" Inside the NY Fed : Secret Recordings and a Culture Clash "

Inside the NY Fed :  Secret Recordings and a Culture Clash

By Jake Bernstein

26 - September -  2014

ProPublica -  This American Life


Update: Senators react, Goldman changes conflicts of interest policy.

A confidential report and a fired examiner’s hidden recorder penetrate the cloistered world of Wall Street’s top regulator—and its history of deference to banks.

Barely a year removed from the devastation of the 2008 financial crisis, the president of the Federal Reserve Bank of New York faced a crossroads. Congress had set its sights on reform. The biggest banks in the nation had shown that their failure could threaten the entire financial system. Lawmakers wanted new safeguards.

The Federal Reserve, and, by dint of its location off Wall Street, the New York Fed, was the logical choice to head the effort. Except it had failed miserably in catching the meltdown.

 New York Fed President William Dudley had to answer two questions quickly: Why had his institution blown it, and how could it do better? So he called in an outsider, a Columbia University finance professor named David Beim, and granted him unlimited access to investigate. In exchange, the results would remain secret.

 After interviews with dozens of New York Fed employees, Beim learned something that surprised even him. The most daunting obstacle the New York Fed faced in overseeing the nation's biggest financial institutions was its own culture. The New York Fed had become too risk-averse and deferential to the banks it supervised. Its examiners feared contradicting bosses, who too often forced their findings into an institutional consensus that watered down much of what they did.

 The report didn't only highlight problems. Beim provided a path forward. He urged the New York Fed to hire expert examiners who were unafraid to speak up and then encourage them to do so. It was essential, he said, to preventing the next crisis.

 A year later, Congress gave the Federal Reserve even more oversight authority. And the New York Fed started hiring specialized examiners to station inside the too-big-to fail institutions, those that posed the most risk to the financial system.

 One of the expert examiners it chose was Carmen Segarra. 

 Segarra appeared to be exactly what Beim ordered. Passionate and direct, schooled in the Ivy League and at the Sorbonne, she was a lawyer with more than 13 years of experience in compliance – the specialty of helping banks satisfy rules and regulations. The New York Fed placed her inside one of the biggest and, at the time, most controversial banks in the country, Goldman Sachs.

 It did not go well. She was fired after only seven months. 

 As ProPublica reported last year, Segarra sued the New York Fed and her bosses, claiming she was retaliated against for refusing to back down from a negative finding about Goldman Sachs. A judge threw out the case this year without ruling on the merits, saying the facts didn't fit the statute under which she sued.

 At the bottom of a document filed in the case, however, her lawyer disclosed a stunning fact: Segarra had made a series of audio recordings while at the New York Fed. Worried about what she was witnessing, Segarra wanted a record in case events were disputed. So she had purchased a tiny recorder at the Spy Store and began capturing what took place at Goldman and with her bosses. 

Segarra ultimately recorded about 46 hours of meetings and conversations with her colleagues. Many of these events document key moments leading to her firing. But against the backdrop of the Beim report, they also offer an intimate study of the New York Fed's culture at a pivotal moment in its effort to become a more forceful financial supervisor. Fed deliberations, confidential by regulation, rarely become public.

 The recordings make clear that some of the cultural obstacles Beim outlined in his report persisted almost three years after he handed his report to Dudley. They portray a New York Fed that is at times reluctant to push hard against Goldman and struggling to define its authority while integrating Segarra and a new corps of expert examiners into a reorganized supervisory scheme.

 Segarra became a polarizing personality inside the New York Fed — and a problem for her bosses — in part because she was too outspoken and direct about the issues she saw at both Goldman and the Fed. Some colleagues found her abrasive and complained. Her unwillingness to conform set her on a collision course with higher-ups at the New York Fed and, ultimately, led to her undoing.

 In a tense, 40-minute meeting recorded the week before she was fired, Segarra's boss repeatedly tries to persuade her to change her conclusion that Goldman was missing a policy to handle conflicts of interest. Segarra offered to review her evidence with higher-ups and told her boss she would accept being overruled once her findings were submitted. It wasn't enough.

 "Why do you have to say there's no policy?" her boss said near the end of the grueling session. 

"Professionally," Segarra responded, "I cannot agree."

 The New York Fed disputes Segarra's claim that she was fired in retaliation.

 "The decision to terminate Ms. Segarra's employment with the New York Fed was based entirely on performance grounds, not because she raised concerns as a member of any examination team about any institution," it said in a two-page statement responding to an extensive list of questions from ProPublica and This American Life.

 The statement also defends the bank's record as regulator, saying it has taken steps to incorporate Beim's recommendations and "provides multiple venues and layers of recourse to help ensure that its employees freely express their views and concerns."

 "The New York Fed," the statement says, "categorically rejects the allegations being made about the integrity of its supervision of financial institutions."

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 In the spring of 2009, New York Fed President William Dudley put together a team of eight senior staffers to help Beim in his inquiry. In many ways, this was familiar territory for Beim.

 He had worked on Wall Street as a banker in the 1980s at Bankers Trust Company, assisting the firm through its transition from a retail to an investment bank. In 1997, the New York Fed hired Beim to study how it might improve its examination process. Beim recommended the Fed spend more time understanding the businesses it supervised. He also suggested a system of continuous monitoring rather than a single year-end examination.

 Beim says his team in 2009 pursued a no-holds-barred investigation of the New York Fed. They were emboldened because the report was to remain an internal document, so there was no reason to hold back for fear of exposure. The words "Confidential Treatment Requested" ran across the bottom of the report.

 "Nothing was off limits," says Beim. "I was told I could ask anyone any question. There were no restrictions."

 In the end, his 27-page report laid bare a culture ruled by groupthink, where managers used consensus decision-making and layers of vetting to water down findings. Examiners feared to speak up lest they make a mistake or contradict higher-ups. Excessive secrecy stymied action and empowered gatekeepers, who used their authority to protect the banks they supervised.

 "Our review of lessons learned from the crisis reveals a culture that is too risk-averse to respond quickly and flexibly to new challenges," the report stated. "A number of people believe that supervisors paid excessive deference to banks, and as a result they were less aggressive in finding issues or in following up on them in a forceful way."

 One New York Fed employee, a supervisor, described his experience in terms of "regulatory capture," the phrase commonly used to describe a situation where banks co-opt regulators. Beim included the remark in a footnote. "Within three weeks on the job, I saw the capture set in," the manager stated.

 Confronted with the quotation, senior officers at the Fed asked the professor to remove it from the report, according to Beim. "They didn't give an argument," Beim said in an interview. "They were embarrassed." He refused to change it.

The Beim report made the case that the New York Fed needed a specific kind of culture to transform itself into an institution able to monitor complex financial firms and catch the kinds of risks that were capable of torpedoing the global economy.

 That meant hiring "out-of-the-box thinkers," even at the risk of getting "disruptive personalities," the report said. It called for expert examiners who would be contrarian, ask difficult questions and challenge the prevailing orthodoxy. Managers should add categories like "willingness to speak up" and "willingness to contradict me" to annual employee evaluations. And senior Fed managers had to take the lead.

 "The top has to articulate why we're going through this change, what the benefits are going to be and why it's so important that we're going to monitor everyone and make sure they stay on board," Beim said in an interview.

 Beim handed the report to Dudley. The professor kept it in draft form to help maintain secrecy and because he thought the Fed president might request changes. Instead, Dudley thanked him and that was it. Beim never heard from him again about the matter, he said.

 In 2011, the Financial Crisis Inquiry Commission, created by Congress to investigate the causes behind the economic calamity, publicly released hundreds of documents. Buried among them was Beim's report.

 Because of the report's candor, the release surprised Beim and New York Fed officials. Yet virtually no one else noticed.

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 Among the New York Fed employees enlisted to help Beim in his investigation was Michael Silva. 

As a Fed veteran, Silva was a logical choice. A lawyer and graduate of the United States Naval Academy, he joined the bank as a law clerk in 1992. Silva had also assisted disabled veterans and had gone into Iraq after the 2003 invasion to help the country's central bank. Prior to working on Beim's report, he had been chief of staff to the previous New York Fed president, Timothy Geithner.

 In declining through his lawyer to comment for this story, Silva cited the appeal of Segarra's lawsuit and a prohibition on disclosing unpublished supervisory material. The rule allows regulators to monitor banks without having to worry about the release of information that could alarm customers and create a run on a bank that's under scrutiny.

