WEBVTT
Kind: captions
Language: en

00:00:01.070 --> 00:00:11.499 align:start position:0%
 
[Applause]

00:00:11.499 --> 00:00:11.509 align:start position:0%
 
 

00:00:11.509 --> 00:00:15.070 align:start position:0%
 
hi<00:00:12.509><c> everyone</c><00:00:12.920><c> come</c><00:00:13.920><c> in</c><00:00:14.129><c> and</c><00:00:14.339><c> take</c><00:00:14.549><c> a</c><00:00:14.580><c> seat</c>

00:00:15.070 --> 00:00:15.080 align:start position:0%
hi everyone come in and take a seat
 

00:00:15.080 --> 00:00:17.960 align:start position:0%
hi everyone come in and take a seat
welcome<00:00:16.080><c> to</c><00:00:16.320><c> watching</c><00:00:16.980><c> from</c><00:00:17.340><c> the</c><00:00:17.520><c> bottom</c><00:00:17.789><c> up</c>

00:00:17.960 --> 00:00:17.970 align:start position:0%
welcome to watching from the bottom up
 

00:00:17.970 --> 00:00:20.269 align:start position:0%
welcome to watching from the bottom up
we're<00:00:18.779><c> going</c><00:00:18.960><c> to</c><00:00:19.110><c> introduce</c><00:00:19.529><c> to</c><00:00:19.800><c> you</c><00:00:19.950><c> some</c>

00:00:20.269 --> 00:00:20.279 align:start position:0%
we're going to introduce to you some
 

00:00:20.279 --> 00:00:21.830 align:start position:0%
we're going to introduce to you some
lessons<00:00:20.490><c> from</c><00:00:20.970><c> creating</c><00:00:21.570><c> financial</c>

00:00:21.830 --> 00:00:21.840 align:start position:0%
lessons from creating financial
 

00:00:21.840 --> 00:00:24.170 align:start position:0%
lessons from creating financial
empowerment<00:00:22.410><c> in</c><00:00:22.949><c> remote</c><00:00:23.250><c> Pacific</c><00:00:23.489><c> island</c>

00:00:24.170 --> 00:00:24.180 align:start position:0%
empowerment in remote Pacific island
 

00:00:24.180 --> 00:00:27.049 align:start position:0%
empowerment in remote Pacific island
communities<00:00:24.689><c> using</c><00:00:25.619><c> a</c><00:00:25.860><c> real-life</c><00:00:26.460><c> use</c><00:00:26.759><c> case</c>

00:00:27.049 --> 00:00:27.059 align:start position:0%
communities using a real-life use case
 

00:00:27.059 --> 00:00:28.999 align:start position:0%
communities using a real-life use case
that's<00:00:27.570><c> still</c><00:00:27.930><c> ongoing</c><00:00:28.230><c> now</c>

00:00:28.999 --> 00:00:29.009 align:start position:0%
that's still ongoing now
 

00:00:29.009 --> 00:00:32.240 align:start position:0%
that's still ongoing now
my<00:00:29.969><c> name</c><00:00:30.149><c> is</c><00:00:30.300><c> Sandra</c><00:00:30.689><c> when</c><00:00:30.869><c> taking</c><00:00:31.230><c> her</c><00:00:31.379><c> I</c><00:00:31.710><c> work</c>

00:00:32.240 --> 00:00:32.250 align:start position:0%
my name is Sandra when taking her I work
 

00:00:32.250 --> 00:00:34.240 align:start position:0%
my name is Sandra when taking her I work
for<00:00:32.550><c> Oxfam</c><00:00:33.059><c> it's</c><00:00:33.360><c> a</c><00:00:33.450><c> global</c><00:00:33.870><c> nonprofit</c>

00:00:34.240 --> 00:00:34.250 align:start position:0%
for Oxfam it's a global nonprofit
 

00:00:34.250 --> 00:00:36.500 align:start position:0%
for Oxfam it's a global nonprofit
present<00:00:35.250><c> in</c><00:00:35.520><c> over</c><00:00:35.730><c> 90</c><00:00:36.059><c> countries</c>

00:00:36.500 --> 00:00:36.510 align:start position:0%
present in over 90 countries
 

00:00:36.510 --> 00:00:38.990 align:start position:0%
present in over 90 countries
I<00:00:36.719><c> am</c><00:00:37.260><c> the</c><00:00:37.469><c> Pacific</c><00:00:37.980><c> passion</c><00:00:38.430><c> livelihood</c>

00:00:38.990 --> 00:00:39.000 align:start position:0%
I am the Pacific passion livelihood
 

00:00:39.000 --> 00:00:41.060 align:start position:0%
I am the Pacific passion livelihood
sleep<00:00:39.239><c> so</c><00:00:39.780><c> for</c><00:00:39.989><c> the</c><00:00:40.079><c> past</c><00:00:40.230><c> ten</c><00:00:40.590><c> years</c><00:00:40.620><c> I've</c>

00:00:41.060 --> 00:00:41.070 align:start position:0%
sleep so for the past ten years I've
 

00:00:41.070 --> 00:00:42.829 align:start position:0%
sleep so for the past ten years I've
been<00:00:41.129><c> working</c><00:00:41.700><c> in</c><00:00:41.879><c> disaster</c><00:00:42.420><c> preparedness</c>

00:00:42.829 --> 00:00:42.839 align:start position:0%
been working in disaster preparedness
 

00:00:42.839 --> 00:00:45.470 align:start position:0%
been working in disaster preparedness
and<00:00:43.320><c> response</c><00:00:43.620><c> and</c><00:00:44.280><c> I</c><00:00:44.760><c> manage</c><00:00:45.120><c> the</c><00:00:45.149><c> portfolio</c>

00:00:45.470 --> 00:00:45.480 align:start position:0%
and response and I manage the portfolio
 

00:00:45.480 --> 00:00:47.899 align:start position:0%
and response and I manage the portfolio
of<00:00:45.989><c> programs</c><00:00:46.320><c> across</c><00:00:46.829><c> the</c><00:00:47.280><c> Pacific</c><00:00:47.730><c> region</c>

00:00:47.899 --> 00:00:47.909 align:start position:0%
of programs across the Pacific region
 

00:00:47.909 --> 00:00:50.479 align:start position:0%
of programs across the Pacific region
that<00:00:48.809><c> are</c><00:00:48.960><c> designed</c><00:00:49.289><c> to</c><00:00:49.499><c> deliver</c><00:00:49.739><c> payments</c><00:00:50.339><c> to</c>

00:00:50.479 --> 00:00:50.489 align:start position:0%
that are designed to deliver payments to
 

00:00:50.489 --> 00:00:54.079 align:start position:0%
that are designed to deliver payments to
people<00:00:50.640><c> affected</c><00:00:51.269><c> by</c><00:00:51.300><c> natural</c><00:00:51.499><c> disasters</c><00:00:53.089><c> the</c>

00:00:54.079 --> 00:00:54.089 align:start position:0%
people affected by natural disasters the
 

00:00:54.089 --> 00:00:56.410 align:start position:0%
people affected by natural disasters the
mine<00:00:54.239><c> is</c><00:00:54.359><c> nucleus</c><00:00:55.170><c> on</c><00:00:55.260><c> the</c><00:00:55.409><c> converse</c><00:00:55.890><c> a</c><00:00:56.100><c> clay</c>

00:00:56.410 --> 00:00:56.420 align:start position:0%
mine is nucleus on the converse a clay
 

00:00:56.420 --> 00:00:59.180 align:start position:0%
mine is nucleus on the converse a clay
sample<00:00:57.420><c> is</c><00:00:57.629><c> a</c><00:00:57.659><c> tax</c><00:00:57.989><c> cut</c><00:00:58.229><c> that</c><00:00:58.440><c> really</c><00:00:58.679><c> focuses</c>

00:00:59.180 --> 00:00:59.190 align:start position:0%
sample is a tax cut that really focuses
 

00:00:59.190 --> 00:01:00.520 align:start position:0%
sample is a tax cut that really focuses
on<00:00:59.280><c> creating</c><00:00:59.609><c> financial</c><00:01:00.269><c> inclusion</c>

00:01:00.520 --> 00:01:00.530 align:start position:0%
on creating financial inclusion
 

00:01:00.530 --> 00:01:03.139 align:start position:0%
on creating financial inclusion
fundamentally<00:01:01.530><c> these</c><00:01:02.519><c> are</c><00:01:02.670><c> the</c><00:01:02.760><c> number</c><00:01:03.120><c> of</c>

00:01:03.139 --> 00:01:03.149 align:start position:0%
fundamentally these are the number of
 

00:01:03.149 --> 00:01:05.090 align:start position:0%
fundamentally these are the number of
reduce<00:01:03.780><c> to</c><00:01:03.960><c> use</c><00:01:04.140><c> spaces</c><00:01:04.409><c> good</c><00:01:04.710><c> loan</c><00:01:04.890><c> we're</c>

00:01:05.090 --> 00:01:05.100 align:start position:0%
reduce to use spaces good loan we're
 

00:01:05.100 --> 00:01:06.860 align:start position:0%
reduce to use spaces good loan we're
going<00:01:05.220><c> to</c><00:01:05.280><c> be</c><00:01:05.339><c> looking</c><00:01:05.400><c> at</c><00:01:05.610><c> today</c><00:01:05.760><c> is</c><00:01:06.120><c> how</c><00:01:06.720><c> to</c>

00:01:06.860 --> 00:01:06.870 align:start position:0%
going to be looking at today is how to
 

00:01:06.870 --> 00:01:10.310 align:start position:0%
going to be looking at today is how to
get<00:01:07.050><c> cash</c><00:01:07.260><c> to</c><00:01:07.440><c> horrible</c><00:01:07.800><c> people</c><00:01:07.979><c> in</c><00:01:08.250><c> crises</c><00:01:09.320><c> so</c>

00:01:10.310 --> 00:01:10.320 align:start position:0%
get cash to horrible people in crises so
 

00:01:10.320 --> 00:01:12.410 align:start position:0%
get cash to horrible people in crises so
together<00:01:10.680><c> we've</c><00:01:10.979><c> managed</c><00:01:11.430><c> to</c><00:01:11.670><c> run</c><00:01:11.880><c> the</c>

00:01:12.410 --> 00:01:12.420 align:start position:0%
together we've managed to run the
 

00:01:12.420 --> 00:01:15.290 align:start position:0%
together we've managed to run the
world's<00:01:12.930><c> first</c><00:01:13.500><c> cryptocurrency</c><00:01:14.490><c> enabled</c>

00:01:15.290 --> 00:01:15.300 align:start position:0%
world's first cryptocurrency enabled
 

00:01:15.300 --> 00:01:18.830 align:start position:0%
world's first cryptocurrency enabled
cash<00:01:15.810><c> based</c><00:01:16.560><c> assistance</c><00:01:17.370><c> program</c><00:01:17.850><c> using</c>

00:01:18.830 --> 00:01:18.840 align:start position:0%
cash based assistance program using
 

00:01:18.840 --> 00:01:19.490 align:start position:0%
cash based assistance program using
Oxfam's

00:01:19.490 --> 00:01:19.500 align:start position:0%
Oxfam's
 

00:01:19.500 --> 00:01:22.340 align:start position:0%
Oxfam's
experienced<00:01:20.160><c> field</c><00:01:20.940><c> presence</c><00:01:21.510><c> and</c><00:01:21.840><c> community</c>

00:01:22.340 --> 00:01:22.350 align:start position:0%
experienced field presence and community
 

00:01:22.350 --> 00:01:25.340 align:start position:0%
experienced field presence and community
reach<00:01:22.590><c> and</c><00:01:23.400><c> of</c><00:01:23.580><c> course</c><00:01:23.820><c> the</c><00:01:24.200><c> ingenuity</c><00:01:25.200><c> of</c>

00:01:25.340 --> 00:01:25.350 align:start position:0%
reach and of course the ingenuity of
 

00:01:25.350 --> 00:01:33.530 align:start position:0%
reach and of course the ingenuity of
several<00:01:27.440><c> dozen</c><00:01:31.970><c> so</c><00:01:32.970><c> that's</c><00:01:33.180><c> not</c><00:01:33.270><c> like</c><00:01:33.420><c> to</c>

00:01:33.530 --> 00:01:33.540 align:start position:0%
several dozen so that's not like to
 

00:01:33.540 --> 00:01:36.350 align:start position:0%
several dozen so that's not like to
start<00:01:33.810><c> with</c><00:01:33.960><c> an</c><00:01:34.110><c> anecdote</c><00:01:34.430><c> so</c><00:01:35.430><c> when</c><00:01:36.120><c> we</c><00:01:36.240><c> were</c>

00:01:36.350 --> 00:01:36.360 align:start position:0%
start with an anecdote so when we were
 

00:01:36.360 --> 00:01:39.200 align:start position:0%
start with an anecdote so when we were
working<00:01:36.390><c> better</c><00:01:36.930><c> larger</c><00:01:37.610><c> plastic</c><00:01:38.610><c> banknotes</c>

00:01:39.200 --> 00:01:39.210 align:start position:0%
working better larger plastic banknotes
 

00:01:39.210 --> 00:01:41.360 align:start position:0%
working better larger plastic banknotes
had<00:01:39.780><c> been</c><00:01:39.990><c> introduced</c><00:01:40.500><c> relatively</c><00:01:41.010><c> recently</c>

00:01:41.360 --> 00:01:41.370 align:start position:0%
had been introduced relatively recently
 

00:01:41.370 --> 00:01:43.400 align:start position:0%
had been introduced relatively recently
and<00:01:42.090><c> people</c><00:01:42.150><c> are</c><00:01:42.630><c> really</c><00:01:42.750><c> excited</c><00:01:43.200><c> about</c><00:01:43.260><c> that</c>

00:01:43.400 --> 00:01:43.410 align:start position:0%
and people are really excited about that
 

00:01:43.410 --> 00:01:45.320 align:start position:0%
and people are really excited about that
and<00:01:43.650><c> they</c><00:01:44.220><c> tell</c><00:01:44.400><c> us</c><00:01:44.430><c> the</c><00:01:44.520><c> best</c><00:01:44.850><c> thing</c><00:01:45.150><c> about</c>

00:01:45.320 --> 00:01:45.330 align:start position:0%
and they tell us the best thing about
 

00:01:45.330 --> 00:01:47.240 align:start position:0%
and they tell us the best thing about
these<00:01:45.510><c> new</c><00:01:45.570><c> plastic</c><00:01:46.050><c> banknotes</c><00:01:46.470><c> was</c><00:01:46.980><c> that</c><00:01:47.160><c> you</c>

00:01:47.240 --> 00:01:47.250 align:start position:0%
these new plastic banknotes was that you
 

00:01:47.250 --> 00:01:49.190 align:start position:0%
these new plastic banknotes was that you
could<00:01:47.400><c> bury</c><00:01:47.670><c> them</c><00:01:47.910><c> in</c><00:01:47.970><c> the</c><00:01:48.030><c> ground</c><00:01:48.210><c> for</c><00:01:48.840><c> longer</c>

00:01:49.190 --> 00:01:49.200 align:start position:0%
could bury them in the ground for longer
 

00:01:49.200 --> 00:01:54.500 align:start position:0%
could bury them in the ground for longer
without<00:01:49.800><c> them</c><00:01:49.980><c> washing</c><00:01:52.460><c> because</c><00:01:53.460><c> for</c><00:01:54.120><c> me</c><00:01:54.240><c> it</c>

00:01:54.500 --> 00:01:54.510 align:start position:0%
without them washing because for me it
 

00:01:54.510 --> 00:01:55.880 align:start position:0%
without them washing because for me it
was<00:01:54.630><c> really</c><00:01:54.660><c> the</c><00:01:55.020><c> first</c><00:01:55.170><c> time</c><00:01:55.560><c> that</c><00:01:55.620><c> the</c>

00:01:55.880 --> 00:01:55.890 align:start position:0%
was really the first time that the
 

00:01:55.890 --> 00:01:57.620 align:start position:0%
was really the first time that the
concept<00:01:56.280><c> of</c><00:01:56.370><c> being</c><00:01:56.580><c> unpacked</c>

00:01:57.620 --> 00:01:57.630 align:start position:0%
concept of being unpacked
 

00:01:57.630 --> 00:02:00.470 align:start position:0%
concept of being unpacked
shifted<00:01:58.380><c> from</c><00:01:58.560><c> this</c><00:01:58.740><c> model</c><00:01:59.640><c> the</c><00:01:59.940><c> academic</c>

00:02:00.470 --> 00:02:00.480 align:start position:0%
shifted from this model the academic
 

00:02:00.480 --> 00:02:02.070 align:start position:0%
shifted from this model the academic
concept<00:02:01.050><c> to</c><00:02:01.290><c> something</c><00:02:01.560><c> that</c><00:02:01.590><c> was</c><00:02:01.770><c> actual</c>

00:02:02.070 --> 00:02:02.080 align:start position:0%
concept to something that was actual
 

00:02:02.080 --> 00:02:06.120 align:start position:0%
concept to something that was actual
very<00:02:02.470><c> tangible</c><00:02:04.350><c> too</c><00:02:05.350><c> often</c><00:02:05.710><c> watching</c>

00:02:06.120 --> 00:02:06.130 align:start position:0%
very tangible too often watching
 

00:02:06.130 --> 00:02:07.380 align:start position:0%
very tangible too often watching
projects<00:02:06.520><c> looking</c><00:02:06.730><c> at</c><00:02:06.910><c> financial</c><00:02:07.240><c> inclusion</c>

00:02:07.380 --> 00:02:07.390 align:start position:0%
projects looking at financial inclusion
 

00:02:07.390 --> 00:02:09.900 align:start position:0%
projects looking at financial inclusion
really<00:02:08.259><c> take</c><00:02:08.680><c> quite</c><00:02:08.979><c> a</c><00:02:09.040><c> superficial</c><00:02:09.550><c> approach</c>

00:02:09.900 --> 00:02:09.910 align:start position:0%
really take quite a superficial approach
 

00:02:09.910 --> 00:02:11.490 align:start position:0%
really take quite a superficial approach
believing<00:02:10.509><c> that</c><00:02:10.570><c> technology</c><00:02:11.050><c> can</c><00:02:11.170><c> be</c><00:02:11.290><c> just</c>

00:02:11.490 --> 00:02:11.500 align:start position:0%
believing that technology can be just
 

00:02:11.500 --> 00:02:12.570 align:start position:0%
believing that technology can be just
injected<00:02:12.010><c> into</c><00:02:12.190><c> communities</c><00:02:12.550><c> that</c>

00:02:12.570 --> 00:02:12.580 align:start position:0%
injected into communities that
 

00:02:12.580 --> 00:02:15.630 align:start position:0%
injected into communities that
everything<00:02:13.000><c> will</c><00:02:13.150><c> be</c><00:02:13.180><c> magically</c><00:02:13.810><c> better</c><00:02:14.640><c> and</c>

00:02:15.630 --> 00:02:15.640 align:start position:0%
everything will be magically better and
 

00:02:15.640 --> 00:02:17.670 align:start position:0%
everything will be magically better and
we<00:02:15.760><c> reckon</c><00:02:16.030><c> that</c><00:02:16.060><c> this</c><00:02:16.240><c> has</c><00:02:16.750><c> left</c><00:02:17.380><c> much</c>

00:02:17.670 --> 00:02:17.680 align:start position:0%
we reckon that this has left much
 

00:02:17.680 --> 00:02:19.680 align:start position:0%
we reckon that this has left much
bizzy's<00:02:18.100><c> discourse</c><00:02:18.760><c> around</c><00:02:19.090><c> what</c><00:02:19.300><c> change</c><00:02:19.570><c> or</c>

00:02:19.680 --> 00:02:19.690 align:start position:0%
bizzy's discourse around what change or
 

00:02:19.690 --> 00:02:21.750 align:start position:0%
bizzy's discourse around what change or
financial<00:02:20.050><c> inclusion</c><00:02:20.170><c> and</c><00:02:20.560><c> saw</c><00:02:20.760><c> disconnected</c>

00:02:21.750 --> 00:02:21.760 align:start position:0%
financial inclusion and saw disconnected
 

00:02:21.760 --> 00:02:23.010 align:start position:0%
financial inclusion and saw disconnected
from<00:02:21.850><c> the</c><00:02:22.030><c> realities</c><00:02:22.420><c> that</c><00:02:22.450><c> people</c>

00:02:23.010 --> 00:02:23.020 align:start position:0%
from the realities that people
 

00:02:23.020 --> 00:02:27.540 align:start position:0%
from the realities that people
experience<00:02:23.530><c> on</c><00:02:23.740><c> grant</c><00:02:25.320><c> so</c><00:02:26.320><c> here</c><00:02:27.010><c> today</c><00:02:27.250><c> as</c><00:02:27.520><c> a</c>

00:02:27.540 --> 00:02:27.550 align:start position:0%
experience on grant so here today as a
 

00:02:27.550 --> 00:02:30.420 align:start position:0%
experience on grant so here today as a
community<00:02:28.180><c> at</c><00:02:28.450><c> DEFCON</c><00:02:29.080><c> we</c><00:02:29.590><c> believe</c><00:02:29.950><c> that</c><00:02:30.220><c> we</c>

00:02:30.420 --> 00:02:30.430 align:start position:0%
community at DEFCON we believe that we
 

00:02:30.430 --> 00:02:33.810 align:start position:0%
community at DEFCON we believe that we
absolutely<00:02:31.060><c> cannot</c><00:02:31.930><c> in</c><00:02:32.230><c> good</c><00:02:32.290><c> faith</c><00:02:32.680><c> plan</c><00:02:33.550><c> to</c>

00:02:33.810 --> 00:02:33.820 align:start position:0%
absolutely cannot in good faith plan to
 

00:02:33.820 --> 00:02:35.370 align:start position:0%
absolutely cannot in good faith plan to
be<00:02:33.940><c> solving</c><00:02:34.360><c> some</c><00:02:34.600><c> of</c><00:02:34.660><c> the</c><00:02:34.840><c> world's</c><00:02:34.870><c> biggest</c>

00:02:35.370 --> 00:02:35.380 align:start position:0%
be solving some of the world's biggest
 

00:02:35.380 --> 00:02:38.340 align:start position:0%
be solving some of the world's biggest
challenges<00:02:35.800><c> without</c><00:02:36.400><c> working</c><00:02:37.060><c> with</c><00:02:37.270><c> and</c><00:02:37.570><c> in</c>

00:02:38.340 --> 00:02:38.350 align:start position:0%
challenges without working with and in
 

00:02:38.350 --> 00:02:41.220 align:start position:0%
challenges without working with and in
communities<00:02:39.540><c> blockchain</c><00:02:40.540><c> has</c><00:02:40.870><c> from</c><00:02:41.200><c> the</c>

00:02:41.220 --> 00:02:41.230 align:start position:0%
communities blockchain has from the
 

00:02:41.230 --> 00:02:43.410 align:start position:0%
communities blockchain has from the
beginning<00:02:41.410><c> been</c><00:02:42.310><c> promising</c><00:02:42.880><c> financial</c>

00:02:43.410 --> 00:02:43.420 align:start position:0%
beginning been promising financial
 

00:02:43.420 --> 00:02:45.720 align:start position:0%
beginning been promising financial
inclusion<00:02:43.540><c> open</c><00:02:44.500><c> payment</c><00:02:44.709><c> systems</c><00:02:45.430><c> for</c>

00:02:45.720 --> 00:02:45.730 align:start position:0%
inclusion open payment systems for
 

00:02:45.730 --> 00:02:47.640 align:start position:0%
inclusion open payment systems for
underserved<00:02:46.270><c> communities</c><00:02:46.900><c> and</c><00:02:47.170><c> marginalized</c>

00:02:47.640 --> 00:02:47.650 align:start position:0%
underserved communities and marginalized
 

00:02:47.650 --> 00:02:51.180 align:start position:0%
underserved communities and marginalized
people<00:02:48.240><c> but</c><00:02:49.240><c> in</c><00:02:49.720><c> order</c><00:02:50.110><c> to</c><00:02:50.170><c> do</c><00:02:50.440><c> this</c><00:02:50.620><c> we</c><00:02:51.160><c> need</c>

00:02:51.180 --> 00:02:51.190 align:start position:0%
people but in order to do this we need
 

00:02:51.190 --> 00:02:52.830 align:start position:0%
people but in order to do this we need
to<00:02:51.459><c> actively</c><00:02:51.910><c> reach</c><00:02:52.270><c> out</c><00:02:52.510><c> to</c><00:02:52.720><c> those</c>

00:02:52.830 --> 00:02:52.840 align:start position:0%
to actively reach out to those
 

00:02:52.840 --> 00:02:54.390 align:start position:0%
to actively reach out to those
communities<00:02:53.080><c> and</c><00:02:53.680><c> get</c><00:02:53.920><c> there</c>

00:02:54.390 --> 00:02:54.400 align:start position:0%
communities and get there
 

00:02:54.400 --> 00:02:56.820 align:start position:0%
communities and get there
and<00:02:54.640><c> rather</c><00:02:54.820><c> than</c><00:02:55.000><c> just</c><00:02:55.150><c> gain</c><00:02:55.660><c> in</c><00:02:56.080><c> spaces</c><00:02:56.500><c> like</c>

00:02:56.820 --> 00:02:56.830 align:start position:0%
and rather than just gain in spaces like
 

00:02:56.830 --> 00:03:01.530 align:start position:0%
and rather than just gain in spaces like
this<00:02:57.900><c> so</c><00:02:58.900><c> this</c><00:02:59.080><c> is</c><00:02:59.140><c> fun</c><00:02:59.500><c> Lenten</c><00:03:00.300><c> also</c><00:03:01.300><c> if</c><00:03:01.390><c> I'm</c>

00:03:01.530 --> 00:03:01.540 align:start position:0%
this so this is fun Lenten also if I'm
 

00:03:01.540 --> 00:03:04.500 align:start position:0%
this so this is fun Lenten also if I'm
active<00:03:01.900><c> but</c><00:03:02.530><c> not</c><00:03:02.560><c> to</c><00:03:02.830><c> is</c><00:03:02.950><c> a</c><00:03:02.980><c> collection</c><00:03:03.370><c> of</c><00:03:03.760><c> 83</c>

00:03:04.500 --> 00:03:04.510 align:start position:0%
active but not to is a collection of 83
 

00:03:04.510 --> 00:03:06.780 align:start position:0%
active but not to is a collection of 83
islands<00:03:04.959><c> in</c><00:03:05.110><c> the</c><00:03:05.200><c> South</c><00:03:05.380><c> Pacific</c><00:03:05.410><c> Ocean</c><00:03:06.040><c> it</c><00:03:06.610><c> is</c>

00:03:06.780 --> 00:03:06.790 align:start position:0%
islands in the South Pacific Ocean it is
 

00:03:06.790 --> 00:03:09.300 align:start position:0%
islands in the South Pacific Ocean it is
a<00:03:06.820><c> country</c><00:03:07.269><c> that</c><00:03:07.300><c> is</c><00:03:07.690><c> extremely</c><00:03:08.290><c> remote</c><00:03:08.769><c> so</c>

00:03:09.300 --> 00:03:09.310 align:start position:0%
a country that is extremely remote so
 

00:03:09.310 --> 00:03:11.070 align:start position:0%
a country that is extremely remote so
don't<00:03:09.519><c> be</c><00:03:09.670><c> afraid</c><00:03:10.000><c> if</c><00:03:10.209><c> you</c><00:03:10.360><c> have</c><00:03:10.630><c> never</c><00:03:10.810><c> heard</c>

