https://youtu.be/khgS2HrOhzw
Start at:
2:03
Published on Oct 25, 2015
Go to 38:07 to learn how Family Bank works.
This is not about the product he sells. This video is about the FAMILY BANK concept that the RICH use as an asset to ensure they have full control of their money and to ensure their money is easily accessible TAX FREE!
He mentions Patrick from Paradigm Life...they have amazing, simple intro videos to the Family Bank strategy on their site: https://paradigmlife.net/
Start with $100.
Amazing stuff...
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Education
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COMMENTS • 83
Oscar del Rosario
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Top comments
emanuel baillargeon
emanuel baillargeon2 months ago
bla bla bla get to the point god damn it
Reply 14
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emanuel baillargeon
emanuel baillargeon4 weeks ago
if you had really something great to say, you would not take a fucking hour to say it. fuck god, god dont exist. its a création of man, thats why there ils son much war on this planet.
Reply 4
Fun MeMe
Fun MeMe4 weeks ago
creation of jew maybe more old , 10 comamander create after kill, stolen,slavery, keep all good females for the same killers, or dont kill really mean dont kill me , like i kill not, no wish my woman,i already hundre kipnaped in my haren, you see,religion big scam ever, second is wall street,,......
Reply
srcontrol11
srcontrol112 months ago
I love the fact that most of these clown shoes have posted negative comments on getting a lesson not only on history but how to take advantage of tax deductions and a way to protect your money from deflation and hyperinflation. You're the idiots he's talking about that are going under when this economy tanks. If you're to lazy to research ways to be your own bank after watching this video then good luck finding your way out of your own house. Being your own bank is using your head to create cash flow using protected methods. He pretty much tells you how to do it. He's a business man...of course he's going to sell you a product because he knows you're all too damn lazy to research yourself!
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Reply 14
Ravi Khedkar
Ravi Khedkar2 months ago
srcontrol11
Reply
Benjamin Rogers
Benjamin Rogers2 months ago
you hit it right on the nail these are some lazy ass people. they looking for someone to do all the work for them.
Reply 7
Howard Sobers, Jr.
Howard Sobers, Jr.6 months ago
A whole hour just to advertise buying a product on their website. He didn't give any info out that you can't get anywhere else free. He could have just made a 5 min video to promote his product.
Reply 10
Lorne Cooper
Lorne Cooper2 weeks ago
Thanks for the warning Howard Sobers. I suspected this so now I don't have to waste my time...
Reply
Alex Guzman
Alex Guzman5 months ago
just skip to the end of the video. 0ne hour of my life lost.👎
Reply 8
Jim Hendricks
Jim Hendricks2 months ago
Thanks mate. You saved me some time. Scam - big time.
Reply 2
Bad Ass
Bad Ass1 month ago
28 minutes in where is the bit about my own bank.
Reply 7
libracory
libracory1 month ago
anytime they dont tell you what it is and how to do it with in a few minutes its not worth the time, marketing tricks they intentionally with hold information but talk on and on about how exciting it is but still "what the hell is it and how do i do it"
Reply 6
Bahtiyar Barat
Bahtiyar Barat3 months ago
Scam! Wasted of my time....
Reply 5
Scorched
Scorched1 month ago
Yup, it's a one hour ad.
Reply
Jesuis Becoming
Jesuis Becoming6 months ago
That is not your own bank ! just another scam !
Reply 4
Nnika Cromwell
Nnika Cromwell6 months ago
I recently learned how to become your own banker and have since set-up myself, my husband and my 21 yr old with a private pension plan to accomplish it. We show people how to do it everyday. Visit www.bestprivatepensionplan.com and I will contact you to set-up a FREE CONSULATION and NO OBLIGATION ILLUSTRATION.
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Reply 2
Bad Ass
Bad Ass1 month ago
Everybody seems to be creating a bank these days.
Reply
Gamers tv Max
Gamers tv Max3 months ago
100% scam
Reply 4
Jonathan Wee
Jonathan Wee3 weeks ago
Scam. Waste of time.
Reply 3
Jerovon Richardson
Jerovon Richardson2 months ago
Hello FreePath ToWealth
Start with $100? Are you sure about that?
I did a free consultation with one of Paradigm Life's Reps this past summer, and I was told to start with $1500!
