間接火力防護能力」(Indirect Fire Protection Capability, IFPC)
美國反制迫擊砲、榴彈砲、火箭彈、無人機和巡弋飛彈等短程空中威脅:
1. 武器
- 不打算將鐵穹作為長期方案
- 畢竟光比物質的速度快,將以高能雷射(250-300 kW)為發展目標。
2. 機動性
美國將以現役的中型戰術輪車(FMTV)與海馬斯多管火箭發射系統(M-142 HIMARS)為載台,整合成「多任務發射器」(Multi-Mission Launcher, MML)。
(延伸閱讀)
美軍測試「鐵穹」防禦系統 首度實彈擊落無人機
https://news.ltn.com.tw/news/world/breakingnews/3649063
同時也有25部Youtube影片,追蹤數超過3萬的網紅The Thirsty Sisters,也在其Youtube影片中提到,We found the key to make your partners with avoidant attachment styles (aka Nina) cringe and/or cry: Ask them 36 Questions to Fall in Love! The Thirs...
「fire protection」的推薦目錄:
- 關於fire protection 在 誠實大叔 張誠博士 Facebook 的最讚貼文
- 關於fire protection 在 元毓 Facebook 的最讚貼文
- 關於fire protection 在 Milton Goh Blog and Sermon Notes Facebook 的精選貼文
- 關於fire protection 在 The Thirsty Sisters Youtube 的最讚貼文
- 關於fire protection 在 Trang Pháp Official Youtube 的最佳貼文
- 關於fire protection 在 Trang Pháp Official Youtube 的最佳解答
- 關於fire protection 在 St. Anne Fire Protection District - 首頁| Facebook 的評價
fire protection 在 元毓 Facebook 的最讚貼文
舊文重貼:
2020年7月5日 ·
【我如何運用法律與經濟學在投資決策:營業中斷保險】
2004年左右我就曾為文記錄如何從消費者保護法中的「科技抗辯(state of art)」判斷當年因止痛藥Vioxx瑕疵陷入集體訴訟法律風險、股價腰斬的默克藥廠,其實真正面臨的風險並不高,並大膽$26美元危機入市,兩年半後$50多美元陸續獲利了結。
這部份可以參考後來2018年寫得更清楚的【效率市場假說是錯誤的】一文。
這是一次靠法律專業知識的價值投資操作。
近日因Covid-19在美國失控的疫情,我們又看到新一波影響更廣的法律爭議浮出抬面:營業中斷(business interruption)。
美國各州政府的封城(lockdown)措施使得許多中小企業面臨無法營業、營收中斷、現金流鎖死的倒閉危機。原本這些中小企業購買的商業保險,幾乎都有「營業中斷條款」,此條款大概涵蓋範疇如下(以Allstate公司為例):
1. 預期收入損失(For lost income from the destroyed merchandise (minus expenses you may have already paid, such as shipping).Your pre-loss earnings are the basis for reimbursement under business interruption coverage. Lost earnings, also known as the actual loss sustained, are typically defined as revenues minus ongoing expenses. )
2. 額外支出( For extra expenses if you must temporarily relocate your business because of the fire (for example, the cost of rent at the temporary location).)
然而近日上百萬家申請保險賠償的中小企業卻遭到保險公司拒付,理由是:「Covid-19疫情並未造成實質物理損失(actual physical loss)」。
什麼?賠到當內褲還叫沒有損失?這是怎麼一回事?
一、美國商業保險營業中斷(business interruption)條款法律爭議
多數保險公司紛紛於近日在各自網站上強調「實質物理損失(actual physical loss)的存在是申請保險支付的先決條件」。實質物理損失在保險公司方面的定義為:真實損害(damage)造成營業設備、不動產失去部分或全部原本功能/效用,造成商業收入損失。
換言之,目前美國保險公司的態度是 -- 病毒並未造成中小企業保戶物理上營業設備或不動產失去運作能力,病毒讓人致病又不讓機器廠房店面生病,當然不構成支付賠償金的條件。
中小企業主的立場顯然相反 -- 病毒與政府封城措施造成營業上之不可能,我當初買保險不正是為了這種不可預期之風險?沒了收入但租金、工資與各項支出依然照付,損失哪裡不真實不存在?