00:03:11.070 --> 00:03:11.080 align:start position:0%
don't be afraid if you have never heard
 

00:03:11.080 --> 00:03:15.210 align:start position:0%
don't be afraid if you have never heard
of<00:03:11.170><c> it</c><00:03:11.320><c> before</c><00:03:11.850><c> but</c><00:03:12.850><c> a</c><00:03:13.269><c> lot</c><00:03:13.450><c> too</c><00:03:13.630><c> is</c><00:03:13.989><c> with</c><00:03:14.950><c> all</c>

00:03:15.210 --> 00:03:15.220 align:start position:0%
of it before but a lot too is with all
 

00:03:15.220 --> 00:03:17.310 align:start position:0%
of it before but a lot too is with all
these<00:03:15.370><c> islands</c><00:03:15.910><c> extremely</c><00:03:16.600><c> dispersed</c>

00:03:17.310 --> 00:03:17.320 align:start position:0%
these islands extremely dispersed
 

00:03:17.320 --> 00:03:20.160 align:start position:0%
these islands extremely dispersed
it's<00:03:17.500><c> very</c><00:03:17.830><c> sparsely</c><00:03:18.400><c> developed</c><00:03:19.000><c> and</c><00:03:19.269><c> in</c><00:03:19.870><c> fact</c>

00:03:20.160 --> 00:03:20.170 align:start position:0%
it's very sparsely developed and in fact
 

00:03:20.170 --> 00:03:22.590 align:start position:0%
it's very sparsely developed and in fact
most<00:03:20.590><c> people</c><00:03:21.160><c> and</c><00:03:21.459><c> their</c><00:03:21.640><c> islands</c><00:03:22.209><c> do</c><00:03:22.420><c> not</c>

00:03:22.590 --> 00:03:22.600 align:start position:0%
most people and their islands do not
 

00:03:22.600 --> 00:03:24.300 align:start position:0%
most people and their islands do not
live<00:03:23.230><c> close</c><00:03:23.590><c> to</c><00:03:23.830><c> a</c><00:03:23.860><c> bank</c>

00:03:24.300 --> 00:03:24.310 align:start position:0%
live close to a bank
 

00:03:24.310 --> 00:03:26.850 align:start position:0%
live close to a bank
in<00:03:24.519><c> fact</c><00:03:24.910><c> banks</c><00:03:25.630><c> are</c><00:03:25.780><c> often</c><00:03:26.080><c> not</c><00:03:26.230><c> even</c><00:03:26.590><c> on</c><00:03:26.709><c> the</c>

00:03:26.850 --> 00:03:26.860 align:start position:0%
in fact banks are often not even on the
 

00:03:26.860 --> 00:03:30.360 align:start position:0%
in fact banks are often not even on the
same<00:03:27.040><c> land</c><00:03:27.400><c> mass</c><00:03:27.640><c> as</c><00:03:27.970><c> there</c><00:03:28.680><c> another</c><00:03:29.680><c> fact</c><00:03:30.100><c> is</c>

00:03:30.360 --> 00:03:30.370 align:start position:0%
same land mass as there another fact is
 

00:03:30.370 --> 00:03:32.580 align:start position:0%
same land mass as there another fact is
that<00:03:30.640><c> most</c><00:03:31.000><c> of</c><00:03:31.300><c> these</c><00:03:31.480><c> people</c><00:03:31.930><c> live</c><00:03:32.170><c> closer</c><00:03:32.440><c> to</c>

00:03:32.580 --> 00:03:32.590 align:start position:0%
that most of these people live closer to
 

00:03:32.590 --> 00:03:35.430 align:start position:0%
that most of these people live closer to
the<00:03:32.769><c> volcano</c><00:03:33.370><c> than</c><00:03:34.060><c> they</c><00:03:34.239><c> do</c><00:03:34.300><c> to</c><00:03:34.600><c> obey</c><00:03:34.870><c> so</c>

00:03:35.430 --> 00:03:35.440 align:start position:0%
the volcano than they do to obey so
 

00:03:35.440 --> 00:03:36.990 align:start position:0%
the volcano than they do to obey so
there<00:03:35.620><c> are</c><00:03:35.739><c> actually</c><00:03:35.920><c> more</c><00:03:36.370><c> people</c><00:03:36.430><c> who</c><00:03:36.970><c> are</c>

00:03:36.990 --> 00:03:37.000 align:start position:0%
there are actually more people who are
 

00:03:37.000 --> 00:03:39.630 align:start position:0%
there are actually more people who are
volcano<00:03:37.810><c> in</c><00:03:38.500><c> funnel</c><00:03:38.920><c> active</c><00:03:39.190><c> event</c><00:03:39.310><c> people</c>

00:03:39.630 --> 00:03:39.640 align:start position:0%
volcano in funnel active event people
 

00:03:39.640 --> 00:03:44.699 align:start position:0%
volcano in funnel active event people
who<00:03:40.030><c> are</c><00:03:40.209><c> banked</c><00:03:41.340><c> even</c><00:03:42.340><c> Vanuatu</c><00:03:42.820><c> also</c><00:03:43.590><c> it's</c><00:03:44.590><c> a</c>

00:03:44.699 --> 00:03:44.709 align:start position:0%
who are banked even Vanuatu also it's a
 

00:03:44.709 --> 00:03:47.340 align:start position:0%
who are banked even Vanuatu also it's a
question<00:03:45.100><c> of</c><00:03:45.190><c> urgency</c><00:03:45.870><c> when</c><00:03:46.870><c> watch</c><00:03:47.110><c> was</c><00:03:47.320><c> the</c>

00:03:47.340 --> 00:03:47.350 align:start position:0%
question of urgency when watch was the
 

00:03:47.350 --> 00:03:48.890 align:start position:0%
question of urgency when watch was the
world's<00:03:47.769><c> most</c><00:03:47.920><c> disaster</c>

00:03:48.890 --> 00:03:48.900 align:start position:0%
world's most disaster
 

00:03:48.900 --> 00:03:50.720 align:start position:0%
world's most disaster
country<00:03:49.349><c> it</c><00:03:49.439><c> sits</c><00:03:49.709><c> directly</c><00:03:49.920><c> on</c><00:03:50.280><c> the</c><00:03:50.400><c> Ring</c><00:03:50.610><c> of</c>

00:03:50.720 --> 00:03:50.730 align:start position:0%
country it sits directly on the Ring of
 

00:03:50.730 --> 00:03:52.699 align:start position:0%
country it sits directly on the Ring of
Fire<00:03:50.790><c> it's</c><00:03:51.269><c> in</c><00:03:51.599><c> the</c><00:03:51.689><c> middle</c><00:03:51.989><c> of</c><00:03:52.110><c> the</c><00:03:52.230><c> Pacific</c>

00:03:52.699 --> 00:03:52.709 align:start position:0%
Fire it's in the middle of the Pacific
 

00:03:52.709 --> 00:03:55.250 align:start position:0%
Fire it's in the middle of the Pacific
cyclone<00:03:52.980><c> corridor</c><00:03:53.760><c> it</c><00:03:54.269><c> sits</c><00:03:54.569><c> on</c><00:03:54.750><c> the</c><00:03:54.959><c> front</c>

00:03:55.250 --> 00:03:55.260 align:start position:0%
cyclone corridor it sits on the front
 

00:03:55.260 --> 00:03:58.880 align:start position:0%
cyclone corridor it sits on the front
lines<00:03:55.650><c> of</c><00:03:55.860><c> climate</c><00:03:56.040><c> change</c><00:03:56.549><c> and</c><00:03:56.909><c> as</c><00:03:57.750><c> such</c><00:03:58.140><c> this</c>

00:03:58.880 --> 00:03:58.890 align:start position:0%
lines of climate change and as such this
 

00:03:58.890 --> 00:04:01.130 align:start position:0%
lines of climate change and as such this
use<00:03:59.250><c> case</c><00:03:59.400><c> has</c><00:04:00.000><c> been</c><00:04:00.180><c> invented</c><00:04:00.720><c> invented</c>

00:04:01.130 --> 00:04:01.140 align:start position:0%
use case has been invented invented
 

00:04:01.140 --> 00:04:03.319 align:start position:0%
use case has been invented invented
within<00:04:01.590><c> an</c><00:04:01.709><c> existing</c><00:04:01.860><c> disaster</c><00:04:02.849><c> preparedness</c>

00:04:03.319 --> 00:04:03.329 align:start position:0%
within an existing disaster preparedness
 

00:04:03.329 --> 00:04:08.210 align:start position:0%
within an existing disaster preparedness
program<00:04:05.359><c> so</c><00:04:06.359><c> let's</c><00:04:07.019><c> talk</c><00:04:07.260><c> about</c><00:04:07.319><c> cash</c><00:04:07.739><c> anyway</c>

00:04:08.210 --> 00:04:08.220 align:start position:0%
program so let's talk about cash anyway
 

00:04:08.220 --> 00:04:10.399 align:start position:0%
program so let's talk about cash anyway
what<00:04:08.519><c> do</c><00:04:08.790><c> it</c><00:04:08.939><c> why</c><00:04:09.810><c> would</c><00:04:10.019><c> we</c><00:04:10.079><c> want</c><00:04:10.230><c> to</c><00:04:10.290><c> give</c>

00:04:10.399 --> 00:04:10.409 align:start position:0%
what do it why would we want to give
 

00:04:10.409 --> 00:04:12.710 align:start position:0%
what do it why would we want to give
cash<00:04:10.680><c> instead</c><00:04:11.069><c> of</c><00:04:11.220><c> in</c><00:04:11.579><c> the</c><00:04:11.730><c> conveyed</c><00:04:12.269><c> such</c><00:04:12.569><c> as</c>

00:04:12.710 --> 00:04:12.720 align:start position:0%
cash instead of in the conveyed such as
 

00:04:12.720 --> 00:04:15.110 align:start position:0%
cash instead of in the conveyed such as
food<00:04:12.930><c> or</c><00:04:13.049><c> clothing</c><00:04:13.319><c> and</c><00:04:13.920><c> the</c><00:04:14.609><c> reason</c><00:04:14.879><c> we</c><00:04:14.939><c> want</c>

00:04:15.110 --> 00:04:15.120 align:start position:0%
food or clothing and the reason we want
 

00:04:15.120 --> 00:04:17.090 align:start position:0%
food or clothing and the reason we want
to<00:04:15.180><c> do</c><00:04:15.239><c> this</c><00:04:15.359><c> is</c><00:04:15.569><c> because</c><00:04:15.959><c> collectively</c><00:04:16.799><c> wreck</c>

00:04:17.090 --> 00:04:17.100 align:start position:0%
to do this is because collectively wreck
 

00:04:17.100 --> 00:04:18.379 align:start position:0%
to do this is because collectively wreck
ready<00:04:17.310><c> to</c><00:04:17.549><c> terrible</c><00:04:17.910><c> of</c><00:04:18.000><c> working</c><00:04:18.299><c> out</c><00:04:18.359><c> what</c>

00:04:18.379 --> 00:04:18.389 align:start position:0%
ready to terrible of working out what
 

00:04:18.389 --> 00:04:19.670 align:start position:0%
ready to terrible of working out what
what<00:04:18.690><c> will</c><00:04:18.930><c> be</c><00:04:19.049><c> will</c><00:04:19.199><c> need</c><00:04:19.350><c> during</c><00:04:19.500><c> the</c>

00:04:19.670 --> 00:04:19.680 align:start position:0%
what will be will need during the
 

00:04:19.680 --> 00:04:22.610 align:start position:0%
what will be will need during the
process<00:04:20.100><c> so</c><00:04:20.720><c> same</c><00:04:21.720><c> thing</c><00:04:21.750><c> is</c><00:04:21.989><c> in</c><00:04:22.139><c> Syrian</c>

00:04:22.610 --> 00:04:22.620 align:start position:0%
process so same thing is in Syrian
 

00:04:22.620 --> 00:04:24.260 align:start position:0%
process so same thing is in Syrian
refugees<00:04:23.130><c> have</c><00:04:23.280><c> actually</c><00:04:23.580><c> sold</c><00:04:23.820><c> behind</c>

00:04:24.260 --> 00:04:24.270 align:start position:0%
refugees have actually sold behind
 

00:04:24.270 --> 00:04:25.460 align:start position:0%
refugees have actually sold behind
they've<00:04:24.510><c> been</c><00:04:24.660><c> given</c><00:04:24.900><c> to</c><00:04:24.990><c> fly</c><00:04:25.169><c> what</c><00:04:25.380><c> they</c>

00:04:25.460 --> 00:04:25.470 align:start position:0%
they've been given to fly what they
 

00:04:25.470 --> 00:04:27.740 align:start position:0%
they've been given to fly what they
actually<00:04:25.770><c> need</c><00:04:26.270><c> so</c><00:04:27.270><c> it</c><00:04:27.360><c> makes</c><00:04:27.510><c> a</c><00:04:27.570><c> lot</c><00:04:27.690><c> more</c>

00:04:27.740 --> 00:04:27.750 align:start position:0%
actually need so it makes a lot more
 

00:04:27.750 --> 00:04:29.779 align:start position:0%
actually need so it makes a lot more
sense<00:04:27.930><c> does</c><00:04:28.320><c> give</c><00:04:28.470><c> you</c><00:04:28.590><c> cash</c><00:04:28.889><c> instead</c><00:04:29.130><c> to</c><00:04:29.520><c> have</c>

00:04:29.779 --> 00:04:29.789 align:start position:0%
sense does give you cash instead to have
 

00:04:29.789 --> 00:04:31.790 align:start position:0%
sense does give you cash instead to have
that<00:04:29.970><c> more</c><00:04:30.060><c> prices</c><00:04:30.479><c> good</c><00:04:31.320><c> mom</c><00:04:31.500><c> business</c>

00:04:31.790 --> 00:04:31.800 align:start position:0%
that more prices good mom business
 

00:04:31.800 --> 00:04:33.590 align:start position:0%
that more prices good mom business
getting<00:04:32.220><c> disabled</c><00:04:32.760><c> attached</c><00:04:32.940><c> to</c><00:04:33.210><c> people</c><00:04:33.449><c> it's</c>

00:04:33.590 --> 00:04:33.600 align:start position:0%
getting disabled attached to people it's
 

00:04:33.600 --> 00:04:35.659 align:start position:0%
getting disabled attached to people it's
a<00:04:33.750><c> thorough</c><00:04:34.199><c> manner</c><00:04:34.440><c> is</c><00:04:34.590><c> really</c><00:04:34.620><c> really</c><00:04:35.070><c> hard</c>

00:04:35.659 --> 00:04:35.669 align:start position:0%
a thorough manner is really really hard
 

00:04:35.669 --> 00:04:37.129 align:start position:0%
a thorough manner is really really hard
this<00:04:36.000><c> series</c><00:04:36.300><c> have</c><00:04:36.419><c> enjoyed</c><00:04:36.810><c> shooting</c>

00:04:37.129 --> 00:04:37.139 align:start position:0%
this series have enjoyed shooting
 

00:04:37.139 --> 00:04:39.080 align:start position:0%
this series have enjoyed shooting
thoughts<00:04:37.860><c> of</c><00:04:38.100><c> cash</c><00:04:38.340><c> up</c><00:04:38.580><c> the</c><00:04:38.669><c> river</c><00:04:38.880><c> because</c>

00:04:39.080 --> 00:04:39.090 align:start position:0%
thoughts of cash up the river because
 

00:04:39.090 --> 00:04:40.610 align:start position:0%
thoughts of cash up the river because
they're<00:04:39.210><c> less</c><00:04:39.360><c> likely</c><00:04:39.419><c> to</c><00:04:39.780><c> be</c><00:04:39.900><c> ambushed</c><00:04:40.349><c> when</c>

00:04:40.610 --> 00:04:40.620 align:start position:0%
they're less likely to be ambushed when
 

00:04:40.620 --> 00:04:42.260 align:start position:0%
they're less likely to be ambushed when
they're<00:04:40.949><c> going</c><00:04:41.310><c> to</c><00:04:41.460><c> rob</c><00:04:41.610><c> dried</c><00:04:41.940><c> up</c><00:04:42.090><c> on</c><00:04:42.180><c> the</c>

00:04:42.260 --> 00:04:42.270 align:start position:0%
they're going to rob dried up on the
 

00:04:42.270 --> 00:04:46.189 align:start position:0%
they're going to rob dried up on the
right<00:04:44.240><c> here's</c><00:04:45.240><c> the</c><00:04:45.330><c> most</c><00:04:45.539><c> minute</c><00:04:45.780><c> approaches</c>

00:04:46.189 --> 00:04:46.199 align:start position:0%
right here's the most minute approaches
 

00:04:46.199 --> 00:04:48.560 align:start position:0%
right here's the most minute approaches
we're<00:04:46.320><c> moving</c><00:04:46.530><c> into</c><00:04:46.650><c> practice</c><00:04:47.240><c> if</c><00:04:48.240><c> you</c><00:04:48.419><c> just</c>

00:04:48.560 --> 00:04:48.570 align:start position:0%
we're moving into practice if you just
 

00:04:48.570 --> 00:04:50.360 align:start position:0%
we're moving into practice if you just
let<00:04:48.810><c> people</c><00:04:48.960><c> buy</c><00:04:49.229><c> what</c><00:04:49.500><c> you</c><00:04:49.650><c> they</c><00:04:49.949><c> even</c><00:04:50.280><c> the</c>

00:04:50.360 --> 00:04:50.370 align:start position:0%
let people buy what you they even the
 

00:04:50.370 --> 00:04:52.279 align:start position:0%
let people buy what you they even the
stores<00:04:50.639><c> you</c><00:04:51.090><c> can</c><00:04:51.240><c> just</c><00:04:51.419><c> three</c><00:04:51.660><c> versus</c><00:04:52.080><c> stores</c>

00:04:52.279 --> 00:04:52.289 align:start position:0%
stores you can just three versus stores
 

00:04:52.289 --> 00:04:54.680 align:start position:0%
stores you can just three versus stores
instead<00:04:52.650><c> these</c><00:04:53.520><c> things</c><00:04:53.789><c> instead</c><00:04:54.150><c> of</c><00:04:54.210><c> need</c><00:04:54.539><c> to</c>

00:04:54.680 --> 00:04:54.690 align:start position:0%
instead these things instead of need to
 

00:04:54.690 --> 00:04:56.420 align:start position:0%
instead these things instead of need to
find<00:04:54.870><c> ways</c><00:04:55.080><c> to</c><00:04:55.110><c> get</c><00:04:55.440><c> physical</c><00:04:56.070><c> cash</c><00:04:56.250><c> to</c>

00:04:56.420 --> 00:04:56.430 align:start position:0%
find ways to get physical cash to
 

00:04:56.430 --> 00:04:57.770 align:start position:0%
find ways to get physical cash to
hundreds<00:04:56.849><c> and</c><00:04:56.910><c> hundreds</c><00:04:57.240><c> of</c><00:04:57.330><c> individuals</c>

00:04:57.770 --> 00:04:57.780 align:start position:0%
hundreds and hundreds of individuals
 

00:04:57.780 --> 00:04:59.300 align:start position:0%
hundreds and hundreds of individuals
instead<00:04:58.380><c> you</c><00:04:58.470><c> only</c><00:04:58.620><c> need</c><00:04:58.830><c> to</c><00:04:58.919><c> find</c><00:04:59.099><c> a</c><00:04:59.160><c> way</c><00:04:59.250><c> to</c>

00:04:59.300 --> 00:04:59.310 align:start position:0%
instead you only need to find a way to
 

00:04:59.310 --> 00:05:01.279 align:start position:0%
instead you only need to find a way to
get<00:04:59.460><c> into</c><00:04:59.610><c> a</c><00:04:59.699><c> handful</c><00:05:00.060><c> of</c><00:05:00.150><c> stores</c><00:05:00.419><c> and</c><00:05:01.050><c> this</c><00:05:01.169><c> is</c>

00:05:01.279 --> 00:05:01.289 align:start position:0%
get into a handful of stores and this is
 

00:05:01.289 --> 00:05:03.020 align:start position:0%
get into a handful of stores and this is
often<00:05:01.500><c> a</c><00:05:01.590><c> lot</c><00:05:01.710><c> easier</c><00:05:02.190><c> because</c><00:05:02.370><c> stores</c><00:05:02.849><c> can</c>

00:05:03.020 --> 00:05:03.030 align:start position:0%
often a lot easier because stores can
 

00:05:03.030 --> 00:05:04.399 align:start position:0%
often a lot easier because stores can
have<00:05:03.210><c> a</c><00:05:03.240><c> higher</c><00:05:03.570><c> level</c><00:05:03.870><c> of</c><00:05:03.930><c> financial</c>

00:05:04.399 --> 00:05:04.409 align:start position:0%
have a higher level of financial
 

00:05:04.409 --> 00:05:07.850 align:start position:0%
have a higher level of financial
inclusion<00:05:04.500><c> than</c><00:05:04.889><c> individuals</c><00:05:06.650><c> you</c><00:05:07.650><c> need</c><00:05:07.770><c> a</c>

00:05:07.850 --> 00:05:07.860 align:start position:0%
inclusion than individuals you need a
 

00:05:07.860 --> 00:05:09.740 align:start position:0%
inclusion than individuals you need a
way<00:05:08.280><c> to</c><00:05:08.310><c> track</c><00:05:08.820><c> how</c><00:05:09.060><c> much</c><00:05:09.180><c> each</c><00:05:09.360><c> vendor</c><00:05:09.599><c> is</c>

00:05:09.740 --> 00:05:09.750 align:start position:0%
way to track how much each vendor is
 

00:05:09.750 --> 00:05:11.719 align:start position:0%
way to track how much each vendor is
going<00:05:09.990><c> on</c><00:05:10.110><c> so</c><00:05:10.680><c> we</c><00:05:10.800><c> give</c><00:05:10.919><c> it</c><00:05:11.039><c> to</c><00:05:11.130><c> become</c><00:05:11.250><c> each</c>

00:05:11.719 --> 00:05:11.729 align:start position:0%
going on so we give it to become each
 

00:05:11.729 --> 00:05:14.000 align:start position:0%
going on so we give it to become each
lender<00:05:11.970><c> a</c><00:05:12.060><c> contactless</c><00:05:12.510><c> paper</c><00:05:12.810><c> which</c><00:05:13.800><c> looks</c>

00:05:14.000 --> 00:05:14.010 align:start position:0%
lender a contactless paper which looks
 

00:05:14.010 --> 00:05:14.360 align:start position:0%
lender a contactless paper which looks
like<00:05:14.070><c> that</c>

00:05:14.360 --> 00:05:14.370 align:start position:0%
like that
 

00:05:14.370 --> 00:05:17.450 align:start position:0%
like that
all<00:05:14.760><c> this</c><00:05:14.970><c> to</c><00:05:15.389><c> say</c><00:05:15.830><c> what's</c><00:05:16.830><c> render</c><00:05:17.190><c> this</c><00:05:17.310><c> is</c>

00:05:17.450 --> 00:05:17.460 align:start position:0%
all this to say what's render this is
 

00:05:17.460 --> 00:05:19.550 align:start position:0%
all this to say what's render this is
it's<00:05:17.610><c> really</c><00:05:17.669><c> really</c><00:05:18.000><c> inclusive</c><00:05:18.510><c> it</c><00:05:19.380><c> means</c>

00:05:19.550 --> 00:05:19.560 align:start position:0%
it's really really inclusive it means
 

00:05:19.560 --> 00:05:21.290 align:start position:0%
it's really really inclusive it means
that<00:05:19.710><c> we</c><00:05:19.830><c> can</c><00:05:20.070><c> help</c><00:05:20.580><c> me</c><00:05:20.789><c> power</c>

00:05:21.290 --> 00:05:21.300 align:start position:0%
that we can help me power
 

00:05:21.300 --> 00:05:24.350 align:start position:0%
that we can help me power
anyone<00:05:22.110><c> with</c><00:05:22.889><c> us</c><00:05:23.039><c> about</c><00:05:23.159><c> how</c><00:05:23.490><c> they</c><00:05:23.639><c> are</c><00:05:23.789><c> quite</c>

00:05:24.350 --> 00:05:24.360 align:start position:0%
anyone with us about how they are quite
 

00:05:24.360 --> 00:05:27.439 align:start position:0%
anyone with us about how they are quite
a<00:05:24.389><c> lot</c><00:05:24.680><c> so</c><00:05:25.680><c> this</c><00:05:25.860><c> card</c><00:05:26.220><c> is</c><00:05:26.490><c> tied</c><00:05:27.180><c> to</c><00:05:27.360><c> an</c>

00:05:27.439 --> 00:05:27.449 align:start position:0%
a lot so this card is tied to an
 

00:05:27.449 --> 00:05:29.870 align:start position:0%
a lot so this card is tied to an
ethereal<00:05:27.810><c> watch</c><00:05:28.340><c> which</c><00:05:29.340><c> means</c><00:05:29.550><c> that</c><00:05:29.639><c> we</c><00:05:29.729><c> can</c>

00:05:29.870 --> 00:05:29.880 align:start position:0%
ethereal watch which means that we can
 

00:05:29.880 --> 00:05:31.730 align:start position:0%
ethereal watch which means that we can
track<00:05:30.060><c> the</c><00:05:30.180><c> credit</c><00:05:30.419><c> spends</c><00:05:30.630><c> in</c><00:05:30.780><c> here</c><00:05:30.900><c> where</c><00:05:31.650><c> we</c>

00:05:31.730 --> 00:05:31.740 align:start position:0%
track the credit spends in here where we
 

00:05:31.740 --> 00:05:33.890 align:start position:0%
track the credit spends in here where we
can<00:05:31.860><c> take</c><00:05:31.979><c> this</c><00:05:32.159><c> sip</c><00:05:32.460><c> see</c><00:05:32.970><c> someone</c><00:05:33.360><c> step</c><00:05:33.690><c> burn</c>

00:05:33.890 --> 00:05:33.900 align:start position:0%
can take this sip see someone step burn
 

00:05:33.900 --> 00:05:35.300 align:start position:0%
can take this sip see someone step burn
that<00:05:34.050><c> I'll</c><00:05:34.169><c> make</c><00:05:34.320><c> it</c><00:05:34.440><c> more</c><00:05:34.590><c> resilient</c><00:05:34.919><c> by</c><00:05:35.159><c> not</c>

00:05:35.300 --> 00:05:35.310 align:start position:0%
that I'll make it more resilient by not
 

00:05:35.310 --> 00:05:37.100 align:start position:0%
that I'll make it more resilient by not
just<00:05:35.490><c> track</c><00:05:35.699><c> the</c><00:05:35.849><c> credit</c><00:05:36.180><c> but</c><00:05:36.750><c> instead</c>

00:05:37.100 --> 00:05:37.110 align:start position:0%
just track the credit but instead
 

00:05:37.110 --> 00:05:37.870 align:start position:0%
just track the credit but instead
actually<00:05:37.349><c> use</c>

00:05:37.870 --> 00:05:37.880 align:start position:0%
actually use
 

00:05:37.880 --> 00:05:39.610 align:start position:0%
actually use
staying<00:05:38.180><c> quiet</c><00:05:38.480><c> picked</c><00:05:38.810><c> the</c><00:05:39.050><c> local</c><00:05:39.410><c> currency</c>