If I could have started for much less, I would not still be an employee but running my own business by now, which frankly PISSES me off.....!!!!
What's going on here????
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Reply 3
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FreePath ToWealth
FreePath ToWealth3 weeks ago
Hi. There are many companies who do this. That is $100 per month. I just spoke to Northwest Mutual and can start for $300 per year. This is a great alternative to losing money on 401k. It should be part of all our portfolios. Don't give up. Try again!
Reply 1
Jerovon Richardson
Jerovon Richardson2 weeks ago
But do they deal in Whole Life Insurance?
Reply
Andrea Rose
Andrea Rose2 months ago
45 min ... I could not go any farther. bla bla bla bla and another way same thing bla bla bla bla
no o didnt waost nothing... mid time I washed dishes. bla bla
Reply 3
Jerome Williams
Jerome Williams4 weeks ago
lmfao.....im hella weak i felt the same way you see i had time to scroll down read your reply lmao and comment and i dont usually do this but im so far might as well hear the rest and its still up there blah blah blah ill tell you why
i joined blah blah blah i got some contacts for sale if anybody wanna buy mine there for sale for more like my family future...
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Reply 1
mikha007
mikha0071 month ago
took till the end to un cover the bullshit
Reply 3
libracory
libracory1 month ago (edited)
any opportunity that cant say what it is and how to do it in a few minutes is just marketing bait, they actually intentionally with hold information because they know once they say what it really is people will back out, marketers use the trick to lock in your attention
Reply
krakusdomm
krakusdomm1 month ago
This nothing more than the rags to riches story. Nope, try telling this shit to people whom are discriminated against on the job, by the banks and even the wholesalers. I would advise that people look closely at this self stroking person. He offers nothing spiritual and nothing of content. Just the same old shit we have heard for centuries!
Reply 2
Progressive Impact101
Progressive Impact1011 month ago
This video takes forever to get to the point, all to sell a membership.
Reply 2
View all 5 replies
Progressive Impact101
Progressive Impact1011 month ago
+libracory yes i guess they are supposed to get the buyer comfortable 1st, but it didn't work for me.
Reply 1
libracory
libracory1 month ago
+Progressive Impact101 in marketing its the strategy of attention traps, long drawn out talks with no one saying what you have to do or what the opportunity is, they wait till the end to reveal the real info rather then saving you time and just saying what it is and what you have to do with in the first few minutes
Reply 1
Sondra Lee
Sondra Lee2 months ago (edited)
How real is this Paradigm Life, FreePath ToWealth? I have yet to see you comment or respond to comments? What countries does it work in? Is it legitimate?
Reply 2
View all 4 replies
Barrington Thomas
Barrington Thomas3 weeks ago
awesome info
Reply
Barrington Thomas
Barrington Thomas3 weeks ago
awesome info
Reply
hawkrosencranse
hawkrosencranse2 months ago
I feel like this is barking up the wrong tree. The banks are the enemy and so is the ment. We are able to create money with our signature.. do some research people. Don't let these scam artist rape you. I love how this ass hole talks in circles and keeps saying things like "JUST LIKE YOU" or how if you have no money but for just $100 a month lmao.
Reply 2
john souza
john souza7 months ago
you are good America needs more guys like you.
Reply 2
อด ทน
อด ทน2 weeks ago
very good
Reply 1
Lorne Cooper
Lorne Cooper2 weeks ago
The Rich - The Global Elite - get richer because they control the game. He who controls the game controls the outcome. They invented Fractional Reserve currency - hence the Federal Reserve. A few families control these private banks and they are not giving out ANY bank charters... The Globalists live by what is called the Hegelian Dialectic.
Reply 1
This grill Is not a home
This grill Is not a home2 weeks ago
I love how you gave yourself away with this video. You make profit whether or not your students make a dime.
