matter area. You will get to know in which you are doing good and bad. So, diagnostic test also comes in. So, this is all about achievement tests. Then, the types. There are general achievement tests and specific achievement tests. These are the general educational achievement of the students at different stages. Which includes the common subject areas taught at the school in a particular class. Generally, that is not happening in all the subjects you have done. And when it comes to special, selected areas will be selected. We will choose to do achievement tests in this area. These are two types. Diagnostic test and the standardized summative achievement test. So, we have to diagnose. There is terminology of teaching learning. So, what is done in diagnostics? In diagnostics, we check the areas where students show weakness. They are used to determine the areas of difficulties of the students. So, we get to know where the child is worried. And for that, we provide remedy. That is, we increase it. And the standardized summative achievement test. So, we will be able to tell about it in the second class. So, we will be able to tell about it in the second class. There are many types of it. So, we have to go into all the details. We just need to know the name of the achievement test. For example, California achievement test. We call it CAT, CAT. Metropolitan achievement test, MAD. Similarly, comprehensive test of basic skills, sequential test of educational progress. So, some Indian students have done it. For example, CIE, Hindi class 7, mother tongue test in Hindi, BK Shivastava achievement test, social science archivision. So, this is the achievement test. What is the need for achievement test? What did the child learn? What is the learning outcome? What are the limitations? Scores in the achievement test may not be the exact measure of achievement in the concerned field as the assessment is done in a subjective way. The long answer can be subjectivity. Who has made such a question? Who does marking? Who does strict marking? Who does general marking? So, these things make it weak. It is not necessary that the child has performed well. So, the learning is less. Then, how did the standard of teaching be taught to the students? Whether it was completed or not? If you ask without completing, the student will perform poorly. The testing condition was being tested in the evening. Prior information to the students, did you tell the students whether they are going to take the test? The general student will read it only when he tells them. Then, how much practice of the student is given to test? These all affect the student's development. So, these are all its limits. Now, we are taking interest. Now, we are taking interest. Now, there is a time. Now, there is a age. Now, there is a interest. Now, what is interest? What is the need of interest? Interest is a behavior orientation. It is an orientation of our business of which things we are interested in, in which tasks, in which concepts we are interested in. It is an expression of our likes and dislikes. We do not like someone, we are attracted to someone, we do not feel like doing it. So, interests are related to general abilities, special aptitudes and values in various ways. So, this is connected to our youth, our special powers and it is also connected to our principles. Linguistic and scientific interests are positively correlated with intelligence. If you are more intelligent then you will be interested in linguistic and scientific concepts. So, we do not have to have any interest. How can we have interest? For example, you can observe your student and your child. What is the interest in it? Or the claims of the councillor. The councillor himself tells you that he is interested in this area. Or the use of instrument. We can also find out from the instrument like the Michigan Vocabulary Test. What happens is that if you are interested in a particular area, you will know the most about that area. Then the use of inventories. Interest is not the most important in the inventory. That is why the interest in the inventory is said together. So, what is the inventory? We may determine the pattern of an individual's interest from his or her responses of occupations and activities. That is to say, we can know about a person's interest in such a way that we can see his response. What kind of occupation or activity is he giving? This is also made like a questionnaire. So, what we do is that inventories have been mostly used for measuring personality traits, interests, values and adjustment. What can you do with the inventory? What can you do with a person? What can you learn about his interest? What kind of emotion we have for the person? So, interest in the inventory is provided information about the students' preferences which are more stable than the verbally claimed interest. So, we have said verbally that we should be interested in this. We are saying that we should be interested in this. So, more than that, you can say that the inventory is reliable. So, what we do in this? We do it by saying that the third option is given and you do not have to choose which one you will choose. So, you have to give preference to that. We have given you three occupations. So, tell us what is the most and what is the least among them? So, this is how it is known that the person is interested in this. So, the Cooder Interest Inventory is most famous. There are many types like Cooder Vocational Preference Record, Cooder General Interest Survey, Cooder Occupational Interest Inventory. Apart from that, there is also Strong Vocational Interest Blank, SVIB, which is also very popular to know what is the interest for this business and what is the assumption that a person who has interest patterns is typical of successful people who in a given occupation will enjoy and find successful satisfaction in that occupation. So, let us check that the successful people of any particular business and their interest patterns if you get your interest pattern then you will do well in this particular field. So, in Cooder Interest Inventory, there is a forced choice tried i.e. from three options you have to choose one, two, three. What are the advantages and limitations of this? That it is well adapted, it is good a counselor knows it is good, it is a little reliable from the inventory and the counselor also knows that it is economical and you can perform it in a group and you get preliminary information for a group. If you are not able to understand then you are not able to respond properly or you can apply this test with a mature person or with small children and you should not over emphasize this test. The submission of Ruchi is made with yoga, education and resources. So, we cannot tell by applying Ruchi's test that what occupation of a person will have to go along with it we will have to achieve aptitude then you can give the right information. In this way for guidance which tools will be needed I have covered this for you because of interest, personality, creativity you know aptitude, achievement and interest I have told you so you have come to know how you can give sexual and sexual orientation to students with these tests. Okay, so in this way I have covered this very much topic too Thank you and don't forget to like and subscribe my channel Explore Education I have done from my side