00:05:39.610 --> 00:05:39.620 align:start position:0%
staying quiet picked the local currency
 

00:05:39.620 --> 00:05:42.910 align:start position:0%
staying quiet picked the local currency
a<00:05:40.550><c> measure</c><00:05:41.180><c> of</c><00:05:41.300><c> transferring</c><00:05:41.810><c> parts</c><00:05:42.170><c> since</c>

00:05:42.910 --> 00:05:42.920 align:start position:0%
a measure of transferring parts since
 

00:05:42.920 --> 00:05:44.380 align:start position:0%
a measure of transferring parts since
things<00:05:43.160><c> that</c><00:05:43.310><c> vendors</c><00:05:43.640><c> actually</c><00:05:43.850><c> have</c><00:05:44.210><c> real</c>

00:05:44.380 --> 00:05:44.390 align:start position:0%
things that vendors actually have real
 

00:05:44.390 --> 00:05:46.000 align:start position:0%
things that vendors actually have real
value<00:05:44.600><c> that</c><00:05:44.870><c> arrives</c><00:05:45.200><c> in</c><00:05:45.380><c> their</c><00:05:45.530><c> hands</c><00:05:45.770><c> every</c>

00:05:46.000 --> 00:05:46.010 align:start position:0%
value that arrives in their hands every
 

00:05:46.010 --> 00:05:48.250 align:start position:0%
value that arrives in their hands every
time<00:05:46.160><c> they</c><00:05:46.550><c> accept</c><00:05:46.850><c> the</c><00:05:46.910><c> payment</c><00:05:47.150><c> it's</c><00:05:48.020><c> more</c>

00:05:48.250 --> 00:05:48.260 align:start position:0%
time they accept the payment it's more
 

00:05:48.260 --> 00:05:49.690 align:start position:0%
time they accept the payment it's more
than<00:05:48.380><c> just</c><00:05:48.440><c> a</c><00:05:48.650><c> constant</c><00:05:49.100><c> assembler</c><00:05:49.460><c> that</c><00:05:49.580><c> will</c>

00:05:49.690 --> 00:05:49.700 align:start position:0%
than just a constant assembler that will
 

00:05:49.700 --> 00:05:50.470 align:start position:0%
than just a constant assembler that will
repay<00:05:50.000><c> them</c>

00:05:50.470 --> 00:05:50.480 align:start position:0%
repay them
 

00:05:50.480 --> 00:05:52.900 align:start position:0%
repay them
this<00:05:51.230><c> is</c><00:05:51.380><c> screebl</c><00:05:51.890><c> that</c><00:05:52.280><c> means</c><00:05:52.460><c> that</c><00:05:52.640><c> the</c><00:05:52.730><c> end</c>

00:05:52.900 --> 00:05:52.910 align:start position:0%
this is screebl that means that the end
 

00:05:52.910 --> 00:05:54.910 align:start position:0%
this is screebl that means that the end
of<00:05:53.060><c> end</c><00:05:53.180><c> or</c><00:05:53.360><c> start</c><00:05:53.480><c> have</c><00:05:53.810><c> to</c><00:05:53.930><c> allow</c><00:05:54.200><c> us</c><00:05:54.530><c> to</c>

00:05:54.910 --> 00:05:54.920 align:start position:0%
of end or start have to allow us to
 

00:05:54.920 --> 00:05:56.620 align:start position:0%
of end or start have to allow us to
repay<00:05:55.250><c> them</c><00:05:55.490><c> they</c><00:05:56.030><c> can</c><00:05:56.180><c> find</c><00:05:56.420><c> another</c>

00:05:56.620 --> 00:05:56.630 align:start position:0%
repay them they can find another
 

00:05:56.630 --> 00:05:58.420 align:start position:0%
repay them they can find another
provider<00:05:56.870><c> dissolving</c><00:05:57.590><c> their</c><00:05:57.710><c> stabl</c><00:05:58.010><c> plan</c><00:05:58.190><c> to</c>

00:05:58.420 --> 00:05:58.430 align:start position:0%
provider dissolving their stabl plan to
 

00:05:58.430 --> 00:06:01.960 align:start position:0%
provider dissolving their stabl plan to
sell<00:05:58.640><c> it</c><00:05:58.790><c> by</c><00:05:59.000><c> the</c><00:05:59.060><c> same</c><00:05:59.330><c> points</c><00:05:59.660><c> off</c><00:06:00.460><c> even</c><00:06:01.460><c> say</c>

00:06:01.960 --> 00:06:01.970 align:start position:0%
sell it by the same points off even say
 

00:06:01.970 --> 00:06:03.730 align:start position:0%
sell it by the same points off even say
who<00:06:02.150><c> does</c><00:06:02.360><c> end</c><00:06:02.870><c> up</c><00:06:02.990><c> doing</c><00:06:03.260><c> a</c><00:06:03.320><c> lot</c><00:06:03.350><c> of</c><00:06:03.560><c> green</c>

00:06:03.730 --> 00:06:03.740 align:start position:0%
who does end up doing a lot of green
 

00:06:03.740 --> 00:06:06.130 align:start position:0%
who does end up doing a lot of green
payments<00:06:04.190><c> this</c><00:06:04.670><c> is</c><00:06:04.730><c> fundamentally</c><00:06:05.510><c> changes</c>

00:06:06.130 --> 00:06:06.140 align:start position:0%
payments this is fundamentally changes
 

00:06:06.140 --> 00:06:07.840 align:start position:0%
payments this is fundamentally changes
the<00:06:06.170><c> structure</c><00:06:06.590><c> of</c><00:06:06.800><c> what</c><00:06:06.920><c> we're</c><00:06:07.100><c> doing</c><00:06:07.340><c> we're</c>

00:06:07.840 --> 00:06:07.850 align:start position:0%
the structure of what we're doing we're
 

00:06:07.850 --> 00:06:10.210 align:start position:0%
the structure of what we're doing we're
no<00:06:07.970><c> longer</c><00:06:08.210><c> just</c><00:06:08.690><c> a</c><00:06:08.900><c> end-to-end</c><00:06:09.650><c> payment</c>

00:06:10.210 --> 00:06:10.220 align:start position:0%
no longer just a end-to-end payment
 

00:06:10.220 --> 00:06:11.650 align:start position:0%
no longer just a end-to-end payment
provider<00:06:10.520><c> actually</c><00:06:10.940><c> now</c><00:06:11.030><c> two</c><00:06:11.090><c> things</c><00:06:11.450><c> we</c><00:06:11.630><c> have</c>

00:06:11.650 --> 00:06:11.660 align:start position:0%
provider actually now two things we have
 

00:06:11.660 --> 00:06:14.380 align:start position:0%
provider actually now two things we have
a<00:06:11.810><c> lot</c><00:06:12.080><c> and</c><00:06:12.320><c> an</c><00:06:12.650><c> exchange</c><00:06:12.860><c> and</c><00:06:13.760><c> this</c><00:06:13.850><c> is</c><00:06:14.030><c> really</c>

00:06:14.380 --> 00:06:14.390 align:start position:0%
a lot and an exchange and this is really
 

00:06:14.390 --> 00:06:15.580 align:start position:0%
a lot and an exchange and this is really
important<00:06:14.780><c> because</c><00:06:14.840><c> it</c><00:06:15.110><c> changes</c><00:06:15.530><c> the</c>

00:06:15.580 --> 00:06:15.590 align:start position:0%
important because it changes the
 

00:06:15.590 --> 00:06:17.230 align:start position:0%
important because it changes the
regulatory<00:06:16.040><c> structure</c><00:06:16.520><c> in</c><00:06:16.790><c> which</c><00:06:16.880><c> we</c><00:06:17.090><c> operate</c>

00:06:17.230 --> 00:06:17.240 align:start position:0%
regulatory structure in which we operate
 

00:06:17.240 --> 00:06:19.060 align:start position:0%
regulatory structure in which we operate
these<00:06:18.020><c> things</c><00:06:18.230><c> that</c><00:06:18.320><c> are</c><00:06:18.440><c> far</c><00:06:18.680><c> more</c><00:06:18.710><c> flexible</c>

00:06:19.060 --> 00:06:19.070 align:start position:0%
these things that are far more flexible
 

00:06:19.070 --> 00:06:20.700 align:start position:0%
these things that are far more flexible
for<00:06:19.550><c> us</c><00:06:19.610><c> to</c><00:06:19.730><c> operate</c><00:06:19.880><c> in</c><00:06:20.240><c> the</c><00:06:20.300><c> otherwise</c>

00:06:20.700 --> 00:06:20.710 align:start position:0%
for us to operate in the otherwise
 

00:06:20.710 --> 00:06:23.620 align:start position:0%
for us to operate in the otherwise
really<00:06:21.710><c> difficult</c><00:06:22.130><c> countries</c><00:06:22.490><c> like</c><00:06:22.760><c> Lebanon</c>

00:06:23.620 --> 00:06:23.630 align:start position:0%
really difficult countries like Lebanon
 

00:06:23.630 --> 00:06:26.380 align:start position:0%
really difficult countries like Lebanon
Organa<00:06:24.080><c> lodging</c><00:06:24.760><c> so</c><00:06:25.760><c> this</c><00:06:25.910><c> is</c><00:06:26.030><c> a</c><00:06:26.060><c> very</c>

00:06:26.380 --> 00:06:26.390 align:start position:0%
Organa lodging so this is a very
 

00:06:26.390 --> 00:06:28.480 align:start position:0%
Organa lodging so this is a very
tangible<00:06:27.050><c> advantage</c><00:06:27.830><c> of</c><00:06:27.950><c> using</c><00:06:28.100><c> a</c><00:06:28.280><c> blockchain</c>

00:06:28.480 --> 00:06:28.490 align:start position:0%
tangible advantage of using a blockchain
 

00:06:28.490 --> 00:06:31.060 align:start position:0%
tangible advantage of using a blockchain
over<00:06:29.240><c> existing</c><00:06:29.480><c> processes</c><00:06:30.050><c> and</c><00:06:30.830><c> so</c><00:06:30.980><c> the</c>

00:06:31.060 --> 00:06:31.070 align:start position:0%
over existing processes and so the
 

00:06:31.070 --> 00:06:34.540 align:start position:0%
over existing processes and so the
qualifiers<00:06:31.570><c> it's</c><00:06:32.570><c> 96</c><00:06:33.200><c> percent</c><00:06:33.590><c> faster</c><00:06:33.830><c> than</c>

00:06:34.540 --> 00:06:34.550 align:start position:0%
qualifiers it's 96 percent faster than
 

00:06:34.550 --> 00:06:35.950 align:start position:0%
qualifiers it's 96 percent faster than
what<00:06:34.700><c> we</c><00:06:34.790><c> would</c><00:06:34.940><c> do</c><00:06:35.030><c> or</c><00:06:35.270><c> what</c><00:06:35.300><c> Martin</c><00:06:35.660><c> is</c><00:06:35.870><c> doing</c>

00:06:35.950 --> 00:06:35.960 align:start position:0%
what we would do or what Martin is doing
 

00:06:35.960 --> 00:06:38.320 align:start position:0%
what we would do or what Martin is doing
in<00:06:36.170><c> the</c><00:06:36.230><c> past</c><00:06:36.460><c> this</c><00:06:37.460><c> is</c><00:06:37.640><c> because</c><00:06:37.880><c> I'm</c><00:06:38.030><c> able</c><00:06:38.150><c> to</c>

00:06:38.320 --> 00:06:38.330 align:start position:0%
in the past this is because I'm able to
 

00:06:38.330 --> 00:06:40.390 align:start position:0%
in the past this is because I'm able to
bypass<00:06:38.570><c> a</c><00:06:38.870><c> huge</c><00:06:39.410><c> chunk</c><00:06:39.770><c> of</c><00:06:39.860><c> that</c><00:06:39.920><c> existing</c>

00:06:40.390 --> 00:06:40.400 align:start position:0%
bypass a huge chunk of that existing
 

00:06:40.400 --> 00:06:45.760 align:start position:0%
bypass a huge chunk of that existing
banking<00:06:40.700><c> system</c><00:06:43.030><c> so</c><00:06:44.030><c> again</c><00:06:44.750><c> what</c><00:06:45.650><c> does</c>

00:06:45.760 --> 00:06:45.770 align:start position:0%
banking system so again what does
 

00:06:45.770 --> 00:06:48.190 align:start position:0%
banking system so again what does
blockchain<00:06:46.310><c> do</c><00:06:46.520><c> for</c><00:06:46.760><c> us</c><00:06:46.820><c> me</c><00:06:47.450><c> speaking</c><00:06:47.810><c> as</c><00:06:48.080><c> an</c>

00:06:48.190 --> 00:06:48.200 align:start position:0%
blockchain do for us me speaking as an
 

00:06:48.200 --> 00:06:50.680 align:start position:0%
blockchain do for us me speaking as an
NGO<00:06:48.590><c> for</c><00:06:48.920><c> me</c><00:06:49.430><c> what</c><00:06:49.610><c> this</c><00:06:49.760><c> does</c><00:06:49.970><c> is</c><00:06:50.180><c> it</c><00:06:50.330><c> starts</c>

00:06:50.680 --> 00:06:50.690 align:start position:0%
NGO for me what this does is it starts
 

00:06:50.690 --> 00:06:52.840 align:start position:0%
NGO for me what this does is it starts
to<00:06:50.840><c> break</c><00:06:51.080><c> some</c><00:06:51.470><c> of</c><00:06:51.530><c> the</c><00:06:51.710><c> chains</c><00:06:51.980><c> that</c><00:06:52.430><c> are</c>

00:06:52.840 --> 00:06:52.850 align:start position:0%
to break some of the chains that are
 

00:06:52.850 --> 00:06:54.940 align:start position:0%
to break some of the chains that are
consistently<00:06:53.690><c> constraining</c><00:06:54.440><c> the</c><00:06:54.620><c> way</c><00:06:54.740><c> the</c>

00:06:54.940 --> 00:06:54.950 align:start position:0%
consistently constraining the way the
 

00:06:54.950 --> 00:06:58.180 align:start position:0%
consistently constraining the way the
big<00:06:55.190><c> UN</c><00:06:55.700><c> agencies</c><00:06:56.390><c> NGOs</c><00:06:56.600><c> foundations</c><00:06:57.350><c> and</c>

00:06:58.180 --> 00:06:58.190 align:start position:0%
big UN agencies NGOs foundations and
 

00:06:58.190 --> 00:07:01.000 align:start position:0%
big UN agencies NGOs foundations and
other<00:06:58.730><c> nonprofits</c><00:06:59.450><c> operate</c><00:06:59.900><c> when</c><00:07:00.590><c> you</c><00:07:00.710><c> use</c><00:07:00.980><c> a</c>

00:07:01.000 --> 00:07:01.010 align:start position:0%
other nonprofits operate when you use a
 

00:07:01.010 --> 00:07:02.360 align:start position:0%
other nonprofits operate when you use a
crypto<00:07:01.520><c> enable</c><00:07:01.940><c> payment</c>

00:07:02.360 --> 00:07:02.370 align:start position:0%
crypto enable payment
 

00:07:02.370 --> 00:07:04.310 align:start position:0%
crypto enable payment
system<00:07:02.760><c> what</c><00:07:02.940><c> you're</c><00:07:03.090><c> doing</c><00:07:03.479><c> is</c><00:07:04.050><c> you're</c>

00:07:04.310 --> 00:07:04.320 align:start position:0%
system what you're doing is you're
 

00:07:04.320 --> 00:07:06.590 align:start position:0%
system what you're doing is you're
creating<00:07:04.530><c> more</c><00:07:04.949><c> nervousness</c><00:07:05.310><c> around</c><00:07:06.090><c> the</c><00:07:06.449><c> way</c>

00:07:06.590 --> 00:07:06.600 align:start position:0%
creating more nervousness around the way
 

00:07:06.600 --> 00:07:08.390 align:start position:0%
creating more nervousness around the way
that<00:07:06.810><c> money</c><00:07:06.990><c> is</c><00:07:07.229><c> traced</c><00:07:07.590><c> in</c><00:07:07.949><c> the</c><00:07:08.070><c> way</c><00:07:08.160><c> that</c>

00:07:08.390 --> 00:07:08.400 align:start position:0%
that money is traced in the way that
 

00:07:08.400 --> 00:07:11.030 align:start position:0%
that money is traced in the way that
money<00:07:08.610><c> is</c><00:07:08.760><c> donated</c><00:07:09.080><c> what</c><00:07:10.080><c> this</c><00:07:10.260><c> means</c><00:07:10.560><c> is</c><00:07:10.979><c> that</c>

00:07:11.030 --> 00:07:11.040 align:start position:0%
money is donated what this means is that
 

00:07:11.040 --> 00:07:12.890 align:start position:0%
money is donated what this means is that
you're<00:07:11.400><c> opening</c><00:07:11.880><c> up</c><00:07:12.090><c> that</c><00:07:12.360><c> humanitarian</c>

00:07:12.890 --> 00:07:12.900 align:start position:0%
you're opening up that humanitarian
 

00:07:12.900 --> 00:07:15.560 align:start position:0%
you're opening up that humanitarian
system<00:07:13.530><c> to</c><00:07:13.710><c> include</c><00:07:13.949><c> new</c><00:07:14.430><c> actors</c><00:07:14.970><c> and</c><00:07:15.330><c> in</c><00:07:15.389><c> our</c>

00:07:15.560 --> 00:07:15.570 align:start position:0%
system to include new actors and in our
 

00:07:15.570 --> 00:07:18.530 align:start position:0%
system to include new actors and in our
case<00:07:15.780><c> smaller</c><00:07:16.229><c> vendors</c><00:07:16.639><c> it</c><00:07:17.639><c> also</c><00:07:17.880><c> means</c><00:07:18.330><c> that</c>

00:07:18.530 --> 00:07:18.540 align:start position:0%
case smaller vendors it also means that
 

00:07:18.540 --> 00:07:20.629 align:start position:0%
case smaller vendors it also means that
that<00:07:18.840><c> corner</c><00:07:19.260><c> business</c><00:07:19.680><c> allows</c><00:07:20.100><c> us</c><00:07:20.370><c> to</c>

00:07:20.629 --> 00:07:20.639 align:start position:0%
that corner business allows us to
 

00:07:20.639 --> 00:07:23.210 align:start position:0%
that corner business allows us to
deliver<00:07:20.910><c> by</c><00:07:21.270><c> and</c><00:07:21.690><c> with</c><00:07:21.870><c> local</c><00:07:22.320><c> vendors</c><00:07:22.770><c> across</c>

00:07:23.210 --> 00:07:23.220 align:start position:0%
deliver by and with local vendors across
 

00:07:23.220 --> 00:07:25.969 align:start position:0%
deliver by and with local vendors across
and<00:07:23.880><c> between</c><00:07:24.360><c> multiple</c><00:07:24.900><c> locations</c><00:07:25.500><c> at</c><00:07:25.740><c> once</c>

00:07:25.969 --> 00:07:25.979 align:start position:0%
and between multiple locations at once
 

00:07:25.979 --> 00:07:28.730 align:start position:0%
and between multiple locations at once
because<00:07:26.880><c> as</c><00:07:27.150><c> we</c><00:07:27.360><c> know</c><00:07:27.389><c> the</c><00:07:28.320><c> world's</c>

00:07:28.730 --> 00:07:28.740 align:start position:0%
because as we know the world's
 

00:07:28.740 --> 00:07:31.010 align:start position:0%
because as we know the world's
earthquakes<00:07:29.010><c> the</c><00:07:29.729><c> world</c><00:07:29.910><c> cyclones</c><00:07:30.660><c> the</c>

00:07:31.010 --> 00:07:31.020 align:start position:0%
earthquakes the world cyclones the
 

00:07:31.020 --> 00:07:33.650 align:start position:0%
earthquakes the world cyclones the
world's<00:07:31.350><c> volcanoes</c><00:07:31.910><c> absolutely</c><00:07:32.910><c> do</c><00:07:33.150><c> not</c><00:07:33.330><c> care</c>

00:07:33.650 --> 00:07:33.660 align:start position:0%
world's volcanoes absolutely do not care
 

00:07:33.660 --> 00:07:35.870 align:start position:0%
world's volcanoes absolutely do not care
about<00:07:33.870><c> wars</c><00:07:34.380><c> they</c><00:07:35.220><c> do</c><00:07:35.280><c> not</c><00:07:35.550><c> discriminate</c>

00:07:35.870 --> 00:07:35.880 align:start position:0%
about wars they do not discriminate
 

00:07:35.880 --> 00:07:37.820 align:start position:0%
about wars they do not discriminate
according<00:07:36.780><c> to</c><00:07:36.930><c> which</c><00:07:37.080><c> country</c><00:07:37.530><c> you're</c>

00:07:37.820 --> 00:07:37.830 align:start position:0%
according to which country you're
 

00:07:37.830 --> 00:07:39.830 align:start position:0%
according to which country you're
located<00:07:38.160><c> in</c><00:07:38.520><c> or</c><00:07:38.729><c> which</c><00:07:39.210><c> country</c><00:07:39.449><c> you've</c>

00:07:39.830 --> 00:07:39.840 align:start position:0%
located in or which country you've
 

00:07:39.840 --> 00:07:42.860 align:start position:0%
located in or which country you've
targeted<00:07:40.410><c> your</c><00:07:40.560><c> donations</c><00:07:41.130><c> do</c><00:07:41.630><c> so</c><00:07:42.630><c> in</c>

00:07:42.860 --> 00:07:42.870 align:start position:0%
targeted your donations do so in
 

00:07:42.870 --> 00:07:45.439 align:start position:0%
targeted your donations do so in
addition<00:07:43.260><c> to</c><00:07:43.410><c> improving</c><00:07:44.150><c> efficiency</c><00:07:45.150><c> and</c>

00:07:45.439 --> 00:07:45.449 align:start position:0%
addition to improving efficiency and
 

00:07:45.449 --> 00:07:46.129 align:start position:0%
addition to improving efficiency and
automation

00:07:46.129 --> 00:07:46.139 align:start position:0%
automation
 

00:07:46.139 --> 00:07:49.850 align:start position:0%
automation
it<00:07:46.800><c> takes</c><00:07:47.160><c> what</c><00:07:47.729><c> are</c><00:07:48.199><c> unnecessarily</c><00:07:49.199><c> complex</c>

00:07:49.850 --> 00:07:49.860 align:start position:0%
it takes what are unnecessarily complex
 

00:07:49.860 --> 00:07:53.300 align:start position:0%
it takes what are unnecessarily complex
and<00:07:50.310><c> slow</c><00:07:50.580><c> systems</c><00:07:51.150><c> of</c><00:07:51.449><c> big</c><00:07:52.050><c> agencies</c><00:07:52.770><c> and</c><00:07:53.100><c> it</c>

00:07:53.300 --> 00:07:53.310 align:start position:0%
and slow systems of big agencies and it
 

00:07:53.310 --> 00:07:55.640 align:start position:0%
and slow systems of big agencies and it
makes<00:07:53.520><c> them</c><00:07:53.820><c> much</c><00:07:54.030><c> more</c><00:07:54.060><c> simple</c><00:07:54.840><c> much</c><00:07:55.350><c> more</c>

00:07:55.640 --> 00:07:55.650 align:start position:0%
makes them much more simple much more
 

00:07:55.650 --> 00:07:58.159 align:start position:0%
makes them much more simple much more
intuitive<00:07:56.280><c> and</c><00:07:56.460><c> much</c><00:07:56.669><c> easier</c><00:07:56.940><c> for</c><00:07:57.900><c> local</c>

00:07:58.159 --> 00:07:58.169 align:start position:0%
intuitive and much easier for local
 

00:07:58.169 --> 00:08:01.310 align:start position:0%
intuitive and much easier for local
micro<00:07:58.860><c> economic</c><00:07:59.400><c> stakeholders</c><00:08:00.030><c> to</c><00:08:00.300><c> use</c><00:08:00.510><c> now</c>

00:08:01.310 --> 00:08:01.320 align:start position:0%
micro economic stakeholders to use now
 

00:08:01.320 --> 00:08:04.129 align:start position:0%
micro economic stakeholders to use now
our<00:08:01.560><c> system</c><00:08:01.889><c> our</c><00:08:02.639><c> humanitarian</c><00:08:03.330><c> system</c><00:08:03.750><c> today</c>

00:08:04.129 --> 00:08:04.139 align:start position:0%
our system our humanitarian system today
 

00:08:04.139 --> 00:08:07.040 align:start position:0%
our system our humanitarian system today
is<00:08:04.260><c> also</c><00:08:05.030><c> unnecessarily</c><00:08:06.030><c> hierarchical</c><00:08:06.750><c> and</c>

00:08:07.040 --> 00:08:07.050 align:start position:0%
is also unnecessarily hierarchical and
 

00:08:07.050 --> 00:08:09.770 align:start position:0%
is also unnecessarily hierarchical and
I'll<00:08:07.680><c> even</c><00:08:07.979><c> say</c><00:08:08.370><c> that</c><00:08:08.639><c> it</c><00:08:08.820><c> is</c><00:08:08.940><c> still</c><00:08:09.510><c> very</c>

00:08:09.770 --> 00:08:09.780 align:start position:0%
I'll even say that it is still very
 

00:08:09.780 --> 00:08:13.100 align:start position:0%
I'll even say that it is still very
colonial<00:08:10.470><c> in</c><00:08:11.070><c> the</c><00:08:11.310><c> way</c><00:08:11.460><c> that</c><00:08:12.330><c> people</c><00:08:12.750><c> decide</c>

00:08:13.100 --> 00:08:13.110 align:start position:0%
colonial in the way that people decide
 

00:08:13.110 --> 00:08:15.740 align:start position:0%
colonial in the way that people decide
who<00:08:13.770><c> should</c><00:08:13.830><c> get</c><00:08:14.190><c> what</c><00:08:14.520><c> and</c><00:08:14.789><c> who</c><00:08:15.270><c> is</c><00:08:15.300><c> making</c>

00:08:15.740 --> 00:08:15.750 align:start position:0%
who should get what and who is making
 

00:08:15.750 --> 00:08:16.700 align:start position:0%
who should get what and who is making
those<00:08:15.900><c> decisions</c>

00:08:16.700 --> 00:08:16.710 align:start position:0%
those decisions
 

00:08:16.710 --> 00:08:19.159 align:start position:0%
those decisions
this<00:08:17.280><c> results</c><00:08:17.820><c> in</c><00:08:17.910><c> monopolies</c><00:08:18.479><c> of</c><00:08:18.720><c> control</c>

00:08:19.159 --> 00:08:19.169 align:start position:0%
this results in monopolies of control
 

00:08:19.169 --> 00:08:20.960 align:start position:0%
this results in monopolies of control
and<00:08:19.500><c> privilege</c><00:08:20.039><c> and</c><00:08:20.340><c> power</c><00:08:20.550><c> and</c>

00:08:20.960 --> 00:08:20.970 align:start position:0%
and privilege and power and
 

00:08:20.970 --> 00:08:23.930 align:start position:0%
and privilege and power and
concentrations<00:08:21.840><c> of</c><00:08:22.110><c> donations</c><00:08:22.770><c> when</c><00:08:23.460><c> in</c><00:08:23.669><c> fact</c>

00:08:23.930 --> 00:08:23.940 align:start position:0%
concentrations of donations when in fact
 