 Silva had been in the room with Geithner in September 2008 during a seminal moment of the financial crisis. Shares in a large money market fund – the Reserve Primary Fund – had fallen below the standard price of $1, "breaking the buck" and threatening to touch off a run by investors. The investment firm Lehman Brothers had entered bankruptcy, and the financial system appeared in danger of collapse.

 In Segarra's recordings, Silva tells his team how, at least initially, no one in the war room at the New York Fed knew how to respond. He went into the bathroom, sick to his stomach, and vomited.

 "I never want to get close to that moment again, but maybe I'm too close to that moment," Silva told his New York Fed team at Goldman Sachs in a meeting one day.

 Despite his years at the New York Fed, Silva was new to the institution's supervisory side. He had never been an examiner or participated as part of a team inside a regulated bank until being appointed to lead the team at Goldman Sachs. Silva prefaced his financial crisis anecdote by saying the team needed to understand his motivations, "so you can perhaps push back on these things."

 In the recordings, Silva then offered a second anecdote. This one involved the moments before the Lehman bankruptcy.

 Silva related how the top bankers in the nation were asked to contribute money to save Lehman. He described his disappointment when Goldman executives initially balked. Silva acknowledged that it might have been a hard sell to shareholders, but added that "if Goldman had stepped up with a big number, that would have encouraged the others."

 "It was extraordinarily disappointing to me that they weren't thinking as Americans," Silva says in the recording. "Those two things are very powerful experiences that, I will admit, influence my thinking."

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 Silva's stories help explain his approach to a controversial deal that came to the New York Fed team's attention in January 2012, two months after Segarra arrived. She said the Fed's handling of the deal demonstrated its timidity whenever questions arose about Goldman's actions. Debate about the deal runs through many of Segarra's recordings.

 On Friday, Jan. 6, 2012, at 3:54 p.m., a senior Goldman official sent an email to the on-site Fed regulators – including Silva, Segarra and Segarra's legal and compliance manager, Johnathon Kim. Goldman wanted to notify them about a fast-moving transaction with a large Spanish bank, Banco Santander. Spanish regulators had signed off on the deal, but Goldman was reaching out to its own regulators to see whether they had any questions.

 At the time, European banks were shaky, particularly the Spanish ones. To shore up confidence, the European Banking Authority was demanding that banks hold more capital to offset potential future losses. Meeting these capital requirements was at the heart of the Goldman-Santander transaction. 

Under the deal, Santander transferred some of the shares it held in its Brazilian subsidiary to Goldman. This effectively reduced the amount of capital Santander needed. In exchange for a fee from Santander, Goldman would hold on to the shares for a few years and then return them. The deal would help Santander announce that it had reached its proper capital ratio six months ahead of the deadline.

 In the recordings, one New York Fed employee compared it to Goldman "getting paid to watch a briefcase." Silva states that the fee was $40 million and that potentially hundreds of millions more could be made from trading on the large number of shares Goldman would hold.

 Santander and Goldman declined to respond to detailed questions about the deal.

 Silva did not like the transaction. He acknowledged it appeared to be "perfectly legal" but thought it was bad to help Santander appear healthier than it might actually be.

 "It's pretty apparent when you think this thing through that it's basically window dressing that's designed to help Banco Santander artificially enhance its capital position," he told his team before a big meeting on the topic with Goldman executives.

 The deal closed the Sunday after the Friday email. The following week, Silva spoke with top Goldman people about it and told his team he had asked why the bank "should" do the deal. As Silva described it, there was a divide between the Fed's view of the deal and Goldman's.

 "[Goldman executives] responded with a bunch of explanations that all relate to, 'We can do this,' " Silva told his team.

 Privately, Segarra saw little sense in Silva's preoccupation with the question of whether "should" applied to the Santander deal. In an interview, she said it seemed to her that Silva and the other examiners who worked under him tended to focus on abstract issues that were "fuzzy" and "esoteric" like "should" and "reputational risk."

 Segarra believed that Goldman had more pressing compliance issues – such as whether executives had checked the backgrounds of the parties to the deal in the way required by anti-money laundering regulations.

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 Segarra had joined the New York Fed on Oct. 31, 2011, as it was gearing up for its new era overseeing the biggest and riskiest banks. She was part of a reorganization meant to put more expert examiners to the task.

 In the past, examiners known as "relationship managers" had been stationed inside the banks. When they needed an in-depth review in a particular area, they would often call a risk specialist from that area to come do the examination for them.

 In the new system, relationship managers would be redubbed "business-line specialists." They would spend more time trying to understand how the banks made money. The business-line specialists would report to the senior New York Fed person stationed inside the bank.

 The risk specialists like Segarra would no longer be called in from outside. They, too, would be embedded inside the banks, with an open mandate to do continuous examinations in their particular area of expertise, everything from credit risk to Segarra's specialty of legal and compliance. They would have their own risk-specialist bosses but would also be expected to answer to the person in charge at the bank, the same manager of the business-line specialists.

 In Goldman's case, that was Silva.

 Shortly after the Santander transaction closed, Segarra notified her own risk-specialist bosses that Silva was concerned. They told her to look into the deal. She met with Silva to tell him the news, but he had some of his own. The general counsel of the New York Fed had "reined me in," he told Segarra. Silva did not refer by name to Tom Baxter, the New York Fed's general counsel, but said: "I was all fired up, and he doesn't want me getting the Fed to assert powers it doesn't have."

 This conversation occurred the day before the New York Fed team met with Goldman officials to learn about the inner workings of the deal.

 From the recordings, it's not spelled out exactly what troubled the general counsel. But they make clear that higher-ups felt they had no authority to nix the Santander deal simply because Fed officials didn't think Goldman "should" do it.

 Segarra told Silva she understood but felt that if they looked, they'd likely find holes. Silva repeated himself. "Well, yes, but it is actually also the case that the general counsel reined me in a bit on that," he reminded Segarra.

 The following day, the New York Fed team gathered before their meeting with Goldman. Silva outlined his concerns without mentioning the general counsel's admonishment. He said he thought the deal was "legal but shady."

 "I'd like these guys to come away from this meeting confused as to what we think about it," he told the team. "I want to keep them nervous."

 As requested, Segarra had dug further into the transaction and found something unusual: a clause that seemed to require Goldman to alert the New York Fed about the terms and receive a "no objection."

 This appeared to pique Silva's interest. "The one thing I know as a lawyer that they never got from me was a no objection," he said at the pre-meeting. He rallied his team to look into all aspects of the deal. If they would "poke with our usual poker faces," Silva said, maybe they would "find something even shadier."

 But what loomed as a showdown ended up fizzling. In the meeting with Goldman, an executive said the "no objection" clause was for the firm's benefit and not meant to obligate Goldman to get approval. Rather than press the point, regulators moved on.

 Afterward, the New York Fed staffers huddled again on their floor at the bank. The fact-finding process had only just started. In the meeting, Goldman had promised to get back to the regulators with more information to answer some of their questions. Still, one of the Fed lawyers present at the post-meeting lauded Goldman's "thoroughness."

 Another examiner said he worried that the team was pushing Goldman too hard.

 "I think we don't want to discourage Goldman from disclosing these types of things in the future," he said. Instead, he suggested telling the bank, "Don't mistake our inquisitiveness, and our desire to understand more about the marketplace in general, as a criticism of you as a firm necessarily."

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 To Segarra, the "inquisitiveness" comment represented a fear of upsetting Goldman.

 By law, the banks are required to provide information if the New York Fed asks for it. Moreover, Goldman itself had brought the Santander deal to the regulators' attention.

 Beim's report identified deference as a serious problem. In an interview, he explained that some of this behavior could be chalked up to a natural tendency to want to maintain good relations with people you see every day. The danger, Beim noted, is that it can morph into regulatory capture. To prevent it, the New York Fed typically tries to move examiners every few years.

 Over the ensuing months, the Fed team at Goldman debated how to demonstrate their displeasure with Goldman over the Santander deal. The option with the most interest was to send a letter saying the Fed had concerns, but without forcing Goldman to do anything about them.

 The only downside, said one Fed official on a recording in late January 2012, was that Goldman would just ignore them.

 "We're not obligating them to do anything necessarily, but it could very effectively get a reaction and change some behavior for future transactions," one team member said.