為何保險公司可以如此狹隘限縮解釋?這是因為此類商業保險的營業中斷條款最早源自於美國南北內戰時期,當時的商家因戰爭破壞或徵調的關係,其所擁有的商業設備或店面因此不再能持續生產失去收入,在此侷限條件下商界所應運而生的保險制度。故,美國保險法律與習慣上,對實質物理損失的看法是有歷史累積,而因循前例恰恰是普通法(common law)的核心邏輯。
可是現代世界與南北戰爭相差100多年,難道法律上都沒有可以擴張或改變的突破口?
有的,而此問題的法律突破口在一個我想台灣讀者大概都想不到的關鍵點 -- 「附著與污染」。
⟪附著與污染⟫
附著概念在1980、1990年代都已經有州法院判決提供了初步概念,但最標誌性、最多後來者引用的則是2002年康乃迪克州聯邦地方法院的⟪Yale University v. CIGNA Ins. Co.⟫一案。
此案中耶魯大學於1980年代的建築外牆塗漆後來證實含有重金屬鉛與石棉,造成第三人健康受損。耶魯大學根據產物保險條款,要求保險公司支付賠償金。保險公司稱:「塗漆又不影響建築物原本功用,不構成物理性實質損害。」拒絕賠償。
官司先在康乃迪克州州法院打,州法院也是採取與保險公司相同的限縮解釋。
但後來官司打到聯邦地方法院,聯邦地院卻採取擴張解釋:「附著」於耶魯大學建築物上的油漆,實質上「污染(contaminated)」了建築物,使其一部或全部失去了原本功用,因此構成實質物理損害。
此觀點在2009年也於⟪Essex Ins. Co. v. BloomSouth Flooring Corp.⟫案得到位於麻州的聯邦第一巡迴法院支持,認為附著於財產上的「惡臭(odor)」也是種能造成實質物理損害的汙染。
這也是為什麼目前我們看到針對Covid-19相關幾百個保險訴訟案中,最活躍的佛羅里達州律師John Houghtaling II主張:「『附著』於建築物、商業設施表面的冠狀病毒也是一種造成實質物理損害的汙染」。即便事實上多數公衛專家均指出目前科學證據顯示,Covid-19主要還是透過人傳人機制傳染,透過附著物體表面傳染案例屬於極少數特例。
因為熟悉英美法的人都知道,common law的先例是一個比較可能勝訴的框架,律師多盡量把訴之主張想辦法塞進成功框架裡,即便看起來很彆扭。要是跳脫既有框架另創新法律見解,則勝訴機率很可能大減。
但前述「附著與污染」見解並非每個法院都買單,例如紐約州州法院在2002年與2014年不同判決中都否定此擴張見解,堅持南北戰爭留下的狹義解釋。
可這就進入我們第二個重點...
