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Radio show date 10-07-2022

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John C. Morley: (00:09)

Hi everyone. I'm John C. Morley, the host of the JMOR Tech Talk Show and inspirations for your life.


 John C. Morley: (01:01)

Well, hey everyone, it is John C. Morley here, serial entrepreneur, and welcome to another great edition of the JMOR Tech Talk show. Can you believe it, everyone? We are on the first Friday of October. You know, I was saying this, that, where did June go? Where did July go? Where did August go? Where did the whole summer go, everyone? That's what I want to know. I mean, it's absolutely crazy. So we have a great show for you tonight and just a lot to share about technology and what's happening. So let's kick it off and get right into this. All right first thing is Spotify buys a moderation firm. This is interesting. So, Spotify's, I guess, getting a little more serious about harmful content on its platform, and this new audio streaming player has acquired the Dublin base, Kinson, a content moderation tech firm, and has been working with them since 2020.


 John C. Morley: (02:02)

And the terms of the deal were not fully disclosed, but they were founded in 2017. And Kinson has grown from moderating election-related content to targeting misinformation, disinformation, and hate speech, according to rotors. So this is interesting, and it's now going to position Spotify's announcement that they made in June. That's really going to change the form of now being part of the Safety Advisory Council to aid the decisions about content moderation. So this is really interesting. I think it's a step in the right direction, and I'm happy to see that Spotify is taking this leap. And I think more content platforms are going to do something similar because it's going to really be dictating the fate of where the company's going to go and do they really care about the content or they pretty much do not care about the content. So that's something that I think we have to stay tuned to.


 John C. Morley: (03:04)

So definitely stay tuned to that, and really happy about Spotify doing that. I think that's a great, great move. Something else in the news guest shares a terrible experience exiting Disney's Animal Kingdom. All right, this is interesting because, you know, we don't really hear a lot of this, but you know, there was a guest that was actually at Animal Kingdom and several other guests, and they were asked to evacuate. Adults and kids were asked to literally walk up a ladder and walk through the ground. Apparently, one of the tires had buckled out, and the lions were around, and they quickly got everyone out to safety. But, you know, it's interesting because Walt Disney didn't do anything but give everyone one free, fast-lane pass.


 John C. Morley: (04:10)

I don't know. This open aired vehicle going through in the blue yonder of the Disney animal plethora has some risks. And they house 34 species that roam free on 110 acres of land. And the animals include crocodiles, wild beasts, lions, elephants, hippopotami, and black rhinoceroses, and really interesting to see what they're doing. But I was just surprised that more care didn't go into it. I guess the maintenance and the upkeep of these vehicles because something like this should have been caught, obviously, before they were on the trail. So not too happy with Disney Air, but I did want to share that story with you, and at least no one got hurt. But unfortunately, people had to go through many extra hodgepodges to get themselves to safety. So again, not a very good thing, but I'm happy everyone did get out in a very, very safe manner.


 John C. Morley: (05:22)

So Google's ex exploring your data, and here's proof and what I really should say when I say the word exploring, I shouldn't really say exploring. I should really say they are exploiting your data, okay? Because exploring is great, but really it's exploiting your data, and here's the proof. So there was an ex-Google ad boss, and he's now building a tracker-free search engine. So Google, as you know, does compile a lot of data on everyone. I think it's a great idea that you use search engines, as you know, the duck and stuff like that, because I feel that, unfortunately, Google can be bought. Duck dot go is a great free search engine that you can use that doesn't track you, even gives you some statuses on the side if you have the plugin installed with your browser to let you know whether you're an A, B, C, D, it gives you like a rating on this, on the privacy of that site.


 John C. Morley: (06:29)

So I'm not impressed with Google. I mean, I know that they help rank pages and stuff like that, but I don't know. I feel that it worries me because they're more concerned about making money than people's safety and security. So, I mean, that's just the truth. Just the other day, I was having a conversation with one of the supposedly Google Ad specialists. Still, what I learned about these Google Ad specialists and, being quite honest here, I've used Google for quite a long time. I've used Google Ads for quite a long time, and you know, we tested this out, and they said, you know, we can guarantee you that, you know, we're going to build you a much better ad, and we're going to get you better traffic. I have to tell you, the person that I originally was talking to, the triage person was nothing but a con artist.