 In the same recorded meeting, Segarra pointed out that Goldman might not have done the anti-money laundering checks that Fed guidance outlines for deals like these. If so, the team might be able to do more than just send a letter, she said. The group ignored her.

 It's not clear from the recordings if the letter was ever sent.

 Silva took an optimistic view in the meeting. The Fed's interest got the bank's attention, he said, and senior Goldman executives had apologized to him for the way the Fed had learned about the deal. "I guarantee they'll think twice about the next one, because by putting them through their paces, and having that large Fed crowd come in, you know we, I fussed at 'em pretty good," he said. "They were very, very nervous."

 Segarra had worked previously at Citigroup, MBNA and Société Générale. She was accustomed to meetings that ended with specific action items.

 At the Fed, simply having a meeting was often seen as akin to action, she said in an interview. "It's like the information is discussed, and then it just ends up in like a vacuum, floating on air, not acted upon."

 Beim said he found the same dynamic at work in the lead up to the financial crisis. Fed officials noticed the accumulating risk in the system. "There were lengthy presentations on subjects like that," Beim said. "It's just that none of those meetings ever ended with anyone saying, 'And therefore let's take the following steps right now.'"

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 The New York Fed's post-crisis reorganization didn't resolve longstanding tensions between its examiner corps. In fact, by empowering risk specialists, it may have exacerbated them.

 Beim had highlighted conflicts between the two examiner groups in his report. "Risk teams ... often feel that the Relationship teams become gatekeepers at their banks, seeking to control access to their institutions," he wrote. Other examiners complained in the report that relationship managers "were too deferential to bank management."


 In the new order, risk specialists were now responsible for their own examinations. No longer would the business-line specialists control the process. What Segarra discovered, however, was that the roles had not been clearly defined, allowing the tensions Beim had detailed to fester.

 Segarra said she began to experience pushback from the business-line specialists within a month of starting her job. Some of these incidents are detailed in her lawsuit, recorded in notes she took at the time and corroborated by another examiner who was present.

 Business-line specialists questioned her meeting minutes; one challenged whether she had accurately heard comments by a Goldman executive at a meeting. It created problems, Segarra said, when she drew on her experiences at other banks to contradict rosy assessments the business-line specialists had of Goldman's compliance programs. In the recordings, she is forceful in expressing her opinions. 

ProPublica and This American Life reached out to four of the business-line specialists who were on the Goldman team while Segarra was there to try and get their side of the story. Only one responded, and that person declined a request for comment. In the recordings, it's clear from her interactions with managers that Segarra found the situation upsetting, and she did not hide her displeasure. She repeatedly complains about the business-line specialists to Kim, her legal and compliance manager, and other supervisors.

 "It's like even when I try to explain to them what my evidence is, they won't even listen," she told Kim in a recording from Jan. 6, 2012. "I think that management needs to do a better job of managing those people."

 Kim let her know in the meeting that he did not expect such help from the Fed's top management. "I just want to manage your expectations for our purposes," he told Segarra. "Let's pretend that it's not going to happen."

 Instead, Kim advised Segarra "to be patient" and "bite her tongue." The New York Fed was trying to change, he counseled, but it was "this giant Titanic, slow to move."

 Three days later, Segarra met with her fellow legal and compliance risk specialists stationed at the other banks. In the recording, the meeting turns into a gripe session about the business-line specialists. Other risk specialists were jockeying over control of examinations, too, it turned out.

 "It has been a struggle for me as to who really has the final say about recommendations," said one. 

"If we can't feel that we'll have management support or that our expertise per se is not valued, it causes a low morale to us," said another.

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 On Feb. 21, 2012, Segarra met with her manager, Kim, for their weekly meeting. After covering some process issues with her examinations, the recordings show, they again discussed the tensions between the two camps of specialists.

 Kim shifted some of the blame for those tensions onto Segarra, and specifically onto her personality: "There are opinions that are coming in," he began.

 First he complimented her: "I think you do a good job of looking at issues and identifying what the gaps are and you know determining what you want to do as the next steps. And I think you do a lot of hard work, so I'm thankful," Kim said. But there had been complaints. She was too "transactional," Kim said, and needed to be more "relational."

 "I'm never questioning about the knowledge base or assessments or those things; it's really about how you are perceived," Kim said. People thought she had "sharper elbows, or you're sort of breaking eggs. And obviously I don't know what the right word is."

 Segarra asked for specifics. Kim demurred, describing it as "general feedback."

 In the conversation that followed, Kim offered Segarra pointed advice about behaviors that would make her a better examiner at the New York Fed. But his suggestions, delivered in a well-meaning tone, tracked with the very cultural handicaps that Beim said needed to change.

 Kim: "I would ask you to think about a little bit more, in terms of, first of all, the choice of words and not being so conclusory."

 Beim report: "Because so many seem to fear contradicting their bosses, senior managers must now repeatedly tell subordinates they have a duty to speak up even if that contradicts their bosses."

 Kim: "You use the word 'definitely' a lot, too. If you use that, then you want to have a consensus view of definitely, not only your own."

 Beim report: "An allied issue is that building consensus can result in a whittling down of issues or a smoothing of exam findings. Compromise often results in less forceful language and demands on the banks involved."

 In Segarra's recordings, there is some evidence to back Kim's critique. Sometimes she cuts people off, including her bosses. And she could be brusque or blunt.

 A colleague who worked with Segarra at the New York Fed, who does not have permission from their employer to be identified, told ProPublica that Segarra often asked direct questions. Sometimes they were embarrassingly direct, this former examiner said, but they were all questions that needed to be asked. This person characterized Segarra's behavior at the New York Fed as "a breath of fresh air."

ProPublica also reached out to three people who worked with Segarra at two other firms. All three praised her attitude at work and said she never acted unprofessionally.

 In the meeting with Kim, Segarra observed that the skills that made her successful in the private sector did not seem to be the ones that necessarily worked at the New York Fed.

 Kim said that she needed to make changes quickly in order to succeed.

 "You mean, not fired?" Segarra said.

 "I don't want to even get there," Kim responded.

 It would be unfair to fire her, Segarra offered, since she was doing a good job.

 "I'm here to change the definition of what a good job is," Kim said. "There are two parts to it: Actually producing the results, which I think you're very capable of producing the results. But also be mindful of enfolding people and defusing situations, making sure that people feel like they're heard and respected."

 Segarra had thought her job was simple: Follow the evidence wherever it led. Now she was being told she had to "enfold" business-line specialists and "defuse" their objections.

 "What does this have to do with bank examinations," Segarra wondered to herself, "or Goldman Sachs?"

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 Segarra worked on her examination of Goldman's conflict-of-interest policies for nearly seven months. Her mandate was to determine whether Goldman had a comprehensive, firm-wide conflicts-of-interest policy as of Nov. 1, 2011.

 Segarra has records showing that there were at least 15 meetings on the topic. Silva or Kim attended the majority. At an impromptu gathering of regulators after one such meeting early that December, her contemporaneous notes indicate Silva was distressed by how Goldman was dealing with conflicts of interest.

 By the spring of 2012, Segarra believed her bosses agreed with her conclusion that Goldman did not have a policy sufficient to meet Fed guidance.

 During her examination, she regularly talked about her findings with fellow legal and compliance risk specialists from other banks. In April, they all came together for a vetting session to report conclusions about their respective institutions. After a brief presentation by Segarra, the team agreed that Goldman's conflict-of-interest policies didn't measure up, according to Segarra and one other examiner who was present.

 In May, members of the New York Fed team at Goldman met to discuss plans for their annual assessment of the bank. Segarra was sick and not present. Silva recounts in an email that he was considering informing Goldman that it did not have a policy when a business-line specialist interjected and said Goldman did have a conflict-of-interest policy – right on the bank's website.

 In a follow-up email to Segarra, Silva wrote: "In light of your repeated and adamant assertions that Goldman has no written conflicts of interest policy, you can understand why I was surprised to find a "Conflicts of Interests Section" in Goldman's Code of Conduct that seemed to me to define, prohibit and instruct employees what to do about it."

 But in Segarra's view, the code fell far short of the Fed's official guidance, which calls for a policy that encompasses the entire bank and provides a framework for "assessing, controlling, measuring, monitoring and reporting" conflicts.