The world is a very different place from the last time we met you on this show. War has broken out, not just the war of bombs and missiles, but also the silent war of sanctions, which will have an effect on the lives of millions of people. Across the world, people are asking one question, how will this end? We'll be discussing all this and more on this episode of Mapping Fortlines. Before we get into these questions, let's first take a look at the military situation on the ground right now. As we know, the Russian attack began on February 24th and over the past seven to eight days, it has focused on four main axes. The first axis as we see is around the capital city of Kiev, Ukraine's capital city. There, a vast Russian contingent is awaiting some miles away from the city. The second major axis is around the city of Kharkiv. The third major axis is in the Donbas region and the fourth major axis is from Crimea. From all these areas, Russian troops have entered Ukrainian territory. A key city of Kherson has been captured. The city of Odessa is what seems to be one key target. The city of Mariupol seems to be another key target. The important question, of course, is will an attack take place on Kiev? If so, what will happen? To know more about this, we have with us Prabir Purkayashta. Prabir, so first of all, we've seen the military situation on the ground and we've seen the specific directions in which the Russian troops have advanced over the past few days. So, could you maybe take us through what seems, of course, it's difficult to completely analyze it, but what seems to be the significance of these key directions in which the Russian advance has been taken place? I think that's a very important question. Of course, it also has to do with what the end goal Russia has with respect to Ukraine. It has said the denazification. It has said the demilitarization of Ukraine. Now, what does that really mean in actual practice? Does it mean smashing the state itself, taking over Ukraine and then running it for some time? Is that even feasible given what we see? And after all, Ukraine is not a small country. It's a country of 40 million people, 40-45 million people, whichever you want to count it. And it is the second largest country in terms of area in Europe. So, this is not a simple target, as it might appear. So, if you look at the more restricted military targets, what we see from the map that we have here, seems to be one is, of course, surround Kiev. And that they have done from coming from east, the Belarus side, and also coming from the, again, from the other side, the eastern side of Kiev. Both there is a Spencer, west and east, from which they seem to have come. And a possible encirclement of Kiev is there, though they have said they're going to leave a corridor for the civilians to go out of. So, this is the Kiev situation. At the moment, we don't see an assault in Kiev that we see in, for instance, in Kharkiv. Now, Kharkiv seems to be linked much more close to what has been for Russia a major issue, which is the Donbas region, which is what they said was a military action for. The Donbas region, Lugansk and Donetsk, where there is a strong Russian-speaking majority who have been under siege, and who are at a threat, again, of assaults. That's what the statements have been. And the fact that there seems to have been also bombardment preceding even this action. In fact, some kind of civil war equivalent has been going on this region for quite some time. The last part of it is that Crimea, there are two arrows that you can see go. One goes to the Donbas region. So, it's a kind of encirclement that they're trying, it seems. And the other is going towards Odessa, which means really looking at the Black Sea coastal region. And see that it's also is taken away so that they have control over the Black Sea strategically and doesn't leave it in the hands of Ukraine. Because there was a naval base being set up over there, Rokhachov base that was being talked about, which could be used to attack the Russian navy in Black Sea. That's the argument that we are hearing. So, this arc seems to be also there by which there is an attempt to take over the coastal areas. It's interesting that the one which is going from Crimea goes to Mykolov. And it seems to be somewhere, something which doesn't really need to be there for strategic purpose of controlling the Black Sea coast that we talked about. Now, there could be a secondary target here, which is a nuclear plant, which is in Mykolov Oblast province. There's a very large nuclear plant. Maybe these are also targets. Because one of the issues, unstated issues really is the nuclear reactors in Kiev and the possibility therefore of Kiev turning towards nuclear weapons at some point of time. So, is it also meant to see that this does not happen? Therefore are the secondary targets. But again, western Ukraine doesn't seem to be under attack at the moment. It doesn't mean that this can be a policy which could be extended to western Ukraine, not from the disposition we see at the moment. So, this is broadly the military position. What is unfortunate is that we are seeing also now civilian casualties in Kharkiv and it does seem that if populated areas are taken, then of course there will be civilian casualties and casualties would be high on both sides. We see a similar possibility in Mariupol where it seems there is a strong group over there and they seem to be targets of the Russian army and they seem to be holding out as of now. So, what we will see in Mariupol could be much more bitter fighting and Kharkiv we are already seeing bitter fighting in which even in the student has lost his life. So, all these things are things to watch at the moment no let up in the military actions and no easy victories as some people might have claimed, nor is it showing any signs of slowing down as people might have also speculated. So, I think that each side is on track claiming what they are saying maybe overstated claims, but more or less claims that Ukraine claiming they are holding out in their areas and Russian advance steady and seem to be achieving the strategic goals. We do not know what the target timeline they have because that is something only they would know, but as of now significant advances and significant movement of the Russian forces have taken place even though Americans and Europeans are claiming that Russia has not used its full 150,000 to 100,000 they said were ready for entering Ukraine. They have not used their full force as yet. So, we still have to see what is in store for the war that we are seeing. Right Prabir and like you said of course one strategic aim seems to be cutting off Ukraine's access to the Black Sea. The other aspect also seems to be in some senses as a demographic component as well because the bulk of the focus seems to be in the eastern areas where the Russian speaking population is actually in more of a majority. That is the other aspect of Ukraine which people are glossing over at the moment in their hurry to look at the colour of the skin and the colour of the hair of the Ukrainian people. It's true as somebody has said his emotionally becomes much more upset when he looks at blonde hair and blue-eyed people being under attack. I think this is the deputy prosecutor of Ukraine who has said it's not