二、經濟學角度切入:
各州法院之間對於營業中斷(business interruption)的法律定義不同勢必會增加各州中小企業與保險公司各自在營運上的不確定性。當然,這也會增加再保險公司的不確定性。
依據美國法架構,各州法律見解不同牽涉到跨州商務,是有高度可能最後進入聯邦最高法院以求一統一見解。然而法律訴訟程序的曠日廢時將使得中小企業不見得有足夠資金支撐到訴訟結果,但反之,希冀減少損失的保險公司們卻有相當高誘因要把戰場拖到最高法院。
從經濟學競爭(competitiveness)的概念切入,中小企業方也必將嘗試繞過既有遊戲規則,即法律程序,試圖建立有利於自己的新遊戲規則。
於是乎我們就見到美國知名四大主廚--Daniel Boulud (米其林兩顆星), Thomas Keller(米其林三顆星), Wolfgang Puck(米其林一顆星) 以及 Jean-Georges Vongerichten(米其林三顆星)-- 結盟,並於今年3月底去電美國總統川普,要求逼迫保險公司支付停業的商業損失。
川普果然也在4月份內部會議上提出:「他知悉保險公司對多年支付保費的餐廳業者雨天收傘一事,雖然他也知道保險公司保單涵蓋範圍有限,但如果支付賠償金是公平的,則保險公司就應該支付。(... saying restaurateurs had told him they paid for business-interruption coverage for decades but now they need it and insurers don’t want to pay. He said he understood that some policies have pandemic exclusions, adding: “I would like to see the insurance companies pay if they need to pay, if it’s fair.)」
熟悉制度經濟學的朋友都知道,當「無主收入」出現時,意味著租值消散(rent dissipation),也代表著整體社會的浪費。租值消散是整個經濟學最難掌握的高級概念,許多有名的經濟學家或教授,甚至某些諾貝爾獎得主,也不見得能正確理解並掌握此概念,本文並不打算詳談,請有興趣的讀者自行參考我過去幾篇舊文。
就我所知,一般經濟學者未曾討論「準租值消散(rent dissipation on depend)」狀況 -- 在法律定義未由最高法院統一見解前,被保險人無從得知是否可以取得保險賠償金;保險人雖暫時對保費有所有權,但一旦訴訟發生依會計原則也必須劃出一部分作為賠償準備金。可是在真實世界,我們目前不存在比曠日廢時的司法或所費不貲的政治遊說(包含政治獻金/賄絡),更有效率且廣為接受的制度來安排這樣的權利衝突。
(此處on depend概念類同於英美財產法中的on depend概念,我就不岔題解釋)
這是說,從經濟分析角度看,在統一法律見解未出現前,此狀況是一種社會費用,以租值消散形式暫時存在。
這就轉到本文的第三個重點,身為證券市場投資人,怎麼看怎麼應對?
三、投資人角度
在日常法律爭議上,此類「未有最終判決前,權利範圍或收入歸屬處於未定狀態」的狀況實屬常見。換個角度說,其實這些案件多屬於個體性風險,即便在系統內會產生一定權利範圍/未來收入預期影響,可幾乎都不會構成「系統性風險」。
但此次對「營業中斷」定義爭議卻碰上歷史罕見的大規模被迫停業狀況,根據美國普查局 (United States Census Bureau)的資料顯示,截至今年5月8日,因被迫停業而申請Paycheck Protection Program (PPP)的中小企業高達360萬家,借款金額達$5370億美元。4月26日~5月2日該週資料更是超過51.4%企業受到疫情影響(見圖)。
有保險公司代表說得清楚:保險原理是基於「大數法則」,亦即平時由多數人分別出資一小部分,於個別性風險實現時支付賠償金彌補其風險。但若「近乎所有出資者的風險都實現」,保險公司根本不可能同時支付所有被保險人賠償金,這已經不是個別性風險而是系統性風險,保險公司只能宣告破產。
2008年金融風暴主因之一也是原本以為透過大數法則建立的CDOs,包裹大量不同債信的房貸債權很安全,結果不堪系統性風險實現而崩潰。
我在今年五月份【美國失業人數破2千萬為何股市上漲?再來怎麼看?】一文中特別強調我們應該多關注CLOs(Collateralized Loan Obligation)潛在違約危機,也是著眼於此類別個別性風險轉為系統性風險的可能性激增。
同樣的,前述營業中斷保險條款無論美國法院最終見解為何,都很可能發生二選一結果:「大規模中小企業因封城出現流動性枯竭引發的大規模倒閉風險」對上「保險公司支付如此大量賠償金恐陷大規模財務危機」。
即便是繞過法律程序,透過政治遊說施壓美國行政單位,依然繞不開上述兩項風險必然實現其中一種的局面。
根據富國銀行(Wells Fargo)的推估,美國目前含有營業中斷條款的保險金額約$8千億美元,其中50%透過再保險方式轉嫁。值得慶幸的是我並未查到此類保險有轉化為其他衍生性金融商品,這表示風險可能未如CDO、CLO般倍數放大。富國銀行認為美國商業保險公司應該有能力吸收$1500億左右的賠償,但根據美國普查局資料受影響商家超過5成,意味著假設$4千億索賠發生時,即便能移轉$2千億至再保險公司,依然還有約$500億的差額。
我們要特別注意的是保險公司收到保險金後必須轉為投資方能獲利,這表示當股市下挫時保險公司的資產也會跟著縮水,償付能力也會隨之下降。例如巴菲特的Berkshire Hathaway旗下保險集團於今年第一季因支付保險賠償金淨損$4.89億美元,但同時集團資產卻也記入$550億資產減損。