 ProPublica sent a copy of Goldman's Code of Conduct to two legal and compliance experts familiar with the Fed's guidance on the topic. Both did not want be quoted by name, either because they were not authorized by their employer or because they did not want to publicly criticize Goldman Sachs. Both have experience as bank examiners in the area of legal and compliance. Each said Goldman's Code of Conduct would not qualify as a firm-wide conflicts of interest policy as set out by the Fed's guidance.

 In the recordings, Segarra asks Gwen Libstag, the executive at Goldman who is responsible for managing conflicts, whether the bank has "a definition of a conflict of interest, what that is and what that means?"

 "No," Libstag replied at the meeting in April.

 Back in December, according to meeting minutes, a Goldman executive told Segarra and other regulators that Goldman did not have a single policy: "It's probably more than one document – there is no one policy per se."

 Early in her examination, Segarra had asked for all the conflict-of-interest policies for each of Goldman's divisions as of Nov. 1, 2011. It took months and two requests, Segarra said, to get the documents. They arrived in March. According to the documents, two of the divisions state that the first policy dates to December 2011. The documents also indicate that policies for another division were incomplete.

 ProPublica and This American Life sent Goldman Sachs detailed questions about the bank's conflict-of-interest policies, Segarra and events in the meetings she recorded.

 In a three-paragraph response, the bank said, "Goldman Sachs has long had a comprehensive approach for addressing potential conflicts." It also cited Silva's email about the Code of Conduct in the statement, saying: "To get a balanced view of her claims, you should read what her supervisor wrote after discovering that what she had said about Goldman was just plain wrong."

 Goldman's statement also said Segarra had unsuccessfully interviewed for jobs at Goldman three times. Segarra said that she recalls interviewing with the bank four times, but that it shouldn't be surprising. She has applied for jobs at most of the top banks on Wall Street multiple times over the course of her career, she said.

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 The audio is muddy but the words are distinct. So is the tension. Segarra is in Silva's small office at Goldman Sachs with his deputy. The two are trying to persuade her to change her view about Goldman's conflicts policy.

 "You have to come off the view that Goldman doesn't have any kind of conflict-of- interest policy," are the first words Silva says to her. Fed officials didn't believe her conclusion — that Goldman lacked a policy — was "credible."

 Segarra tells him she has been writing bank compliance policies for a living since she graduated from law school in 1998. She has asked Goldman for the bank's policies, and what they provided did not comply with Fed guidance.

 "I'm going to lose this entire case," Silva says, "because of your fixation on whether they do or don't have a policy. Why can't we just say they have basic pieces of a policy but they have to dramatically improve it?"

 It's not like Goldman doesn't know what an adequate policy contains, she says. They have proper policies in other areas.

 "But can't we say they have a policy?" Silva says, a question he asks repeatedly in various forms during the meeting.

 Segarra offers to meet with anyone to go over the evidence collected from dozens of meetings and hundreds of documents. She says it's OK if higher-ups want to change her conclusions after she submits them.

 But Silva says the lawyers at the Fed have determined Goldman has a policy. As a comparison, he brings up the Santander deal. He had thought the deal was improper, but the general counsel reined him in.

 "I lost the Santander transaction in large part because I insisted that it was fraudulent, which they insisted is patently absurd," Silva said, "and as a result of that, I didn't get taken seriously."

 Now, the same thing was happening with conflicts, he said.

 A week later, Silva called Segarra into a conference room and fired her. The New York Fed, he told Segarra, who was recording the conversation, had "lost confidence in [her] ability to not substitute [her] own judgment for everyone else's."


 Producer Brian Reed of This American Life contributed reporting to this story. ProPublica intern Abbie Nehring contributed research.

Source : http://www.propublica.org/article/carmen-segarras-secret-recordings-from-inside-new-york-fed

" two distinct groups of souls. cosmic beings "

SaLuSa via Mike Quinsey

  26 -  September - 2014

 There are now two distinct groups of souls upon Earth, and these represent those who have opened their consciousness to the truth of their being, and those who are stuck in the lower vibrations and make little or no attempt to understand their position. Until such souls start to awaken to their true self they will continue to only believe what they see before their eyes. However, we do not condemn such souls in any way and we make allowances for those who are controlled by their ego. It is only experience that will bring about a shift in consciousness, when one starts to question the purpose of life. The truth will come to all given time, and this period upon Earth is the ideal time to bring up questions about the purpose of life. For those without some form of faith it is a very difficult time, as they question why a God of Love allows such atrocities that are taking place.

 Many understand that as God is All Love he allows his children to have the freedom to experience as they desire, but they often fail to understand that they are the responsible for the results. You have an expression about “making your bed and laying on it” and that sums up how you create your own future. Freewill is wonderful but you have to learn how to handle it, without interfering with the freewill of another soul. Man has great difficulty in understanding the concept of you all being the One, and therefore what you do to another you do to yourself. Man tends to look after number One without realising that over a period of lives you will experience many different situations, and each is intended to give you the experiences you need to further your evolution. No other soul is any more or less than you are, but may nevertheless have developed a greater level of consciousness.

 Whatever stage of evolution you are at you rest assured that you will always be helped to progress, and no one faces the world alone. In fact you have so many helpers you cannot fail to achieve your life plan, as they will ensure that you have the experiences that you need. It is no good complaining about your life, but far better to get on with it and make the best progress you can. Some of you do not believe you are helped at all and that is because you are unaware of your life plan, and for experience you have to accept the good along with what you call the bad. All experience is of value even if you cannot understand it, as it may not seem that there is a life plan working for you, but there certainly is and all experience is presenting you with opportunities to evolve. We know that some souls cannot believe that they have agreed to the way their life is working out, but it is carefully planned with your agreement and the freewill aspect still exists.

 We know that many of you are at an advanced level of understanding, and your presence upon Earth is instrumental in helping others in their understanding of the truth. Some of you came specifically to give such a service to others, and often it has meant a certain degree of sacrifice as such work requires a very dedicated soul. Each of you that have indicated your desire to help others will be used as the need arises, and we look upon you all with equal love and joy. Life may sound complicated and for many it is, but it is very carefully planned to be of maximum benefit to you. Some will not agree that they have accepted the experiences that come their way, and cannot understand why they should have done so. Dear Ones, the truth is that you know you are being pointed in the direction that best covers your needs. When you are in the higher dimensions it all seem so much clearer and you trust those who oversee your life.

 Some souls have questioned how we can be so positive where your future is concerned, and that is because at our level we can not only see the greater picture, but are aware that at any time the old cycle can be brought to a conclusion. It is therefore possible that such matters can be concluded at any time, but that decision lies with souls that oversee your evolution. We tell you these things so that you will not assume anything is beyond possibility where your evolution is concerned. Matters are much more fluid than you can possibly imagine, but being in the lower vibrations you cannot easily envisage a completely different scenario.

 Everything you can possibly think of can exist as nothing is new or what you call original thought. You can link with what was and interpret it in another way, which is how technologies are re-introduced in a New Age. For example what you call Flying Saucers which are planetary vehicles are not equipped to go into Deep Space, and not new to your Solar System. As knowledge and understanding of them grows so you will find that very “conveniently” they are your Inter-planetary vehicles. Matters are speeding along so that when you “come of age” everything you need will be available to you. You are Cosmic Beings in your infancy and are evolving very quickly so that when you have full consciousness, the Universe will be yours to explore.

 By comparison you live such a simple life on Earth, but it is ideal preparation for the changes you will encounter. Evolution is more concerned with you as an individual and making sure you are sufficiently evolved to be let loose in the Cosmos. As you may already know, you cannot reach levels that are higher than your own vibrations, so it is in your interests to take this coming opportunity to leave the lower ones behind. You have the potential to become a Being of Light and that is what you should be working towards. We know that you will want to know how you are doing, but providing you apply yourself correctly you need have no worries as we will always be near you to assist.

 I am SaLuSa from Sirius, pleased as always to enlarge your knowledge of what lies ahead. You will realise by now that we are all part of the One, and as such we treat you as our brothers and sisters. Nothing would please us more than to help you achieve your goals, and we believe that we have been with you long enough for you to understand how we relate to you. I leave you as always in Love and Light.

 Thank you SaLuSa.

 Mike Quinsey.