Reply 1
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Bit-Media http://www.bitmedia.at/en/about-us/business-fields/ http://www.bitmedia.at/en/about-us/organisation/ Organisation
bit media is one of Europe’s leading companies in the field of e-Learning and has successfully carried out projects in the field of education as well as development cooperation. The company was founded in 2000 as a joint venture between the bit group and the SIEMENS Ltd. Since June 2016 it is part of the eee group – education, e-solutions, e-government. With its 50 employees in Austria and over 140 external international employees and experts, bit media supports companies, public organizations, education institutions and schools in the implementation of state-of-the-art measures for digital education and administration.
bit media is a full-service provider and therefore offers the most important products in the field of e-Learning, content creation (including tone-of-the-top videos and smart shows), online-collaboration and much more from one single source: compliance trainings and roll-outs, learning management systems, IT-services and IT-content, content development (standard and individual content), authoring systems and certifications, mobile learning or onboarding. http://www.bitmedia.at/en/about-us/organisation/ http://www.bitmedia.at/en/about-us/business-fields/ Business Fields
bit media is one of the leading providers of complete e-Learning concepts and solutions in Europe. Our customers include companies, public organisations as well as public and private training facilities. With its other business fields Software as a Service and e-Government, bit media is also recognised as a provider of modern e-Solutions for the public sector worldwide. http://www.bitmedia.at/en/about-us/business-fields/
Musicoin
@musicoins
Musicoin is blockchain for music. The digital currency is designed for musicians to be paid directly and instantly, without intermediaries.
Blockchain
docs.google.com/document/d/1wb…
Joined July 2016 Musicoin: Free Creations While Rewarding Creators
Version 0.6
im@berry.ai
12/2016
Abstract. This paper describes Musicoin, a decentralized system for the publication and consumption by adding cutting-edge cryptocurrency to peer-to-peer file sharing network. Musicoin allows musicians to license their contents as a “coded contract” directly to a decentralized database called a “blockchain”. These contracts automate the collection and distribution of royalty payments and remain in the control of the artists themselves. Listeners can access a global catalog of music stored on a peer-to-peer network and pay artists directly using digital currency, based on their usages. Ease-of-use tools can be designed to allow a seamless experience for both listeners and musicians, and an open protocol will allow third-parties to build a rich ecosystem of value-added software and services. By providing a distributed and highly transparent platform that connects musicians and listeners directly, Musicoin lays the groundwork for a new age of music that is sustainable, borderless, and fair to all stakeholders.
The digitization of the music industry began in the 1980s and, in hindsight, was inevitable. By the late 1990s, with the rise of Napster, digitization officially became a disruptive force, and one that music industry is still grappling with today. At the heart of the struggle is a system of licensing, distribution, and promotion that dates back more than a century. As technology outpaces (and in some cases simply circumvents) the traditional system, there is growing concern and consensus that the century-old music industry might collapse under its own weight after nearly two decades of decline[1].
And, while the transition to digital music has largely been a boon to listeners, who now enjoy access to an ever-expanding catalog of music through services like Spotify and iTunes, it has been difficult at best for musicians. The industry still keeps the large majority of revenue and is painfully slow to cut a check to musicians, making it increasingly hard for musicians to earn a living.
However, the same technological advancement that has wreaked havoc on the music industry for the past 20 years also presents us with an extraordinary opportunity to redefine the relationship between musicians and listeners. Digital currency(or “cryptocurrency”)), in particular, will allow nearly instantaneous payments with minimal transaction cost. “Coded contracts” will allow musicians to maintain control of licenses, rather than relying on a third party.
The remainder of this paper gives a brief overview of two relatively recent and dramatic changes to the way people interact with music, both of which have ultimately failed to produces a sustainable and fair system. Finally, a detailed proposal for a path forward is given.
Two Failed Models
Napster, which was the first peer-to-peer (P2P) file sharing network widely adopted, marked the beginning of the end for the traditional approach to music distribution and consumption. In many people’s eyes, it’s seen as the assassin of the music industry[2]. In this model (we call the “Torrent Model”), content was casually shared on a P2P network and downloaded by other users without the musician’s permission and without sending any form of compensation[3]. This model is doomed by itself, not only for its legal breach, but also because it is not sustainable as musicians’ benefit were totally annihilated.
Figure 1:The Torrent Model (left), where musicians are entirely disregarded. The Streaming Model (right), which retains all of the complexity and inefficiency of the legacy music industry, and ultimately pays musicians a small fraction of total revenue.
More recently, a “Subscription Model” has become popular (see Figure 1). In this model, services deliver streaming content based on a centralized catalog and charge users a level of subscription fee(mostly 9.99USD/month), which is often overpriced[4]. In turn, these streaming services (like Spotify) pay labels and publishers a big portion of revenue to acquire licenses.