故,我前述二擇一風險實現時,會不會引發股市下挫傷害保險公司資產也值得注意。
另一方面,有誘因把法律戰拖到聯邦最高法院的保險公司即便此策略成功執行,流動性短缺的中小企業恐怕提早實現第一種風險,對整體經濟乃至於股市同樣不利。
身為投資人還要再小心的,是本屆Fed主席Jerome H. Powell屢破歷史紀錄的灑鈔救市風格,也很可能在前述因保險爭議而生之系統性風險可能實現時再度開啟瘋狂印鈔機制,而在經濟學上會有什麼效果,我在【美國失業人數破2千萬為何股市上漲?再來怎麼看?】一文已經講得清楚,簡言之:
a. 證券資產價格將局部出現嚴重通貨膨脹。尤其這段時間持有美國資產者獲利率可能超越持有其他國家資產者。
b. 各國因貨幣政策多少掛著美元,而將出現輸入性通膨。
c. 寬鬆貨幣產生的貨幣幻覺(money illusion)將埋下更多錯誤投資地雷。
d. 每次寬鬆貨幣救市都是以美元地位為代價。當美元地位跌破均衡點,人民幣等主要貨幣不再支撐美元,美國將出現全面性嚴重通貨膨脹,美國債券價格將大跌,許多州政府、市政府有破產可能。此時,持有美元與美國境內資產者恐受相當傷害。
結論:
我批評過很多次,坊間常見的「價值投資」多半只是拿幾個財務數字挪來搬去,從嚴謹的經濟學角度看這只是看圖說故事的自我欺騙行為。我認為真正有效的價值投資,是依據如經濟學這類具備科學解釋力的理論架構,蒐集真實世界的關鍵侷限條件與條件轉變從而預測未來,並嘗試從中獲利。
掌握真實世界的關鍵侷限條件必須:a. 累積大量、多範圍的各種知識,其中法學、經濟學、基礎物理/化學/醫學乃至於某些工程實務等都是必須;與b. 有足夠的能力從無數侷限條件中分離出「關鍵」。
我也談過,Benjamin Graham以降至巴菲特的傳統價值投資法最大缺失在於「忽略貨幣因素」,一旦出現極端貨幣現象時,價值投資幾乎失效。這部份價值投資者必須自行強攻以價格理論出發的貨幣學來彌補。
巴菲特老夥伴Charlie Munger認為投資者需具備各種不同知識體系,吾人深以為然。此文為一又牛刀小試。
參考資料:
✤ Yale University v. CIGNA Ins. Co., 224 F. Supp. 2d 402 (D. Conn. 2002)
✤ Matzner v. Seaco Ins. Co., 1998 WL 566658 (Mass. Super. Aug. 12, 1998)
✤ Arbeiter v. Cambridge Mut. Fire Ins. Co., 1996 WL 1250616, at *2 (Mass. Super. Mar. 15, 1996)
✤ Essex Ins. Co. v. BloomSouth Flooring Corp., 562 F.3d 399, 406 (1st Cir. 2009)
✤ Roundabout Theatre Co. v. Cont’l Cas. Co., 302 A.D. 2d 1, 2 (N.Y. App. Ct. 2002)
✤ Newman, Myers, Kreines, Gross, Harris, P.C. v. Great N. Ins. Co., 17 F. Supp. 3d 323 (S.D.N.Y. 2014)
✤ The Wall Street Journal, "Companies Hit by Covid-19 Want Insurance Payouts. Insurers Say No." June 30, 2020
✤ Steven N.S. Cheung, "A Theory of Price Control," The Journal of Law and Economics, Vol. XVII, April 1974, pp. 53-71
✤ Willam H. Meckling & Armen A. Alchian, "Incentives in The United States," American Economic Review 50 (May 1960), pp. 55-61
✤ Milton Friedman, "Money and the Stock Market," Journal of Political Economy, 1988, Vol. 96, no. 2
✤ Irving Fisher, "The Money Illusion," 1928
文章連結
https://bit.ly/3gsJK6l
fire protection 在 Milton Goh Blog and Sermon Notes Facebook 的精選貼文
The Holy Spirit Will Never Leave You
“Now Yahweh’s Spirit departed from Saul, and an evil spirit from Yahweh troubled him. Saul’s servants said to him, “See now, an evil spirit from God troubles you.” (1 Samuel 16:14-15 WEB)
When Saul kept sinning against God by disobeying His instructions through prophet Samuel, the Holy Spirit departed from Saul. In its place, an evil spirit was allowed to pester Saul. God had removed His hand of protection from Saul and he no longer had the anointing of a king.