a minor figure and this kind of sentiments we have heard of but the point is there are deep divisions within Ukraine and part of it is what Putin was very emotional about that Lenin created Ukraine by handing over Russian territory. The reality is that a lot of Russia's emotions are bundled up with Kiev because they look up the expansion of Kievan roots is what is the foundation of Russia is how they look at it. But if you forget the history because this is also the Kosovo history if you remember with Serbia. If you forget about that then there is no question that if you look at the eastern part of Ukraine then that is linguistically as this map will show that is linguistically much more of Russian speakers and also Russian ethnicity. If you take the western part of Ukraine this side which is there you will see that the Ukrainian language what is now being called Ukrainian language that dominates and if you look at the political map the 2010 elections between Yanukovych and Hulia Timoshenko then you will see the map very closely onto the linguistic boundaries of Ukraine. So this has been the underlying division which is there as you know after the Maidan revolution as it is called 2014 when Yanukovych was overthrown and this was orchestrated between the Newland, Mrs. Newland then you had the American ambassador in Ukraine at the time discussing with the State Department officials discussing who should be the new president and we shouldn't bother about either European Union or we shouldn't bother about who won the election Yanukovych won the election we need to overthrow him and put our man over there. So this was the turning point where actually the sham of Ukraine State being independent of the European Union and the United States essentially the NATO powers was removed and it was made clear that this is what we are going to now control Ukraine is what we are now going to control and that is the history behind what we saw later as the Donbass revolt because there is an attempt also to deny Russian language. 50% of your speaker or 45% of your people speak Russia as their first language and think that's their ethnicity then giving it a place was either necessary or you are talking of a separation separation happened in Czechoslovakia where the Czech and Slovak population mutually decided to separate it happened very brutally in Yugoslavia a Serbian Croatian and what's called the Bosnians separated and this again was NATO was instrumental as you know and break up as well as finally bombing Serbia to quote unquote liberate Kosovo which still remains as a statelet as of date. So this battle to break up Ukraine is not it doesn't happen independently of the fact that in 2014 an overthrow of an elected government and not giving space then to Russian ethnicities come up in terms of language and schools Russian was a language which was supposed to be in lots of places the medium instruction that is stopped it's not supposed to be taught you have the language and television, radio even newspapers, Russian language all of these instruments of public opinion being taken away so all of this was seen as obliteration of a identity of a section of the people now that is also the reason Russia came in in support of Donbas and has now also militarily targeted that region. So I think this part of it that's why they don't seem to be at the moment showing much military interest on the western part or west of Kiev and Kiev seems to be their target in order to see, to show to the world that they are controlling the capital militarily. So this is at the moment what we see what further lies in store for us we don't know but these are the historical currents which Putin has talked about these are the currents that we know from what we have seen and what history tells us and this is where it seems to be at the moment. Praveen of course another front on this whole issue is that of sanctions we have seen that major Russian banks are going to be cut off from swift on the 12th of March I believe we have also seen that there has been an exemption granted to purchasing Russian oil and Russian natural gas as well so those supplies are still set to continue the Russian central banks reserves, foreign reserves have been blocked so lot of questions remaining really on one how exactly is any, how exactly is trade going to continue in the first place and two does Russia have any kind of responses to the situation or are they going to face a major crisis? Well you know the crisis is of an uncertain character at the moment because nobody's ever foreseen a sanctioning of a central bank of this magnitude Russia is not a small player economically it's a primary producer of a number of goods including of course oil and gas, coal and also imports a lot of stuff so this it has an economic weight in the international scenario therefore sanctioning a central bank of this size is something which is uncharted territory for everybody now there seems to be two parts to it let me go over the two parts one is the whole foreign exchange reserves now those foreign exchange reserves are quote unquote frozen and what does it mean when you freeze Russian reserves which are for instance in dollars or in euros we don't know because does it mean that Russia is therefore losing means expropriation of the reserves because that would be a step beyond what the parties are saying so the freezing of the assets of this variety which is what they would then be able to use for payment of things then they buy they can't pay for that now so effectively freezing of the assets to me is equivalent to expropriation so that is a very very significant act of war so this is economic war let's call it what it is the second part of this is that they have not as you said sanctioned the banks that deal with oil and gas now oil and gas the banks gas from bank for instance is one of them there's another bank which deals with gas and oil exports now if they export the oil and gas what are they going to be paid in and how will Russia receive that money if they're paid in dollars or they paid in euros now they can't take it inside because normally what they would do is either buy stuff in dollars or in euros and export it to Russia transact that dollar or euro account can they do it even if they are not cut off from the swift are they allowed to do it this is one question if they bring it to Russia then of course what happens is their Russian central bank then is essentially holding dollar reserves or euro reserves and then that also gets frozen so what happens to this is not clear so the idea that Russia would accumulate frozen assets if that is the idea then that won't fly so Russia has no interest or incentive to do it so that is one big question that how the non sanctioned banks which deal with energy will still continue and these are not small amounts that you are talking about because I think about 25-30% of EU's gas comes from Russia for Germany for instance 40% or 50% of their coal comes from Russia for United States heavy crude after Venezuela Russia is the only supplier since Venezuela is embargoed so that they are getting from Russia and they don't want to sanction that because that will be a huge hole in their production of oil so all of this how they are going to handle can they have their cake and eat it too is the issue that we have to face and