 John C. Morley: (07:28)

He was like, well, this is the way it will be. If you don't like it, then you know we won't work with you. I mean, he was just like this, how can I say, egotistical person. And the other interesting thing about Google is that they don't hire people to work for Google. They have outside companies that are like contractors. So when you deal with these companies, it's like almost impossible. You deal with these people from all over the world, and then they don't call you back whenever you want. They don't understand the time zones, and it's always a mess. And then, if you try to message them, you can't get back to them because they're at Google, and I guess Google can get back to you if and when they ever want to. So not really in love with the way they did that.


 John C. Morley: (08:14)

And I was unhappy with my campaign several weeks ago. Tried to get in touch with them. Of course, nobody got back to me. There was no way to message them because my message was still in a queue waiting. And the person several weeks ago never showed up to my meeting. He didn't even bother to call me or anything. And every time you call them because you can only call one number for the Google ads team, you get some people who are not in our country. They ask 50 million questions, not 50 million, but they ask you a lot. It takes about five or 10 minutes, and they're just so inefficient. And the thing that really got me was when I started looking at my Google ad campaign, I was like, they don't even have the town, right? So my town is Franklin Lakes, they put Franklin.


 John C. Morley: (08:59)

I'm like, are these people for real? These are supposed to be Google ad specialists, and they're Google ads. I don't know. I just call them Google ad wannabes because they don't know what they're doing. They make it sound like they're so great, but you could probably do better. I did better. You know, but I still would've done better if I didn't have experience. And what they do is they get your campaign to spend money. So it looks like it's doing well, but I want to share a tip with you. Your campaign's going to crash and burn if you don't get conversions in the first seven days or sooner. Why do I say that? So when you get Google, they want you to commit to spending usually at least $15 a day, but then they always try to up it to more. And they tell you that they're going to build this amazing Google campaign for you.


 John C. Morley: (09:58)

The first guy kind of, you know, sings your song in a dance for two or three days. Two or three days later, the guy who was talking all about it knew nothing. He was just a triage person, but he really had no knowledge. He sends you off to somebody else who says, oh, you're going to speak to a Google ad specialist. Yeah, wow. They're horrible. And so I spoke to one who explained my challenges, and all they did was just set my campaign to reach some very high sites, but they weren't targeted. Like they just picked sites that were going to spend my money. And so that's the problem I have with them. Maybe they do some good things. Maybe they have some good searches. But I have to tell you the Google Ads team is not like the way it used to be many years ago.


 John C. Morley: (10:46)

Now you can blame it on the pandemic, you can blame it on so many things, but the truth of the matter is they're just out to get your money. I had another friend of mine that actually tried to create a Google ad account, and they did. And then, they tried to set up their payment. Well, unfortunately, the person put the wrong information in a spot. It was an innocent mistake. Do you know what they did to my friend? They actually suspended the account. He messaged them back, explained what happened, messaged them again, and finally, after four weeks, he got a message back saying the account would stay suspended. I mean, who are these people? Like, just because they can help us find things on the web doesn't mean they should act like that. And I don't know if it's Google's actual motto to be doing things like this or if Google's unaware of how their contractors treat their clients like crap. They're losing clients.


 John C. Morley: (11:48)

I can tell you that. And they're very good at getting your campaign to spend money, but they're lousy about getting it to convert. In fact, they'll probably tell you that, oh, the reason your campaign's not doing well you gotta spend more money. Well, any idiot can tell you that. But if it's not targeted properly, for example, if I'm targeting tech, they had me on movie sites. They had me on sites that were not even related to the people in my business, not even business owners. I'm like, come on, Google. So I just decided I wouldn't waste any more time with them. He called me back this triage guy I originally spoke to, who was absolutely horrible. I'd be ashamed to say that I was part of the Google team because he did such a bad job.


 John C. Morley: (12:42)

And I told him I was done with him. And he basically said, well, can I get some feedback? I said sure. I said, how, how horrible and lousy you guys. Absolutely. I'll be happy to be sure how lousy you are. And I explained to him how you guys really don't know what you're doing. You just kind of con people. Maybe that's not your intent, but you really don't know about people's businesses, and you try to make them believe that you're going to be their magic bullet and help them. And I just have to tell you that if you had the premonition as I did, they would be like the saving grace, like they were going to help you. They're not. They're just going to get your campaign to spend lots of money very, very quickly. And if you don't spend money very quickly, they will stop bothering you.