This model is an improvement over the Torrent Model, since revenue is actually collected from listeners, nevertheless, the portion of that revenue makes to musicians is extremely small, because there are so many intermediaries taking a mjajor cut. Ultimately, over 80% of royalty fees were kept by intermediaries. The reason for this is largely historical. Prior to the digital age, musicians needed these intermediaries to help them organize, plan, record, produce, and distribute their music. This spawned the creation of many agencies in the music industry, such as music labels, PROs[5], distributors, retailers, studios, PR agencies, and marketing agencies. After the Digital Millennium Copyright Act(DMCA), more agencies were created, and all of which took their share of revenue. If we look at the income distribution structure, we would be really surprised how little we pay musicians[6].
One famous case is the complaint by singer James Blunt, “I get paid £0.0004499368 per stream”[7]. For 1 million playbacks on Spotify, James Blunt only receives £450! It’s actually not the worst case, many artists can’t even bargain such a rate and are paid far less. For this reason, many musicians still can’t make a living, which forces them to be part time or just change careers[8]. Given the ubiquitous technologies and social media today, it’s worth asking: Do all of these organizations still add value? Most musicians today are very busy marketing themselves, creating and recording music themselves, and sharing content online directly -- they have uttered totally different views everywhere.
New Paradigm
We need a new model that re-structuring the entire process, from creation, to consumption, to compensation. The model we propose here is based on the theory of Sharism[9], which emphasizes the coupling of sharing and rewarding. This “Sharism Model” suggests a complete path from content sharing to payment collecting. It can help create positive feedback loop that enables all musicians to boost their creations. The more musicians share their works, the more music will bring to listener, and the more payment will be rewarded to musicians.
In Sharism Model, each playback represents an exchange between the musician and the listener. The listener sends a payment to the musician, and in exchange is granted access to a specific work. In order to make it work, a payment mechanism that fastly works across borders, and offers a low transaction cost is required. Fortunately, the rise of digital currencies, such as Bitcoin, just can offer such a solution.
Musicoin: A Digital Currency for Music
The whole music industry has long been puzzled by the price of music. With the collapse of physical media formats, panic spread throughout the industry because the primary measure of value (copies sold) was quickly becoming irrelevant.
It’s why we created this new currency concept to define the unit price of music consumption. We call it “Musicoin” which is used to pay and consume music, and make it a standardized way to price. Literally, it starts with one coin per play. Musicoin solves the valuation problem by defining a unit that is tied directly to the act of music consumption. Specifically, each time a musician’s work is played, a payment in Musicoin system will be sent directly from the listener to the musician. The value of a coin relative to fiat currencies will eventually be decided by market, but is expected to be matching approximately around $0.01 USD, as double to the price of current streaming services[10].
The uniqueness of Musicoin is on we believe very playback matters and should be fullfilled with a transaction, instead of being detached between playback and payment. It’s why we need this new currency, while a music piece is played, the same time coins should be paid based on the terms set by musicians. It’s the real meaning of Sharism philosophy.
Upon this new currency, music content bits flows from one point to another one, currency bits then flow back to the source, completing the cycle. Look at the today’s media players everywhere in web pages or in mobile apps. They all follow a common design, a bar with a triangle button to tout us to play.
Yes, we played, what happened to musician? Whenever a playbacks happened, there could be either nothing link to musicians(they don’t even know that), or better case they may receive a royalty check after 9 months or longer, let alone it supposedly was made after at least hundreds of playbacks added up to be get one penny.
We want to change. Musicoin defines a core protocol within every play, we called it Pay Per Play(PPP). The new players redesigned following this protocol will be more or less like this:
What’s the difference? When a play finished, you would see the play counter added one and actually there will be a payment executed paying from the listener to musician. So the traditional player never place a counter with it, or even some players did, it’s nothing related to payment. The new player will become a norm, if all the players accept this protocol. To listeners, there won’t be overcharged deal because he/she knows it’s charged based on usage. You may have noticed, the “like” function in this new player also means payment, if fans like the song, they would even pay more to reward the musician by “tipping” it. In this way, “Like” button everywhere on social media get new meaning.
Paying for one play seems not so significant for once, however, it can be huge if it happens every moment and everywhere. The whole world is listening music every moment, and the whole world is paying for their listening. This is the protocol.