00:08:23.940 --> 00:08:27.080 align:start position:0%
concentrations of donations when in fact
in<00:08:24.300><c> reality</c><00:08:24.539><c> communities</c><00:08:25.530><c> are</c><00:08:25.919><c> always</c><00:08:26.910><c> the</c>

00:08:27.080 --> 00:08:27.090 align:start position:0%
in reality communities are always the
 

00:08:27.090 --> 00:08:29.210 align:start position:0%
in reality communities are always the
first<00:08:27.330><c> responders</c><00:08:27.960><c> but</c><00:08:28.650><c> they</c><00:08:28.800><c> are</c><00:08:29.010><c> almost</c>

00:08:29.210 --> 00:08:29.220 align:start position:0%
first responders but they are almost
 

00:08:29.220 --> 00:08:33.140 align:start position:0%
first responders but they are almost
never<00:08:29.669><c> the</c><00:08:29.820><c> main</c><00:08:30.060><c> responders</c><00:08:31.039><c> but</c><00:08:32.039><c> now</c><00:08:32.310><c> using</c>

00:08:33.140 --> 00:08:33.150 align:start position:0%
never the main responders but now using
 

00:08:33.150 --> 00:08:34.880 align:start position:0%
never the main responders but now using
these<00:08:33.270><c> types</c><00:08:33.570><c> of</c><00:08:33.719><c> systems</c><00:08:34.169><c> building</c><00:08:34.500><c> in</c>

00:08:34.880 --> 00:08:34.890 align:start position:0%
these types of systems building in
 

00:08:34.890 --> 00:08:36.800 align:start position:0%
these types of systems building in
communities<00:08:35.459><c> and</c><00:08:35.669><c> with</c><00:08:35.880><c> them</c><00:08:36.150><c> we</c><00:08:36.360><c> can</c><00:08:36.510><c> start</c>

00:08:36.800 --> 00:08:36.810 align:start position:0%
communities and with them we can start
 

00:08:36.810 --> 00:08:40.010 align:start position:0%
communities and with them we can start
to<00:08:36.959><c> focus</c><00:08:37.169><c> on</c><00:08:37.680><c> enabling</c><00:08:38.610><c> small</c><00:08:39.180><c> economic</c>

00:08:40.010 --> 00:08:40.020 align:start position:0%
to focus on enabling small economic
 

00:08:40.020 --> 00:08:42.380 align:start position:0%
to focus on enabling small economic
stakeholders<00:08:40.740><c> to</c><00:08:41.339><c> play</c><00:08:41.580><c> an</c><00:08:41.820><c> active</c>

00:08:42.380 --> 00:08:42.390 align:start position:0%
stakeholders to play an active
 

00:08:42.390 --> 00:08:45.080 align:start position:0%
stakeholders to play an active
process<00:08:43.290><c> so</c><00:08:43.890><c> they</c><00:08:44.040><c> then</c><00:08:44.250><c> become</c><00:08:44.580><c> active</c>

00:08:45.080 --> 00:08:45.090 align:start position:0%
process so they then become active
 

00:08:45.090 --> 00:08:47.150 align:start position:0%
process so they then become active
agents<00:08:45.630><c> of</c><00:08:45.750><c> recovery</c><00:08:46.230><c> as</c><00:08:46.410><c> opposed</c><00:08:46.740><c> to</c><00:08:46.890><c> being</c>

00:08:47.150 --> 00:08:47.160 align:start position:0%
agents of recovery as opposed to being
 

00:08:47.160 --> 00:08:50.300 align:start position:0%
agents of recovery as opposed to being
passive<00:08:48.000><c> recipients</c><00:08:48.900><c> or</c><00:08:49.100><c> beneficiaries</c><00:08:50.100><c> of</c>

00:08:50.300 --> 00:08:50.310 align:start position:0%
passive recipients or beneficiaries of
 

00:08:50.310 --> 00:08:53.930 align:start position:0%
passive recipients or beneficiaries of
humanitarian<00:08:51.000><c> assistance</c><00:08:52.010><c> so</c><00:08:53.010><c> this</c><00:08:53.490><c> sounds</c>

00:08:53.930 --> 00:08:53.940 align:start position:0%
humanitarian assistance so this sounds
 

00:08:53.940 --> 00:08:57.020 align:start position:0%
humanitarian assistance so this sounds
great<00:08:54.450><c> theory</c><00:08:55.250><c> that</c><00:08:56.250><c> meant</c><00:08:56.550><c> stuff</c><00:08:56.820><c> talked</c>

00:08:57.020 --> 00:08:57.030 align:start position:0%
great theory that meant stuff talked
 

00:08:57.030 --> 00:09:00.290 align:start position:0%
great theory that meant stuff talked
about<00:08:57.240><c> the</c><00:08:57.510><c> realities</c><00:08:57.930><c> of</c><00:08:57.960><c> immigrant</c><00:08:59.300><c> we</c>

00:09:00.290 --> 00:09:00.300 align:start position:0%
about the realities of immigrant we
 

00:09:00.300 --> 00:09:01.790 align:start position:0%
about the realities of immigrant we
actually<00:09:00.570><c> develop</c><00:09:00.900><c> because</c><00:09:00.990><c> there's</c><00:09:01.650><c> no</c>

00:09:01.790 --> 00:09:01.800 align:start position:0%
actually develop because there's no
 

00:09:01.800 --> 00:09:03.740 align:start position:0%
actually develop because there's no
platform<00:09:02.400><c> work</c><00:09:02.910><c> out</c><00:09:03.090><c> of</c><00:09:03.210><c> a</c><00:09:03.270><c> Syrian</c><00:09:03.630><c> refugee</c>

00:09:03.740 --> 00:09:03.750 align:start position:0%
platform work out of a Syrian refugee
 

00:09:03.750 --> 00:09:05.780 align:start position:0%
platform work out of a Syrian refugee
camp<00:09:04.320><c> in</c><00:09:04.560><c> northern</c><00:09:04.590><c> templates</c><00:09:05.160><c> level</c><00:09:05.520><c> that's</c>

00:09:05.780 --> 00:09:05.790 align:start position:0%
camp in northern templates level that's
 

00:09:05.790 --> 00:09:09.350 align:start position:0%
camp in northern templates level that's
it<00:09:05.970><c> here</c><00:09:06.180><c> we</c><00:09:07.040><c> plan</c><00:09:08.040><c> to</c><00:09:08.280><c> walk</c><00:09:08.370><c> it</c><00:09:08.610><c> to</c><00:09:08.700><c> take</c><00:09:08.880><c> these</c>

00:09:09.350 --> 00:09:09.360 align:start position:0%
it here we plan to walk it to take these
 

00:09:09.360 --> 00:09:12.590 align:start position:0%
it here we plan to walk it to take these
parts<00:09:09.840><c> using</c><00:09:10.170><c> everything</c><00:09:11.240><c> seems</c><00:09:12.240><c> simple</c>

00:09:12.590 --> 00:09:12.600 align:start position:0%
parts using everything seems simple
 

00:09:12.600 --> 00:09:14.360 align:start position:0%
parts using everything seems simple
enough<00:09:12.630><c> this</c><00:09:12.930><c> is</c><00:09:12.990><c> exactly</c><00:09:13.440><c> what</c><00:09:13.650><c> we</c><00:09:13.980><c> all</c><00:09:14.160><c> use</c>

00:09:14.360 --> 00:09:14.370 align:start position:0%
enough this is exactly what we all use
 

00:09:14.370 --> 00:09:16.870 align:start position:0%
enough this is exactly what we all use
on<00:09:14.490><c> a</c><00:09:14.550><c> regular</c><00:09:14.580><c> basis</c><00:09:15.210><c> without</c><00:09:15.360><c> camp</c><00:09:15.780><c> cards</c>

00:09:16.870 --> 00:09:16.880 align:start position:0%
on a regular basis without camp cards
 

00:09:16.880 --> 00:09:18.980 align:start position:0%
on a regular basis without camp cards
when<00:09:17.880><c> we</c><00:09:18.000><c> got</c><00:09:18.150><c> there</c><00:09:18.360><c> we</c><00:09:18.390><c> found</c><00:09:18.570><c> that</c><00:09:18.810><c> there</c>

00:09:18.980 --> 00:09:18.990 align:start position:0%
when we got there we found that there
 

00:09:18.990 --> 00:09:20.990 align:start position:0%
when we got there we found that there
was<00:09:19.050><c> an</c><00:09:19.140><c> existing</c><00:09:19.380><c> cash</c><00:09:19.860><c> aid</c><00:09:20.190><c> program</c><00:09:20.790><c> been</c>

00:09:20.990 --> 00:09:21.000 align:start position:0%
was an existing cash aid program been
 

00:09:21.000 --> 00:09:23.180 align:start position:0%
was an existing cash aid program been
run<00:09:21.180><c> using</c><00:09:21.360><c> debit</c><00:09:21.630><c> cards</c><00:09:22.080><c> also</c><00:09:22.710><c> using</c><00:09:22.980><c> the</c>

00:09:23.180 --> 00:09:23.190 align:start position:0%
run using debit cards also using the
 

00:09:23.190 --> 00:09:24.830 align:start position:0%
run using debit cards also using the
instrument<00:09:23.700><c> effects</c><00:09:23.970><c> so</c><00:09:24.060><c> fundamentally</c><00:09:24.660><c> we</c>

00:09:24.830 --> 00:09:24.840 align:start position:0%
instrument effects so fundamentally we
 

00:09:24.840 --> 00:09:28.370 align:start position:0%
instrument effects so fundamentally we
release<00:09:25.080><c> in</c><00:09:25.260><c> our</c><00:09:25.380><c> system</c><00:09:26.870><c> what</c><00:09:27.870><c> we</c><00:09:27.960><c> found</c><00:09:28.140><c> is</c>

00:09:28.370 --> 00:09:28.380 align:start position:0%
release in our system what we found is
 

00:09:28.380 --> 00:09:29.810 align:start position:0%
release in our system what we found is
that<00:09:28.410><c> people</c><00:09:28.530><c> would</c><00:09:28.860><c> rather</c><00:09:29.040><c> in</c><00:09:29.460><c> something</c>

00:09:29.810 --> 00:09:29.820 align:start position:0%
that people would rather in something
 

00:09:29.820 --> 00:09:32.900 align:start position:0%
that people would rather in something
that<00:09:29.850><c> they</c><00:09:30.180><c> pass</c><00:09:31.070><c> the</c><00:09:32.070><c> start</c><00:09:32.400><c> of</c><00:09:32.490><c> it</c><00:09:32.580><c> and</c><00:09:32.790><c> the</c>

00:09:32.900 --> 00:09:32.910 align:start position:0%
that they pass the start of it and the
 

00:09:32.910 --> 00:09:34.460 align:start position:0%
that they pass the start of it and the
cost<00:09:33.090><c> of</c><00:09:33.150><c> the</c><00:09:33.240><c> vendor</c><00:09:33.570><c> blue</c><00:09:33.960><c> chamber</c><00:09:34.170><c> even</c>

00:09:34.460 --> 00:09:34.470 align:start position:0%
cost of the vendor blue chamber even
 

00:09:34.470 --> 00:09:37.130 align:start position:0%
cost of the vendor blue chamber even
targeting<00:09:35.070><c> for</c><00:09:35.520><c> this</c><00:09:36.450><c> is</c><00:09:36.570><c> exactly</c><00:09:36.720><c> what</c><00:09:37.080><c> we</c>

00:09:37.130 --> 00:09:37.140 align:start position:0%
targeting for this is exactly what we
 

00:09:37.140 --> 00:09:39.560 align:start position:0%
targeting for this is exactly what we
saw<00:09:37.290><c> for</c><00:09:37.980><c> very</c><00:09:38.130><c> obvious</c><00:09:38.250><c> reasons</c><00:09:38.550><c> it's</c><00:09:39.120><c> not</c><00:09:39.390><c> by</c>

00:09:39.560 --> 00:09:39.570 align:start position:0%
saw for very obvious reasons it's not by
 

00:09:39.570 --> 00:09:44.380 align:start position:0%
saw for very obvious reasons it's not by
real<00:09:39.810><c> things</c><00:09:42.260><c> now</c><00:09:43.260><c> because</c><00:09:43.800><c> they're</c><00:09:44.040><c> just</c>

00:09:44.380 --> 00:09:44.390 align:start position:0%
real things now because they're just
 

00:09:44.390 --> 00:09:47.420 align:start position:0%
real things now because they're just
Arabic<00:09:45.390><c> numbers</c><00:09:45.720><c> so</c><00:09:46.200><c> it</c><00:09:46.560><c> takes</c><00:09:46.860><c> us</c><00:09:47.010><c> into</c><00:09:47.310><c> the</c>

00:09:47.420 --> 00:09:47.430 align:start position:0%
Arabic numbers so it takes us into the
 

00:09:47.430 --> 00:09:48.770 align:start position:0%
Arabic numbers so it takes us into the
impression<00:09:47.940><c> that</c><00:09:47.970><c> we're</c><00:09:48.330><c> working</c><00:09:48.450><c> with</c><00:09:48.690><c> the</c>

00:09:48.770 --> 00:09:48.780 align:start position:0%
impression that we're working with the
 

00:09:48.780 --> 00:09:50.210 align:start position:0%
impression that we're working with the
concept<00:09:49.110><c> that's</c><00:09:49.200><c> really</c><00:09:49.470><c> really</c><00:09:49.620><c> universal</c>

00:09:50.210 --> 00:09:50.220 align:start position:0%
concept that's really really universal
 

00:09:50.220 --> 00:09:52.910 align:start position:0%
concept that's really really universal
but<00:09:51.060><c> for</c><00:09:51.360><c> people</c><00:09:51.600><c> with</c><00:09:51.690><c> lower</c><00:09:51.870><c> literacy</c><00:09:52.110><c> who</c>

00:09:52.910 --> 00:09:52.920 align:start position:0%
but for people with lower literacy who
 

00:09:52.920 --> 00:09:54.170 align:start position:0%
but for people with lower literacy who
were<00:09:53.040><c> not</c><00:09:53.190><c> so</c><00:09:53.340><c> used</c><00:09:53.640><c> to</c><00:09:53.760><c> these</c><00:09:53.940><c> so-called</c>

00:09:54.170 --> 00:09:54.180 align:start position:0%
were not so used to these so-called
 

00:09:54.180 --> 00:09:55.250 align:start position:0%
were not so used to these so-called
Arabic<00:09:54.720><c> numerals</c>

00:09:55.250 --> 00:09:55.260 align:start position:0%
Arabic numerals
 

00:09:55.260 --> 00:09:57.590 align:start position:0%
Arabic numerals
it's<00:09:55.620><c> pretty</c><00:09:55.920><c> much</c><00:09:56.040><c> of</c><00:09:56.220><c> a</c><00:09:56.340><c> impossible</c><00:09:57.300><c> concept</c>

00:09:57.590 --> 00:09:57.600 align:start position:0%
it's pretty much of a impossible concept
 

00:09:57.600 --> 00:10:00.830 align:start position:0%
it's pretty much of a impossible concept
obtained<00:09:58.110><c> by</c><00:09:58.530><c> taking</c><00:09:58.770><c> a</c><00:09:59.280><c> memorizer</c><00:09:59.880><c> to</c>

00:10:00.830 --> 00:10:00.840 align:start position:0%
obtained by taking a memorizer to
 

00:10:00.840 --> 00:10:02.930 align:start position:0%
obtained by taking a memorizer to
illustrate<00:10:01.200><c> the</c><00:10:01.290><c> supply</c><00:10:01.590><c> here's</c><00:10:02.280><c> what</c><00:10:02.460><c> actual</c>

00:10:02.930 --> 00:10:02.940 align:start position:0%
illustrate the supply here's what actual
 

00:10:02.940 --> 00:10:05.990 align:start position:0%
illustrate the supply here's what actual
Arabic<00:10:03.420><c> numerals</c><00:10:03.930><c> look</c><00:10:04.110><c> like</c><00:10:04.290><c> so</c><00:10:05.130><c> even</c><00:10:05.670><c> though</c>

00:10:05.990 --> 00:10:06.000 align:start position:0%
Arabic numerals look like so even though
 

00:10:06.000 --> 00:10:07.850 align:start position:0%
Arabic numerals look like so even though
the<00:10:06.270><c> numbers</c><00:10:06.540><c> that</c><00:10:06.660><c> you</c><00:10:06.840><c> and</c><00:10:06.990><c> I</c><00:10:07.050><c> use</c><00:10:07.410><c> on</c><00:10:07.710><c> an</c>

00:10:07.850 --> 00:10:07.860 align:start position:0%
the numbers that you and I use on an
 

00:10:07.860 --> 00:10:09.440 align:start position:0%
the numbers that you and I use on an
everyday<00:10:07.950><c> basis</c><00:10:08.490><c> especially</c><00:10:08.550><c> based</c><00:10:09.090><c> on</c><00:10:09.330><c> this</c>

00:10:09.440 --> 00:10:09.450 align:start position:0%
everyday basis especially based on this
 

00:10:09.450 --> 00:10:11.840 align:start position:0%
everyday basis especially based on this
number<00:10:09.630><c> set</c><00:10:10.310><c> try</c><00:10:11.310><c> to</c><00:10:11.370><c> remember</c>

00:10:11.840 --> 00:10:11.850 align:start position:0%
number set try to remember
 

00:10:11.850 --> 00:10:15.560 align:start position:0%
number set try to remember
in<00:10:12.350><c> some</c><00:10:13.350><c> of</c><00:10:13.470><c> you</c><00:10:13.560><c> guys</c><00:10:13.760><c> really</c><00:10:14.760><c> really</c><00:10:15.330><c> really</c>

00:10:15.560 --> 00:10:15.570 align:start position:0%
in some of you guys really really really
 

00:10:15.570 --> 00:10:20.510 align:start position:0%
in some of you guys really really really
hard<00:10:18.470><c> so</c><00:10:19.470><c> this</c><00:10:19.680><c> is</c><00:10:19.800><c> where</c><00:10:19.980><c> we</c><00:10:20.130><c> need</c><00:10:20.280><c> to</c><00:10:20.310><c> start</c>

00:10:20.510 --> 00:10:20.520 align:start position:0%
hard so this is where we need to start
 

00:10:20.520 --> 00:10:23.300 align:start position:0%
hard so this is where we need to start
to<00:10:20.910><c> check</c><00:10:21.150><c> our</c><00:10:21.780><c> assumptions</c><00:10:22.230><c> and</c><00:10:22.740><c> revisit</c>

00:10:23.300 --> 00:10:23.310 align:start position:0%
to check our assumptions and revisit
 

00:10:23.310 --> 00:10:26.810 align:start position:0%
to check our assumptions and revisit
them<00:10:23.490><c> and</c><00:10:24.330><c> really</c><00:10:24.840><c> challenge</c><00:10:25.430><c> with</c><00:10:26.430><c> why</c><00:10:26.760><c> do</c>

00:10:26.810 --> 00:10:26.820 align:start position:0%
them and really challenge with why do
 

00:10:26.820 --> 00:10:27.769 align:start position:0%
them and really challenge with why do
you<00:10:27.030><c> think</c><00:10:27.210><c> we</c><00:10:27.450><c> are</c>

00:10:27.769 --> 00:10:27.779 align:start position:0%
you think we are
 

00:10:27.779 --> 00:10:30.920 align:start position:0%
you think we are
to<00:10:28.350><c> decide</c><00:10:28.680><c> on</c><00:10:28.949><c> behalf</c><00:10:29.310><c> of</c><00:10:29.639><c> someone</c><00:10:30.240><c> else</c><00:10:30.600><c> and</c>

00:10:30.920 --> 00:10:30.930 align:start position:0%
to decide on behalf of someone else and
 

00:10:30.930 --> 00:10:32.989 align:start position:0%
to decide on behalf of someone else and
to<00:10:30.990><c> speak</c><00:10:31.529><c> and</c><00:10:31.740><c> replace</c><00:10:32.160><c> their</c><00:10:32.430><c> voice</c><00:10:32.699><c> in</c><00:10:32.970><c> the</c>

00:10:32.989 --> 00:10:32.999 align:start position:0%
to speak and replace their voice in the
 

00:10:32.999 --> 00:10:35.480 align:start position:0%
to speak and replace their voice in the
process<00:10:33.170><c> the</c><00:10:34.170><c> reality</c><00:10:34.649><c> is</c><00:10:34.769><c> that</c><00:10:34.800><c> the</c><00:10:35.100><c> way</c><00:10:35.249><c> that</c>

00:10:35.480 --> 00:10:35.490 align:start position:0%
process the reality is that the way that
 

00:10:35.490 --> 00:10:37.460 align:start position:0%
process the reality is that the way that
the<00:10:35.610><c> global</c><00:10:35.999><c> financial</c><00:10:36.360><c> system</c><00:10:36.749><c> and</c><00:10:37.230><c> its</c>

00:10:37.460 --> 00:10:37.470 align:start position:0%
the global financial system and its
 

00:10:37.470 --> 00:10:39.860 align:start position:0%
the global financial system and its
payment<00:10:37.920><c> instruments</c><00:10:38.610><c> function</c><00:10:39.389><c> does</c><00:10:39.660><c> not</c>

00:10:39.860 --> 00:10:39.870 align:start position:0%
payment instruments function does not
 

00:10:39.870 --> 00:10:42.230 align:start position:0%
payment instruments function does not
apply<00:10:40.259><c> to</c><00:10:40.620><c> many</c><00:10:40.949><c> many</c><00:10:41.220><c> people</c><00:10:41.310><c> in</c><00:10:41.759><c> developing</c>

00:10:42.230 --> 00:10:42.240 align:start position:0%
apply to many many people in developing
 

00:10:42.240 --> 00:10:44.840 align:start position:0%
apply to many many people in developing
countries<00:10:42.720><c> in</c><00:10:43.199><c> fact</c><00:10:43.829><c> it</c><00:10:44.069><c> doesn't</c><00:10:44.249><c> relate</c><00:10:44.639><c> to</c>

00:10:44.840 --> 00:10:44.850 align:start position:0%
countries in fact it doesn't relate to
 

00:10:44.850 --> 00:10:47.389 align:start position:0%
countries in fact it doesn't relate to
them<00:10:45.290><c> sometimes</c><00:10:46.290><c> it's</c><00:10:46.559><c> not</c><00:10:46.769><c> even</c><00:10:47.160><c> there</c>

00:10:47.389 --> 00:10:47.399 align:start position:0%
them sometimes it's not even there
 

00:10:47.399 --> 00:10:49.519 align:start position:0%
them sometimes it's not even there
people<00:10:47.639><c> don't</c><00:10:48.120><c> have</c><00:10:48.449><c> debit</c><00:10:48.689><c> cards</c><00:10:49.079><c> there's</c><00:10:49.319><c> no</c>

00:10:49.519 --> 00:10:49.529 align:start position:0%
people don't have debit cards there's no
 

00:10:49.529 --> 00:10:51.710 align:start position:0%
people don't have debit cards there's no
bank<00:10:49.860><c> there's</c><00:10:50.129><c> no</c><00:10:50.339><c> way</c><00:10:50.550><c> to</c><00:10:50.610><c> pay</c><00:10:50.939><c> and</c><00:10:51.240><c> sometimes</c>

00:10:51.710 --> 00:10:51.720 align:start position:0%
bank there's no way to pay and sometimes
 

00:10:51.720 --> 00:10:54.199 align:start position:0%
bank there's no way to pay and sometimes
those<00:10:51.959><c> payment</c><00:10:52.439><c> systems</c><00:10:52.829><c> are</c><00:10:53.100><c> there</c><00:10:53.399><c> but</c><00:10:54.089><c> they</c>

00:10:54.199 --> 00:10:54.209 align:start position:0%
those payment systems are there but they
 

00:10:54.209 --> 00:10:55.759 align:start position:0%
those payment systems are there but they
simply<00:10:54.600><c> don't</c><00:10:54.809><c> work</c><00:10:55.110><c> or</c><00:10:55.410><c> they're</c><00:10:55.589><c> too</c>

00:10:55.759 --> 00:10:55.769 align:start position:0%
simply don't work or they're too
 

00:10:55.769 --> 00:10:59.030 align:start position:0%
simply don't work or they're too
expensive<00:10:56.870><c> so</c><00:10:57.870><c> how</c><00:10:58.439><c> do</c><00:10:58.499><c> you</c><00:10:58.589><c> resolve</c><00:10:58.709><c> the</c>

00:10:59.030 --> 00:10:59.040 align:start position:0%
expensive so how do you resolve the
 

00:10:59.040 --> 00:11:00.069 align:start position:0%
expensive so how do you resolve the
security<00:10:59.430><c> issue</c>

00:11:00.069 --> 00:11:00.079 align:start position:0%
security issue
 

00:11:00.079 --> 00:11:03.170 align:start position:0%
security issue
we<00:11:01.079><c> explored</c><00:11:01.529><c> many</c><00:11:01.769><c> many</c><00:11:02.069><c> service</c><00:11:02.699><c> presidents</c>

00:11:03.170 --> 00:11:03.180 align:start position:0%
we explored many many service presidents
 

00:11:03.180 --> 00:11:05.929 align:start position:0%
we explored many many service presidents
like<00:11:03.360><c> symbols</c><00:11:04.050><c> will</c><00:11:04.350><c> come</c><00:11:04.740><c> as</c><00:11:04.889><c> waste</c><00:11:05.430><c> medicine</c>

00:11:05.929 --> 00:11:05.939 align:start position:0%
like symbols will come as waste medicine
 

00:11:05.939 --> 00:11:07.999 align:start position:0%
like symbols will come as waste medicine
all<00:11:06.059><c> right</c><00:11:06.180><c> easy</c><00:11:06.420><c> right</c><00:11:06.660><c> and</c><00:11:06.779><c> above</c><00:11:07.019><c> but</c>

00:11:07.999 --> 00:11:08.009 align:start position:0%
all right easy right and above but
 

00:11:08.009 --> 00:11:10.129 align:start position:0%
all right easy right and above but
ultimately<00:11:08.579><c> the</c><00:11:09.029><c> community</c><00:11:09.449><c> that</c><00:11:09.749><c> logic</c>

00:11:10.129 --> 00:11:10.139 align:start position:0%
ultimately the community that logic
 

00:11:10.139 --> 00:11:11.809 align:start position:0%
ultimately the community that logic
suggested<00:11:10.800><c> something</c><00:11:11.069><c> really</c><00:11:11.370><c> really</c><00:11:11.490><c> signal</c>

00:11:11.809 --> 00:11:11.819 align:start position:0%
suggested something really really signal
 

00:11:11.819 --> 00:11:14.660 align:start position:0%
suggested something really really signal
to<00:11:11.910><c> us</c><00:11:12.029><c> just</c><00:11:12.959><c> to</c><00:11:13.110><c> display</c><00:11:13.379><c> the</c><00:11:13.649><c> name</c><00:11:13.860><c> on</c><00:11:14.430><c> the</c>

00:11:14.660 --> 00:11:14.670 align:start position:0%
to us just to display the name on the
 

00:11:14.670 --> 00:11:16.460 align:start position:0%
to us just to display the name on the
bigglersport<00:11:15.059><c> cell</c><00:11:15.509><c> device</c><00:11:15.779><c> turning</c><00:11:16.170><c> hands</c>

00:11:16.460 --> 00:11:16.470 align:start position:0%
bigglersport cell device turning hands
 