“Hide your face from my sins, and blot out all of my iniquities. Create in me a clean heart, O God. Renew a right spirit within me. Don’t throw me from your presence, and don’t take your holy Spirit from me.” (Psalms 51:9-11 WEB)
When David sinned by committing adultery with Bathsheba and conspired to murder her husband Uriah, God rebuked him through the prophet Nathan, and David was sorrowful. He wrote the words in the psalm above. David was so afraid that God would remove the Holy Spirit from him, just like He did to Saul.
Under the Law, if someone sins, the Holy Spirit can depart from him. The Law is a covenant whereby God’s presence, anointing, and blessings depended on man’s obedience.
I watched a sermon video the other day of Katherine Kuhlman preaching a nonsensical message, with “take not Your Holy Spirit from me” as a focus. She also said that if we desired the power of the Holy Spirit and to see miracles, we have to ‘pay the price’.
“Be free from the love of money, content with such things as you have, for he has said, “I will in no way leave you, neither will I in any way forsake you.” So that with good courage we say, “The Lord is my helper. I will not fear. What can man do to me?”” (Hebrews 13:5-6 WEB)
As far as I know, God has promised to never leave or forsake us in any way. He will never remove His Holy Spirit from us.
On top of that, the blood that Jesus shed at the cross is what paid the full price for us to have the Holy Spirit and the fullness of His power. We could not pay the price and that is why Abba God sent Jesus to pay it on our behalf.
“I will pray to the Father, and he will give you another Counselor, that he may be with you forever,— the Spirit of truth, whom the world can’t receive; for it doesn’t see him, neither knows him. You know him, for he lives with you, and will be in you.” (John 14:16-17 WEB)
Read Jesus’ words above. Under Grace, the Holy Spirit will “be with you forever”—not just until the next time you sin. It is not based on your obedience, but the obedience of Christ at the cross.
Do not let anyone bring you into the bondage of wrong believing, no matter how famous they are. We must know the Scriptures so that we will not be deceived.
Need help understanding the four gospels of Matthew, Mark, Luke, and John correctly through the lens of Grace? I know how intimidating reading the four gospels can be. When I was a new believer, some passages in there were just frightful and discouraging.
The reason was because I did not know how to rightly divide the Word based on the covenants. I thought everything in there was directed at me.
For example, Jesus said that if you eye causes you to sin, pluck it out, for it is better for you to enter Heaven without eyes than to have your entire being cast into the fire of Hell. Are we supposed to pluck our eyes out when we sin? Are we supposed to cut off our arms and legs like Jesus said? We need to understand the important reason why He said what He did. There is a purpose that you won’t understand if you have no context or background knowledge of the whole Bible.
If you are new to reading the four gospels for yourself, or you have some questions about difficult passages in there, I would like to recommend you read my four-ebook bundle called “Understand the Four Gospels Through the Lens of Grace”.