Source :  www.treeofthegoldenlight.com/

" discourage. 2017. media credibility on ebola, ukraine,etc. energy streamers "

Matthew Ward via Suzy Ward

23 -  September -  2014

With loving greetings from all souls at this station, this is Matthew. In addressing readers’ most recent questions, we cite one that is the essence of all: Was Scotland’s rejection of independence a setback for world progress? We don’t see it that way. We see as progress that there was an election, that the citizens of Scotland could, and did, peaceably make their case for sovereignty.

 Although the outcome disappointed forward-looking Scots, their forceful call for independence made clear to the government of Britain that there must be changes in their relationship not only with the people of Scotland, but also of Wales and Ireland.

 For the moment it remains to be seen how quickly the proposed changes will come about and to what extent they will satisfy the citizens of those countries. In the longer term, governmentally-imposed regulations, restrictions, penalties and tax levies will cease everywhere. All of Earth’s peoples will know their divinity in the Oneness of All, their innate knowledge and powers as multidimensional beings, and everyone will respect the sanctity of everything within Creation.

 We have been asked time and again why some off-planet sources give a timeframe for the occurrence of one thing or another and we do not. First, we urge you to be very discerning about channeled information, particularly announcements of NESARA or sudden wealth. And be aware that some information that purportedly is channeled actually is written and disseminated by individuals to intentionally misinform, discourage or frighten readers.

 Now then, one reason we aren’t comfortable giving a time is the difficulty of putting into your linear construct something that exists in the continuum. We shall come back to that, but first we want to speak about our other reason because it is by far the more important. Your expectation of a specific happening sends forth positive energy that is tied to a certain time; if nothing significant is evident then, the energy turns into disillusionment, discouragement or even anger, and that vibratory downturn further delays the projected happening.

 That said, we happily tell you that the decade of delay in your society’s advancement will end in your year 2017, a most propitious timeframe indeed with a celestial window similar to the one during the December 2012 solstice that eased Earth into fourth density. Your concept of time actually is energy in motion, and since Earth’s ascension route is into successively higher, or lighter, energy planes, the few interim years will pass with increasing speed. And, ever-heightening vibrations along the way will enable expanding realization of soul-level knowingness and powers of manifestation that you will heartily welcome.

 This departure from our usual reluctance to mention a time is only in small part because the planetary alignment in 2017 is a given. Much more so, beloved family, it’s because your optimism and enthusiasm about Earth’s future will counterbalance the negativity of mainstream media’s reports on the Ebola epidemic, Ukraine, Afghanistan, Iraq’s tenuous new government, the long-running Israeli-Palestinian conflict, and especially at this time, efforts to halt the advancement of ISIS forces in Syria.

 We aren’t underestimating the seriousness of those situations by saying that the repetitious films and reports with dire-sounding outlook are evoking the fear and pessimism that keep the populace constrained in third-density mentality. For instance, the projected three-year or longer effort to eliminate ISIS—it needn’t take that long!—and an Ebola epidemic that is out of control—it isn’t! 

Despite media’s loss of credibility to some degree, the vast majority of Earth’s peoples believe “expert” assessments because they don’t know what you do. They don’t know that the circumstances they worry about would run their courses much more rapidly if positive energy streamers were propelling them. They don’t know that today’s mayhem is offering many millions the opportunity to complete third density karma, attain balance and evolve. They don’t know that they chose to be on Earth so they can participate in everything that is transpiring or that the outcome will be Earth’s Golden Age in full flourish.

 We aren’t suggesting that you attempt to change anyone’s mindset—the pace of growing in conscious and spiritual awareness is every soul’s God-given right. It is that the light in your positive thoughts and feelings radiates out into the world and hastens the ending of all fighting, hardships and suffering. Light—love!—is the key to peace, health and prosperity.

 A reader who interpreted “reference library” in a previous message to be our knowing “everything there is to know” asked why we attributed to colleagues in Nirvana what we stated about the Malaysian aircraft that was shot down in Ukraine. We did so because they were the source—and our knowledge base grows continuously. Some information comes from individuals in Nirvana who monitor happenings on Earth and some from highly-evolved souls in other spirit worlds, God, members of advanced civilizations, universal councils and master teachers.

 We also derive information by observing Earth’s energy field of potential, which reflects the collective consciousness of all her residents—people, animals, plants and the Devic kingdom—and we report the field’s most significant activity at the time of our messages. But because every resident’s thoughts, feelings and actions affect the ebb and flow of energy, a situation may change considerably before our subsequent message.

 Energy streamers influencing a situation may have strengthened and turned a possible outcome into a probable outcome. A situation that was developing into a probability may have reverted to a possibility because its streamers weakened. A surge of energy may have entered an area where movement had been barely perceptible. The intensifying momentum behind what had appeared to be a highly likely outcome may have fizzled completely because a strong burst of energy sideswiped it. Absolute certainties—predestined outcomes—are extremely rare, and Earth’s ascension out of third density and continuing to her destination in fifth is among the very few exceptions to energy’s vagaries.

 At the moment the energy field is rife with activity. New energy streamers are emerging, some are changing directions, some are gaining momentum, some are dwindling to mere wisps; and all of the continuous movement is maneuvered by your collective thoughts, feelings and free will choices. This is why, even though the ultimate outcome of everything underway is known in the continuum because it is predestined, it isn’t possible to pinpoint in linear time exactly when a specific happening will manifest.

 Occasionally a person’s passing touches the heart of the world, and so it is with Robin Williams. Our colleagues in Nirvana told us that a throng of thousands gathered to greet this soul who had given pleasure to so many during his Earth lifetime, and we hasten to assure readers who wrote that they prayed he wouldn’t be “penalized” for ending his life—he will not be

. Let us speak first about entry into Nirvana. The soul is liberated from the etheric body and the psyche, which arrive in the same condition as when the person left physical lifetime. Robin’s psyche was beset with such pervasive, painful depression that eventually it took control; he thought that only by ending his life could he escape the intolerable agony. His traumatized psyche needed to be healed, and this came with customized care and constant attention in one of Nirvana’s specialty areas that can be likened to your hospitals’ ICUs.

 Our colleagues report that Robin’s psychic healing was swift due to cellular patterning of lifetimes in advanced civilizations, he had completed all major contract provisions and depression was not a contract choice, he is in the company of friends and family from his immediate past and previous lives, and he is joyously experiencing other wondrous aspects of life in Earth’s spirit world. We add our own knowledge, that lighted beings throughout the universe honor this highly evolved soul who had chosen to be generous in spirit, energy and resources and by far exceeded even that extraordinarily grand measure.

 As for suicide’s pertinence to all souls, I asked my mother to give you the information I gave her many years ago. [The following is the “Suicide” chapter in Matthew, Tell Me about Heaven.] 

[     Matthew, are people who die by suicide treated differently from the others?

 Yes and no. They are given the same personal, loving reception as all other arrivals, and every effort is extended to assist in their healing and adjustment just as it is with all other traumatized souls who need customized treatment. However, they enter at a special treatment station because their traumas need a unique kind of maximum care.

 I know you have heard that people who take their own lives face a punishing form of spirit life, but instinctively you doubt this is so. You are right, it is not so. It isn’t fair or reasonable to lump all suicides into one category with one exacting judgment for all to face up to.

 In some cases the cause of suicide is severe body chemistry imbalance that impairs sound decision-making. In other cases, what you call insanity leads to suicide. Some people act out of extreme depression, perhaps due to loss of someone they considered vital to their lives, and depression takes over their rational thinking. Some take their lives on foolish dares, not believing the risk would result in death. Others act in despair of the moment rather than give the spirit time to be strengthened. Some end their lives to end intractable pain. None of those is more reason for harsh judgment than death attributed to heart failure or a broken neck.

 Some people in relatively sounder condition consciously decide to end their lives. For some, this is in total capitulation to a series of adverse events, sometimes to provide for their families in the only way they feel is left to them, insurance money. Other people conclude that they cannot deal with situations they find too difficult or unsavory—perhaps their marital infidelity or financial or political corruption has been discovered, or they have been discredited by their peers. These calculated cases also are very sad because those people really don’t wish to leave the whole of their Earth life, only those aspects they see as so overwhelming that in their opinion, death is the only remedy.