 John C. Morley: (13:32)

And when I told them that the campaign I built actually performed better than the ones they built, they denied it. So maybe Google doesn't know what they're doing. Maybe they do; I don't know. But all I know is that if I was the head of Google and had these outsourced companies working for me, and I saw what they were doing, I would fire them because they don't even know what's happening. Somebody that couldn't even listen to a video call and watch it and hear and see an email, that's that said, the towns that I want to target, they just put things that were close. That's not a good job. And then they take days to get back to you. I mean, days, it's just a joke. There are much better ways to advertise than using Google AdWords.


 John C. Morley: (14:25)

You know, they don't even let you now target certain types of business anymore. Like a tech company, I can't say we do tech support because they've had all these scam problems. I don't know. I'm very disappointed with you guys. Google, I just use you for what I use you for, and that's it. But I don't really bank on you to make my money because, at the end of the day, you know, you're a company with information, and you're all about money. You're not about helping my site get better. And as my site does grow, you're going to serve me up anyway because if you don't, you're going to look like a fool. So if I have great quality content, of course, Google's going to serve it up. I mean, they have to, right? And if they don't, I don't care because I got so many other platforms. I mean, just on Facebook alone, I had close to 35,000 views. So Google, I don't know what you're doing. I don't know why your ad service is the way it is, but I'm not happy with it. Why?


 John C. Morley: (15:34)

First of all, this isn't just me, but this is a lot of people. There is a gentleman here, and I'm going to read you verbatim what he says. I'm not going to give you his name, but I'm going to quote exactly what he says. He wrote something on February 4th, 2022, “why Google Ads support sucks and there's nobody with any power in the US to speak to” quote, “I originally had this amazing ad specialist in India dedicated to my account which was pleasant and knowledgeable. We worked together for close to two years to get my ads up to where I wanted. I increased my ads spend significantly and then was reassigned to the Google ads call center in India, where the service is terrible. And if they can't answer your questions, they politely hang up on you and then completely hang up the call before you can review them. I have searched endlessly for contact information to speak to a higher up to discuss these issues and get nowhere. I've called Google in the US and can't get anywhere. I have even asked the call center who plays a game. I'm not allowed to transfer calls, there's no manager to speak to. I'm just about ready to completely cancel all my ads and dedicate all of the thousands I spend every month on Google ads to other platforms like Facebook who give you a dedicated ad specialist in the US with knowledge and who can treat you with respect. In fact, in shutting off all my ads as soon as I am done typing this message, does anyone have an email or phone number for the mag in the United States in charge of Google Ads accounts?” I want to tell you that Facebook is not all peaches and cream. You're better off doing what you want to do on there as well, like yourself, okay? So what I want to share with you is that here's another complaint.


 John C. Morley: (17:47)

So there are lots of complaints from these people, okay? This is what the product expert from Google said: "Hi, I understand your frustration. I'm pretty familiar with the Google ad support lines. And unless you're starting a new account, you'll be hard pressed to find someone to specifically talk to about your issue other than your assigned account strategist. They review account assignments on a quarterly basis. So next one would be up for review at the beginning of April. Is there anything we can help you with in the community forum? So really, what they're trying to do is get you to figure out how to spend money fast. That that's really what it's about. There's no escalation process. There's really no way of anything. I don't want you to think that Facebook is the best either, but you can get a lot more banged for your buck on Facebook.”


 John C. Morley: (18:45)

I mean, this is the truth. So I've had this experience, my clients have had this experience, and they used to be good, but whatever happened, I don't know, they blame it on the fact that they don't have staff, they have all this money, but they can't hire staff. They hire these subservient people that can't even figure out their way through a paper bag. I mean literally. And when they don't have an answer to your question, they hang up on you. I mean, is that soccer, or is that just rude? I think that's rude. So definitely wanted to share that with you. And again, I'm not the only one that had been frustrated with them, but when I told them that I would no longer be spending my ad campaign budget with them and I had to run, and I said goodbye, I'll probably never hear from them again. Very, very disappointed. They're a micromanaged company, but they just give terrible results. They're about one thing, ladies and gentlemen, and that's about money. That's all they're about. They're about money. That's it. And a story. Alright, so imagine ladies and gentlemen riding around San Francisco in a driverless taxi.