00:11:16.470 --> 00:11:20.119 align:start position:0%
bigglersport cell device turning hands
and<00:11:16.860><c> check</c><00:11:17.100><c> it</c><00:11:17.249><c> now</c><00:11:18.029><c> this</c><00:11:19.019><c> seems</c><00:11:19.259><c> trivial</c><00:11:19.800><c> so</c>

00:11:20.119 --> 00:11:20.129 align:start position:0%
and check it now this seems trivial so
 

00:11:20.129 --> 00:11:23.059 align:start position:0%
and check it now this seems trivial so
why<00:11:20.490><c> is</c><00:11:20.550><c> it</c><00:11:20.699><c> so</c><00:11:20.850><c> effective</c><00:11:21.589><c> so</c><00:11:22.589><c> the</c><00:11:22.709><c> reason</c>

00:11:23.059 --> 00:11:23.069 align:start position:0%
why is it so effective so the reason
 

00:11:23.069 --> 00:11:25.129 align:start position:0%
why is it so effective so the reason
this<00:11:23.189><c> works</c><00:11:23.459><c> is</c><00:11:23.730><c> because</c><00:11:23.790><c> it</c><00:11:24.389><c> mimics</c><00:11:24.660><c> the</c><00:11:25.110><c> way</c>

00:11:25.129 --> 00:11:25.139 align:start position:0%
this works is because it mimics the way
 

00:11:25.139 --> 00:11:27.499 align:start position:0%
this works is because it mimics the way
that<00:11:25.529><c> transactions</c><00:11:26.279><c> are</c><00:11:26.579><c> actually</c><00:11:27.059><c> secured</c>

00:11:27.499 --> 00:11:27.509 align:start position:0%
that transactions are actually secured
 

00:11:27.509 --> 00:11:29.749 align:start position:0%
that transactions are actually secured
in<00:11:27.660><c> these</c><00:11:27.839><c> communities</c><00:11:28.410><c> especially</c><00:11:29.249><c> at</c><00:11:29.639><c> the</c>

00:11:29.749 --> 00:11:29.759 align:start position:0%
in these communities especially at the
 

00:11:29.759 --> 00:11:32.119 align:start position:0%
in these communities especially at the
micro<00:11:30.149><c> level</c><00:11:30.209><c> so</c><00:11:30.959><c> speaking</c><00:11:31.379><c> at</c><00:11:31.529><c> the</c><00:11:31.740><c> village</c>

00:11:32.119 --> 00:11:32.129 align:start position:0%
micro level so speaking at the village
 

00:11:32.129 --> 00:11:34.269 align:start position:0%
micro level so speaking at the village
level<00:11:32.160><c> it's</c><00:11:32.790><c> actually</c><00:11:33.300><c> very</c><00:11:33.540><c> very</c><00:11:33.660><c> difficult</c>

00:11:34.269 --> 00:11:34.279 align:start position:0%
level it's actually very very difficult
 

00:11:34.279 --> 00:11:37.309 align:start position:0%
level it's actually very very difficult
to<00:11:35.279><c> use</c><00:11:35.519><c> somebody</c><00:11:35.970><c> else's</c><00:11:36.360><c> car</c><00:11:36.629><c> or</c><00:11:37.050><c> take</c>

00:11:37.309 --> 00:11:37.319 align:start position:0%
to use somebody else's car or take
 

00:11:37.319 --> 00:11:38.900 align:start position:0%
to use somebody else's car or take
somebody<00:11:37.709><c> else's</c><00:11:38.009><c> belongings</c><00:11:38.370><c> without</c>

00:11:38.900 --> 00:11:38.910 align:start position:0%
somebody else's belongings without
 

00:11:38.910 --> 00:11:41.569 align:start position:0%
somebody else's belongings without
either<00:11:39.899><c> the</c><00:11:40.199><c> vendor</c><00:11:40.559><c> or</c><00:11:40.949><c> somebody</c><00:11:41.430><c> else</c>

00:11:41.569 --> 00:11:41.579 align:start position:0%
either the vendor or somebody else
 

00:11:41.579 --> 00:11:42.079 align:start position:0%
either the vendor or somebody else
around

00:11:42.079 --> 00:11:42.089 align:start position:0%
around
 

00:11:42.089 --> 00:11:44.090 align:start position:0%
around
eventually<00:11:42.360><c> saying</c><00:11:42.839><c> that</c><00:11:43.050><c> is</c><00:11:43.170><c> not</c><00:11:43.379><c> you</c><00:11:43.620><c> or</c>

00:11:44.090 --> 00:11:44.100 align:start position:0%
eventually saying that is not you or
 

00:11:44.100 --> 00:11:45.290 align:start position:0%
eventually saying that is not you or
that<00:11:44.339><c> is</c><00:11:44.459><c> not</c><00:11:44.670><c> him</c>

00:11:45.290 --> 00:11:45.300 align:start position:0%
that is not him
 

00:11:45.300 --> 00:11:48.139 align:start position:0%
that is not him
that's<00:11:45.899><c> not</c><00:11:46.139><c> his</c><00:11:46.350><c> or</c><00:11:46.680><c> that</c><00:11:46.860><c> is</c><00:11:46.980><c> not</c><00:11:47.160><c> hers</c><00:11:47.459><c> those</c>

00:11:48.139 --> 00:11:48.149 align:start position:0%
that's not his or that is not hers those
 

00:11:48.149 --> 00:11:50.269 align:start position:0%
that's not his or that is not hers those
systems<00:11:48.629><c> of</c><00:11:48.779><c> accountability</c><00:11:49.019><c> are</c><00:11:49.649><c> in</c><00:11:49.800><c> place</c>

00:11:50.269 --> 00:11:50.279 align:start position:0%
systems of accountability are in place
 

00:11:50.279 --> 00:11:51.530 align:start position:0%
systems of accountability are in place
for<00:11:50.579><c> somebody</c><00:11:50.759><c> who</c><00:11:50.970><c> wants</c><00:11:51.209><c> to</c><00:11:51.269><c> steal</c>

00:11:51.530 --> 00:11:51.540 align:start position:0%
for somebody who wants to steal
 

00:11:51.540 --> 00:11:53.030 align:start position:0%
for somebody who wants to steal
something<00:11:51.870><c> eventually</c><00:11:52.319><c> they're</c><00:11:52.769><c> going</c><00:11:52.949><c> to</c>

00:11:53.030 --> 00:11:53.040 align:start position:0%
something eventually they're going to
 

00:11:53.040 --> 00:11:54.739 align:start position:0%
something eventually they're going to
meet<00:11:53.189><c> a</c><00:11:53.249><c> relative</c><00:11:53.759><c> of</c><00:11:54.240><c> the</c><00:11:54.389><c> person</c><00:11:54.720><c> that</c>

00:11:54.739 --> 00:11:54.749 align:start position:0%
meet a relative of the person that
 

00:11:54.749 --> 00:11:58.429 align:start position:0%
meet a relative of the person that
extraordinary<00:11:55.939><c> so</c><00:11:56.939><c> case</c><00:11:57.180><c> in</c><00:11:57.389><c> point</c><00:11:57.629><c> in</c><00:11:57.930><c> final</c>

00:11:58.429 --> 00:11:58.439 align:start position:0%
extraordinary so case in point in final
 

00:11:58.439 --> 00:12:00.439 align:start position:0%
extraordinary so case in point in final
art<00:11:58.559><c> we've</c><00:11:58.920><c> done</c><00:11:59.160><c> nationwide</c><00:11:59.449><c> feasibility</c>

00:12:00.439 --> 00:12:00.449 align:start position:0%
art we've done nationwide feasibility
 

00:12:00.449 --> 00:12:02.840 align:start position:0%
art we've done nationwide feasibility
studies<00:12:00.870><c> to</c><00:12:01.050><c> actually</c><00:12:01.170><c> assess</c><00:12:01.800><c> if</c><00:12:02.189><c> payment</c>

00:12:02.840 --> 00:12:02.850 align:start position:0%
studies to actually assess if payment
 

00:12:02.850 --> 00:12:04.790 align:start position:0%
studies to actually assess if payment
systems<00:12:03.269><c> as</c><00:12:03.509><c> a</c><00:12:03.569><c> mode</c><00:12:03.899><c> of</c><00:12:03.930><c> response</c><00:12:04.470><c> is</c>

00:12:04.790 --> 00:12:04.800 align:start position:0%
systems as a mode of response is
 

00:12:04.800 --> 00:12:07.309 align:start position:0%
systems as a mode of response is
possible<00:12:05.339><c> and</c><00:12:05.519><c> in</c><00:12:06.059><c> so</c><00:12:06.300><c> doing</c><00:12:06.329><c> we</c><00:12:06.779><c> consulted</c>

00:12:07.309 --> 00:12:07.319 align:start position:0%
possible and in so doing we consulted
 

00:12:07.319 --> 00:12:08.569 align:start position:0%
possible and in so doing we consulted
with<00:12:07.470><c> some</c><00:12:07.680><c> of</c><00:12:07.769><c> these</c><00:12:07.889><c> vault</c><00:12:08.160><c> with</c><00:12:08.370><c> small</c>

00:12:08.569 --> 00:12:08.579 align:start position:0%
with some of these vault with small
 

00:12:08.579 --> 00:12:10.819 align:start position:0%
with some of these vault with small
vendors<00:12:08.970><c> that</c><00:12:09.120><c> we</c><00:12:09.269><c> work</c><00:12:09.420><c> with</c><00:12:09.600><c> now</c><00:12:09.809><c> and</c><00:12:10.589><c> what</c>

00:12:10.819 --> 00:12:10.829 align:start position:0%
vendors that we work with now and what
 

00:12:10.829 --> 00:12:13.100 align:start position:0%
vendors that we work with now and what
they<00:12:10.949><c> do</c><00:12:11.009><c> is</c><00:12:11.370><c> they</c><00:12:11.579><c> do</c><00:12:11.639><c> regularly</c><00:12:12.089><c> lend</c><00:12:12.839><c> money</c>

00:12:13.100 --> 00:12:13.110 align:start position:0%
they do is they do regularly lend money
 

00:12:13.110 --> 00:12:15.230 align:start position:0%
they do is they do regularly lend money
to<00:12:13.259><c> people</c><00:12:13.439><c> just</c><00:12:14.069><c> on</c><00:12:14.279><c> the</c><00:12:14.459><c> basis</c><00:12:14.850><c> of</c><00:12:14.879><c> knowing</c>

00:12:15.230 --> 00:12:15.240 align:start position:0%
to people just on the basis of knowing
 

00:12:15.240 --> 00:12:18.259 align:start position:0%
to people just on the basis of knowing
their<00:12:15.540><c> names</c><00:12:16.639><c> they're</c><00:12:17.639><c> lending</c><00:12:17.819><c> money</c><00:12:18.120><c> to</c>

00:12:18.259 --> 00:12:18.269 align:start position:0%
their names they're lending money to
 

00:12:18.269 --> 00:12:20.090 align:start position:0%
their names they're lending money to
people<00:12:18.449><c> on</c><00:12:18.930><c> the</c><00:12:19.019><c> basis</c><00:12:19.379><c> of</c><00:12:19.529><c> knowing</c><00:12:19.889><c> their</c>

00:12:20.090 --> 00:12:20.100 align:start position:0%
people on the basis of knowing their
 

00:12:20.100 --> 00:12:22.759 align:start position:0%
people on the basis of knowing their
customers<00:12:20.639><c> so</c><00:12:21.269><c> the</c><00:12:21.389><c> seats</c><00:12:21.689><c> of</c><00:12:21.899><c> the</c><00:12:22.019><c> vendors</c><00:12:22.410><c> at</c>

00:12:22.759 --> 00:12:22.769 align:start position:0%
customers so the seats of the vendors at
 

00:12:22.769 --> 00:12:24.470 align:start position:0%
customers so the seats of the vendors at
the<00:12:23.009><c> community</c><00:12:23.430><c> level</c><00:12:23.459><c> are</c><00:12:23.910><c> actually</c><00:12:24.269><c> doing</c>

00:12:24.470 --> 00:12:24.480 align:start position:0%
the community level are actually doing
 

00:12:24.480 --> 00:12:27.259 align:start position:0%
the community level are actually doing
kyc<00:12:25.259><c> and</c><00:12:25.439><c> they're</c><00:12:26.100><c> able</c><00:12:26.249><c> to</c><00:12:26.430><c> cross</c><00:12:26.759><c> check</c><00:12:26.790><c> and</c>

00:12:27.259 --> 00:12:27.269 align:start position:0%
kyc and they're able to cross check and
 

00:12:27.269 --> 00:12:29.239 align:start position:0%
kyc and they're able to cross check and
verify<00:12:27.420><c> that</c><00:12:27.720><c> information</c><00:12:28.110><c> in</c><00:12:28.709><c> leveraging</c>

00:12:29.239 --> 00:12:29.249 align:start position:0%
verify that information in leveraging
 

00:12:29.249 --> 00:12:30.769 align:start position:0%
verify that information in leveraging
their<00:12:29.430><c> relationships</c><00:12:30.089><c> with</c><00:12:30.329><c> people</c><00:12:30.509><c> in</c><00:12:30.689><c> the</c>

00:12:30.769 --> 00:12:30.779 align:start position:0%
their relationships with people in the
 

00:12:30.779 --> 00:12:34.460 align:start position:0%
their relationships with people in the
communities<00:12:31.290><c> around</c><00:12:31.649><c> them</c><00:12:32.870><c> now</c><00:12:33.870><c> block</c><00:12:34.170><c> to</c><00:12:34.319><c> you</c>

00:12:34.460 --> 00:12:34.470 align:start position:0%
communities around them now block to you
 

00:12:34.470 --> 00:12:36.619 align:start position:0%
communities around them now block to you
as<00:12:34.620><c> it's</c><00:12:34.829><c> currently</c><00:12:35.129><c> designed</c><00:12:35.730><c> is</c><00:12:36.029><c> opera</c><00:12:36.420><c> is</c>

00:12:36.619 --> 00:12:36.629 align:start position:0%
as it's currently designed is opera is
 

00:12:36.629 --> 00:12:38.889 align:start position:0%
as it's currently designed is opera is
really<00:12:37.199><c> optimized</c><00:12:37.709><c> for</c><00:12:38.009><c> trustless</c>

00:12:38.889 --> 00:12:38.899 align:start position:0%
really optimized for trustless
 

00:12:38.899 --> 00:12:42.170 align:start position:0%
really optimized for trustless
environments<00:12:39.899><c> and</c><00:12:40.110><c> I</c><00:12:41.040><c> think</c><00:12:41.670><c> we</c><00:12:41.850><c> need</c><00:12:41.999><c> to</c>

00:12:42.170 --> 00:12:42.180 align:start position:0%
environments and I think we need to
 

00:12:42.180 --> 00:12:44.809 align:start position:0%
environments and I think we need to
interrogate<00:12:42.480><c> this</c><00:12:42.930><c> a</c><00:12:42.990><c> little</c><00:12:43.290><c> bit</c><00:12:43.559><c> because</c><00:12:44.189><c> in</c>

00:12:44.809 --> 00:12:44.819 align:start position:0%
interrogate this a little bit because in
 

00:12:44.819 --> 00:12:47.540 align:start position:0%
interrogate this a little bit because in
my<00:12:45.149><c> world</c><00:12:45.449><c> where</c><00:12:46.050><c> I</c><00:12:46.079><c> live</c><00:12:46.410><c> where</c><00:12:46.889><c> I</c><00:12:46.920><c> work</c><00:12:47.220><c> where</c>

00:12:47.540 --> 00:12:47.550 align:start position:0%
my world where I live where I work where
 

00:12:47.550 --> 00:12:49.610 align:start position:0%
my world where I live where I work where
many<00:12:47.850><c> of</c><00:12:48.059><c> the</c><00:12:48.209><c> billions</c><00:12:48.569><c> of</c><00:12:48.689><c> the</c><00:12:48.839><c> world</c><00:12:49.019><c> live</c>

00:12:49.610 --> 00:12:49.620 align:start position:0%
many of the billions of the world live
 

00:12:49.620 --> 00:12:52.009 align:start position:0%
many of the billions of the world live
and<00:12:49.920><c> work</c><00:12:50.100><c> financial</c><00:12:50.730><c> security</c><00:12:51.209><c> is</c><00:12:51.300><c> far</c><00:12:51.720><c> more</c>

00:12:52.009 --> 00:12:52.019 align:start position:0%
and work financial security is far more
 

00:12:52.019 --> 00:12:54.619 align:start position:0%
and work financial security is far more
of<00:12:52.350><c> enhancing</c><00:12:53.220><c> existing</c><00:12:53.370><c> social</c><00:12:54.029><c> frameworks</c>

00:12:54.619 --> 00:12:54.629 align:start position:0%
of enhancing existing social frameworks
 

00:12:54.629 --> 00:12:57.199 align:start position:0%
of enhancing existing social frameworks
of<00:12:54.809><c> trusts</c><00:12:55.259><c> so</c><00:12:56.040><c> really</c><00:12:56.370><c> relying</c><00:12:56.759><c> on</c><00:12:56.999><c> those</c>

00:12:57.199 --> 00:12:57.209 align:start position:0%
of trusts so really relying on those
 

00:12:57.209 --> 00:12:59.569 align:start position:0%
of trusts so really relying on those
that<00:12:57.569><c> you</c><00:12:57.660><c> can</c><00:12:57.870><c> trust</c><00:12:58.139><c> as</c><00:12:58.499><c> opposed</c><00:12:59.370><c> to</c>

00:12:59.569 --> 00:12:59.579 align:start position:0%
that you can trust as opposed to
 

00:12:59.579 --> 00:13:03.530 align:start position:0%
that you can trust as opposed to
operating<00:13:00.329><c> in</c><00:13:00.629><c> trustless</c><00:13:01.259><c> vacuum</c><00:13:02.329><c> so</c><00:13:03.329><c> this</c>

00:13:03.530 --> 00:13:03.540 align:start position:0%
operating in trustless vacuum so this
 

00:13:03.540 --> 00:13:05.749 align:start position:0%
operating in trustless vacuum so this
isn't<00:13:03.779><c> to</c><00:13:03.990><c> say</c><00:13:04.259><c> that</c><00:13:04.290><c> blockchain</c><00:13:04.980><c> doesn't</c>

00:13:05.749 --> 00:13:05.759 align:start position:0%
isn't to say that blockchain doesn't
 

00:13:05.759 --> 00:13:08.629 align:start position:0%
isn't to say that blockchain doesn't
help<00:13:05.999><c> what</c><00:13:06.990><c> we</c><00:13:07.139><c> have</c><00:13:07.379><c> is</c><00:13:07.620><c> a</c><00:13:07.649><c> secure</c><00:13:08.129><c> framework</c>

00:13:08.629 --> 00:13:08.639 align:start position:0%
help what we have is a secure framework
 

00:13:08.639 --> 00:13:10.970 align:start position:0%
help what we have is a secure framework
that<00:13:08.910><c> can</c><00:13:09.089><c> enable</c><00:13:09.480><c> social</c><00:13:09.929><c> models</c><00:13:10.499><c> of</c><00:13:10.649><c> trust</c>

00:13:10.970 --> 00:13:10.980 align:start position:0%
that can enable social models of trust
 

00:13:10.980 --> 00:13:13.730 align:start position:0%
that can enable social models of trust
to<00:13:11.550><c> flourish</c><00:13:12.029><c> and</c><00:13:12.480><c> to</c><00:13:12.839><c> expand</c><00:13:13.350><c> by</c>

00:13:13.730 --> 00:13:13.740 align:start position:0%
to flourish and to expand by
 

00:13:13.740 --> 00:13:15.739 align:start position:0%
to flourish and to expand by
accelerating<00:13:14.490><c> the</c><00:13:14.819><c> exchange</c><00:13:15.209><c> of</c><00:13:15.420><c> value</c>

00:13:15.739 --> 00:13:15.749 align:start position:0%
accelerating the exchange of value
 

00:13:15.749 --> 00:13:17.900 align:start position:0%
accelerating the exchange of value
amongst<00:13:16.259><c> in-between</c><00:13:16.800><c> people</c><00:13:17.220><c> at</c><00:13:17.519><c> the</c>

00:13:17.900 --> 00:13:17.910 align:start position:0%
amongst in-between people at the
 

00:13:17.910 --> 00:13:19.660 align:start position:0%
amongst in-between people at the
community<00:13:18.329><c> level</c><00:13:18.360><c> but</c><00:13:18.990><c> at</c><00:13:19.110><c> the</c><00:13:19.139><c> same</c>

00:13:19.660 --> 00:13:19.670 align:start position:0%
community level but at the same
 

00:13:19.670 --> 00:13:22.630 align:start position:0%
community level but at the same
eliminating<00:13:20.390><c> the</c><00:13:20.450><c> capacity</c><00:13:21.080><c> of</c><00:13:21.620><c> those</c><00:13:22.160><c> people</c>

00:13:22.630 --> 00:13:22.640 align:start position:0%
eliminating the capacity of those people
 

00:13:22.640 --> 00:13:24.580 align:start position:0%
eliminating the capacity of those people
to<00:13:22.820><c> be</c><00:13:22.940><c> able</c><00:13:23.030><c> to</c><00:13:23.270><c> abuse</c><00:13:23.570><c> each</c><00:13:23.960><c> other's</c><00:13:24.290><c> trust</c>

00:13:24.580 --> 00:13:24.590 align:start position:0%
to be able to abuse each other's trust
 

00:13:24.590 --> 00:13:27.070 align:start position:0%
to be able to abuse each other's trust
now<00:13:25.550><c> what</c><00:13:25.700><c> this</c><00:13:25.820><c> means</c><00:13:25.880><c> is</c><00:13:26.330><c> that</c><00:13:26.360><c> we</c><00:13:26.630><c> can</c><00:13:26.810><c> start</c>

00:13:27.070 --> 00:13:27.080 align:start position:0%
now what this means is that we can start
 

00:13:27.080 --> 00:13:29.260 align:start position:0%
now what this means is that we can start
to<00:13:27.230><c> bridge</c><00:13:27.470><c> the</c><00:13:27.740><c> gap</c><00:13:27.950><c> between</c><00:13:28.250><c> local</c><00:13:29.240><c> and</c>

00:13:29.260 --> 00:13:29.270 align:start position:0%
to bridge the gap between local and
 

00:13:29.270 --> 00:13:32.800 align:start position:0%
to bridge the gap between local and
international<00:13:29.900><c> miles</c><00:13:30.860><c> of</c><00:13:30.950><c> Commerce</c><00:13:31.450><c> by</c><00:13:32.450><c> using</c>

00:13:32.800 --> 00:13:32.810 align:start position:0%
international miles of Commerce by using
 

00:13:32.810 --> 00:13:34.540 align:start position:0%
international miles of Commerce by using
systems<00:13:33.320><c> that</c><00:13:33.590><c> are</c><00:13:33.680><c> adapted</c><00:13:34.130><c> to</c><00:13:34.160><c> the</c><00:13:34.400><c> way</c>

00:13:34.540 --> 00:13:34.550 align:start position:0%
systems that are adapted to the way
 

00:13:34.550 --> 00:13:37.000 align:start position:0%
systems that are adapted to the way
people<00:13:34.580><c> behave</c><00:13:35.530><c> communities</c><00:13:36.530><c> are</c><00:13:36.740><c> more</c>

00:13:37.000 --> 00:13:37.010 align:start position:0%
people behave communities are more
 

00:13:37.010 --> 00:13:39.280 align:start position:0%
people behave communities are more
decentralized<00:13:37.570><c> than</c><00:13:38.570><c> what</c><00:13:38.750><c> we're</c><00:13:38.930><c> used</c><00:13:38.960><c> to</c>

00:13:39.280 --> 00:13:39.290 align:start position:0%
decentralized than what we're used to
 

00:13:39.290 --> 00:13:41.380 align:start position:0%
decentralized than what we're used to
dealing<00:13:39.500><c> with</c><00:13:39.710><c> but</c><00:13:40.130><c> it's</c><00:13:40.280><c> not</c><00:13:40.550><c> always</c><00:13:40.880><c> in</c><00:13:41.180><c> the</c>

00:13:41.380 --> 00:13:41.390 align:start position:0%
dealing with but it's not always in the
 

00:13:41.390 --> 00:13:45.040 align:start position:0%
dealing with but it's not always in the
ways<00:13:41.600><c> that</c><00:13:41.630><c> we</c><00:13:41.960><c> would</c><00:13:42.230><c> expect</c><00:13:43.450><c> sir</c><00:13:44.450><c> in</c><00:13:44.720><c> Japan</c>

00:13:45.040 --> 00:13:45.050 align:start position:0%
ways that we would expect sir in Japan
 

00:13:45.050 --> 00:13:50.170 align:start position:0%
ways that we would expect sir in Japan
and<00:13:45.320><c> a</c><00:13:45.560><c> number</c><00:13:45.830><c> that</c><00:13:45.980><c> I'd</c><00:13:46.190><c> like</c><00:13:46.370><c> to</c><00:13:49.180><c> the</c>

00:13:50.170 --> 00:13:50.180 align:start position:0%
and a number that I'd like to the
 

00:13:50.180 --> 00:13:51.550 align:start position:0%
and a number that I'd like to the
reality<00:13:50.600><c> is</c><00:13:50.660><c> that</c><00:13:50.810><c> if</c><00:13:50.930><c> you</c><00:13:51.050><c> want</c><00:13:51.200><c> to</c><00:13:51.260><c> live</c><00:13:51.380><c> in</c><00:13:51.500><c> a</c>

00:13:51.550 --> 00:13:51.560 align:start position:0%
reality is that if you want to live in a
 

00:13:51.560 --> 00:13:53.470 align:start position:0%
reality is that if you want to live in a
country<00:13:51.710><c> you</c><00:13:52.010><c> need</c><00:13:52.130><c> to</c><00:13:52.340><c> imply</c><00:13:52.610><c> a</c><00:13:52.640><c> loss</c><00:13:52.940><c> with</c>

00:13:53.470 --> 00:13:53.480 align:start position:0%
country you need to imply a loss with
 

00:13:53.480 --> 00:13:55.240 align:start position:0%
country you need to imply a loss with
the<00:13:53.720><c> regulatory</c><00:13:54.110><c> expectations</c><00:13:54.590><c> for</c><00:13:55.130><c> the</c>

00:13:55.240 --> 00:13:55.250 align:start position:0%
the regulatory expectations for the
 

00:13:55.250 --> 00:13:58.630 align:start position:0%
the regulatory expectations for the
authorities<00:13:55.640><c> there</c><00:13:56.410><c> cynnwys</c><00:13:57.410><c> knows</c><00:13:58.010><c> this</c><00:13:58.340><c> the</c>

00:13:58.630 --> 00:13:58.640 align:start position:0%
authorities there cynnwys knows this the
 

00:13:58.640 --> 00:13:59.470 align:start position:0%
authorities there cynnwys knows this the
hard<00:13:58.910><c> way</c>

00:13:59.470 --> 00:13:59.480 align:start position:0%
hard way
 

00:13:59.480 --> 00:14:01.750 align:start position:0%
hard way
Wibbly<00:14:00.110><c> had</c><00:14:00.470><c> to</c><00:14:00.650><c> be</c><00:14:00.770><c> Memphis</c><00:14:01.070><c> for</c><00:14:01.310><c> us</c><00:14:01.460><c> like</c>

00:14:01.750 --> 00:14:01.760 align:start position:0%
Wibbly had to be Memphis for us like
 