Because it’s every play is paid with one coin(or more), the coin should be defined as a secure currency which is not based on today’s currencies in the world. It’s not US Dollars, nor not Euro. It’s not even Bitcoin. Why? Bitcoin is globally adopted today, however it’s becoming more like gold rather than a currency, and especially difficult to be used as a micro-payment system. Nobody would pay 0.000012 Bitcoin to listen to a song.
Digital currency of Musicoin gives a realistic implementation of Sharism Model to enable listener and musicians to build transactable relationship. Next step, we need a full systematic design to give the currency a safeguard in real world.
Blockchain as Backbone
You may ask who will be the authority to issue the Musicoin, this puzzle was solved by a mysterious inventor called Satoshi Nakamoto in his famous paper, “Bitcoin: A peer-to-peer electronic cash system”, and later the wide adoption of Bitcoin by the world. The issuance of Musicoin, like Bitcoin, is not from any institutions(e.g. Central banks) but a highly-encrypted software system, called Blockchain. Blockchain is a decentralized software system with complex algorithm recording every transaction and encrypting them into linked data blocks to ensure “no double spending”, which means it’s digital but not being able to be copied and abused. There could be faked paper bank notes, but in theory, it won’t happen to cryptocurrency.
Powered by blockchain technology, Musicoin becomes not only a specific currency for music, but assured to be secure, trustable, transparent and borderless. So any musicians and songwriters can receive the payment instantly, wherever they are in the world because listeners don’t need to write a check, or using paypal, or taking out cash to pay for the usage. Instead, they can simply wire a coin with a click. Piracy is not efficient because it’s so easy to access song more than ever without moral debt. To musicians, they don’t need to wait for a Godot-like royalty check any more. PPP assure them they can get payment instantly once a playback happens from a corner of the world.
The issuance of the coins will be following top cryptographic algorithms to ensure it’s not being double-spent, also follow a dedicate monetary curve based on economical needs. So Musicoin the currency and economic scale will be possibly used as measurement of the whole music industry some years later. With the adoption of Musicoin into music services, the blockchain will generate more uncrackable digital currency based on consumption scale, a.k.a. the economy. For example, if there’re 5 trillion songs were listened a year, there will be 5 trillion coins in circulation.
Blockchain is proved technology to accommodate every musical works in the world. Not only to songs, but It can include different type of musical works, from musical score, lyrics to recordings. With more and more musical works and recordings were published onto a music-oriented blockchain. The chain itself becomes a global music repertoire and listening history without extra investment.[11]
Code is Law
Musicoin defines a micro-license called “Pay-Per-Play”(PPP). Musicians will be provided with a standard template that can be released along with a recording of a work. The license is released to the blockchain as a “coded contract”, while the recording is encrypted and released to a distributed peer-to-peer network. In order for a listener to play the recording, a payment must first be sent to the PPP contract. The contract automatically accepts the payment and distributes shares to rights-holders according to the terms of the contract. A music player application conforming to the Musicoin protocol can initiate the payment without requiring any user interaction and provide a seamless experience for the listener.
This license will be released together with a musical work/recording and make it immutable. Then anyone wants to play it(or sync, or perform), should pay for the usage under a condition. In this way, every playback in the world will be accounted. Other licenses related to music royalties will be possible to defined in similar way.
Based on this model, musicians can finally freely control their licenses by themselves. They can create their own tamper-proof profile, release their recordings and works. Once their works released, the income will start to happen since there will be listeners start to pay via Blockchain system. The income can also be distributed automatically to different contributors like band members, and/or songwriters.
A coded contract concept will support this mechanism. Some contracts, like artist registration, license, etc. will become the backbone of the whole concept. We imagine there can be several initial type of contracts on Musicoin blockchain:
1. Profile Contract(PC): With this contract, artists can create their profile and coin their existence. This contract is between artists and blockchain, the entry of profile will be traceable and linking to all his/her future works. This contract will have “follow” function, so fans can follow it by paying a royalty fee. Of course, they can also unfollow this contract to unleash the loyalty.
2. Recordings Contract(RC): Upon registering as an artist, he/she can release recordings with additional metadata and licensing terms. All contributors in this contract will be defined and get appropriate portion of income based on the terms. Pay-Per-Play(PPP) is one typical contract musician can choose for their Recording Contract.
3. Playlist Contract: DJs, curators even common listeners can create this contract to generate and share a playlist with public. So other listeners can subscribe to it by paying several coins(price defined by creator of this contract).