 Whatever their reason, people who commit suicide review their Akashic records with the same self-assessment and next lifetime planning process as any other soul. It is true that they incur an accumulated lesson by having to repeat all the lessons they chose but didn’t complete, but there is no punishment or heavy karma levied due to self-inflicted death. Intent, or motive, is the basis for all determinations of self-judgment, and those people need not judge themselves any more severely than any others in this realm.    ]


 Thank you, Mother. Now then, readers in Europe have written concerns about the Muslim population in a number of their cities. Dear ones, they are not there to cause you unrest! They have responded to soul-level guidance to become acquainted with new geographic areas, cultures and philosophies; and because adjusting to dramatic newness isn’t an overnight feat, their clinging to what is familiar—their kinsmen, attire and religious traditions—is natural. They aren’t the only ones choosing to migrate, but they may be the most obvious. And, just as in any population, some individuals behave badly, and long-time residents in the area may mistakenly ascribe that behavior to all persons in the new population.

 To readers who are endowing all Muslims with the same radical religious views as ISIS, or ISIL, we say: Please don’t! Some of you cited passages in the Quran that permit, even advocate killing your enemies. The Bible has a plethora of that same kind of material, and both books dreadfully distort the faiths’ original tenets.

 For instance, the biblical reference to “born into sin”—not to mention the claim that Jesus died to save sinners!—is a grievous departure from ancient records of Jesus’ teachings. He taught that “sin” is but an error in judgment, and the only error is interfering with the growth of the soul, one’s own or another’s.

 The ingredient of every soul is the pure love energy essence of Creator and this is the makeup of all newborns. When individuals are indoctrinated from infancy onward in hatred, vengeance and killing in the name of a religion, they are drawn to groups like ISIS. Thus, even though that militant force may think it is acting upon religious principles, it is not. It is acting out the result of minds inculcated with the right and responsibility to brutally defend and promulgate their beliefs, however in error those are.

 It was much the same with Christianity. Consider the Inquisition, the Crusades, the persecution of indigenous peoples in Latin America by the Catholic conquistadores. Later, in the land that became the United States, Christians annihilated bison herds to deprive the native population of their source of sustenance and they reduced that population by massacres and disease.


 Beloved family, all of your religions that began in the purity of spiritual truths departed from their beginnings to some extent, and the greatest deviations are in Islam and Christianity. Most karmic lessons incurred by generation after generation after generation stemmed from what was done in the name of religion, the most divisive, destructive aspect of life on Earth.

 The process of world transformation and spiritual renewal is bringing to an end what long ages ago the darkness imposed upon hearts and minds: Fear or scorn whatever is different—destroy what you fear, disrespect and discriminate against differences you deem inferior. To insure that this would take firm hold within humankind, the darkness implanted the idea of labels to denote differences. Thus society came to regard—and often judge—individuals in accordance with their religious, national, cultural, ethnic, political, governmental, ideological, racial, professional, traditional, financial or social status.

 We call you lightworkers—is that not also a label that designates a difference from those who are not? It is, but never is the intention separateness from other souls, much less elevation above any. Lightworker is knowing who you are—an inseparable part of God and all other souls—and what you are doing—sending forth the light that is freeing Earth’s peoples from those divisive constraints so that everyone can live together peacefully, respectfully, cooperatively and harmoniously. All souls on the planet will be living within the light, wherein labels have no place.

 With unconditional love, we are at your side all along your ascension pathway. 

LOVE and PEACE
 Suzanne Ward

 Source : www.matthewbooks.com

" what is mental plane. all is ready. surrendering to splendid truth of who you are "

really beautiful...


The Divine Mother via Linda Dillon

An Hour with an Angel

 20 - September - 12014


 Graham Dewyea: Hello, and welcome to An Hour with an Angel, with Linda Dillon, the channel for the Council of Love and author of The New You: Emerging into the Brilliance of Humanity’s Heart Consciousness. Joining her is Steve Beckow, founder of the Golden Age of Gaia and author of Building Nova Earth: Toward a World that Works for Everyone.

 Our guest today is the Divine Mother. So with that I’ll pass it over to you, Steve.

 Steve Beckow: Thank you, Graham. And, Graham, you and Suzy Maresca are joining us at Lake Tahoe.

 GD: What a treat! We have a very… a very generous listener and lightworker who approached us and is making that happen. So I know I speak for Suzy as well. We’re just entirely grateful, and it’s going to be beautiful to all gather again.

 SB: Right. I only wish we could get the whole gang together! But next year for sure we will!

 GD: Yeah.

 SB: So, thank you. And I’m really looking forward to it, Graham. And Linda, before we ask you to allow the Divine Mother to speak through you, I’d like to introduce her to those of our listeners who may not be familiar with her and may be wondering exactly who she is.

 The Divine Mother and Holy Father are two aspects, two phases of the One. The Father is stillness and silence. That’s what differentiates the Father from the Mother: void of movement, but filled with love and wisdom. The Divine Mother is movement and sound, and that’s what differentiates — well, differentiates…it’s hard to use that word — but differentiates her from the Father. And she’s also filled with love and wisdom. The Divine Mother creates, preserves and transforms worlds, life, et cetera. The worlds are created to give us a school of experience that allows us to uncover our identity as the One. And each time someone does that, God meets God. And for this meeting was all of life created.

 So, with that introduction, I’d like to welcome the Divine Mother.

 Divine Mother: And welcome to you, beloved ones. Yes, I am the Mother — Mother of one, Mother of all, Mother of Love, and as you say, dear Steve, essence of Love and essence of movement, essence of sound. And so it is my joy to make these sounds, and to engage in the movement of sound, and even what you may consider heart and arms, to enfold you, to embrace you, to remind you that you are One, for there is really very little else I have to say. And I say it in a million universes and in a million ways, but, beloved ones of Gaia, of Arcturus, of Andromeda, of CeeCeeCee, all of you are One, different expressions, delightful expressions, of us, of One, and of you.

 This is the core of what you are coming to fully understand, comprehend, and embrace in the wisdom of your sacred self, that you are a reflection, a mirror; unique, wondrous in your splendor, your definition of One, of Love.

 And as the illusion rapidly disintegrates that you are anything else, the depth of understanding and wisdom anchors within you, not merely that you are in service to One, not merely your deep affinity and Love for me, but your Love of your sacred self. For how, how do you love me? How do you serve? How do you create and become? For you are an infinite expansion as well, dear heart. So how do you do that if you are not in Love, and the Love of who you are?

 Yes, this is a theme, a constant, a changeable, an infinite, an eternal, that I tend to harp on as Mother, for you have engaged in various realities, time and time and time again, to have this incredible experience of meeting yourself within and therefore joining, merging and being with us in what you can think of as the without. But it is also within. Just as the universe rests entirely within thee, so you rest entirely within us.

 There is, and there can be, no separation in any universe, on any planet, in any dimension. That is not possible, to be separate. Now, that is an illusion that has disintegrated. Your old 3rd dimension is basically eradicated. It was a human creation, the power of which most certainly demonstrated your brilliant facility at creation — and, if I were to tease you, I would say mis-creation. But it has led you back to this point of conjoining, and this point of union and Love.

 So, how can it be termed a misstep? Yes, there are many adventurers who wish to stretch their wings and their egos. In some ways, it matters not, because that false identification is only that. Sooner or later, you discover that and in that discovery, you rediscover yourselves and us.

 Now, in the past, several years — well, actually for eons, but we will speak of your years because that is the framework within which you have been operating — you have come to the understanding, deeper and deeper every day, might I even suggest every minute, not merely of your worth but of your power, of your will, of your desire. These are merely aspects of your sacred being. And the movement that you are in is towards the fulfillment of your desire, of your mission and purpose, and therefore my mission and purpose —if you can think of it that way.

 Because I do not get up in the morning, or at the beginning of a new life, and simply say, “Why am I here, and what shall I do?” That is a uniquely form undertaking. And why I say this is because there is this experience that you are having of a beginning and an end, and therefore in many ways you become, and are programmed to some extent, to be task-driven, mission and purpose-driven.

 This is a spiritual drive. It is a heart drive, to not let me down; it is impossible to ever let me down. Because in that, inherent in that, is the feeling of failure or separation. When you waver — yes, and I have felt you, of course — when you waver, when you question, when you delve, I bring you closer. I do never shun you or push you away. Are you free to explore? Of course. But energetically, even in that exploration I bring you closer. And as you become closer to your essence, your Love, my Love, our Love, what often occurs, sweet angels, is that the questioning, the delving — not the despair, but the delving into the truest meaning of your existence and of all of existence — becomes deeper, more profound.