the argument that those banks can continue with business as usual seems to be that there is going to be very asymmetric behavior that they expect out of Russia and Russia of course have the possibility of retaliation we have to see whether this money can be used for again external account settling their external account or not and if not then we are in a different situation of course they have the option of doing the oil and gas and coal transfers in Remini so Chinese currency could be used but more important than any of this is this is a significant blow to the primacy of the dollar in future because every country in the world will have to think that if United States want European Union and United States go together if they want they have the ability now to show any country and seize their foreign assets and that is an important issue the Russian response has been of course to declare basically their currency is not convertible 80% of any investment that has been made in Russia cannot be taken out so there are various capital controls there going so the external account we can go to a scenario where for instance which India had once upon a time Russia also had a non-convertible currency so that is one way of responding and I think that they have already started so those things are there but seizing of assets and you can see the amount of assets we are talking about except for the gold and what they hold in China the Chinese bank as the graphic shows the rest of it is all held either in foreign banks or in liquid assets which we don't know what or where it is held but since they are dollar or euro assets they are at definitely at risk of being frozen they cannot be transacted so essentially that's a kind of indirect seizure of their foreign assets and from it finally like I said the question that's on everyone's mind right now which is that is there a possibility for both sides to withdraw from the current face-off that they're in we do know that one round of talks did take place no senior officials of course participating in those round of talks they both presented a series of demands which probably have been what are called maximalist demands but in the coming days is there a possibility where of course difficult to predict but is there a possibility where there could be some kind of negotiations and this immediate conflict ends I don't think Ukrainian is even a player in all this because Russia is concerned they want to deal with NATO and if NATO is not on the table Ukraine is not in a position to negotiate anything because Ukraine at the moment has become essentially in the hands of NATO completely it has virtually given up its autonomy as we can see so the off ramp has to come either from Russia saying okay now we are willing to negotiate we'll stop the advance I don't see them doing it because at the moment why should they do it if the other side is not reciprocating anything so the entire exercise they have done seems to then go into a deep freeze and it doesn't get them anywhere so I think they will then push on for some tangible benefits on the European Union and NATO side European Union at the moment has more or less surrendered its autonomy to the United States and one of the fallouts of Afghanistan we had said is the weakening of NATO we seem to see European Union now much more integrated with within NATO Germany talking about increasing its military spending etc so what we have to talk is does United States offer an off ramp which is essentially NATO's expansion in Ukraine and in the Baltic States putting nuclear missiles over there putting missile batteries over there unless these come under discussion I do not see there is a immediate off ramp to this war at the moment so both sides have to come down to the key question where does the military balance now remain and is the military balance is somewhere in between the maximalist positions of Russia and the maximalist positions of the day of NATO or is there a possibility somewhere in between in both sides can reluctantly but come together now if they don't we are facing a very very dangerous time because these are all nuclear power so I don't think we should really neglect that dimension of the problem and there are 15 nuclear reactors in Ukraine that's not a small number anything happens over there you are going to see another Chernobyl in that part of the world let's not forget it happened once it can easily happen again and the midst of war to keep nuclear reactors safe it's not an easy task so I think all of those things we have to take into account how to Russia wages war and how can it withdraw from it and how can NATO stop its rather reckless march towards the east which people like Kissinger, Keenan, George Keenan the doyen of American foreign policy all of them had said this is not the way to go we should really think much more about it and this is not a long term it's not going to be of help to the world or to NATO or to the United States I think that is something we need to put back on the table absolutely thank you so much for being here the coming days of course will be crucial it will be coming back with mapping fault lines to look at some of these developments until then keep watching NewsClick


Hey coach, welcome back to channel now. I'm gonna try to dig straight into it here one of the coaches that I just recently started working with He was said it was okay that I share this and what I want to do is I want to break down his business here He is one coach. He's generating currently Right around two hundred thousand dollars per year doesn't have any employees has very low overhead Works probably six to seven hours per week of actual training sessions What I want to do on this spreadsheet here is break down how this is set up so Right now he's generating on two hundred thousand dollars a year. All right. He's in basketball All right, that's his the sport that he's in his business model is group training And the way he has it structured currently players per group. He has ten players per group and he has Six groups. All right. I have a little typo here. So six groups total Each session is one hour. All right, and the way he has it set up is the price per player is $250 per month. All right. So if you take 250 times 60 clients That's fifteen thousand dollars per month. All right. So that's what he's earning per month just from his groups All right, again, he's doing six groups and he has those on set days set times I believe he has all of his training condensed right now to two days. I think it's on Thursdays and Fridays So when he has his sessions And then during the year He runs quarterly camps. So the quarterly camps typically generates total about 20,000 during the year now I'm showing you this Not to like motivate you or anything like that. I'm showing this to show you what's possible One coach generating two hundred thousand dollars per year very simple business model All right, and one thing that I'm working on with him is we're going to be increasing the price per player And we're going to be switching from quarterly camps to a monthly clinic model All right, and the reason why we're going to do that that's going to end up generating a lot more revenue But that's going to bring more players into his groups that he has and he's going to extend each group from six players or sorry from 12 