As you read it, many confusing pieces of Scripture will be unlocked to you, and things that used to scare you will be read in the right light. Get the bundle now to enjoy 20% off the usual price, and you can download and read it right away:
https://bit.ly/understandeveryparable
fire protection 在 The Thirsty Sisters Youtube 的最讚貼文
We found the key to make your partners with avoidant attachment styles (aka Nina) cringe and/or cry: Ask them 36 Questions to Fall in Love!
The Thirsty Sisters are back this week to grill each other with uncomfortable questions! But do they really work? Sylvia and Nina put it to the test and ask each other these vulnerable, intimate questions. Will this turn out surprisingly fuzzy or emotionally traumatic? Tune in to find out ❤️
Link to 36 Questions to Fall in Love: http://36questionsinlove.com/
00:00 Intro
01:15 Topic of the Day
02:09 Vulnerable = Fall in Love?
03:20 How we'll be doing the 36 Questions
04:34 These questions lead to marriage?
05:25 The perfect day for us
06:16 How will we die?
06:47 What do we have in common?
07:17 What are we most grateful for?
09:21 What would we change about the way we were raised?
11:05 What ability would we like to gain?
13:30 Would we ask these questions on a date?
15:22 What would we want to know from a crystal ball?
17:13 What we've dreamt of doing for a long time
20:16 What are our greatest accomplishments?
23:25 Nina is dying at this question
24:15 Our most treasured memories
27:34 Diving deep into Nina's unexpected reaction
29:17 Nina is having a mental breakdown
30:15 Our most terrible memories
33:52 How we would live if we were going to die soon
36:07 Nina is dying (figuratively)
37:06 When did we last cry?
40:26 What do we regret not saying to someone?
45:36 Our parent-child relationship struggles
47:00 What we would save in a fire
48:57 Set 1 vs Set 2 vs Set 3?
49:17 Did you fall in love with us?
50:02 Conclusion
Sylvia and Nina are not your typical influencers; they give it to you raw and real! Join them as they quench their never-ending thirst for wisdom, trends, success and men.
They explore hot and pressing issues you never thought you needed to know in this extremely in-depth podcast. Sisters, brothers and everyone in between or beyond; jump in and be thirsty!
*Disclaimers*
The legal age for sex in Singapore is 18. While being comfortable with your bodies is a must, please protect yourselves by using protection ?
https://singaporelegaladvice.com/law-articles/legal-age-for-sex-in-singapore/
Our views in this podcast include only our own experiences as heterosexual women in Singapore, we respect everyone’s views regardless of genders, gender identities and sexual orientations.
Follow The Thirsty Sisters on Apple Podcasts, Spotify and Instagram!
https://podcasts.apple.com/sg/podcast/the-thirsty-sisters/id1509379792
https://www.instagram.com/thethirstysisterstts
https://open.spotify.com/show/5yx8txjfb7dMkosumEv6lQ?si=5Ew1dv6wRlCayZ0TQfo-Ug
Featuring:
Sylvia - https://www.instagram.com/sylsylnoc
Nina - https://www.instagram.com/ninatsf
Brand collaborations/features:
sales@noc.com.sg
The Thirsty Sisters TEAM
Co-Founders: Sylvia Chan | Nina Tan
Executive Producer: Sylvia Chan
Crew/Editors: Jade Liew | Winston Tay
Motion Graphics Designers: Bryan Seah | Kher Chyn