 John C. Morley: (19:58)

What would that be like? Think about that for a moment, right? Pretty cool. All right. So in San Francisco, a futuristic pilot is now taking place. As I just explained to you, driverless robot taxis are being allowed at night for paying members of the public. This company says cars will revolutionize transport. But critics say putting fully autonomous taxis on urban streets is premature and dangerous.


 John C. Morley: (20:37)

Right now, there's a lot more r and d that has to go into this, and I think a lot of people want to jump this way, but it's not the right method. It's not the right method because there are too many variables that we don't know on the streets, from, let's say, light levels to other approaching cars. We've already seen several cars that do autonomous driving that isn't taxis, but just their driverless cars have accidents, and they say, well, that's just an anomaly. Okay, fine. So you want to be sitting in a car, and I'm sorry we didn't, we didn't figure out that. Yeah, that was another anomaly. We didn't know that you know when the light was actually green and the other one was turning red at the same time. We might not be able to anticipate that and suddenly go through the light.


 John C. Morley: (21:34)

I'm just making this up, but my point is that these cars are not ready for the road. I mean, no way. Are they ready for the road? I mean, I think it's a problem. I think it's a big problem. And we saw what happened not too long ago with that emergency vehicle that couldn't get anywhere because it was being hindered by this driverless taxi. So, ugh, big problems. I'm not a fan of them yet. I think they may have some potential in the future, but I think a lot more r and d have to go through. And I also think we need to limit the roads they're on. So let's say that they're in a test community, and maybe they're on for certain times so we can test them. I would recommend that during the day, we test certain areas, maybe some back roads, but maybe not on the main roads yet.


 John C. Morley: (22:27)

So we would want them to drive on, let's say, non-major highways, but back backstreets. And let's just see how they navigate that plane. And if they do, great, but I think we need to step back if they don't. I think it's really about the investors right now, and they're the ones that are pushing these cars to hit the road sooner than they're really ready. And you know, if they hit the road sooner than a radio, you know what's going to happen. Ladies and gentlemen, we're going to have a big problem. And the problem we're going to have is accidents. I mean, that's no surprise, hopefully, for anyone to know. And some other interesting news, we've talked about this once before the EU parliament approved common charging cable in 2024. We talked about this before that u SBC charger, right? Besides, Apple's proprietary lightning cable would now be required, and smartphones and tablets, including the Apple iPhone and iPad, would have to use a USBC charger from 2024, while laptop manufacturers would have until 2026 to make the switch to the USBC charger.


 John C. Morley: (23:41)

There were 602 votes in favor and 13 against, with eight abstaining. Obviously, we know that motion passed, right? So members stated that you know, being that this was granted not too long ago, it's going to make technology easier, and I think it's going to create a pathway with a lot less confusion. So I'm happy to see that this got done. I know this was a lot of red tape for people. You know, which charger do I need again, and how many cables do I need to pull out my draw, right? So now we're going to have something a little better. So I'm happy to see that, and I'm going to give a kudos to the EU parliament for definitely coming around with that idea. Good idea, everyone. So here's something interesting. Imagine streaming videos, right? Like we do all the time, but how about a streaming video that could actually produce heat in people's homes?


 John C. Morley: (24:50)

Hmm, that sounds interesting, but how would that work? That's a great question, ladies, and gentlemen, and I'm going to share that with you right now. So when we use a computer, we obviously create heat. Where else is there a lot of heat in data centers? But you probably didn't know that data centers waste a lot of heat. Yes, huge amounts of heat are dissipated by servers and, as I said, oftentimes wasted. But there's one particular data center in Denmark that's now providing hot water and warmth to people's homes. How do they really do this simply? So they take the hot air that's coming off the servers, and they push that up to the roof to over 200 plus heat exchangers and tubes. And they then take that, raising it to a higher temperature and pushing it back out. So they're actually taking the city's water, if you will, coming in, and then they're pushing it back out hot.