players to Sorry 10 players my bad to 16 So we're going to add look to add six new clients to each group He has and then we're gonna we're gonna cap that out. So I Want to show you this kind of behind the scenes look How this is set up? Sorry my throat is killing me right now But I wanted to share this and and show you what's possible All right, this coach has been in business and I should have put the series been in business for four years He used to do all one-on-one training Now everything is done in a group format. He has his clients sign up for a year agreement So this is not set up to where he's chasing people down it is very systemized and automated and If you're watching this and you want to have a business like this set up reach out to me All you need to do is go to the link in the description You can set up a call with me there or go to my website build my sports biz comm You can find me there or shoot me a text at<PHONE_NUMBER> So that's it for today's video hope this helps and again I want to show you a very simple business model here that I feel like coaches that have clients already Can transition to that's it. See you later


In this video, we provide the solution to question number four for practice exam number four for math 1030 In which case we have to evaluate the product of 10 permutation four times 10 Combination four divided by four factorial. So let's go into the definition of what these things here mean What is 10? Permutation four even mean So the idea there is you're gonna get 10 times 9 times 8 times 7 so starting at 10 You fall downwards four times, okay Then you have a four factorial on the bottom four times three times two times one And then with a combination There's a couple ways you can do it you can treat it like it. Well, I'll just write it out as a factorial here So you're gonna get ten factorial ten times nine times eight times seven times six That's a six there times five times four times three times two times one And then you're gonna sit on top of four factorial again four times three times two times one And then you also are gonna end up with a six factor where six come from six is ten minus four So you're gonna get six times five times four times three times two times one And so now we want to cancel and simplify this thing This is gonna in fact be an integer when we're done So the six factorial will cancel off with this very quickly and now we're gonna search to cancel out the other Things notice that three times three is nine that cancels with that nine right there Four times two is an eight four times two is an eight So let's see what we have left over So things that didn't get cancelled out you're gonna get ten times nine times seven times ten again times seven again For which we end up with you know ten times ten of course is one hundred Times that by nine that makes it nine hundred and then seven times seven is forty nine And then if you take nine hundred times forty nine really we just have to do nine times forty nine and slap on two zeros at the end So honestly any answer that doesn't have two zeros on it. We can already eliminate it Okay, but anyways if you take nine times forty nine that's gonna give you four hundred and forty one slap on two zeros We get that the answer is forty four thousand one hundred so the correct answer here would be e


Um, let me just check to make sure that everybody can hear that is here from the council, uh, Dorothy Pam. Everybody probably walks away. I'll move, I'll move on to Kathy Shane. Yes, here present and can hear. Thank you. Alyssa present and can hear. Andy Steinberg. So I can hear. Pat D'Angeles. I can also hear. Mandy Joe. I'm here. Steve Schreiber. Here and can hear. Um, Darcy Dumont. Here. George Ryan. Present. Sarah Schwartz. You're here. Ross. Okay. And Dorothy Pam. Did I miss anybody? Please. Good girls. Okay. Again, this is a virtual meeting allowed by Governor Baker's order of March 12th. And we have already confirmed that all of the counselors are that are here can hear us and we can hear them. So I'm going to call this public forum to order at 601 on June 15th, 2020. And the purpose of a public forum is to hear from the public. And we have not tried this with the zoom aspect or zoom possibilities. And so let me just explain that in addition to having a public forum, we are going to have just a brief recap on case somebody hasn't joined us of the information session, but 50% of the time has to be for the public. Um, we are going to try something that if a person from the public would like to speak. Ask a question. Make a comment. You raise your hand and we're actually going to invite you in temporarily as a panelist and it'll be your choice as to whether or not you would like to be seen through video, or whether you're just going to have your name up there.  So, before we get started on the actual public comment period. I just want to ask Sean to make a very brief presentation that just summarizes what we just looked at. And you're doing your own screens right Sean. Yep, I'll bring it up right now. Thank you. Okay. So again, we're talking about the capital improvement program for FY 21. For FY 21. There are sort of three buckets of capital funding that we allocate projects from the first is cash capital. And that is based on the tax levy. And for this year we're proposing 530,000 firm roads, 170,000 for sidewalks for a total of $700,000 between the two. And then the rest of the cash capital funds will be used, we'll go into a capital reserve account and that capital reserve account would be used to address any urgent needs that arise between July one and the fall. And the reason that's the case between the fall is because we plan to reconvene JCPC in the fall and reevaluate the capital plan at that point based on whatever the economic situation is at the time. The other two funding sources for capital this year are potentially state aid chapter 90 money, we budget 184,841,883 dollars, but that is dependent on whether the state actually approves an allocation and how much they approve. And then the remainder is from Uber money for downtown improvements and that's $62,000. So the top half of these projects are these funding sources are summarized into this chart. The top half of this chart is the funding side of capital improvement plan and the bottom half of this chart is the expenditure side. So for FY 21, the total that we're proposing or total funds available is 3,687,934, which is comprised of the cash capital, the other and the state aid. And down below you'll see how those funds that are available are being allocated so cash capital. In addition to those projects that were just mentioned on the previous slides. It's also used to pay whatever debt has been approved in prior years and so cash capital goes towards the actual debt projected debt and then all those projects that were just identified. And then below that we use the other is the Uber money which is going for downtown improvements and then below that is the state aid, the chapter 90 funds that are going for roads and sidewalks. So all the funds that are available for FY 21 are being allocated, and then FY 22 and beyond. So the plan was left back in March. It hasn't been updated to reflect the new reality of what's happened after COVID-19 and that's something that will be updated for the fall as well. And that's