00:14:01.760 --> 00:14:03.490 align:start position:0%
Wibbly had to be Memphis for us like
that's<00:14:02.000><c> his</c><00:14:02.270><c> blood</c><00:14:02.570><c> who</c><00:14:02.780><c> live</c><00:14:02.930><c> it</c><00:14:03.020><c> up</c><00:14:03.080><c> we're</c>

00:14:03.490 --> 00:14:03.500 align:start position:0%
that's his blood who live it up we're
 

00:14:03.500 --> 00:14:04.900 align:start position:0%
that's his blood who live it up we're
trying<00:14:03.740><c> to</c><00:14:03.800><c> push</c><00:14:03.920><c> those</c><00:14:04.070><c> batteries</c><00:14:04.460><c> too</c><00:14:04.640><c> far</c>

00:14:04.900 --> 00:14:04.910 align:start position:0%
trying to push those batteries too far
 

00:14:04.910 --> 00:14:07.360 align:start position:0%
trying to push those batteries too far
and<00:14:05.690><c> ultimately</c><00:14:06.080><c> our</c><00:14:06.350><c> actions</c><00:14:06.860><c> don't</c><00:14:07.130><c> just</c>

00:14:07.360 --> 00:14:07.370 align:start position:0%
and ultimately our actions don't just
 

00:14:07.370 --> 00:14:09.340 align:start position:0%
and ultimately our actions don't just
affect<00:14:07.490><c> our</c><00:14:07.880><c> company</c><00:14:08.270><c> but</c><00:14:08.780><c> also</c><00:14:08.930><c> the</c><00:14:09.170><c> end</c>

00:14:09.340 --> 00:14:09.350 align:start position:0%
affect our company but also the end
 

00:14:09.350 --> 00:14:11.830 align:start position:0%
affect our company but also the end
users<00:14:09.770><c> who</c><00:14:10.610><c> unlike</c><00:14:11.060><c> us</c><00:14:11.270><c> don't</c><00:14:11.690><c> have</c><00:14:11.720><c> the</c>

00:14:11.830 --> 00:14:11.840 align:start position:0%
users who unlike us don't have the
 

00:14:11.840 --> 00:14:13.120 align:start position:0%
users who unlike us don't have the
privileges<00:14:12.260><c> that's</c><00:14:12.470><c> getting</c><00:14:12.860><c> out</c><00:14:12.920><c> of</c><00:14:13.070><c> the</c>

00:14:13.120 --> 00:14:13.130 align:start position:0%
privileges that's getting out of the
 

00:14:13.130 --> 00:14:14.680 align:start position:0%
privileges that's getting out of the
country<00:14:13.460><c> and</c><00:14:13.520><c> leading</c><00:14:13.730><c> so</c><00:14:14.450><c> this</c><00:14:14.570><c> is</c>

00:14:14.680 --> 00:14:14.690 align:start position:0%
country and leading so this is
 

00:14:14.690 --> 00:14:17.050 align:start position:0%
country and leading so this is
consequences<00:14:15.260><c> that</c><00:14:15.380><c> have</c><00:14:15.560><c> really</c><00:14:16.070><c> really</c><00:14:16.100><c> eek</c>

00:14:17.050 --> 00:14:17.060 align:start position:0%
consequences that have really really eek
 

00:14:17.060 --> 00:14:22.540 align:start position:0%
consequences that have really really eek
impressionists<00:14:19.540><c> yeah</c><00:14:21.130><c> knowing</c><00:14:22.130><c> who</c><00:14:22.370><c> is</c>

00:14:22.540 --> 00:14:22.550 align:start position:0%
impressionists yeah knowing who is
 

00:14:22.550 --> 00:14:24.160 align:start position:0%
impressionists yeah knowing who is
sitting<00:14:22.820><c> or</c><00:14:22.940><c> seeking</c><00:14:23.330><c> funds</c><00:14:23.540><c> is</c><00:14:23.720><c> a</c><00:14:23.750><c> deplorable</c>

00:14:24.160 --> 00:14:24.170 align:start position:0%
sitting or seeking funds is a deplorable
 

00:14:24.170 --> 00:14:25.660 align:start position:0%
sitting or seeking funds is a deplorable
of<00:14:24.500><c> a</c><00:14:24.560><c> lot</c><00:14:24.680><c> of</c><00:14:24.710><c> these</c><00:14:24.830><c> institutions</c><00:14:25.490><c> of</c><00:14:25.580><c> the</c>

00:14:25.660 --> 00:14:25.670 align:start position:0%
of a lot of these institutions of the
 

00:14:25.670 --> 00:14:28.060 align:start position:0%
of a lot of these institutions of the
thirties<00:14:25.940><c> path</c><00:14:26.180><c> you</c><00:14:26.840><c> need</c><00:14:26.960><c> to</c><00:14:27.170><c> assume</c><00:14:27.740><c> that</c><00:14:27.980><c> a</c>

00:14:28.060 --> 00:14:28.070 align:start position:0%
thirties path you need to assume that a
 

00:14:28.070 --> 00:14:29.590 align:start position:0%
thirties path you need to assume that a
person<00:14:28.100><c> sending</c><00:14:28.730><c> money</c><00:14:28.910><c> or</c><00:14:29.120><c> a</c><00:14:29.150><c> city</c><00:14:29.390><c> money</c>

00:14:29.590 --> 00:14:29.600 align:start position:0%
person sending money or a city money
 

00:14:29.600 --> 00:14:31.590 align:start position:0%
person sending money or a city money
isn't<00:14:29.990><c> part</c><00:14:30.230><c> of</c><00:14:30.260><c> the</c><00:14:30.380><c> duracell</c><00:14:31.010><c> for</c><00:14:31.250><c> instance</c>

00:14:31.590 --> 00:14:31.600 align:start position:0%
isn't part of the duracell for instance
 

00:14:31.600 --> 00:14:34.360 align:start position:0%
isn't part of the duracell for instance
now<00:14:32.600><c> this</c><00:14:32.900><c> is</c><00:14:33.050><c> noting</c><00:14:33.320><c> is</c><00:14:33.440><c> largely</c><00:14:33.800><c> a</c><00:14:33.920><c> process</c>

00:14:34.360 --> 00:14:34.370 align:start position:0%
now this is noting is largely a process
 

00:14:34.370 --> 00:14:35.590 align:start position:0%
now this is noting is largely a process
of<00:14:34.490><c> collecting</c><00:14:34.850><c> multiple</c><00:14:35.210><c> identity</c>

00:14:35.590 --> 00:14:35.600 align:start position:0%
of collecting multiple identity
 

00:14:35.600 --> 00:14:36.820 align:start position:0%
of collecting multiple identity
documents<00:14:36.020><c> from</c><00:14:36.440><c> saga</c>

00:14:36.820 --> 00:14:36.830 align:start position:0%
documents from saga
 

00:14:36.830 --> 00:14:40.060 align:start position:0%
documents from saga
and<00:14:37.010><c> in</c><00:14:37.100><c> cross-gender</c><00:14:38.830><c> what</c><00:14:39.830><c> we've</c><00:14:39.980><c> been</c>

00:14:40.060 --> 00:14:40.070 align:start position:0%
and in cross-gender what we've been
 

00:14:40.070 --> 00:14:41.860 align:start position:0%
and in cross-gender what we've been
learning<00:14:40.340><c> I've</c><00:14:40.640><c> been</c><00:14:40.940><c> allowed</c><00:14:41.120><c> to</c><00:14:41.180><c> exact</c><00:14:41.630><c> this</c>

00:14:41.860 --> 00:14:41.870 align:start position:0%
learning I've been allowed to exact this
 

00:14:41.870 --> 00:14:43.660 align:start position:0%
learning I've been allowed to exact this
whole<00:14:42.260><c> thing</c><00:14:42.530><c> breaks</c><00:14:42.920><c> down</c><00:14:43.010><c> pretty</c><00:14:43.370><c> quickly</c>

00:14:43.660 --> 00:14:43.670 align:start position:0%
whole thing breaks down pretty quickly
 

00:14:43.670 --> 00:14:45.100 align:start position:0%
whole thing breaks down pretty quickly
if<00:14:43.880><c> people</c><00:14:44.180><c> spell</c><00:14:44.360><c> their</c><00:14:44.510><c> names</c><00:14:44.660><c> differently</c>

00:14:45.100 --> 00:14:45.110 align:start position:0%
if people spell their names differently
 

00:14:45.110 --> 00:14:48.750 align:start position:0%
if people spell their names differently
on<00:14:45.290><c> every</c><00:14:45.470><c> single</c><00:14:46.130><c> piece</c><00:14:46.670><c> of</c><00:14:46.840><c> documentation</c>

00:14:48.750 --> 00:14:48.760 align:start position:0%
on every single piece of documentation
 

00:14:48.760 --> 00:14:51.610 align:start position:0%
on every single piece of documentation
dates<00:14:49.760><c> of</c><00:14:49.940><c> birth</c><00:14:49.970><c> often</c><00:14:50.840><c> tended</c><00:14:51.080><c> to</c><00:14:51.200><c> differ</c><00:14:51.410><c> by</c>

00:14:51.610 --> 00:14:51.620 align:start position:0%
dates of birth often tended to differ by
 

00:14:51.620 --> 00:14:54.490 align:start position:0%
dates of birth often tended to differ by
months<00:14:52.130><c> for</c><00:14:52.400><c> 18</c><00:14:52.610><c> years</c><00:14:53.030><c> this</c><00:14:53.960><c> isn't</c><00:14:54.290><c> something</c>

00:14:54.490 --> 00:14:54.500 align:start position:0%
months for 18 years this isn't something
 

00:14:54.500 --> 00:14:56.350 align:start position:0%
months for 18 years this isn't something
the<00:14:54.680><c> various</c><00:14:55.040><c> what</c><00:14:55.310><c> conceal</c><00:14:55.700><c> identities</c><00:14:56.150><c> it's</c>

00:14:56.350 --> 00:14:56.360 align:start position:0%
the various what conceal identities it's
 

00:14:56.360 --> 00:14:59.100 align:start position:0%
the various what conceal identities it's
just<00:14:56.570><c> a</c><00:14:56.660><c> nature</c><00:14:57.020><c> of</c><00:14:57.170><c> emerging</c><00:14:57.920><c> markets</c>

00:14:59.100 --> 00:14:59.110 align:start position:0%
just a nature of emerging markets
 

00:14:59.110 --> 00:15:01.180 align:start position:0%
just a nature of emerging markets
hopefully<00:15:00.110><c> though</c><00:15:00.230><c> and</c><00:15:00.500><c> these</c><00:15:00.920><c> are</c><00:15:01.100><c> the</c>

00:15:01.180 --> 00:15:01.190 align:start position:0%
hopefully though and these are the
 

00:15:01.190 --> 00:15:02.650 align:start position:0%
hopefully though and these are the
content<00:15:01.550><c> of</c><00:15:01.640><c> document</c><00:15:02.090><c> based</c><00:15:02.240><c> on</c><00:15:02.390><c> actually</c>

00:15:02.650 --> 00:15:02.660 align:start position:0%
content of document based on actually
 

00:15:02.660 --> 00:15:04.180 align:start position:0%
content of document based on actually
doesn't<00:15:02.960><c> really</c><00:15:03.170><c> work</c><00:15:03.560><c> for</c><00:15:03.590><c> a</c><00:15:03.860><c> lot</c><00:15:04.070><c> of</c><00:15:04.100><c> the</c>

00:15:04.180 --> 00:15:04.190 align:start position:0%
doesn't really work for a lot of the
 

00:15:04.190 --> 00:15:08.350 align:start position:0%
doesn't really work for a lot of the
world<00:15:04.870><c> and</c><00:15:06.220><c> it</c><00:15:07.220><c> also</c><00:15:07.280><c> means</c><00:15:07.700><c> that</c><00:15:07.940><c> this</c><00:15:08.030><c> neat</c>

00:15:08.350 --> 00:15:08.360 align:start position:0%
world and it also means that this neat
 

00:15:08.360 --> 00:15:09.740 align:start position:0%
world and it also means that this neat
little<00:15:08.480><c> diagram</c><00:15:09.020><c> I</c><00:15:09.080><c> showed</c><00:15:09.110><c> you</c>

00:15:09.740 --> 00:15:09.750 align:start position:0%
little diagram I showed you
 

00:15:09.750 --> 00:15:11.750 align:start position:0%
little diagram I showed you
stable<00:15:10.140><c> quite</c><00:15:10.350><c> a</c><00:15:10.380><c> big</c><00:15:10.620><c> centrifuge</c><00:15:11.160><c> people</c><00:15:11.670><c> is</c>

00:15:11.750 --> 00:15:11.760 align:start position:0%
stable quite a big centrifuge people is
 

00:15:11.760 --> 00:15:14.300 align:start position:0%
stable quite a big centrifuge people is
unfortunately<00:15:12.390><c> really</c><00:15:12.900><c> much</c><00:15:13.140><c> illegal</c><00:15:13.440><c> same</c>

00:15:14.300 --> 00:15:14.310 align:start position:0%
unfortunately really much illegal same
 

00:15:14.310 --> 00:15:17.660 align:start position:0%
unfortunately really much illegal same
ones<00:15:14.580><c> a</c><00:15:14.670><c> bar</c><00:15:14.970><c> to</c><00:15:15.360><c> liquid</c><00:15:16.430><c> there's</c><00:15:17.430><c> a</c><00:15:17.490><c> couple</c>

00:15:17.660 --> 00:15:17.670 align:start position:0%
ones a bar to liquid there's a couple
 

00:15:17.670 --> 00:15:19.370 align:start position:0%
ones a bar to liquid there's a couple
police<00:15:17.910><c> we</c><00:15:18.150><c> match</c><00:15:18.420><c> against</c><00:15:18.690><c> to</c><00:15:18.870><c> work</c><00:15:19.020><c> harder</c>

00:15:19.370 --> 00:15:19.380 align:start position:0%
police we match against to work harder
 

00:15:19.380 --> 00:15:21.260 align:start position:0%
police we match against to work harder
instead<00:15:19.980><c> we</c><00:15:20.370><c> can</c><00:15:20.460><c> use</c><00:15:20.520><c> stable</c><00:15:20.940><c> points</c><00:15:21.180><c> as</c>

00:15:21.260 --> 00:15:21.270 align:start position:0%
instead we can use stable points as
 

00:15:21.270 --> 00:15:22.850 align:start position:0%
instead we can use stable points as
collateral<00:15:21.540><c> to</c><00:15:21.780><c> meetcha</c><00:15:22.050><c> to</c><00:15:22.170><c> your</c><00:15:22.290><c> token</c><00:15:22.650><c> or</c>

00:15:22.850 --> 00:15:22.860 align:start position:0%
collateral to meetcha to your token or
 

00:15:22.860 --> 00:15:25.250 align:start position:0%
collateral to meetcha to your token or
larger<00:15:23.510><c> conversion</c><00:15:24.510><c> from</c><00:15:24.630><c> this</c><00:15:24.780><c> token</c><00:15:25.110><c> back</c>

00:15:25.250 --> 00:15:25.260 align:start position:0%
larger conversion from this token back
 

00:15:25.260 --> 00:15:26.960 align:start position:0%
larger conversion from this token back
to<00:15:25.410><c> a</c><00:15:25.440><c> liquid</c><00:15:25.650><c> stable</c><00:15:26.100><c> point</c><00:15:26.310><c> there's</c><00:15:26.760><c> only</c>

00:15:26.960 --> 00:15:26.970 align:start position:0%
to a liquid stable point there's only
 

00:15:26.970 --> 00:15:28.730 align:start position:0%
to a liquid stable point there's only
possible<00:15:27.450><c> if</c><00:15:27.540><c> you're</c><00:15:27.660><c> past</c><00:15:27.900><c> pale</c><00:15:28.170><c> icy</c><00:15:28.470><c> chips</c>

00:15:28.730 --> 00:15:28.740 align:start position:0%
possible if you're past pale icy chips
 

00:15:28.740 --> 00:15:30.230 align:start position:0%
possible if you're past pale icy chips
and<00:15:28.980><c> your</c><00:15:29.250><c> addresses</c><00:15:29.640><c> on</c><00:15:29.760><c> employment</c>

00:15:30.230 --> 00:15:30.240 align:start position:0%
and your addresses on employment
 

00:15:30.240 --> 00:15:32.180 align:start position:0%
and your addresses on employment
contract<00:15:30.600><c> Wireless</c><00:15:31.020><c> if</c><00:15:31.650><c> you</c><00:15:31.740><c> don't</c><00:15:31.890><c> look</c><00:15:32.010><c> like</c>

00:15:32.180 --> 00:15:32.190 align:start position:0%
contract Wireless if you don't look like
 

00:15:32.190 --> 00:15:33.950 align:start position:0%
contract Wireless if you don't look like
this<00:15:32.370><c> you</c><00:15:32.940><c> can</c><00:15:33.150><c> access</c><00:15:33.420><c> down</c><00:15:33.600><c> there</c><00:15:33.750><c> a</c><00:15:33.780><c> lot</c>

00:15:33.950 --> 00:15:33.960 align:start position:0%
this you can access down there a lot
 

00:15:33.960 --> 00:15:35.120 align:start position:0%
this you can access down there a lot
Adaline<00:15:34.680><c> clever</c>

00:15:35.120 --> 00:15:35.130 align:start position:0%
Adaline clever
 

00:15:35.130 --> 00:15:37.130 align:start position:0%
Adaline clever
however<00:15:35.700><c> you</c><00:15:35.940><c> could</c><00:15:36.060><c> still</c><00:15:36.300><c> spend</c><00:15:36.510><c> experience</c>

00:15:37.130 --> 00:15:37.140 align:start position:0%
however you could still spend experience
 

00:15:37.140 --> 00:15:39.320 align:start position:0%
however you could still spend experience
these<00:15:37.890><c> things</c><00:15:37.950><c> that</c><00:15:38.250><c> my</c><00:15:38.400><c> conducting</c><00:15:38.820><c> ayc</c>

00:15:39.320 --> 00:15:39.330 align:start position:0%
these things that my conducting ayc
 

00:15:39.330 --> 00:15:41.150 align:start position:0%
these things that my conducting ayc
checks<00:15:39.570><c> on</c><00:15:39.690><c> vendors</c><00:15:40.050><c> we're</c><00:15:40.500><c> still</c><00:15:40.710><c> able</c><00:15:40.980><c> to</c>

00:15:41.150 --> 00:15:41.160 align:start position:0%
checks on vendors we're still able to
 

00:15:41.160 --> 00:15:42.980 align:start position:0%
checks on vendors we're still able to
distribution<00:15:41.790><c> individuals</c><00:15:42.750><c> who</c><00:15:42.900><c> would</c>

00:15:42.980 --> 00:15:42.990 align:start position:0%
distribution individuals who would
 

00:15:42.990 --> 00:15:46.250 align:start position:0%
distribution individuals who would
otherwise<00:15:43.170><c> be</c><00:15:43.410><c> off</c><00:15:43.800><c> limits</c><00:15:45.080><c> this</c><00:15:46.080><c> is</c><00:15:46.140><c> a</c>

00:15:46.250 --> 00:15:46.260 align:start position:0%
otherwise be off limits this is a
 

00:15:46.260 --> 00:15:48.320 align:start position:0%
otherwise be off limits this is a
process<00:15:46.740><c> where</c><00:15:47.070><c> one</c><00:15:47.520><c> form</c><00:15:47.820><c> of</c><00:15:47.910><c> value</c><00:15:48.060><c> has</c>

00:15:48.320 --> 00:15:48.330 align:start position:0%
process where one form of value has
 

00:15:48.330 --> 00:15:49.730 align:start position:0%
process where one form of value has
different<00:15:48.660><c> levels</c><00:15:48.720><c> of</c><00:15:48.960><c> liquidity</c><00:15:49.050><c> to</c>

00:15:49.730 --> 00:15:49.740 align:start position:0%
different levels of liquidity to
 

00:15:49.740 --> 00:15:51.470 align:start position:0%
different levels of liquidity to
different<00:15:50.040><c> people</c><00:15:50.340><c> and</c><00:15:50.460><c> may</c><00:15:50.910><c> even</c><00:15:50.940><c> seem</c><00:15:51.360><c> to</c>

00:15:51.470 --> 00:15:51.480 align:start position:0%
different people and may even seem to
 

00:15:51.480 --> 00:15:52.220 align:start position:0%
different people and may even seem to
the<00:15:51.600><c> coronium</c>

00:15:52.220 --> 00:15:52.230 align:start position:0%
the coronium
 

00:15:52.230 --> 00:15:54.080 align:start position:0%
the coronium
implementation<00:15:52.950><c> is</c><00:15:53.430><c> something</c><00:15:53.880><c> that</c><00:15:54.000><c> we</c>

00:15:54.080 --> 00:15:54.090 align:start position:0%
implementation is something that we
 

00:15:54.090 --> 00:15:56.720 align:start position:0%
implementation is something that we
prepared<00:15:54.690><c> all</c><00:15:55.020><c> off</c><00:15:55.200><c> without</c><00:15:55.350><c> watching</c><00:15:55.950><c> and</c>

00:15:56.720 --> 00:15:56.730 align:start position:0%
prepared all off without watching and
 

00:15:56.730 --> 00:15:58.550 align:start position:0%
prepared all off without watching and
this<00:15:56.850><c> is</c><00:15:56.940><c> a</c><00:15:57.060><c> sister</c><00:15:57.540><c> pretty</c><00:15:58.140><c> interesting</c>

00:15:58.550 --> 00:15:58.560 align:start position:0%
this is a sister pretty interesting
 

00:15:58.560 --> 00:16:01.010 align:start position:0%
this is a sister pretty interesting
conclusion<00:15:59.040><c> that</c><00:15:59.400><c> doesn't</c><00:16:00.300><c> need</c><00:16:00.450><c> to</c><00:16:00.510><c> be</c><00:16:00.720><c> the</c>

00:16:01.010 --> 00:16:01.020 align:start position:0%
conclusion that doesn't need to be the
 

00:16:01.020 --> 00:16:03.260 align:start position:0%
conclusion that doesn't need to be the
enemy<00:16:01.230><c> of</c><00:16:01.560><c> financial</c><00:16:02.070><c> compliance</c><00:16:02.340><c> but</c><00:16:03.090><c> rather</c>

00:16:03.260 --> 00:16:03.270 align:start position:0%
enemy of financial compliance but rather
 

00:16:03.270 --> 00:16:05.720 align:start position:0%
enemy of financial compliance but rather
it<00:16:03.660><c> can</c><00:16:03.750><c> be</c><00:16:03.810><c> a</c><00:16:03.900><c> tool</c><00:16:04.230><c> developed</c><00:16:04.830><c> help</c><00:16:05.250><c> me</c><00:16:05.400><c> to</c><00:16:05.550><c> an</c>

00:16:05.720 --> 00:16:05.730 align:start position:0%
it can be a tool developed help me to an
 

00:16:05.730 --> 00:16:09.950 align:start position:0%
it can be a tool developed help me to an
increase<00:16:06.090><c> financial</c><00:16:06.330><c> inclusion</c><00:16:08.810><c> so</c><00:16:09.810><c> the</c>

00:16:09.950 --> 00:16:09.960 align:start position:0%
increase financial inclusion so the
 

00:16:09.960 --> 00:16:12.140 align:start position:0%
increase financial inclusion so the
takeaway<00:16:10.410><c> for</c><00:16:10.470><c> you</c><00:16:10.800><c> guys</c><00:16:11.010><c> is</c><00:16:11.280><c> that</c><00:16:11.490><c> trust</c><00:16:11.880><c> is</c>

00:16:12.140 --> 00:16:12.150 align:start position:0%
takeaway for you guys is that trust is
 

00:16:12.150 --> 00:16:14.990 align:start position:0%
takeaway for you guys is that trust is
not<00:16:12.330><c> always</c><00:16:13.050><c> in</c><00:16:13.530><c> institution</c><00:16:14.339><c> in</c><00:16:14.520><c> places</c>

00:16:14.990 --> 00:16:15.000 align:start position:0%
not always in institution in places
 

00:16:15.000 --> 00:16:17.120 align:start position:0%
not always in institution in places
where<00:16:15.180><c> those</c><00:16:15.390><c> institutions</c><00:16:16.290><c> don't</c><00:16:16.680><c> exist</c>

00:16:17.120 --> 00:16:17.130 align:start position:0%
where those institutions don't exist
 

00:16:17.130 --> 00:16:19.430 align:start position:0%
where those institutions don't exist
without<00:16:17.730><c> infrastructure</c><00:16:18.540><c> is</c><00:16:18.780><c> not</c><00:16:18.960><c> there</c><00:16:19.020><c> in</c>

00:16:19.430 --> 00:16:19.440 align:start position:0%
without infrastructure is not there in
 

00:16:19.440 --> 00:16:22.040 align:start position:0%
without infrastructure is not there in
fact<00:16:19.620><c> Trust</c><00:16:20.010><c> is</c><00:16:20.610><c> actually</c><00:16:21.120><c> in</c><00:16:21.330><c> each</c><00:16:21.570><c> other</c>

00:16:22.040 --> 00:16:22.050 align:start position:0%
fact Trust is actually in each other
 

00:16:22.050 --> 00:16:23.810 align:start position:0%
fact Trust is actually in each other
it<00:16:22.260><c> sounds</c><00:16:22.589><c> common</c><00:16:23.010><c> sense</c><00:16:23.250><c> it</c><00:16:23.400><c> sounds</c><00:16:23.700><c> very</c>

00:16:23.810 --> 00:16:23.820 align:start position:0%
it sounds common sense it sounds very
 

00:16:23.820 --> 00:16:27.079 align:start position:0%
it sounds common sense it sounds very
human<00:16:24.710><c> let</c><00:16:25.710><c> me</c><00:16:25.800><c> give</c><00:16:25.950><c> another</c><00:16:25.980><c> example</c><00:16:26.490><c> of</c>

00:16:27.079 --> 00:16:27.089 align:start position:0%
human let me give another example of
 

00:16:27.089 --> 00:16:29.510 align:start position:0%
human let me give another example of
this<00:16:27.480><c> happening</c><00:16:27.930><c> so</c><00:16:28.440><c> in</c><00:16:28.560><c> the</c><00:16:28.680><c> Solomon</c><00:16:29.070><c> Islands</c>

00:16:29.510 --> 00:16:29.520 align:start position:0%
this happening so in the Solomon Islands
 

00:16:29.520 --> 00:16:31.160 align:start position:0%
this happening so in the Solomon Islands
I<00:16:29.700><c> had</c><00:16:29.940><c> a</c><00:16:29.970><c> discussion</c><00:16:30.270><c> with</c><00:16:30.540><c> the</c><00:16:30.690><c> telephone</c>

00:16:31.160 --> 00:16:31.170 align:start position:0%
I had a discussion with the telephone
 

00:16:31.170 --> 00:16:33.920 align:start position:0%
I had a discussion with the telephone
that<00:16:31.290><c> was</c><00:16:31.350><c> launching</c><00:16:31.830><c> mobile</c><00:16:32.190><c> money</c><00:16:32.839><c> one</c><00:16:33.839><c> of</c>

00:16:33.920 --> 00:16:33.930 align:start position:0%
that was launching mobile money one of
 

