Yeah.

Like, he couldn't sing about, like...

And, I mean, even their early stuff is, like, pretty bad, but at least they had some, like, real shit to write about.

And then I feel like, yeah, once we hit the 2000s, it was like, oh, he's just talking about dating young ladies.

But I do think in that, in, like, the 80s, early 90s era, like, that that's how i can kind of compare this where it's like at a certain point like after 10 years like what do you have to say about this thing you made 10 years ago like do you really have anything meaningful to say about it or are you just doing this because you know it's gonna land

I've never felt better because I'm with you.

Exactly.

And so I think, would you believe it? I have a cold is definitely about catching an STD and just being like, I don't get booked.

Of course, a difficult decision that was made by the Sherrard School District this week where the remainder of the varsity football season from this point on now has been... wiped out playing jv only uh so that decision made on twos and i can you start by just kind of walking us through you know ultimately what led to that decision coming at this point

Yeah, I mean, everything that kind of showed us with what Shard football has kind of previously done is that our summer numbers haven't been real strong, but then when the season starts to come around, school year starts, we're able to recruit a few kids in the hallways and that we're able to put a team together.

And Coach was feeling very confident about that throughout the summer, and the participation was a little bit sporadic, but he was confident that 35, 36 kids that were going to play out and we were going to have kind of a nice balance between varsity players and fresh soft players however you know once we got right before the season against Newman there's just a lot of different things that happen you know there's a couple injuries that that came up a couple sicknesses a couple things really out of their control and now you're looking at from 35 to under 30 kids and then the just the the dynamic of how the roster was shaking out just looked at like it wasn't real sustainable.

So about mid week before the Newman game, then all of a sudden these conversations come and they, they come pretty, pretty quickly.

And so obviously the administration team, the coaching staff, everybody's talking about this and, and, Coach Weigel's been put in a really difficult position as a first-year coach, and he wants to give the best opportunities to these players.

And so he's presenting us this information, how can we make it work.

But ultimately what the group decided is that we're going to have to pivot and do something that's pretty drastic, but we also have to think about what is the best for the well-being.

Can they do it, you think?

Oh,

yeah.

Like, it was pretty much just out of my purview.

Like, I...

I...

Had friends, sisters who would or friends, brothers who would be watching Disney Channel and stuff like Hannah Montana and stuff like I mean, what we're about to talk about today.

But I mean, even like I think even like when Jesse McCartney was in Dream Street.

oh no it was like it had like a banister and everything we were we were pulling shit off we also did uh we did a performance of space oddity at our senior talent show which was super cool uh that's one of my favorite karaoke songs i haven't done a long time sorry we have 14 songs i'm getting off track yeah

Yeah, no, Anthony Akita's completely innocent,

of course.

Yeah, why would you ever...

Why would you ever think Anthony Akita's a bad person or did anything wrong or maybe shouldn't be in your band? That would be...

I do have a fun fact about the Red Hot Chili Peppers.

A personal fun fact, which is...

Obviously, I'm from Los Angeles, so I grew up listening to the Red Hot Chili Peppers all the time because K-Rock loves them.

good, but.

My question is, what is actually happening? Is this just an unfortunate bout of regulatory chaos, or is this a symptom of something deeper?

Well, that's a good question.

As you illustrated in your timeline there, I think the core issue with open banking in the US is that the CFPB doesn't really have a unified perspective on the policy question, right? So Section 1033 of the Dodd-Frank Act is very short, right? It's not that long.

It's fairly vague.

It creates some level of right for consumers to access and share their financial data.

But it's really not specific in terms of, is it just consumers who can share their data? Is it third parties acting on behalf of consumers? What data can consumers share? How broad does that remit go? Are the data providers that are sharing the data to the consumer at their direction transparent? able to be reimbursed for that cost are they able to charge fees are they able to restrict access to the data if they think that there's some fraud or risk associated with it so there's no specificity around that right and The previous version of the CFPB under the Biden administration had a very specific view on what Section 1033 meant, what Section 1033 authorized them to do.

And they wrote a rule based on their reading of it.

You heard figures like a thousand percent of the value of the transaction.

So in financial data specifically, kind of what's, or any data of your choice, what would you say is like super genuinely mundane and legit? Like, okay, this is very solid ground, but what should alarm folks? What behavior should make them say, ah,

this is not okay? I'll give you some really tangible examples.

And you, Jeff, can tell me if you think they're okay or not, right? So I'll describe a couple.

One is just your normal credit bureau example.

And so I am working with five different lenders.

And as a requirement for working with those lenders, the word is furnished.

They will furnish that data to the credit bureaus, which is a fancy way of saying give that data to the credit bureaus.

But then AI showed up hungry and suddenly thinking giving away for free became the most valuable raw material on

So what can you tell us about the operetta Patience and what can folks expect from these performances?

Yeah, so Gilbert and Sullivan's Patience is a lovely comic operetta that is really poking fun at the aesthetic movement in British history.

That's that period, the 1870s to 1880s, where there was an abundance of poets, painters, composers, designers.

But the general idea was that it was all very empty and self-indulgent from people outside of the movement.

And so Gilbert and Sullivan wrote this operetta that's poking fun at the idea of artistic fads.

So there are two poets, Bunthorne and Grosvenor, who are the quintessential um poets that all of the ladies in this village have fallen madly in love with much to the chagrin of their um fiancés that are part of the dragoon guards who have been off at war they come back and they're very confused at what's happening um but unfortunately for all of these women the two poets are madly in love with the milkmaid, Patience, who has never known love.

And one of the ladies comes up to Patience and tells her, oh, well, love is a very unselfish thing.

nice and

... which conversation is closer to where competitive advantage is actually being created right now?

Yeah, really great question.

I think the funny thing is the topics would probably be the same.

I can tell you for a fact AI is the number one thing that is being discussed inside all fintech boardrooms.

Stable coins, crypto, big topic.

Regulatory changes, big topic.

So I don't think the topics would be that different.

If that's true, what separates institutions that are prepared for this future from those that aren't? In addition to what you're talking about with accountability at the data level, where does that come down?

So do you focus on more of the short-term, like, emergency preparedness binder or, uh, or emergency preparedness, or are you also looking at, like, long-term preparedness?

Both.

It is very much both because a lot of people look at it as, "Well, if I can survive, you know, the, the next 72 hours," but, uh, really it comes down to, what do I need to do for the first hour? So what am I grabbing? What am I getting ready to go with? For the first 72 hours, how am I keeping, you know, food? Where are we gonna stay? What's gonna keep us sheltered? And then for the long term is kind of your everyday living, where you need to have things like the long-term food storage and where you're, you're actually stocking up because not every emergency says, "Grab your stuff and leave the house." It says, "Stay home and, and be protected at home."

Um, does the binder have, like, how to put together my list?

It does.

It, it has step-by-sec- section instructions.

So like if I'm going through for the 72-hour list, it gives, you know, detailed lists and it gives examples of what should be in there and what you should gather.

Or if you're looking at, um, like for the radio communication side, it talks about, you know, what different types of radios are out there that you can use when the cell towers are down, and then gives you spaces to write down, okay, these are the local channels, or this is my neighbor's, you know, number to call, or, or things like that so that that information isn't, well, it's, it's only in my head.