it. I will turn it back for questions. Thank you, Sean. So actually at this point, Serge, who is helping us this evening. I'm going to have you take down the things so that we can all see each other. And I'm going to ask among the attendees first of all, let me restate. If you would like to connect to this meeting by zoom, you can do so using the, the zoom connect on the town website for this meeting. It also appears at the bottom of this agenda. If you are joining by phone, then you need to do a asterisk nine in order to be able to ask a question. If you are joining by zoom, you just need to raise your hand. So is there anybody among the attendees who at this time would like to ask a question or make a comment. If I see some one person, could you please identify yourself. It's a Athena, we need to unmute the person. Hi, my name is Evan O'Neill. And I live at six Smith Street in Amherst. Thank you. Would you like to be seen in in the video or just stay as a whatever works at either way is fine. You don't have to make yourself through the video if you want to or if not, just go ahead and make your statement. I think I'll just make my statements easier that way. I just wanted to. I wrote a letter to the town council. I think earlier in June requesting sidewalk funding. I just wanted to, to say I attended the special town council meeting that a half an hour ago and I was just happy to hear that there's really sounds to be sounds like there's an emphasis on sidewalk funding. And I just wanted to give a specific shout out that in my letter, we live right in downtown and run a very small street but a very heavily traffic street, both by cars and pedestrian traffic. It's really important that this street has a sidewalk. And there's also part of Kellogg Avenue that doesn't have a sidewalk and it's actually I think the most dangerous part of the, of the street that's kind of the windy part. And I specifically asked the council in the town to look at this and see if you could provide, you know, funding for a new sidewalk in these on these streets. So that was my specific shout out for new new sidewalks. I just wanted to say thank you for making sidewalks a priority. I think it's really important. Despite the problems I know the town's going to face in the future with funding but I think for pedestrian safety is just very important and thank you for that. Okay. Is there anything else that anybody that wants to respond to that comment. I don't know that there was a specific question, but we thank you for your comment. We're now going to put you back into the attendee area, but if you'd like to ask a question or make another statement, you can raise your hand again. Tony Cunningham. We're going to bring you in as a temporary panelist. You'd like to be seen. Please make your video available. So search you need to bring her in. Okay. Hope we haven't lost her. I added her as a panelist so she should be joining us. It doesn't take a little while. I could take a few seconds. Okay. We're trying something new because several people have expressed interest in seeing our speakers and seeing who is attending. We're not seeing Tony. There she is. Tony if you'd like to unmute and also be seen you can also show your video or just make your statement. I'm sorry. This is Tony Cunningham. I got cut off there. Is it my turn. Yes, it is. Great. Thank you. We're now showing as a panelist on a temporary basis. And if you'd like to show your video, you may and be live with us or you can just leave it the way it is. Okay, there you are Tony. Okay, thank you. I just wanted to thank the finance committee and the JCPC that have been pushing lately for the reports of unspent capital. And I think that's a vital piece of information when you try to determine how to allocate limited resources. And so I just wanted to thank the members of JCPC and finance committee for asking for the information and Sonya and Sean for providing it and Doug Slaughter also. And I'm glad to see that will be part of the process going forward. Any other comments at this time Tony. That's it for now. Thank you. Well, thank you. We're going to have you go back in as an attendee. We hope we don't lose you in the process. And you may come back at some other time. Are there other comments or questions from our statements from the attendees. We have plenty of time. Yes. I'm going to have Lovah Gilham and you can tell me I pronounced it incorrectly later. Please come into the comment area, and you can both unmute and also make sure we can see you. There is a bit of a time lag. I didn't realize there would be this much time lag. She should be joining us just shortly. Okay. I think we're back to progress of that search. Let me take a look and see what I can tell my end here. Because as we can all see the attendees, they disappear when they're like in this transition limbo. What happens is the person essentially the system exits the person out as an attendee and then they are rejoined as a panelist. We, in our experience, it worked pretty quickly, but it seems like there's a delay when there's a lot of attendees or in this situation. We'll keep waiting for her and make sure that when she comes into the panelist area that we let her know it's her turn. At this time, will there be other people who would like to make public comment? We're going to still wait on her. We have no other public comment at this time. Okay. I was just texted by Tony that when we transferred her, she was cut off and then she had to re log in with the zoom number again to get back into the meeting. Oh boy. Okay. Thank you, Tony for letting us know how that happened. So Lou Miller, if you can hear us, please log back in. That's that's very helpful. I think I think before we transition folks we, I think it'd be good for them to know that that's the normal process of re entering as a panelist. We have, we're going to continue the meeting anyway so hopefully. Miller will hear us if anybody money knows how to contact her, please go ahead. Oh, Lynn, is this a different process from what we used at the TSO meeting today because we're actually trying out a new process which allows us to at least have those people who are attendees who would like to speak to actually be shown come in as a panelist and therefore they can be shown by video as well as speak. This is because several of you have asked that we try to come up with a way to be more, if you will, a neighborhood if you will or a meeting. And so, Bella has come back into the room. We'd like to see if we can successfully transfer her surge. Hi. There we are. I apologize. I don't know whether I did something over there. You did it doesn't really matter. I wanted to ask what is our borrowing capacity, and how far are we along the process I'm sorry if it's out of sync with some of the other things you may have been discussing. I think under capital that's perfectly decent question. Sean or Paul. I don't know the exact number offhand we can get you that number it's pretty high. I think last time I looked at it was in 100 million dollar range. But we'll have to come back with the exact number it's a certain percentage of the, I think of the taxable property in town. They have more of a detail on that if you'd like. So it's about last I looked at was about 113 million. Okay, and I guess my question is actually in concert with some of