Later, there can be more contract templates being developed to accommodate more scenarios in the industry. E.g. Musical Works Contact. Songwriters including lyricist and composers can use this contract to license their works. Other works/recordings linking to this contract will define payment logic, thus the money circuit can be set up.
The technology of code contract will not only help musicians to define their license terms, but also to receive payment and distribute their income to other contributors automatically. All the process can be seen from client application by connecting to the whole Musicoin blockchain. The network is P2P, but it’s not for piracy, it’s for currency.
Open Opportunities
Musicoin created a new model to liberate music from cages, it puts musician at the center stage and reward their creations in a fair way and free chosen by end users. The trajectory of music industry, will be re-written.
The system also open great opportunity to larger stakeholder groups. Big labels may have to suffer some changes, but it can benefit from this platform because the whole market scale have been enlarged, they can work once and harvest forever and worldwide. They can put their copyrighted stuffs onto Musicoin blockchain and keep enjoying the upscaled consumption;
With Musicoin, today’s streaming music services don’t need to process hectic paper works to prepare reports and pay musicians, instead, all the information are open to access by anyone in the world, instantly. Musicoin is designed for both musician and listeners, but will eventually benefit to the whole industry even traditional players.
Marketers, promoter, DJs, and social curators can also benefit from this system, which can spawn new values for listeners, thus generating returns to them.
Startups can build more innovative technologies and services upon Musicoin system to meet diversified demands from the network; Hardware makers can create tangible and wearable the same time smart gadgets to extend the glory of musical devices in our cultural legacy. Imagine your home speaker can be much smarter someday, not only caching music when you are not at home, but also help you mine coins to pay musicians when you play, it’s the most beautiful thing in the digitized world.
Big open data on Musicoin blockchain can also lead to more intelligent music recommendation. Based on Musicoin system, AI can play more and more important role to help users to discover music based on their taste, which is learned by the machine. It can be very personalized because every playback history will become the foundation of more accurate recommendation in the next. It’s the gold mine to AI researchers.
Conclusion
“Someone is making an enormous profit,” says Krukowski, a musician shared his roytal check online, “and it’s not the musicians.” This is the complaint by many musicians in the past. Today, with Musicoin, we can definitely change this. Musicians will make money and 100% income will go to their own wallet.
In an age of turbulence, we can also expect paradigm shifting. The changes rely on everyone to participate. We’d call all musicians and their appreciators to join this great transition to make music more meaningful to our life!
* Follow twitter: http://twitter.com/musicoins to receive more updates on this movemnet.
* Visit web site: http://musicoin.org to see how musicians are empowered by this cutting-edge new technology
________________
[1] Rogers, Jim. The death and life of the music industry in the digital age. A&C Black, 2013.
[2] Alexander, Peter J. "Peer-to-peer file sharing: The case of the music recording industry." Review of Industrial Organization 20.2 (2002): 151-161.
[3] McCourt, Tom, and Patrick Burkart. "When creators, corporations and consumers collide: Napster and the development of on-line music distribution." Media, Culture & Society 25.3 (2003): 333-350.
[4] Music streaming is too expensive, say some listeners https://www.cnet.com/news/music-streaming-is-too-expensive-say-some-listeners-spotify-apple-music-tidal/
[5] A Performing Rights Organization (or PRO) helps songwriters and publishers get paid for the usage of their music by collecting performance royalties.
[6] Spotify's Year in Music shows just how little we pay artists for their music http://www.theverge.com/2015/12/7/9861372/spotify-year-in-review-artist-payment-royalties
[7] @JameBlunt https://twitter.com/JamesBlunt/status/655324680694333440
[8] Singer Claims He Quit Because He Only Made $16K, Manager Shuts Him Down http://www.digitalmusicnews.com/2016/01/06/singer-claims-he-quit-band-because-he-only-made-16k-manager-shuts-him-down-2/
[9] Mao, Isaac. "Sharism: A mind revolution." Ito, J., Freesouls (2008): 115-118.
[10] Spotify's Year in Music shows just how little we pay artists for their music http://www.theverge.com/2015/12/7/9861372/spotify-year-in-review-artist-payment-royalties
[11] http://www.hypebot.com/hypebot/2015/08/the-failure-of-the-global-repertoire-database-effort-draft.html