 John C. Morley: (26:09)

And that's how they're getting there, you know, their, their steam heat. Pretty cool. Innovation. I think this is something that we're going to see around the globe. It's definitely a very intelligent idea, and it shows that if we put our heads together, we can use technology to not only empower us but keep us a lot more efficient in the things that we do every day for ourselves and for keeping our environment clean. Alright? So another interesting story is the jury finds the former Uber security chief guilty of concealing a data bridge. Oh, this is just really great. So you all remember the San Francisco jury, and they had found, you know, some cause for this, but later they went back, and actually it was actually just a few days ago the San Francisco jury found the Uber Technologies Inc. former chief Security officer, Joseph Sullivan, guilty of criminal obstruction for failing to report a 2016 cybersecurity incident to the authorities. A spokesperson from the Department of Justice confirmed this just recently. So when we think about this, we have to ask ourselves, you know, what's going on? Why do companies like this try to hide the information like this? Why?


 John C. Morley: (27:45)

I think it comes down to the fact that they're afraid. Okay? And this data breach in 2016 at the Uber facilities actually affected, get this, ladies and gentlemen, not 1 million, not 2 million, not 5 million, 57 million passengers and drivers. Ouch. Sullivan was fired from Uber in 2017, and he was found guilty on two counts: obstruction of justice and deliberate concealment, which is a felony. And so, it was interesting to see how this all played out, but Uber is accepting the responsibility. So it seems like this is not the culture of Uber in what they're attempting to do. And once they did learn about it, they were responsible. So I think we can't ask more of Uber, but we have to be cognizant of who our CSO is, who our CIOs are, and whether they are concealing information. Do we have reports of what's going on? Are we all aware of data breaches in the company at the executive level? We should be.


 John C. Morley: (29:11)

Data breaches happen every single day in our world. And this data breach that happened caused a big problem in cybersecurity after the smaller breach in 2004 that saw hackers access approximately 50,000 consumers' personal information. I think people don't realize it's not just about money; it's about privacy and security. Now, I'm not going to mention the other company because it's not in any legal proceedings yet. Still, there is another company out there, you know, that does, let's say, drive for deliveries for restaurants besides Uber. And this particular restaurant had a major breach, and now people are still entering information into their app. I would want some kind of, I don't know, assurance that they've done anything, but they haven't published anything that they've solved the issue. I'm not going to tell you who it is, but I think this becomes a major problem for companies, for individuals, right? And what do these companies do? Oh, we'll give you one free year of identity watch protection. Big deal, right? Big deal. People don't realize that once the damage is done, it's done. And this can be a major major problem for people. You can't just get out of this in 20 minutes. This is something that could take people months or even longer, like years, to get out of.


 John C. Morley: (31:11)

I think it just comes down to a question of sometimes people being lazy. That's what it comes down to. Many tech companies are guilty of laziness, and not all of them, but I'm going to say some. And it's because they don't quite get what's going on, right? They don't quite get what's going on. And so now that we understand that, hopefully, you can understand what's going on, I feel that a lot of people get concerned. They're concerned because of how it's going to impact them as an individual. But I don't think companies understand what it means to be taking accountability and responsibility. That's the truth. I mean, we all know that cyber threats are around all the time, right? But do people really take the time to understand what went wrong and what we need to do to make sure things are okay? And I'm going to have to tell you the answer is no, not because they don't want to. Sometimes it's because they don't know how something is. It's because they don't have the resources, right? We all know about the Yahoo data breach that happened from 2013 to 2016, right? We know about the collection data breach in 2019. 2.2 billion user names and associated passwords, right?


 John C. Morley: (34:04)

The Adhar data breach in 2018. The FDR, First American Financial Corporation, which does so many transactions for credit cards, data breached 885 million records


 John C. Morley: (34:26)

Breaches with verification sites, even a breach from the people that do your credit report. In 2017, 605 million records of 147 million people. There was a Facebook dated breach in 2019, 540 million records. Crazy. There was a breach, ladies and gentlemen. Marriott had a data breach. 2018 500 million records. There was the friend finder dating network data breach of 2016, 412 million user accounts, and the US voter data breach in 2017 on 198 million American voters. So these numbers are alarming. And so I think, as I've said before, it's not a question of if you're going to get attacked, but when if you're not properly protected. Now when we think about, you know, data breaches, we think about different things happening; it all comes down to accountability and responsibility. However, accountability and responsibility seem to just get swept under the rug when there is no financial or fiduciary responsibility. Let me explain that. So let's say your company x, y, z had a data breach, and you're not doing the right thing by notifying people, which is what you should do.