the other capital projects that we are looking at in terms of planning. I'm not, I'm not very astute in terms of being able to look up meeting information and follow the conversation in town really so I'm sorry if I'm asking these questions out of place almost but I was thinking that we do have a number of projects that are in planning stages. And I was wondering if you had thought about how we might orchestrate being able to actually borrow in order to complete them. The ones that I'm particularly interested is the Jones library and the elementary school. And how we might be able to permit ourselves to actually engage in those projects whole all the way through. Let me start and then I'm going to ask Paul and Sonia and Sean or other counselors to chime in. We did begin very serious process of listening back in December for all four of the major capital projects, which are in fact the library. An elementary school, a fire station and EMS station combined, and also the Department of Public Works. We were proceeding along those lines and then as with so many other things COVID is interrupted. However, back in December we were accepted by the mass school of business authority in school, school building authority excuse me, into their process for planning for a new elementary school. And that process is beginning as we speak. And we'll take about a year to and a half to two years, come up with the curriculum plan, as well as begin to get started on the building plans, and then in the process.  That is subject to the approval of the town council. And should we choose, I said should, I didn't say we will should we choose to go out and under override we would. So that one is grant dependent. The second one that you mentioned is the Jones library which is also grant dependent. And frankly we don't know where things are with that one at this point and the reason we don't know where things are with that one is because we don't know whether or not the library commission with state level library commission will have the money to give any capital grants to your capital improvement. And if they do whether they will extend the timeline for that one. And again, unlike the fire station DPW those two are grant dependent, but the fire station and the DPW or not. The fire station is best location is still considered to be where DPW is, but we have still not found a suitable location to move DPW to. And so those two projects are further down on the list. The issue is not just borrowing capacity but making sure that we're in sync with what the residents of Amherst are thinking about as well as our ability to pay back all of the loans. So with that. Therefore the council, by the way, has not really returned to this discussion. I do want to ask others if they'd like to add to this conversation at this time.  Yeah, I just wanted to add to what Lynn just said LaMille that the debt capacity is one number the other one we're looking at or we will have to look at or some numbers Sean put up on how much money can we allocate each year to capital to pay back loans. We have some past that, and going forward if we have enough of an economic recovery to go back anywhere near to 10% of our general property right in will have more for capital in general and that means more so the timing of these matters for not just borrowing the money, but then being able to pay the annual amount back each year so it's, it's all intermingled with what he said about fiscal year 22 through 25. And those are the years that particularly apply to the school and the library in terms of their grant cycles. So we're going to have to be looking at both of those not just the ability to borrow it, but the ability to pay it back. So Sean or Sean or Sonia, any additional? No, I think you nailed it. Lynn and Kathy I appreciate you mentioning that I think it's something that's we've clearly been focused on one of the challenges has been the financing of all four projects, both on the ability for us to take on the debt but also for the taxpayers to take on the payments that are required to do all four and you know that the metrics we're dealing with is the length of time that we do them. We are driven by the grant cycle. And so we are any the two programs that library and schools have the ability to obtain grants the other two pro projects aren't do not have that capacity to get grants. I want to make sure that we give people who are in the audience and an opportunity to ask questions or make statements before I go back to our counselors. Are there other people who would like to make a comment. Okay, Dorothy you have your hand up, please unmute. Yes, I would like to ask something that so many people have asked me. Let's assume that we do the MS that the school grant is going forward. Will we be able to also go forward with the Jones library should that money be there. I mean, everyone this is what they ask me all the time. And I can't answer it it's it's it's way above my pay grade so I'd like to know from Sean whether how that looks given our temporary budget.  Hey, this is a council decision. It's not an issue. It is an issue of what we have in terms of debt ability to borrow and ability to pay back, but the decision to move forward on either of those projects is a council decision or decision that the council can decide to take to the public. That's correct, but I don't have any that if it's if we're told, it depends upon our ability to pay back. You know, do we have any knowledge of that. I'm going to Sean or Paul are Sonia would like to jump into that one. I'll just, I mean, so when we looked at things before COVID. There was some ability to do all four projects it's just it's all about allocating resources and how many resources you want to allocate to different projects and if you do that then you have to make decisions on other priorities so post COVID it's a little bit of a different story and at least in the short term, the amount of money that we have for capital is, you know, half of what it was last year at this time. So, over the next couple of years and we're doing the economic recovery. Some of those models that we looked at before COVID happened or are not going to be the same picture. So, something that we're going to have to look at again with our new reality at least while we're recovering economically. And Dorothy you know from our conversations and finance that know our hotel and food and restaurant revenues are down. Our parking revenues are down and so a lot's going to depend on the economic recovery and how long it is and how fast it happens. Okay, thank you. Are there other questions from our attendees. First of all, we're glad to see so many of you, but and we appreciate the questions and comments that people have made. We certainly would like to hear from more of you and we are going to end this at 630 unless there's more comments and go on to our regular council meeting. But I do want to urge you that at any time should you care to share with us various comments. Please write us at town council at Amherst MA dot gov. Okay. Any other comments from the audience. And I also want to thank those people who joined us tonight for their patience and being brought in as panelists so we can be seen and so you could be seen and we could hear from you directly. Okay, so that I'm going to adjourn this portion of our meeting.