 The physical trappings of life, regardless of where you live or what your circumstances are — which have been determined by you in concert with your guides and myself — the outer trappings become less important, less significant, and the journey, the push, the drive, to return to Love, it grows, and it grows very deeply and very rapidly.

 Now, have we, in this what we shall call Ascension phase, have we gifted or added energies to enhance this drive and this knowing? We most certainly have. And it began with my gift of clarity. Too often, beloveds, you are given a gift, tangible and intangible, of something like clarity and you will work with it for what we see as a very brief time. And then you lay it aside as if it is a child’s toy that you have tried out and become bored with. And yet what we are doing is reigniting the very divine qualities that will not only assist but catapult you in the Ascension process, individual and collective.

 I hear so few of you saying to me, “Mother, I call upon your gift of clarity this day.” Now, it is already embedded within you, like so much. So it is simply pulling it up, into your heart — yes, in tandem with me, with One, with the realms that you don’t even know of — of choosing to access it. I have given you my gift of grace, which is the crowning glory of all divine qualities, for you to simply call upon. You — and I speak in generalizations to the people of the world — you do not believe fully and completely that you are the embodiment of grace. And this still speaks to part of your fragmentation; yes, you are working on your integration. But what do I do? What do we do to enhance this knowing, again, this internal and external pulling up of the grace?

 Well, I have strengthened my Tsunami of Love because as it washes through you it not only imbues you with grace; you are required to call upon the purity, the clarity, the grace to make it through. And I will not allow you to drown or suffocate or tip your boat. You have begun this day by saying that we are one. I am not calling you home. I am calling you to come and play, to play in this magnificent garden of Gaia, which has been morphed, actually, for a place for you to fulfill, a place for you to become, to create, and yes, to resurrect.

 This is a term we do not often speak of. We speak of reconstruction, re-direction; but we talk about resurrection this day in the truest meaning of the word. You are resurrecting the truth of who you are individually and collectively; you are resurrecting my plan for this planet. You are resurrecting your desire to build Nova Earth. It is why you first came, and it is why you have come in form, incarnated, not that you may fly free and fly home, but that is unique in all my universes, that you will anchor and be the Love in form.

 Whether you are angel or starseed, hybrid or Earth-keeper, you have all begun as that infinite and eternal spark of light and Love. That does not change. So what you are doing is awakening it, anchoring it, becoming the fullness of your multidimensional self, and letting go of any belief, any issue that bars you from joy. Let us begin there, dear Steve, and I will let you ask questions.

 Steve Beckow: Thank you, Mother. And you said earlier that… you said “in your million universes.” And I think there may be some listeners who think you’re being metaphorical, but I don’t think you are, are you?

 DM: Oh, no, I am not!

 SB: [laughs] Wow! It seems to me that we’re creating a whole new environment. We call it the 5th dimension. The 5th dimension exists on the other side of life as the mental plane. But we are… it appears that we are creating a new environment in the sense that we will be in our physical bodies and on the other side of life, they’re not in their physical bodies. First of all, is that true? But second of all, how will we communicate with the mental plane, as it’s called on the other side of life, if we’re in physical bodies and they’re not?

 DM: You give too much credence to what you are thinking as strict confines of both the physical and non-physical realms and dimensional realms.

 SB: Can you explain that, please?

 DM: Now, you see… Yes, I would be happy to.

 SB: Thank you.

 DM: There are a variety of explanations for dimensions, but my desire — and therefore it shall be — is to make this very simple. What you have thought of as being able to access, say, the other side of life, what you think of as the 5th or 6th or 7th dimension, a part of the construct of your old 3rd was, “well, I have to die” and that in many ways was the carrot, or the reward, for leaving your form, outmoded or not. But that is not an absolute truth. It was a construct for understanding how your old system worked. And we know… and this is part of what some of you, my sweet ones, view as confusion, befuddlement, questioning; because yes, you are creating a new environment, an environment that has never been known in the realm of human experience or upon Gaia. Yes, it is a return to original plan, but that plan went awry very rapidly in the very beginning.

 What is the mental plane? It is the place of…one place of ideas, of the management of… shifting, constant change, change of ideas, change of beliefs, change of paradigms, change of how you experience things. Well, one of these things that the mental plane has done is made you believe that you cannot be there in form, and that is simply not so! In fact, many of you — and you know to whom I speak in this moment — almost completely exist on the mental plane and you do have interactions or conversations with beings, seen and unseen. And this is increasingly so and I do not simply mean beings who have had human form and since moved on, I mean the angelic realm, your star brothers and sisters — telepathic communication with other human beings in form and out of form.

 Now, you are thinking to experience in physical reality that the 5th dimension, which many of you truly love, is that you will wish to see those who have departed, who have abandoned their physical form, with your physical eyes, not merely your 3rd and 4th eye, which is how the majority of you — and your 5th by the way — is how the majority of you tend to see that realm at present.

 I am not preventing you from doing that, from seeing what you have thought of as the unseeable with your physical eyes. What bars you from that is two-fold. First, you do not believe it. So that is something even as we speak this day I would like you to let go of. Give it to me, child. And the second part of that issue is that you do not believe those without form can be seen. Again, that is a belief system.

 Now, when you are — and so we will address that because that is different than say, seeing your star brothers and sisters, who are in physical form, so we will exclude them. When you are out of form, you have — not limitation but the full realm of choice. You may appear as a symbol, as a sound, as a color, as an orb, as a shadow, or in what you would think of as an apparition of your desired form. And that is why you hear so many on Earth who see the dead say that they saw them but they looked like they were in their twenties or thirties, or in their prime because that is the choice that that soul is making in terms of the forms. And they can dance back and forth from being an apparition form, which can be as solid as you like, or a pinprick of light, or merely a unique sound, or scent. So this is possible; it’s not only possible, it is the way it is.

 Now, do you understand what I say?

 SB: Yes, Mother, I do.

 DM: Now, is this not something to look forward to?

 SB: Very much so. And I’m sure there’s much more to look forward to that I can’t even think about or haven’t thought about.

 DM: So much of what you are doing in the work — and you all — and yes, I do speak to my beloved legion, my lightworkers; yes, Michael’s as well, my love-holders — so much of what you are doing is anchoring what you have thought of as the future into your now. Jophiel, Uriel, Gabrielle, they all tell you the future is the now. So now I tell you, so much of what you were doing is taking that and bringing it inside physicality. Is this simple? Yes, and it is the most complex thing that human beings have ever done. Because you are not in the fullness of your enlightenment or Ascension; you are in the process, and it is literally charting the unknown.

 That is why we are trying, all of us, to give you as much information, guidance, what you think of as ‘esoteric wisdom’, to assist you in this undertaking. You are our partners. You tend to say, “I am in service to the Mother.” And I express as you are my family, you are of me, you are my children. 

Some of you do not like it when I call you child or children, thinking — thinking! — that that somehow diminishes you and it makes you amateurish or still in process of learning. But when I say this, that I Love you, my children, I am telling you of our bond, of our infinite and eternal bond; that I am of you as you are of me; that we are one family.

 So, what you are also seeing and beginning to experience in what you think of as the 5th dimension — which is a delightful place, by the way, a state of being — you will also see how the shift… not the process of how it becomes, but what is the result, the outcome. So you see new relationships, new ways of being, new institutions, new Cities of Light, new buildings, clean Earth, clean air. And as you see this, as you think that you imagine it, bring it in and anchor it in your body. So, ‘now I am anchoring clean air’, ‘now I am anchoring peaceful society’, because in so doing, you are shifting the entire collective.

 You do not need that many to complete this process. Think of it in this way, seeing that we are speaking of the mental plane; it took very few, as you have come to understand, to create and to anchor the desecrated 3rd. This was not a collective decision or creation. It became a collective illusion, but it was not ever a consensus. And that is why, when there was a consensus, albeit spiritual — and emotional, by the way — of the collective in 2012, that said, “We wish to correct this and do it as one.”

 That in itself was a miracle and you are reaping the rewards of that miracle. Yes, it doesn’t always feel like it, does it? That is why we like and welcome the opportunity to share this perspective with you, because even the chaos, the terrible mayhem that is on the surface of cleansing is just that. It is you, not only us, sending you great deals of energy. It is you as a collective saying, “We don’t want this anymore.” So let’s bring it up the same way you would vomit, because you wish to get rid of the poison.