Sound Engineers: Nah Yu En | Mabel Leong
Digital Strategist: Winston Tay
fire protection 在 Trang Pháp Official Youtube 的最佳貼文
Trang Pháp - Turn Up The Fire (Dance Version) (Gái Già Lắm Chiêu V OST)
Stream official audio on:
Spotify: https://open.spotify.com/album/3S3YMriHCQOeEcjCPMKVyM
Apple Music: https://music.apple.com/us/album/1556903242?app=itunes
NCT:
https://www.nhaccuatui.com/bai-hat/turn-up-the-fire-gai-gia-lam-chieu-5-ost-trang-phap.LIqwa55ayzcy.html
Music Producer: Trang Phap
Composer: Trang Phap
Arranger: Phan Duy Anh
Music Mixing/ Mastering: Slim V
Recording /Mixing/ Mastering: Hieu Studio Lê Minh Hiếu - Kris Vũ
Artist Manager: Duong Huong
Producer: Nguyen Hoang Minh
Artist Assistant: Dung Dang
PR Manager: Tan Cao
Creative & Communications: MTBD
Guest Stars: Mlee - Minh Trung - Justin Young - Bui Khanh Ha - Brittany S Nguyen - Hoang Minh - Thanh Phuong - Thai Anh - Majeska Le - Khoa Dang
Stylist: Chi Lemon
Styling assistants: Chi Van, Mui Duc Duong, Truong Son
Fashion: CACDEMODE SWIM - RIN BY CHUNG THANH PHONG - LELONG - TARTAN - HUONG BOUTIQUE - DEVONS STUDIO - MAJE - Retros Boutique - Highway Menswear - OWL. - ERRORIST - Kiska
Photographer: Hoang Phuc
BTS Photographer: Khanh Quoc Le
Choreographer: Nhat Anh
Dance Team: PlanB
M.U.A: Kelvin Ho, An Quang
Hair Stylist: Ruby Nguyen, Nguyen To
Hair Artist: Sang Tan Vinh Hair Salon
Special thanks to:
THE AMERICAN SCHOOL (TAS)
Mr. Phil Nguyen - Ms. Brittany S Nguyen - Mr. Kevin Nguyen - Mr. Keith Nguyen - Mr. Adam Vetrano - Mr. Rodney Stone - Ms. Tuyet Phan - Mr. Duy An Nguyen - TAS TEAM
TAS Students: Alice Mai - Zed Lam - Kelly Phung - Thong Pham - Ken Vo - Ngan Dang
GAI GIA LAM CHIEU TEAM
Directors Namcito - Bao Nhan - Talent Manager Trinh Tat Dat - Gai Gia Lam Chieu Team
DIDONGVIET
Mr. Do Tan Loi
Lyrics:
Verse 1:
I know what I can do without your protection
I know that you can feel a sense of rejection
I know that know that
You should be ready for this
Oh oh
I feel it in the air, a change for perfection
I see it everywhere, I don’t need direction
You’re fired, fired
‘Cos I’m ready for this
Prechorus:
Oh baby now
You know I’m capable
You know it’s critical
That I won’t get lost in all the words they say
Chorus 1:
Oh whatchu want babe
Oh whatchu want babe
I’m on my way, I’m turning up the fire
Oh whatchu want from me
Oh whatchu want from me
I’m what you need, I’m turning up the fire
If you don’t mind, I catch a flight at 5
Tik tik tok I ain’t coming home tonight
Oh what you want babe
Oh what you want babe
Im on my way, I’m turning up the fire
Verse 2:
I’m tired of the way that I’m so protected
I’m tired of the things that can’t be accepted
I’m tired tired
I know I’m ready for this
Bridge:
I could look in the mirror and pray
That someone’d say I’m the fairest of them all
Or I can just look deep within myself
And love me for what I am
► Theo dõi Trang Pháp tại: https://www.youtube.com/channel/UCvFey3ScTDW1UmAepzf1cKw
► Facebook: https://www.facebook.com/trangphap11
► Fanpage: https://www.facebook.com/TrangPhapOfficial
► Instagram: https://www.instagram.com/trang_phap/
---------------------
© Bản quyền thuộc về Trang Pháp Official
© Copyright by Trang Pháp Official ☞ Do not Reup
fire protection 在 Trang Pháp Official Youtube 的最佳解答
Trang Pháp - Turn Up The Fire (Gái Già Lắm Chiêu V OST)