Connor Newcombe here with Stevenson head coach Dave Trumbo after a straight sets victory over Albright and this one in coach First of all senior night, obviously some emotions for your four seniors. What did it mean to come away with a W? Well All four seniors have played for us for four years. So it was great to get them all in give them lots of playing time Everybody got a chance to play tonight. There wasn't a lot of pressure So it was it was nice a conference win. We have to have conference wins going into the playoffs to get a good seed I know your seniors were good, but Daryon Dility really stepped up. It seemed in that first set got you guys going on offense How important is she on the offensive end? She is really starting to connect with Mackenzie at Blevins and and Mikaela Thompson and every game she's getting better and better and so she got we knew we were gonna get single blocking in the middle and certain on certain routes tonight and our plan was to take advantage of that and They put the ball right there and she's really starting to hit the ball for us And then last thing it was Mikaela Thompson serving in that second set when you guys went on that huge run to pull away And set number two as a freshman for her. What does that do for her confidence? Mikaela is very confident. It's she is she doesn't get rattled. She's very calm out on the court We've been trying to work with her to talk more because she is quiet but she is a lot she has a lot of confidence in herself and She has a lot of experience coming into college. So we've been really pleased the way she she has played this year Thanks coach congrats on the victory. You're welcome. Thank you


Good morning, everyone. It's great to see you here. As John said, my name is Frances Seymour. I'm the Director General of the Center for International Forestry Research, or CIFOR, and it is my great pleasure to welcome you to Forest Day 5. According to our preregistration records, we may expect more than 1,200 people to join us over the course of the day today, representing a broad range of stakeholders in forest and climate change from at least 87 different countries. Our theme this year is From Policy to Practice. This theme acknowledges the progress that's been made since the first Forest Day in embedding forests into the UNFCCC agreements at the successive conferences of the parties, and the shift in relative emphasis from establishing policy towards realizing progress on the ground. Now, this theme of From Policy to Practice also refers to the continuum of Forest Day participants represented in this room, from policy-level negotiators to grass-roots-level practitioners, and we trust that all of you will find something for you in today's agenda. What we're going to do is start out with this opening plenary with welcoming remarks from representatives of our co-hosting organizations, the government of South Africa, and the collaborative partnership on forests, followed by two wonderful keynote addresses. And then we'll finish with a special tribute to Wangari Mathai, contributed by the Green Belt movement. You will have noticed that our opening plenary has a special focus on African issues and African voices, and that emphasis will continue throughout the day. The parallel discussion forums this morning will explore different aspects of Red Plus. One session looks at how Red Plus is unfolding on the ground, others look at reference levels in monitoring, biodiversity safeguards, the place of agroforestry, afforestation, and reforestation in Red Plus. Then in the afternoon, discussion forums will focus on adaptation, social safeguards, financing, and for the first time, a long overdue session on gender and one session on Rio Plus 20 preparations. In response to your feedback, we've asked the sponsors of discussion forums to have fewer formal presentations and more time for discussion. Back by popular demand is a midday high level session for quick updates from various speakers on recent developments related to climate and forests. For example, I'm sure we're all looking forward to an update on the state of play on forests in COP 17 from Tony LaVenia, who's facilitating the Red Plus negotiations. But before that, and immediately following our break for lunch, we're going to try something new called the issues marketplace. Your feedback on previous forest days requested more time for informal networking with other participants. So the informal marketplace will provide a semi-structured space for various groups to showcase their work and meet others with interest in the same issues. And even though it will take place in the ice skating rink behind me, it will not be a place to chill out. It will be chaotic, it will be noisy, just like a real marketplace anywhere in the world. But we hope that it will meet your desire for more small group discussions and one-on-one interactions. And if you look on page nine in your program guide, you'll see all of the many organizations and resource persons who've agreed to be on hand to contribute to those discussions. We've decided to advance the starting time of the marketplace to one o'clock so that there will be more time for people to circulate in and out of the marketplace, as well as to pick up some lunch and stop by the exhibit booths and poster exhibits behind you. My colleague John Comey will be coming back to you with more logistical information about the rest of the day at the end of this session. But that's one change in the program that I wanted to highlight. Now this addition of the issues marketplace and other adjustments to Forest Day come in response to feedback that many of you have given us in your generous contributions to an independent assessment of Forest Day 4 that we commissioned last year from Green Inc. The summary of that assessment is in your white bag that you picked up on your way in. To highlight just a few interesting results, 95% of respondents to an Internet survey on Forest Day 4 rated it as successful or very successful. And out of the more than 100 UNFCCC delegates who were interviewed and surveyed online, 85% said the event had had an influence in shaping their negotiating position or in their thinking on the issues. Now it's going to be hard to top that performance today, but let's give it a go. Now, we've commissioned Green Inc. to follow up with another assessment this year, so please help us out both by contributing to another successful day and also responding to their request for feedback on how we can still improve. You can expect to receive an electronic survey in the next couple of days and a request for follow-up interviews in early 2012. It is now my pleasure to introduce her Excellency Tina Jumot Peterson, South Africa's Minister for Agriculture, Forestry and Fisheries. Yesterday, the Honorable Minister gave a stern warning at Agriculture and Rural Development Day that she did not like long introductions, which according to her sounded too much like obituaries. So while I do have a two-page list of her accomplishments, I will simply introduce now the 2011 winner of the Africa Agriculture Minister of the Year Award to provide a brief welcome on behalf of our co-host, the government of South Africa. Honorable Minister.