 John C. Morley: (36:10)

However, if that company now has a fine imposed on it or is threatened that it will have a fine if they do not disclose that they have a data breach, suddenly, people want to become accountable. Not because they want to but because they have to. I think the biggest problem in cybersecurity right now is that people react not because they want to, but because they have to. In cybersecurity, every day, I react because I want to stay safe. Not because I have to, I want to be ahead of the curve all the time. But too many people out there feel that it'll never happen to me. I'm just taking some photos or, you know, I don't really have much on my computer. If they get anything, it's okay.


 John C. Morley: (37:10)

Or I don't really have much in that account, you know, I'll just get a new credit card. I don't think you realize what it means when your data gets exposed. What I want to share with you right now is something really, really shocking. How long, if I asked you right now, ladies and gentlemen, how long does it take to fix? You know what I'm going to say, don't you? How long does it take to fix identity? It can take anywhere from hundred to 200 hours over six months or more. And the recovery process may involve working with the three major credit bureaus to request a fraud alert, reviewing credit reports to pinpoint fraudulent activity, and so much more.


 John C. Morley: (38:08)

If this ever happens to you, the most important thing I want to share is to document everything. So I, as a cyber fraud investigator or other cyber fraud investigators, can help you because I think what happens is even though we want to remember things, the memory of your mind actually reconstructs things, but maybe not in the same way that it happened. So it's important to get that stuff on paper as quickly as possible. I mean, that is just so vital. I cannot explain it to you anymore. Having the intent and a corporate culture that believes in protecting your data, that wants to make sure that your data's protected, and the data of all the customers they serve. You see, that's a good company to work for. You probably worked for a company before where they take a credit card, write down a piece of paper, and shove it in a drawer, and then later, they just burn it or shred it.


 John C. Morley: (39:12)

See, that's not ethical. When you use a provider like and store a credit card number, you don't store it on your system; they store it as a secure record, and you send them a key based on this information to allow it to be used. But the credit card number can never be viewed on your server. It's encrypted on their server. So I think many people don't take the time, don't bother to keep their own and their customer's information safe because they figure out, well, what's the big deal? Or they'll keep their own stuff safe, but they won't keep their customers stuff safe. See, that's the problem I have. Identity fraud can happen like that. And if you're unaware of what's happening, that's a big problem. That's a very big problem. And we know that cyber fraud is growing in our world every single day.

Why? Because people are letting others get away with it. I was talking to a neighbor the other day, and our neighborhood got 32 cars stolen in a few months. Why? The cars were left in the driveway or in the garage, and the keys were left in the car. You're probably saying, well, how did that happen? Well, they're inside jobs. Maybe they were landscapers, maybe they did work on the property, et cetera, and they knew the garage access code and things like that. So I want to share another thing with you that's really vital tonight. Suppose you have people you don't know, temporary employees or people. In that case, it's important to give them temporary access, whether it's your business or your home, and make sure that access can be immediately revoked and that you can track it. So many people become trusted because they seem like nice people, but then you realize that nice person just wiped you out, stole from you, and you never would think to even suspect that person because they're so to you.


 John C. Morley: (41:33)

Those are the ones that might do it to you. So if you have this attitude that you are not as trusting and are slow to trust people, you'll be less likely to be taken advantage of. And so when you have a car or whatever it is, lock it up, take the key, put the key in the house. If you have valuables, you go to a hotel, put the valuables in a safe, and put the password on the safe, right? If you have something really valuable, take it with you, right? I mean, you shouldn't be traveling with lots of valuables anyway. Or you could always put it in a hotel safe, right? So I think knowing what's going on is really 85 to 90% of what could save you from your identity to things getting stolen from you to actually making sure that you don't become a victim.


 John C. Morley: (42:42)

And you're going to hear me talk about this on many shows because I am tired of people who become victims. I'm not mad at them, but I'm tired of hearing that they became victims. And if I can just get one or two of you out there to say, wait a minute, I don't want to become a victim, as John said, that would make me so very happy. Ladies and gentlemen, you know who I am by now, don't you? I am John C. Morley, a serial entrepreneur. It has been an amazing privilege, pleasure, and honor to be with you again on the JMOR Tech Talk show. The first show for October. We have many more great shows and guests coming up in the next couple of months. So you're definitely going to want to hang around and check out our other great stuff.


 John C. Morley: (43:26)

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