Stream official audio on:
Spotify: https://open.spotify.com/album/3S3YMriHCQOeEcjCPMKVyM
Apple Music: https://music.apple.com/us/album/1556903242?app=itunes
Tiktok : https://vt.tiktok.com/ZSJFbV3tx/
NCT:
https://www.nhaccuatui.com/bai-hat/turn-up-the-fire-gai-gia-lam-chieu-5-ost-trang-phap.LIqwa55ayzcy.html
Music Producer: Trang Phap
Composer: Trang Phap
Arranger: Phan Duy Anh
Music Mixing/ Mastering: Slim V
Recording /Mixing/ Mastering: Hieu Studio Lê Minh Hiếu - Kris Vũ
Artist Manager: Duong Huong
Producer: Nguyen Hoang Minh
Artist Assistant: Dung Dang
PR Manager: Tan Cao
Creative & Communications: MTBD
Guest Stars: Mlee - Minh Trung - Justin Young - Bui Khanh Ha - Brittany S Nguyen - Hoang Minh - Thanh Phuong - Thai Anh - Majeska Le - Khoa Dang
Stylist: Chi Lemon
Styling assistants: Chi Van, Mui Duc Duong, Truong Son
Fashion: CACDEMODE SWIM - RIN BY CHUNG THANH PHONG - LELONG - TARTAN - HUONG BOUTIQUE - DEVONS STUDIO - MAJE - Retros Boutique - Highway Menswear - OWL. - ERRORIST - Kiska
Photographer: Hoang Phuc
BTS Photographer: Khanh Quoc Le
Choreographer: Nhat Anh
Dance Team: PlanB
M.U.A: Kelvin Ho, An Quang
Hair Stylist: Ruby Nguyen, Nguyen To
Hair Artist: Sang Tan Vinh Hair Salon
Special thanks to:
THE AMERICAN SCHOOL (TAS)
Mr. Phil Nguyen - Ms. Brittany S Nguyen - Mr. Kevin Nguyen - Mr. Keith Nguyen - Mr. Adam Vetrano - Mr. Rodney Stone - Ms. Tuyet Phan - Mr. Duy An Nguyen - TAS TEAM
TAS Students: Alice Mai - Zed Lam - Kelly Phung - Thong Pham - Ken Vo - Ngan Dang
GAI GIA LAM CHIEU TEAM
Directors Namcito - Bao Nhan - Talent Manager Trinh Tat Dat - Gai Gia Lam Chieu Team
DIDONGVIET
Mr. Do Tan Loi
Lyrics:
Verse 1:
I know what I can do without your protection
I know that you can feel a sense of rejection
I know that know that
You should be ready for this
Oh oh
I feel it in the air, a change for perfection
I see it everywhere, I don’t need direction
You’re fired, fired
‘Cos I’m ready for this
Prechorus:
Oh baby now
You know I’m capable
You know it’s critical
That I won’t get lost in all the words they say
Chorus 1:
Oh whatchu want babe
Oh whatchu want babe
I’m on my way, I’m turning up the fire
Oh whatchu want from me
Oh whatchu want from me
I’m what you need, I’m turning up the fire
If you don’t mind, I catch a flight at 5
Tik tik tok I ain’t coming home tonight
Oh what you want babe
Oh what you want babe
Im on my way, I’m turning up the fire
Verse 2:
I’m tired of the way that I’m so protected
I’m tired of the things that can’t be accepted
I’m tired tired
I know I’m ready for this
Bridge:
I could look in the mirror and pray
That someone’d say I’m the fairest of them all
Or I can just look deep within myself
And love me for what I am
Theo dõi Trang Pháp / Follow Trang Phap at:
► YouTube: https://www.youtube.com/channel/UCvFey3ScTDW1UmAepzf1cKw/featured
► Facebook: https://www.facebook.com/trangphap11/
► Fanpage: https://www.facebook.com/TrangPhapOfficial
► Instagram: https://www.instagram.com/trang_phap/
---------------------
© Bản quyền bài hát thuộc về MAR6 Picture
© Music Video copyright by Trang Pháp Official ☞ Do not Reup
fire protection 在 St. Anne Fire Protection District - 首頁| Facebook 的推薦與評價
St. Anne Fire Protection District, Saint Anne, Illinois 。 1102 個讚· 4 人正在談論這個· 63 個打卡次。 St. Anne Fire Protection District (SAFPD) is located ... ... <看更多>