00:16:33.930 --> 00:16:36.140 align:start position:0%
that was launching mobile money one of
the<00:16:34.050><c> test</c><00:16:34.290><c> groups</c><00:16:34.650><c> had</c><00:16:34.920><c> a</c><00:16:34.950><c> guy</c><00:16:35.190><c> who</c><00:16:35.790><c> received</c>

00:16:36.140 --> 00:16:36.150 align:start position:0%
the test groups had a guy who received
 

00:16:36.150 --> 00:16:38.270 align:start position:0%
the test groups had a guy who received
money<00:16:36.480><c> into</c><00:16:36.839><c> his</c><00:16:36.930><c> mobile</c><00:16:37.350><c> wallet</c><00:16:37.800><c> on</c><00:16:37.980><c> his</c>

00:16:38.270 --> 00:16:38.280 align:start position:0%
money into his mobile wallet on his
 

00:16:38.280 --> 00:16:40.010 align:start position:0%
money into his mobile wallet on his
phone<00:16:38.520><c> and</c><00:16:38.820><c> he</c><00:16:39.000><c> immediately</c><00:16:39.240><c> went</c><00:16:39.750><c> to</c><00:16:39.930><c> the</c>

00:16:40.010 --> 00:16:40.020 align:start position:0%
phone and he immediately went to the
 

00:16:40.020 --> 00:16:42.410 align:start position:0%
phone and he immediately went to the
cash<00:16:40.260><c> out</c><00:16:40.530><c> agent</c><00:16:40.950><c> and</c><00:16:41.670><c> he</c><00:16:41.760><c> said</c><00:16:42.030><c> to</c><00:16:42.150><c> the</c><00:16:42.240><c> cash</c>

00:16:42.410 --> 00:16:42.420 align:start position:0%
cash out agent and he said to the cash
 

00:16:42.420 --> 00:16:43.280 align:start position:0%
cash out agent and he said to the cash
out<00:16:42.690><c> agent</c>

00:16:43.280 --> 00:16:43.290 align:start position:0%
out agent
 

00:16:43.290 --> 00:16:45.499 align:start position:0%
out agent
to<00:16:43.680><c> cash</c><00:16:43.860><c> out</c><00:16:44.070><c> my</c><00:16:44.190><c> full</c><00:16:44.550><c> balance</c><00:16:45.000><c> right</c><00:16:45.240><c> here</c>

00:16:45.499 --> 00:16:45.509 align:start position:0%
to cash out my full balance right here
 

00:16:45.509 --> 00:16:47.900 align:start position:0%
to cash out my full balance right here
right<00:16:45.750><c> now</c><00:16:45.959><c> on</c><00:16:46.139><c> the</c><00:16:46.230><c> table</c><00:16:46.620><c> the</c><00:16:47.459><c> cash</c><00:16:47.670><c> out</c>

00:16:47.900 --> 00:16:47.910 align:start position:0%
right now on the table the cash out
 

00:16:47.910 --> 00:16:50.689 align:start position:0%
right now on the table the cash out
agent<00:16:48.360><c> hashed</c><00:16:48.990><c> it</c><00:16:49.259><c> out</c><00:16:49.380><c> no</c><00:16:49.680><c> problems</c><00:16:50.160><c> and</c><00:16:50.459><c> this</c>

00:16:50.689 --> 00:16:50.699 align:start position:0%
agent hashed it out no problems and this
 

00:16:50.699 --> 00:16:52.730 align:start position:0%
agent hashed it out no problems and this
man<00:16:50.940><c> killed</c><00:16:51.269><c> it</c><00:16:51.480><c> his</c><00:16:51.660><c> money</c><00:16:51.930><c> vilified</c><00:16:52.500><c> them</c>

00:16:52.730 --> 00:16:52.740 align:start position:0%
man killed it his money vilified them
 

00:16:52.740 --> 00:16:54.860 align:start position:0%
man killed it his money vilified them
and<00:16:53.040><c> then</c><00:16:53.550><c> gave</c><00:16:53.790><c> it</c><00:16:54.000><c> back</c><00:16:54.180><c> and</c><00:16:54.449><c> said</c><00:16:54.630><c> okay</c>

00:16:54.860 --> 00:16:54.870 align:start position:0%
and then gave it back and said okay
 

00:16:54.870 --> 00:16:56.840 align:start position:0%
and then gave it back and said okay
thank<00:16:55.139><c> you</c><00:16:55.320><c> I'd</c><00:16:55.980><c> like</c><00:16:56.160><c> you</c><00:16:56.310><c> to</c><00:16:56.459><c> put</c><00:16:56.639><c> it</c><00:16:56.730><c> back</c>

00:16:56.840 --> 00:16:56.850 align:start position:0%
thank you I'd like you to put it back
 

00:16:56.850 --> 00:17:02.030 align:start position:0%
thank you I'd like you to put it back
inside<00:16:57.120><c> now</c><00:16:59.329><c> he</c><00:17:00.329><c> just</c><00:17:00.569><c> wanted</c><00:17:00.899><c> to</c><00:17:00.959><c> check</c><00:17:01.290><c> that</c>

00:17:02.030 --> 00:17:02.040 align:start position:0%
inside now he just wanted to check that
 

00:17:02.040 --> 00:17:05.030 align:start position:0%
inside now he just wanted to check that
that<00:17:02.250><c> money</c><00:17:02.550><c> was</c><00:17:02.790><c> real</c><00:17:03.199><c> he</c><00:17:04.199><c> wanted</c><00:17:04.589><c> to</c><00:17:04.770><c> check</c>

00:17:05.030 --> 00:17:05.040 align:start position:0%
that money was real he wanted to check
 

00:17:05.040 --> 00:17:07.069 align:start position:0%
that money was real he wanted to check
face<00:17:05.400><c> to</c><00:17:05.669><c> face</c><00:17:05.880><c> with</c><00:17:06.120><c> somebody</c><00:17:06.329><c> that</c><00:17:06.540><c> he</c><00:17:06.870><c> knew</c>

00:17:07.069 --> 00:17:07.079 align:start position:0%
face to face with somebody that he knew
 

00:17:07.079 --> 00:17:09.439 align:start position:0%
face to face with somebody that he knew
that<00:17:07.410><c> that</c><00:17:07.829><c> money</c><00:17:08.250><c> was</c><00:17:08.490><c> real</c><00:17:08.699><c> because</c><00:17:08.910><c> he</c><00:17:09.209><c> just</c>

00:17:09.439 --> 00:17:09.449 align:start position:0%
that that money was real because he just
 

00:17:09.449 --> 00:17:11.030 align:start position:0%
that that money was real because he just
did<00:17:09.600><c> not</c><00:17:09.750><c> believe</c><00:17:09.809><c> that</c><00:17:10.110><c> it</c><00:17:10.380><c> could</c><00:17:10.530><c> be</c><00:17:10.650><c> on</c><00:17:10.829><c> his</c>

00:17:11.030 --> 00:17:11.040 align:start position:0%
did not believe that it could be on his
 

00:17:11.040 --> 00:17:14.210 align:start position:0%
did not believe that it could be on his
phone<00:17:11.280><c> so</c><00:17:12.079><c> this</c><00:17:13.079><c> is</c><00:17:13.260><c> where</c><00:17:13.439><c> we</c><00:17:13.620><c> can</c><00:17:13.770><c> make</c><00:17:13.829><c> some</c>

00:17:14.210 --> 00:17:14.220 align:start position:0%
phone so this is where we can make some
 

00:17:14.220 --> 00:17:16.669 align:start position:0%
phone so this is where we can make some
magic<00:17:14.429><c> right</c><00:17:15.240><c> so</c><00:17:15.480><c> when</c><00:17:15.660><c> you</c><00:17:15.780><c> have</c><00:17:16.049><c> a</c><00:17:16.380><c> tech</c>

00:17:16.669 --> 00:17:16.679 align:start position:0%
magic right so when you have a tech
 

00:17:16.679 --> 00:17:19.340 align:start position:0%
magic right so when you have a tech
startup<00:17:17.069><c> life</c><00:17:17.280><c> cycle</c><00:17:17.790><c> that's</c><00:17:18.480><c> able</c><00:17:18.929><c> to</c><00:17:18.959><c> code</c>

00:17:19.340 --> 00:17:19.350 align:start position:0%
startup life cycle that's able to code
 

00:17:19.350 --> 00:17:21.710 align:start position:0%
startup life cycle that's able to code
that's<00:17:19.949><c> able</c><00:17:20.309><c> to</c><00:17:20.459><c> iterate</c><00:17:20.669><c> on</c><00:17:21.179><c> the</c><00:17:21.419><c> ground</c>

00:17:21.710 --> 00:17:21.720 align:start position:0%
that's able to iterate on the ground
 

00:17:21.720 --> 00:17:23.900 align:start position:0%
that's able to iterate on the ground
within<00:17:22.079><c> the</c><00:17:22.439><c> community</c><00:17:22.919><c> and</c><00:17:23.130><c> do</c><00:17:23.309><c> this</c><00:17:23.520><c> on</c><00:17:23.730><c> the</c>

00:17:23.900 --> 00:17:23.910 align:start position:0%
within the community and do this on the
 

00:17:23.910 --> 00:17:27.530 align:start position:0%
within the community and do this on the
fly<00:17:24.150><c> plus</c><00:17:24.689><c> an</c><00:17:25.309><c> organization</c><00:17:26.309><c> like</c><00:17:26.339><c> Oxfam</c><00:17:27.179><c> or</c><00:17:27.510><c> a</c>

00:17:27.530 --> 00:17:27.540 align:start position:0%
fly plus an organization like Oxfam or a
 

00:17:27.540 --> 00:17:30.320 align:start position:0%
fly plus an organization like Oxfam or a
civil<00:17:27.990><c> society</c><00:17:28.110><c> group</c><00:17:28.770><c> that</c><00:17:29.280><c> is</c><00:17:29.490><c> embedded</c><00:17:30.090><c> in</c>

00:17:30.320 --> 00:17:30.330 align:start position:0%
civil society group that is embedded in
 

00:17:30.330 --> 00:17:32.450 align:start position:0%
civil society group that is embedded in
the<00:17:30.419><c> community</c><00:17:30.600><c> that</c><00:17:31.110><c> has</c><00:17:31.380><c> an</c><00:17:31.770><c> unprecedented</c>

00:17:32.450 --> 00:17:32.460 align:start position:0%
the community that has an unprecedented
 

00:17:32.460 --> 00:17:35.060 align:start position:0%
the community that has an unprecedented
level<00:17:33.030><c> of</c><00:17:33.059><c> access</c><00:17:33.330><c> that's</c><00:17:34.200><c> able</c><00:17:34.710><c> to</c><00:17:34.740><c> amplify</c>

00:17:35.060 --> 00:17:35.070 align:start position:0%
level of access that's able to amplify
 

00:17:35.070 --> 00:17:37.669 align:start position:0%
level of access that's able to amplify
those<00:17:35.940><c> community</c><00:17:36.450><c> voices</c><00:17:36.929><c> and</c><00:17:37.169><c> encourage</c>

00:17:37.669 --> 00:17:37.679 align:start position:0%
those community voices and encourage
 

00:17:37.679 --> 00:17:40.430 align:start position:0%
those community voices and encourage
participation<00:17:38.419><c> through</c><00:17:39.419><c> translation</c><00:17:40.110><c> and</c>

00:17:40.430 --> 00:17:40.440 align:start position:0%
participation through translation and
 

00:17:40.440 --> 00:17:42.530 align:start position:0%
participation through translation and
communication<00:17:41.190><c> you</c><00:17:41.790><c> can</c><00:17:41.820><c> create</c><00:17:42.240><c> something</c>

00:17:42.530 --> 00:17:42.540 align:start position:0%
communication you can create something
 

00:17:42.540 --> 00:17:45.740 align:start position:0%
communication you can create something
entirely<00:17:42.990><c> new</c><00:17:43.460><c> so</c><00:17:44.460><c> this</c><00:17:44.640><c> is</c><00:17:44.790><c> the</c><00:17:44.910><c> last</c><00:17:45.120><c> one</c><00:17:45.360><c> so</c>

00:17:45.740 --> 00:17:45.750 align:start position:0%
entirely new so this is the last one so
 

00:17:45.750 --> 00:17:48.070 align:start position:0%
entirely new so this is the last one so
this<00:17:46.290><c> is</c><00:17:46.440><c> where</c><00:17:46.620><c> we</c><00:17:46.799><c> can</c><00:17:46.950><c> work</c><00:17:47.160><c> in</c><00:17:47.400><c> harmony</c><00:17:47.669><c> and</c>

00:17:48.070 --> 00:17:48.080 align:start position:0%
this is where we can work in harmony and
 

00:17:48.080 --> 00:17:51.260 align:start position:0%
this is where we can work in harmony and
literally<00:17:49.080><c> build</c><00:17:49.440><c> out</c><00:17:49.770><c> the</c><00:17:50.070><c> front</c><00:17:50.370><c> end</c><00:17:50.580><c> beyond</c>

00:17:51.260 --> 00:17:51.270 align:start position:0%
literally build out the front end beyond
 

00:17:51.270 --> 00:17:53.570 align:start position:0%
literally build out the front end beyond
the<00:17:51.780><c> existing</c><00:17:52.290><c> infrastructure</c><00:17:52.919><c> and</c><00:17:53.250><c> even</c>

00:17:53.570 --> 00:17:53.580 align:start position:0%
the existing infrastructure and even
 

00:17:53.580 --> 00:17:56.419 align:start position:0%
the existing infrastructure and even
beyond<00:17:53.970><c> the</c><00:17:54.450><c> digital</c><00:17:54.870><c> infrastructure</c><00:17:55.440><c> that</c>

00:17:56.419 --> 00:17:56.429 align:start position:0%
beyond the digital infrastructure that
 

00:17:56.429 --> 00:17:58.970 align:start position:0%
beyond the digital infrastructure that
front<00:17:56.850><c> end</c><00:17:57.030><c> needs</c><00:17:57.570><c> to</c><00:17:57.840><c> end</c><00:17:58.200><c> within</c><00:17:58.830><c> the</c>

00:17:58.970 --> 00:17:58.980 align:start position:0%
front end needs to end within the
 

00:17:58.980 --> 00:18:00.980 align:start position:0%
front end needs to end within the
community<00:17:59.460><c> and</c><00:17:59.700><c> that</c><00:18:00.270><c> needs</c><00:18:00.480><c> to</c><00:18:00.600><c> be</c><00:18:00.690><c> done</c>

00:18:00.980 --> 00:18:00.990 align:start position:0%
community and that needs to be done
 

00:18:00.990 --> 00:18:02.780 align:start position:0%
community and that needs to be done
through<00:18:01.169><c> that</c><00:18:01.440><c> level</c><00:18:01.830><c> of</c><00:18:02.040><c> community</c>

00:18:02.780 --> 00:18:02.790 align:start position:0%
through that level of community
 

00:18:02.790 --> 00:18:08.590 align:start position:0%
through that level of community
engagement<00:18:03.030><c> and</c><00:18:03.720><c> Gunsan</c>

00:18:08.590 --> 00:18:08.600 align:start position:0%
 
 

00:18:08.600 --> 00:18:11.840 align:start position:0%
 
very<00:18:09.600><c> very</c><00:18:09.690><c> birth</c><00:18:10.110><c> so</c><00:18:11.039><c> this</c><00:18:11.279><c> is</c><00:18:11.429><c> where</c><00:18:11.669><c> we</c><00:18:11.820><c> need</c>

00:18:11.840 --> 00:18:11.850 align:start position:0%
very very birth so this is where we need
 

00:18:11.850 --> 00:18:14.450 align:start position:0%
very very birth so this is where we need
to<00:18:12.000><c> start</c><00:18:12.480><c> blending</c><00:18:12.779><c> advanced</c><00:18:13.679><c> technologies</c>

00:18:14.450 --> 00:18:14.460 align:start position:0%
to start blending advanced technologies
 

00:18:14.460 --> 00:18:15.980 align:start position:0%
to start blending advanced technologies
with<00:18:14.730><c> the</c><00:18:14.850><c> knowledge</c><00:18:15.000><c> and</c><00:18:15.360><c> techniques</c><00:18:15.809><c> of</c>

00:18:15.980 --> 00:18:15.990 align:start position:0%
with the knowledge and techniques of
 

00:18:15.990 --> 00:18:17.750 align:start position:0%
with the knowledge and techniques of
people<00:18:16.320><c> that</c><00:18:16.500><c> are</c><00:18:16.650><c> used</c><00:18:16.890><c> to</c><00:18:16.980><c> communicating</c>

00:18:17.750 --> 00:18:17.760 align:start position:0%
people that are used to communicating
 

00:18:17.760 --> 00:18:20.060 align:start position:0%
people that are used to communicating
with<00:18:17.789><c> communities</c><00:18:18.419><c> and</c><00:18:18.659><c> this</c><00:18:19.289><c> is</c><00:18:19.470><c> also</c><00:18:19.710><c> where</c>

00:18:20.060 --> 00:18:20.070 align:start position:0%
with communities and this is also where
 

00:18:20.070 --> 00:18:22.130 align:start position:0%
with communities and this is also where
we<00:18:20.100><c> can</c><00:18:20.429><c> start</c><00:18:20.700><c> to</c><00:18:20.850><c> create</c><00:18:20.880><c> feedback</c><00:18:21.840><c> loops</c>

00:18:22.130 --> 00:18:22.140 align:start position:0%
we can start to create feedback loops
 

00:18:22.140 --> 00:18:24.680 align:start position:0%
we can start to create feedback loops
that<00:18:22.529><c> are</c><00:18:22.679><c> mutually</c><00:18:22.890><c> beneficial</c><00:18:23.549><c> so</c><00:18:24.419><c> what</c><00:18:24.600><c> you</c>

00:18:24.680 --> 00:18:24.690 align:start position:0%
that are mutually beneficial so what you
 

00:18:24.690 --> 00:18:26.630 align:start position:0%
that are mutually beneficial so what you
have<00:18:24.870><c> tech</c><00:18:25.140><c> that</c><00:18:25.380><c> is</c><00:18:25.409><c> enabling</c><00:18:25.919><c> reach</c><00:18:26.220><c> and</c>

00:18:26.630 --> 00:18:26.640 align:start position:0%
have tech that is enabling reach and
 

00:18:26.640 --> 00:18:28.700 align:start position:0%
have tech that is enabling reach and
allowing<00:18:27.029><c> you</c><00:18:27.150><c> to</c><00:18:27.299><c> build</c><00:18:27.539><c> beyond</c><00:18:28.020><c> where</c><00:18:28.559><c> the</c>

00:18:28.700 --> 00:18:28.710 align:start position:0%
allowing you to build beyond where the
 

00:18:28.710 --> 00:18:32.090 align:start position:0%
allowing you to build beyond where the
infrastructure<00:18:29.279><c> does</c><00:18:29.610><c> not</c><00:18:29.789><c> go</c><00:18:30.529><c> that</c><00:18:31.529><c> tech</c><00:18:31.890><c> can</c>

00:18:32.090 --> 00:18:32.100 align:start position:0%
infrastructure does not go that tech can
 

00:18:32.100 --> 00:18:34.640 align:start position:0%
infrastructure does not go that tech can
create<00:18:32.429><c> efficiencies</c><00:18:33.090><c> and</c><00:18:33.299><c> transparency</c><00:18:34.080><c> but</c>

00:18:34.640 --> 00:18:34.650 align:start position:0%
create efficiencies and transparency but
 

00:18:34.650 --> 00:18:36.700 align:start position:0%
create efficiencies and transparency but
when<00:18:34.890><c> you</c><00:18:34.980><c> have</c><00:18:35.190><c> community</c><00:18:35.820><c> representation</c>

00:18:36.700 --> 00:18:36.710 align:start position:0%
when you have community representation
 

00:18:36.710 --> 00:18:39.409 align:start position:0%
when you have community representation
community<00:18:37.710><c> presence</c><00:18:38.159><c> community</c><00:18:38.789><c> voices</c><00:18:39.029><c> and</c>

00:18:39.409 --> 00:18:39.419 align:start position:0%
community presence community voices and
 

00:18:39.419 --> 00:18:40.970 align:start position:0%
community presence community voices and
connections<00:18:39.990><c> then</c><00:18:40.230><c> what</c><00:18:40.440><c> you're</c><00:18:40.620><c> doing</c><00:18:40.649><c> is</c>

00:18:40.970 --> 00:18:40.980 align:start position:0%
connections then what you're doing is
 

00:18:40.980 --> 00:18:43.549 align:start position:0%
connections then what you're doing is
you're<00:18:41.220><c> ensuring</c><00:18:41.820><c> that</c><00:18:42.059><c> that</c><00:18:42.659><c> tech</c><00:18:43.020><c> is</c><00:18:43.289><c> being</c>

00:18:43.549 --> 00:18:43.559 align:start position:0%
you're ensuring that that tech is being
 

00:18:43.559 --> 00:18:45.370 align:start position:0%
you're ensuring that that tech is being
enriched<00:18:44.100><c> through</c><00:18:44.399><c> iterative</c><00:18:45.120><c> development</c>

00:18:45.370 --> 00:18:45.380 align:start position:0%
enriched through iterative development
 

00:18:45.380 --> 00:18:48.139 align:start position:0%
enriched through iterative development
that<00:18:46.380><c> it</c><00:18:46.590><c> remains</c><00:18:46.919><c> inclusive</c><00:18:47.669><c> and</c><00:18:47.880><c> that</c>

00:18:48.139 --> 00:18:48.149 align:start position:0%
that it remains inclusive and that
 

00:18:48.149 --> 00:18:50.960 align:start position:0%
that it remains inclusive and that
eventually<00:18:48.419><c> it's</c><00:18:48.779><c> becoming</c><00:18:49.200><c> more</c><00:18:49.470><c> robust</c><00:18:49.970><c> so</c>

00:18:50.960 --> 00:18:50.970 align:start position:0%
eventually it's becoming more robust so
 

00:18:50.970 --> 00:18:53.000 align:start position:0%
eventually it's becoming more robust so
what<00:18:51.179><c> have</c><00:18:51.539><c> we</c><00:18:51.720><c> been</c><00:18:51.870><c> doing</c><00:18:52.110><c> what</c><00:18:52.529><c> have</c><00:18:52.559><c> I</c><00:18:52.770><c> been</c>

00:18:53.000 --> 00:18:53.010 align:start position:0%
what have we been doing what have I been
 

00:18:53.010 --> 00:18:55.029 align:start position:0%
what have we been doing what have I been
doing<00:18:53.190><c> I've</c><00:18:53.490><c> been</c><00:18:53.520><c> acting</c><00:18:53.970><c> as</c><00:18:54.059><c> a</c><00:18:54.090><c> translator</c>

00:18:55.029 --> 00:18:55.039 align:start position:0%
doing I've been acting as a translator
 

00:18:55.039 --> 00:18:57.740 align:start position:0%
doing I've been acting as a translator
this<00:18:56.039><c> is</c><00:18:56.100><c> how</c><00:18:56.399><c> we</c><00:18:56.460><c> include</c><00:18:56.940><c> the</c><00:18:57.120><c> voices</c><00:18:57.480><c> of</c><00:18:57.630><c> the</c>

00:18:57.740 --> 00:18:57.750 align:start position:0%
this is how we include the voices of the
 

00:18:57.750 --> 00:18:59.810 align:start position:0%
this is how we include the voices of the
many<00:18:57.960><c> and</c><00:18:58.200><c> in</c><00:18:58.350><c> fact</c><00:18:58.559><c> we</c><00:18:58.799><c> have</c><00:18:58.980><c> encoded</c><00:18:59.370><c> those</c>

00:18:59.810 --> 00:18:59.820 align:start position:0%
many and in fact we have encoded those
 

00:18:59.820 --> 00:19:01.580 align:start position:0%
many and in fact we have encoded those
voices<00:19:00.419><c> in</c><00:19:00.659><c> the</c><00:19:00.840><c> way</c><00:19:00.990><c> that</c><00:19:01.230><c> this</c><00:19:01.409><c> application</c>

00:19:01.580 --> 00:19:01.590 align:start position:0%
voices in the way that this application
 

00:19:01.590 --> 00:19:05.060 align:start position:0%
voices in the way that this application
has<00:19:02.279><c> been</c><00:19:02.490><c> constructed</c><00:19:03.529><c> these</c><00:19:04.529><c> are</c><00:19:04.740><c> people</c>

00:19:05.060 --> 00:19:05.070 align:start position:0%
has been constructed these are people
 

00:19:05.070 --> 00:19:06.710 align:start position:0%
has been constructed these are people
who<00:19:05.220><c> are</c><00:19:05.309><c> on</c><00:19:05.399><c> the</c><00:19:05.520><c> fringes</c><00:19:05.970><c> of</c><00:19:06.029><c> digital</c>

00:19:06.710 --> 00:19:06.720 align:start position:0%
who are on the fringes of digital
 

00:19:06.720 --> 00:19:08.930 align:start position:0%
who are on the fringes of digital
infrastructure<00:19:07.320><c> these</c><00:19:08.130><c> are</c><00:19:08.279><c> people</c><00:19:08.610><c> who</c><00:19:08.789><c> do</c>

00:19:08.930 --> 00:19:08.940 align:start position:0%
infrastructure these are people who do
 

00:19:08.940 --> 00:19:10.880 align:start position:0%
infrastructure these are people who do
not<00:19:08.970><c> have</c><00:19:09.149><c> digital</c><00:19:09.870><c> access</c><00:19:10.080><c> who</c><00:19:10.559><c> are</c><00:19:10.649><c> not</c>

00:19:10.880 --> 00:19:10.890 align:start position:0%
not have digital access who are not
 

00:19:10.890 --> 00:19:13.250 align:start position:0%
not have digital access who are not
digitally<00:19:11.429><c> literate</c><00:19:11.460><c> but</c><00:19:12.059><c> yet</c><00:19:12.330><c> there's</c>

00:19:13.250 --> 00:19:13.260 align:start position:0%
digitally literate but yet there's
 

00:19:13.260 --> 00:19:14.680 align:start position:0%
digitally literate but yet there's
evidence<00:19:13.590><c> of</c>

00:19:14.680 --> 00:19:14.690 align:start position:0%
evidence of
 

00:19:14.690 --> 00:19:16.299 align:start position:0%
evidence of
the<00:19:14.899><c> application</c><00:19:15.470><c> has</c><00:19:15.499><c> been</c><00:19:15.859><c> built</c><00:19:16.099><c> and</c>

00:19:16.299 --> 00:19:16.309 align:start position:0%
the application has been built and
 

00:19:16.309 --> 00:19:18.999 align:start position:0%
the application has been built and
therefore<00:19:17.179><c> as</c><00:19:17.330><c> easy</c><00:19:17.570><c> to</c><00:19:17.690><c> easier</c><00:19:18.259><c> to</c><00:19:18.499><c> use</c><00:19:18.710><c> and</c>

00:19:18.999 --> 00:19:19.009 align:start position:0%
therefore as easy to easier to use and
 

00:19:19.009 --> 00:19:20.680 align:start position:0%
therefore as easy to easier to use and
this<00:19:19.190><c> is</c><00:19:19.309><c> also</c><00:19:19.460><c> what</c><00:19:19.729><c> makes</c><00:19:19.759><c> unlocked</c><00:19:20.419><c> cache</c>

00:19:20.680 --> 00:19:20.690 align:start position:0%
this is also what makes unlocked cache
 

00:19:20.690 --> 00:19:24.310 align:start position:0%
this is also what makes unlocked cache
extremely<00:19:21.320><c> distinctive</c><00:19:22.749><c> so</c><00:19:23.749><c> similar</c>

00:19:24.310 --> 00:19:24.320 align:start position:0%
extremely distinctive so similar
 

00:19:24.320 --> 00:19:26.080 align:start position:0%
extremely distinctive so similar
development<00:19:24.979><c> level</c><00:19:25.129><c> working</c><00:19:25.519><c> across</c><00:19:25.789><c> several</c>

00:19:26.080 --> 00:19:26.090 align:start position:0%
development level working across several
 

00:19:26.090 --> 00:19:29.200 align:start position:0%
development level working across several
countries<00:19:26.450><c> Greece</c><00:19:26.809><c> little</c><00:19:27.470><c> erotica</c><00:19:28.190><c> analogic</c>

00:19:29.200 --> 00:19:29.210 align:start position:0%
countries Greece little erotica analogic
 

00:19:29.210 --> 00:19:31.629 align:start position:0%
countries Greece little erotica analogic
consider<00:19:29.570><c> the</c><00:19:29.690><c> camera</c><00:19:30.019><c> and</c><00:19:30.739><c> one</c><00:19:31.399><c> thing</c><00:19:31.609><c> that</c>

00:19:31.629 --> 00:19:31.639 align:start position:0%
consider the camera and one thing that
 

00:19:31.639 --> 00:19:33.820 align:start position:0%
consider the camera and one thing that
want<00:19:31.940><c> is</c><00:19:32.149><c> that</c><00:19:32.330><c> even</c><00:19:32.659><c> the</c><00:19:32.779><c> wrong</c><00:19:32.899><c> pants</c><00:19:33.289><c> is</c><00:19:33.559><c> so</c>

00:19:33.820 --> 00:19:33.830 align:start position:0%
want is that even the wrong pants is so
 

00:19:33.830 --> 00:19:35.759 align:start position:0%
want is that even the wrong pants is so
much<00:19:34.039><c> diversity</c><00:19:34.220><c> right</c><00:19:34.700><c> now</c><00:19:34.879><c> in</c><00:19:35.450><c> Australia</c>

00:19:35.759 --> 00:19:35.769 align:start position:0%
much diversity right now in Australia
 

00:19:35.769 --> 00:19:38.649 align:start position:0%
much diversity right now in Australia
94%<00:19:36.769><c> of</c><00:19:37.070><c> payments</c><00:19:37.460><c> made</c><00:19:37.639><c> using</c><00:19:37.940><c> a</c><00:19:38.029><c> contactless</c>

00:19:38.649 --> 00:19:38.659 align:start position:0%
94% of payments made using a contactless
 

00:19:38.659 --> 00:19:41.409 align:start position:0%
94% of payments made using a contactless
bank<00:19:38.960><c> card</c><00:19:39.259><c> while</c><00:19:39.820><c> 2014</c><00:19:40.820><c> more</c><00:19:41.090><c> money</c><00:19:41.269><c> was</c>

00:19:41.409 --> 00:19:41.419 align:start position:0%
bank card while 2014 more money was
 

00:19:41.419 --> 00:19:42.729 align:start position:0%
bank card while 2014 more money was
transferred<00:19:41.690><c> by</c><00:19:42.019><c> mobile</c><00:19:42.349><c> phone</c><00:19:42.529><c> in</c>

00:19:42.729 --> 00:19:42.739 align:start position:0%
transferred by mobile phone in
 

00:19:42.739 --> 00:19:44.649 align:start position:0%
transferred by mobile phone in
sub-saharan<00:19:43.340><c> Africa</c><00:19:43.759><c> then</c><00:19:44.119><c> Europe</c><00:19:44.479><c> or</c><00:19:44.629><c> North</c>

00:19:44.649 --> 00:19:44.659 align:start position:0%
sub-saharan Africa then Europe or North
 

00:19:44.659 --> 00:19:45.729 align:start position:0%
sub-saharan Africa then Europe or North
America<00:19:44.869><c> come</c><00:19:45.349><c> together</c>

00:19:45.729 --> 00:19:45.739 align:start position:0%
America come together
 

00:19:45.739 --> 00:19:47.619 align:start position:0%
America come together
meanwhile<00:19:46.429><c> engine</c><00:19:46.700><c> had</c><00:19:46.879><c> like</c><00:19:47.059><c> come</c><00:19:47.299><c> in</c><00:19:47.479><c> the</c>

00:19:47.619 --> 00:19:47.629 align:start position:0%
meanwhile engine had like come in the
 

00:19:47.629 --> 00:19:51.180 align:start position:0%
meanwhile engine had like come in the
times<00:19:47.899><c> I've</c><00:19:48.739><c> seen</c><00:19:48.919><c> so</c><00:19:49.309><c> many</c><00:19:49.700><c> plans</c>

00:19:51.180 --> 00:19:51.190 align:start position:0%
times I've seen so many plans
 

00:19:51.190 --> 00:19:54.430 align:start position:0%
times I've seen so many plans
the<00:19:52.190><c> point</c><00:19:52.429><c> is</c><00:19:52.580><c> is</c><00:19:52.729><c> that</c><00:19:52.759><c> all</c><00:19:53.269><c> we</c><00:19:53.629><c> need</c><00:19:53.809><c> to</c>

00:19:54.430 --> 00:19:54.440 align:start position:0%
the point is is that all we need to
 

00:19:54.440 --> 00:19:56.379 align:start position:0%
the point is is that all we need to
virtually<00:19:54.830><c> different</c><00:19:55.309><c> a</c><00:19:55.489><c> need</c><00:19:55.849><c> to</c><00:19:55.940><c> be</c><00:19:56.029><c> treated</c>

00:19:56.379 --> 00:19:56.389 align:start position:0%
virtually different a need to be treated
 

00:19:56.389 --> 00:19:58.799 align:start position:0%
virtually different a need to be treated
as<00:19:56.479><c> such</c><00:19:56.509><c> and</c><00:19:57.429><c> the</c><00:19:58.429><c> thing</c><00:19:58.639><c> is</c>

00:19:58.799 --> 00:19:58.809 align:start position:0%
as such and the thing is
 

00:19:58.809 --> 00:20:00.820 align:start position:0%
as such and the thing is
decentralization<00:19:59.809><c> does</c><00:20:00.109><c> not</c><00:20:00.289><c> necessarily</c>

00:20:00.820 --> 00:20:00.830 align:start position:0%
decentralization does not necessarily
 

00:20:00.830 --> 00:20:03.339 align:start position:0%
decentralization does not necessarily
guarantee<00:20:01.159><c> diversity</c><00:20:01.999><c> what</c><00:20:02.869><c> change</c><00:20:03.139><c> may</c>

00:20:03.339 --> 00:20:03.349 align:start position:0%
guarantee diversity what change may
 

00:20:03.349 --> 00:20:05.680 align:start position:0%
guarantee diversity what change may
happen<00:20:03.769><c> sexualizes</c><00:20:04.340><c> computer</c><00:20:04.700><c> code</c><00:20:04.909><c> but</c><00:20:05.539><c> the</c>

00:20:05.680 --> 00:20:05.690 align:start position:0%
happen sexualizes computer code but the
 

00:20:05.690 --> 00:20:07.509 align:start position:0%
happen sexualizes computer code but the
decision<00:20:06.049><c> were</c><00:20:06.139><c> made</c><00:20:06.409><c> on</c><00:20:06.889><c> these</c><00:20:07.220><c> layers</c>

00:20:07.509 --> 00:20:07.519 align:start position:0%
decision were made on these layers
 

00:20:07.519 --> 00:20:09.759 align:start position:0%
decision were made on these layers
already<00:20:08.059><c> suggests</c><00:20:08.539><c> so</c><00:20:08.929><c> much</c><00:20:09.229><c> about</c><00:20:09.499><c> what</c><00:20:09.679><c> the</c>

00:20:09.759 --> 00:20:09.769 align:start position:0%
already suggests so much about what the
 

00:20:09.769 --> 00:20:11.200 align:start position:0%
already suggests so much about what the
extrait<00:20:10.099><c> user</c><00:20:10.309><c> experience</c><00:20:10.820><c> on</c><00:20:10.909><c> top</c><00:20:11.059><c> of</c><00:20:11.149><c> this</c>

00:20:11.200 --> 00:20:11.210 align:start position:0%
extrait user experience on top of this
 

00:20:11.210 --> 00:20:13.149 align:start position:0%
extrait user experience on top of this
will<00:20:11.389><c> be</c><00:20:11.539><c> the</c><00:20:12.320><c> rates</c><00:20:12.499><c> of</c><00:20:12.590><c> inflation</c><00:20:12.679><c> of</c><00:20:13.099><c> the</c>

00:20:13.149 --> 00:20:13.159 align:start position:0%
will be the rates of inflation of the
 

00:20:13.159 --> 00:20:14.769 align:start position:0%
will be the rates of inflation of the
currency<00:20:13.609><c> how</c><00:20:13.879><c> come</c><00:20:14.059><c> other</c><00:20:14.179><c> keys</c><00:20:14.450><c> are</c><00:20:14.570><c> stored</c>

00:20:14.769 --> 00:20:14.779 align:start position:0%
currency how come other keys are stored
 

00:20:14.779 --> 00:20:16.779 align:start position:0%
currency how come other keys are stored
and<00:20:15.080><c> the</c><00:20:15.289><c> legal</c><00:20:15.559><c> legal</c><00:20:16.039><c> implications</c><00:20:16.609><c> of</c><00:20:16.700><c> our</c>

00:20:16.779 --> 00:20:16.789 align:start position:0%
and the legal legal implications of our
 

00:20:16.789 --> 00:20:19.330 align:start position:0%
and the legal legal implications of our
designs<00:20:17.119><c> if</c><00:20:18.019><c> we're</c><00:20:18.229><c> not</c><00:20:18.349><c> careful</c><00:20:18.619><c> we're</c><00:20:19.159><c> easy</c>

00:20:19.330 --> 00:20:19.340 align:start position:0%
designs if we're not careful we're easy
 

00:20:19.340 --> 00:20:21.159 align:start position:0%
designs if we're not careful we're easy
to<00:20:19.460><c> client</c><00:20:19.820><c> will</c><00:20:20.029><c> organize</c><00:20:20.419><c> the</c><00:20:20.570><c> way</c><00:20:20.720><c> people</c>

00:20:21.159 --> 00:20:21.169 align:start position:0%
to client will organize the way people
 

00:20:21.169 --> 00:20:23.799 align:start position:0%
to client will organize the way people
interact<00:20:21.979><c> with</c><00:20:22.249><c> clients</c><00:20:22.519><c> and</c><00:20:22.970><c> the</c><00:20:23.450><c> process</c>

00:20:23.799 --> 00:20:23.809 align:start position:0%
interact with clients and the process
 

00:20:23.809 --> 00:20:25.599 align:start position:0%
interact with clients and the process
that<00:20:23.840><c> we</c><00:20:24.049><c> construct</c><00:20:24.440><c> our</c><00:20:24.679><c> world</c><00:20:24.950><c> doesn't</c>

00:20:25.599 --> 00:20:25.609 align:start position:0%
that we construct our world doesn't
 

00:20:25.609 --> 00:20:28.450 align:start position:0%
that we construct our world doesn't
necessarily<00:20:26.210><c> translate</c><00:20:27.309><c> continued</c><00:20:28.309><c> stay</c>

00:20:28.450 --> 00:20:28.460 align:start position:0%
necessarily translate continued stay
 

00:20:28.460 --> 00:20:30.009 align:start position:0%
necessarily translate continued stay
home<00:20:28.700><c> breach</c><00:20:29.119><c> this</c><00:20:29.359><c> Financial</c><00:20:29.899><c> Inclusion</c>

00:20:30.009 --> 00:20:30.019 align:start position:0%
home breach this Financial Inclusion
 

00:20:30.019 --> 00:20:32.919 align:start position:0%
home breach this Financial Inclusion
devil<00:20:30.679><c> rather</c><00:20:31.039><c> than</c><00:20:31.220><c> extending</c><00:20:31.519><c> it</c><00:20:31.840><c> in</c><00:20:32.840><c> the</c>

00:20:32.919 --> 00:20:32.929 align:start position:0%
devil rather than extending it in the
 

00:20:32.929 --> 00:20:34.659 align:start position:0%
devil rather than extending it in the
scheme<00:20:33.139><c> of</c><00:20:33.169><c> things</c><00:20:33.320><c> many</c><00:20:34.039><c> of</c><00:20:34.159><c> the</c><00:20:34.249><c> systems</c>

00:20:34.659 --> 00:20:34.669 align:start position:0%
scheme of things many of the systems
 

00:20:34.669 --> 00:20:36.249 align:start position:0%
scheme of things many of the systems
that<00:20:34.789><c> you</c><00:20:35.149><c> and</c><00:20:35.299><c> I</c><00:20:35.359><c> work</c><00:20:35.659><c> with</c><00:20:35.809><c> on</c><00:20:35.929><c> a</c><00:20:35.960><c> day</c><00:20:36.109><c> to</c><00:20:36.139><c> day</c>

00:20:36.249 --> 00:20:36.259 align:start position:0%
that you and I work with on a day to day
 

00:20:36.259 --> 00:20:39.159 align:start position:0%
that you and I work with on a day to day
basis<00:20:36.679><c> they</c><00:20:37.580><c> won't</c><00:20:37.820><c> listen</c><00:20:38.059><c> hey</c><00:20:38.479><c> I</c><00:20:38.690><c> hope</c><00:20:38.960><c> you</c>

00:20:39.159 --> 00:20:39.169 align:start position:0%
basis they won't listen hey I hope you
 

00:20:39.169 --> 00:20:41.229 align:start position:0%
basis they won't listen hey I hope you
on<00:20:39.289><c> a</c><00:20:39.320><c> legal</c><00:20:40.070><c> past</c><00:20:40.549><c> born</c><00:20:40.820><c> and</c><00:20:40.970><c> went</c><00:20:41.119><c> through</c>

00:20:41.229 --> 00:20:41.239 align:start position:0%
on a legal past born and went through
 

00:20:41.239 --> 00:20:43.359 align:start position:0%
on a legal past born and went through
this<00:20:41.389><c> likely</c><00:20:41.899><c> bizarre</c><00:20:42.229><c> experiences</c><00:20:42.889><c> with</c>

00:20:43.359 --> 00:20:43.369 align:start position:0%
this likely bizarre experiences with
 

00:20:43.369 --> 00:20:45.489 align:start position:0%
this likely bizarre experiences with
direct<00:20:43.639><c> money</c><00:20:44.119><c> using</c><00:20:44.269><c> my</c><00:20:44.450><c> credit</c><00:20:44.720><c> card</c><00:20:44.929><c> but</c><00:20:45.349><c> it</c>

00:20:45.489 --> 00:20:45.499 align:start position:0%
direct money using my credit card but it
 

00:20:45.499 --> 00:20:48.149 align:start position:0%
direct money using my credit card but it
worked

00:20:48.149 --> 00:20:48.159 align:start position:0%
 
 

00:20:48.159 --> 00:20:51.159 align:start position:0%
 
but<00:20:49.159><c> for</c><00:20:49.369><c> me</c><00:20:49.549><c> where</c><00:20:50.090><c> I</c><00:20:50.119><c> live</c><00:20:50.479><c> and</c><00:20:50.599><c> work</c><00:20:50.779><c> this</c><00:20:51.019><c> is</c>

00:20:51.159 --> 00:20:51.169 align:start position:0%
but for me where I live and work this is
 

00:20:51.169 --> 00:20:53.469 align:start position:0%
but for me where I live and work this is
not<00:20:51.379><c> the</c><00:20:51.499><c> case</c><00:20:51.710><c> for</c><00:20:52.220><c> many</c><00:20:52.399><c> emerging</c><00:20:52.940><c> economies</c>

00:20:53.469 --> 00:20:53.479 align:start position:0%
not the case for many emerging economies
 

00:20:53.479 --> 00:20:55.149 align:start position:0%
not the case for many emerging economies
for<00:20:53.749><c> many</c><00:20:53.929><c> markets</c><00:20:54.379><c> in</c><00:20:54.529><c> the</c><00:20:54.590><c> global</c><00:20:54.950><c> south</c>

00:20:55.149 --> 00:20:55.159 align:start position:0%
for many markets in the global south
 

00:20:55.159 --> 00:20:57.879 align:start position:0%
for many markets in the global south
this<00:20:55.789><c> is</c><00:20:55.999><c> not</c><00:20:56.210><c> the</c><00:20:56.359><c> case</c><00:20:56.539><c> but</c><00:20:57.259><c> in</c><00:20:57.409><c> some</c><00:20:57.710><c> ways</c>

00:20:57.879 --> 00:20:57.889 align:start position:0%
this is not the case but in some ways
 

00:20:57.889 --> 00:20:59.260 align:start position:0%
this is not the case but in some ways
bloodshed<00:20:58.519><c> is</c><00:20:58.639><c> actually</c>

00:20:59.260 --> 00:20:59.270 align:start position:0%
bloodshed is actually
 

00:20:59.270 --> 00:21:01.120 align:start position:0%
bloodshed is actually
suited<00:20:59.690><c> to</c><00:20:59.870><c> those</c><00:21:00.050><c> communities</c><00:21:00.650><c> than</c><00:21:00.890><c> it</c><00:21:01.010><c> is</c>

00:21:01.120 --> 00:21:01.130 align:start position:0%
suited to those communities than it is
 

00:21:01.130 --> 00:21:02.650 align:start position:0%
suited to those communities than it is
to<00:21:01.400><c> those</c><00:21:01.580><c> of</c><00:21:01.760><c> us</c><00:21:01.940><c> who</c><00:21:02.450><c> have</c><00:21:02.630><c> the</c>

00:21:02.650 --> 00:21:02.660 align:start position:0%
to those of us who have the
 

00:21:02.660 --> 00:21:05.020 align:start position:0%
to those of us who have the
infrastructure<00:21:03.320><c> working</c><00:21:03.800><c> just</c><00:21:03.980><c> fine</c><00:21:04.190><c> for</c><00:21:05.000><c> us</c>

00:21:05.020 --> 00:21:05.030 align:start position:0%
infrastructure working just fine for us
 

00:21:05.030 --> 00:21:08.500 align:start position:0%
infrastructure working just fine for us
as<00:21:05.360><c> we</c><00:21:05.630><c> pay</c><00:21:05.870><c> and</c><00:21:06.170><c> as</c><00:21:06.290><c> we</c><00:21:06.470><c> travel</c><00:21:07.300><c> this</c><00:21:08.300><c> is</c><00:21:08.480><c> a</c>

00:21:08.500 --> 00:21:08.510 align:start position:0%
as we pay and as we travel this is a
 

00:21:08.510 --> 00:21:10.780 align:start position:0%
as we pay and as we travel this is a
solution<00:21:08.960><c> now</c><00:21:09.320><c> that</c><00:21:09.590><c> has</c><00:21:09.740><c> grown</c><00:21:10.040><c> out</c><00:21:10.370><c> of</c><00:21:10.400><c> one</c>

00:21:10.780 --> 00:21:10.790 align:start position:0%
solution now that has grown out of one
 

00:21:10.790 --> 00:21:12.750 align:start position:0%
solution now that has grown out of one
of<00:21:10.820><c> the</c><00:21:11.000><c> world's</c><00:21:11.210><c> most</c><00:21:11.540><c> remote</c><00:21:12.050><c> communities</c>

00:21:12.750 --> 00:21:12.760 align:start position:0%
of the world's most remote communities
 

00:21:12.760 --> 00:21:15.610 align:start position:0%
of the world's most remote communities
this<00:21:13.760><c> is</c><00:21:13.940><c> happening</c><00:21:14.450><c> right</c><00:21:14.480><c> now</c><00:21:14.690><c> and</c><00:21:15.170><c> we</c>

00:21:15.610 --> 00:21:15.620 align:start position:0%
this is happening right now and we
 

00:21:15.620 --> 00:21:18.700 align:start position:0%
this is happening right now and we
absolutely<00:21:16.000><c> intend</c><00:21:17.000><c> to</c><00:21:17.630><c> extend</c><00:21:18.110><c> this</c><00:21:18.260><c> both</c><00:21:18.530><c> as</c>

00:21:18.700 --> 00:21:18.710 align:start position:0%
absolutely intend to extend this both as
 

00:21:18.710 --> 00:21:20.770 align:start position:0%
absolutely intend to extend this both as
partners<00:21:19.160><c> but</c><00:21:19.460><c> also</c><00:21:19.640><c> with</c><00:21:20.000><c> these</c><00:21:20.180><c> communities</c>

00:21:20.770 --> 00:21:20.780 align:start position:0%
partners but also with these communities
 

00:21:20.780 --> 00:21:22.630 align:start position:0%
partners but also with these communities
in<00:21:21.020><c> order</c><00:21:21.290><c> to</c><00:21:21.440><c> enable</c><00:21:21.650><c> one</c><00:21:22.070><c> community's</c>

00:21:22.630 --> 00:21:22.640 align:start position:0%
in order to enable one community's
 

00:21:22.640 --> 00:21:25.360 align:start position:0%
in order to enable one community's
experience<00:21:23.300><c> to</c><00:21:24.050><c> grow</c><00:21:24.290><c> and</c><00:21:24.710><c> develop</c><00:21:25.040><c> and</c>

00:21:25.360 --> 00:21:25.370 align:start position:0%
experience to grow and develop and
 

00:21:25.370 --> 00:21:27.520 align:start position:0%
experience to grow and develop and
improve<00:21:25.820><c> the</c><00:21:26.030><c> next</c><00:21:26.360><c> humanitarian</c><00:21:27.110><c> response</c>

00:21:27.520 --> 00:21:27.530 align:start position:0%
improve the next humanitarian response
 

00:21:27.530 --> 00:21:29.980 align:start position:0%
improve the next humanitarian response
but<00:21:28.220><c> also</c><00:21:28.250><c> to</c><00:21:28.580><c> inform</c><00:21:29.180><c> the</c><00:21:29.330><c> next</c><00:21:29.450><c> community</c>

00:21:29.980 --> 00:21:29.990 align:start position:0%
but also to inform the next community
 

00:21:29.990 --> 00:21:32.650 align:start position:0%
but also to inform the next community
that's<00:21:30.320><c> going</c><00:21:30.560><c> to</c><00:21:30.710><c> engage</c><00:21:30.860><c> with</c><00:21:31.280><c> the</c><00:21:31.370><c> tech</c><00:21:31.660><c> we</c>

00:21:32.650 --> 00:21:32.660 align:start position:0%
that's going to engage with the tech we
 

00:21:32.660 --> 00:21:34.960 align:start position:0%
that's going to engage with the tech we
believe<00:21:32.990><c> that</c><00:21:33.860><c> the</c><00:21:34.070><c> nature</c><00:21:34.400><c> of</c><00:21:34.430><c> blockchain</c>

00:21:34.960 --> 00:21:34.970 align:start position:0%
believe that the nature of blockchain
 

00:21:34.970 --> 00:21:37.840 align:start position:0%
believe that the nature of blockchain
development<00:21:35.600><c> should</c><00:21:36.380><c> be</c><00:21:36.560><c> inclusive</c><00:21:36.980><c> not</c>

00:21:37.840 --> 00:21:37.850 align:start position:0%
development should be inclusive not
 

00:21:37.850 --> 00:21:38.680 align:start position:0%
development should be inclusive not
exclusive

00:21:38.680 --> 00:21:38.690 align:start position:0%
exclusive
 

00:21:38.690 --> 00:21:40.870 align:start position:0%
exclusive
the<00:21:39.350><c> system</c><00:21:39.830><c> of</c><00:21:40.070><c> delivering</c><00:21:40.610><c> humanitarian</c>

00:21:40.870 --> 00:21:40.880 align:start position:0%
the system of delivering humanitarian
 

00:21:40.880 --> 00:21:43.990 align:start position:0%
the system of delivering humanitarian
assistance<00:21:41.600><c> is</c><00:21:42.110><c> absolutely</c><00:21:42.830><c> no</c><00:21:43.040><c> exception</c><00:21:43.820><c> to</c>

00:21:43.990 --> 00:21:44.000 align:start position:0%
assistance is absolutely no exception to
 

00:21:44.000 --> 00:21:46.450 align:start position:0%
assistance is absolutely no exception to
this<00:21:44.120><c> rule</c><00:21:44.180><c> and</c><00:21:44.750><c> so</c><00:21:45.440><c> the</c><00:21:45.590><c> final</c><00:21:45.860><c> takeaway</c><00:21:46.250><c> here</c>

00:21:46.450 --> 00:21:46.460 align:start position:0%
this rule and so the final takeaway here
 

00:21:46.460 --> 00:21:49.630 align:start position:0%
this rule and so the final takeaway here
is<00:21:46.850><c> if</c><00:21:47.240><c> we</c><00:21:47.420><c> can</c><00:21:47.630><c> do</c><00:21:47.810><c> this</c><00:21:48.050><c> in</c><00:21:48.740><c> a</c><00:21:48.920><c> place</c><00:21:49.100><c> like</c><00:21:49.160><c> run</c>

00:21:49.630 --> 00:21:49.640 align:start position:0%
is if we can do this in a place like run
 

00:21:49.640 --> 00:21:52.020 align:start position:0%
is if we can do this in a place like run
water<00:21:49.880><c> then</c><00:21:50.810><c> there</c><00:21:51.020><c> is</c><00:21:51.110><c> absolutely</c><00:21:51.890><c> zero</c>

00:21:52.020 --> 00:21:52.030 align:start position:0%
water then there is absolutely zero
 

00:21:52.030 --> 00:21:54.520 align:start position:0%
water then there is absolutely zero
excuse<00:21:53.030><c> for</c><00:21:53.480><c> those</c><00:21:53.690><c> who</c><00:21:53.990><c> are</c><00:21:54.170><c> at</c><00:21:54.350><c> this</c>

00:21:54.520 --> 00:21:54.530 align:start position:0%
excuse for those who are at this
 

00:21:54.530 --> 00:21:56.320 align:start position:0%
excuse for those who are at this
conference<00:21:54.860><c> and</c><00:21:55.250><c> elsewhere</c><00:21:55.640><c> are</c><00:21:55.850><c> working</c><00:21:56.180><c> on</c>

00:21:56.320 --> 00:21:56.330 align:start position:0%
conference and elsewhere are working on
 

00:21:56.330 --> 00:21:58.270 align:start position:0%
conference and elsewhere are working on
blockchain<00:21:56.600><c> to</c><00:21:57.530><c> not</c><00:21:57.740><c> engage</c><00:21:58.040><c> with</c>

00:21:58.270 --> 00:21:58.280 align:start position:0%
blockchain to not engage with
 

00:21:58.280 --> 00:22:01.630 align:start position:0%
blockchain to not engage with
communities<00:21:58.970><c> and</c><00:21:59.000><c> go</c><00:21:59.330><c> that</c><00:21:59.540><c> extra</c><00:21:59.720><c> mile</c><00:22:00.640><c> thank</c>

00:22:01.630 --> 00:22:01.640 align:start position:0%
communities and go that extra mile thank
 

00:22:01.640 --> 00:22:06.580 align:start position:0%
communities and go that extra mile thank
you

00:22:06.580 --> 00:22:06.590 align:start position:0%
 
 

00:22:06.590 --> 00:22:13.550 align:start position:0%
 
[Applause]