 And my dear hearts, you are doing so. And you are doing so much faster than you believed, and you are not doing so alone. The entire Company of Heaven is assisting and doing what they do best, some of which is unseen, some of which is seen in terms of outcome.

 In this time of my divine conjunction, there is the ability — the timeliness, in your framework, and in eternal framework — to join. Now may I create and change this alignment? Of course. Do I keep it infinitely open? No. And why is that? Because I know you, I know you, my beloved children. And if I say to you, which I have, that you have infinity to complete this task, then that is basically what you will do. It is not, in our terms, such a sense of urgency as in rightful alignment; all the analogies in the human realm that you can think of — the moon, the stars, the table is set, you are ready for the dance, the orchestra is playing — all of this is ready.

 So what… what is required, short of my simply continuing to show up in your living rooms, which I will do? It is your surrender, complete surrender, lying-on-the-floor-like-a-limp-noodle surrender to the truth of who you are, which is magnificent, operating, yes, within a human framework. But do not confuse being in a human, physical framework or reality, with limitation. You say, “Well, my body, Mother, is only capable of so much.” And what I suggest to you is you have only begun those experiments, and I do not mean cloning, et cetera, but your body may be capable of only so much, but your spirit is capable of so much more!

 And you choose — I do not say this to chastise thee — you choose to believe that you are only capable of so much. And you say, “Well, yes, Mother, I do believe that, because I think I have been banging on this door forever, and it isn’t opening.” But the door you have been banging on is the door of the old paradigms. Turn away. Let us open the door for you. Let us escort you through, pathfinders, wayshowers, pillars, gatekeepers.

 There is a translation factor here. And sometimes you do not ask us. So you say to me, “All right, Mother, show me. I will go with you through that door, through that portal. I have waited forever. So let it be so. And by the way, in the meantime, can you please make sure my family has a roof over their head and food on the table?”

 Do you think I do not know this? Of course I do. There are two things: When you surrender and truly embrace you, and all, as Love, the physical is and will be taken care of. You can break that paradigm, and many of you are, already. But the second piece to that, my sweet angels, is so often, [you] say, “All right, I will walk the spiritual path, because that is where my joy is,” but you continue to, of course, be concerned about feeding your family and all the earthly challenges. Ask me how, not merely to do it for you, for that is the old way, when we parted seas and rained down from heaven; but when you ask in the way of partnership, of co-creation of this new world, ‘how?, what?, when?’ we understand these words.

 So part of what you are creating in this new reality and what you have called, dear Steve, the new environment, is not merely requesting me or heaven to take care of it, it is proceeding in partnership, in co-creation because you are my mighty children, and you know how to do this.

 Will I help? I have never stopped helping. Will I do it all for you? No, because you are learning; you are learning and remembering this power of creation. Will I let you fall, or drown? No. But you say, “But Mother, there are many falling, in war and abuse and hunger.” Yes, there are. And these are souls who have said very clearly that they will do this, this is their mission and sacrifice in order to catapult the collective through the door. So they are loved and honored and cherished as deeply and as fully above as below. And it does not matter whether they appear to be the perpetrator or the victim, because they all carry that spark of light. They are all loved.

 It is the perpetrators, when they return home or to the other planes, that need the greatest comfort, the greatest compassion — no, not permission, not sanction, but healing. So do not judge. But you hold the new energy, which is the original energy. There was never anything such as original sin. It was original divinity. And if there was ever anything that should be construed as sin, it was that this was forgotten. But now it is remembered. I beckon to you, I hold you closer and closer. I come to you as you come to me. We all do. Let us do this together.

 SB: Mother, can I ask a question?

 DM: Yes.

 SB: Well, first of all, there’s so much that I want to talk to you about, and an hour just isn’t enough time. But let me ask this one question. You talked about that we lightworkers are building Nova Earth and we’re creating the new environment. We are soon, we hope, going to be gifted by the re-val with significant abundance, and many lightworkers have taken the opportunity to buy Zimbabwean dollars or Vietnamese dong. And they will then be using a part of that to create Nova Earth.

 Can you talk to us, please, about — can you give us a charter of what you would like to see us do with that part of the money that’s going to go to that, in the five minutes that remain, please?

 DM: First you take care of yourself and your family. You know that already from my beloved Michael.

SB: Yes.

 DM: Then, you take care. There is a term that I use frequently with all of you, and it is gentle, and it is grace. So when I say, “Take care of those around you, those within your community” — and yes, I do mean your lightworker community, who are in need, and then take care of what your heart dictates, there are some of you who immediately migrate to taking care of the humans, and there are some of you that immediately migrate to taking care of the land, of the oceans, of the seas, of restoring Gaia. There are some of you that are moved to reinstate systems, institutions, cultures that support ethical behavior. So, do that, because it is always in alignment with your mission and purpose. There are some of you who are moved to take care of the barking animals, because they are hungry.

 Now, in the new world, many species that have been extinct will return. Your cities become places of fresh air and play and gardens. And so some of you will wish to take care of that and be part of that creation. So, go towards where your heart pulls you. Many of you have come to work with your star brothers and sisters, because, do not forget, we know the attention in the moment is on the Ascension and the completion of this wondrous, wondrous anchoring of Love.

 But the next phase, dear heart, is the ripple effect out into my universes. So, many of you will be focused on working with your star brothers and sisters and the next Ascension. Go with my love. Farewell.

 SB: Thank you, Mother. I wish we had more time. Farewell.

 Channeled by Linda Dillon 09-18-14 © 2014 Council of Love

 Source : http://counciloflove.com/2014/09/divine-mother-it-begins-with-clarity/

" multi-tasking. memory will become sharper. "

Sanat Kumara via Linda Dillon


13 - September - 2014


Suzanne Maresca: Good morning and welcome to another offering of Heavenly Blessings with Linda Dillon, channel for the Council of Love and author of The New You – Emerging into the Brilliance of Humanity’s Heart Consciousness and myself, Suzanne Maresca.

 Sanat Kumara will be joining us today to offer an update on how we are doing in the unfoldment of the plan of Gaia. As Planetary Logos, he can offer a perspective beyond our human perceptions at this time, and I imagine in my optimistic heart that the Plan is flowing along beautifully. Since our Raj has also served as primary guide for understanding the Universal Laws, he will also be discussing how we are adapting to really working with them.

 So overall, in the midst of another intense gateway and full moon, and while balancing ourselves in two worlds at once, somehow we are managing to get through and maintain our compassionate and loving selves. It feels like the whole point for any of this Earth experience, and I look forward to hearing how it all looks from a higher perspective. Good morning Linda!

 Linda Dillon: Good morning Suzi! Boy, you’ve covered the waterfront right there, didn’t you! [Laughter] And yet, did you see that moon last night? Wasn’t it incredible!

 SM: Oh my gosh, totally, for two nights now. Last night it was a little cloudy and just beautiful.

 LD: Yeah. Because it was cloudy, at least where I live, it sort of made it very mystical looking.

 SM: Yeah.

 LD: Yeah. I love full-moon time.

 SM: I know, me too. It’s been adding to the intensity of the energies for sure.

 LD: Yes and the energies were quite intense enough to start with. And I think that’s part of what Sanat Kumara is going to speak to us about today, is to really get an overview – and he’s been chatting to me for… oh I don’t know, hours… actually he’s been chatting to me since we decided to do that. So in one way, I have Mother Mary on one hand and Sanat Kumara on the other, and surrounded by the Archangels. I guess you could say I’m in good company! [Laughter]

 SM: For sure, always. Yeah. Wow.

 LD: Yeah. It’s been intense. I wanted to, before we even get started, I wondered if I could share with our listeners that, as you all know, we are preparing for the Annual Council of Love Gathering in Lake Tahoe, which really has become more abundantly clear over this past weekend that this is Mother Mary’s workshop.

 You know, every year we have a workshop and there’s always a primary guide, or guardian, or master, being that claims the oversight I guess of the workshop – like Saint Germaine did the healing and the Violet Flame, Sanat Kumara has done Creation and the Universal Laws. Well, this one belongs to the Divine Mother, and she wouldn’t leave me alone in terms of not doing a Livestream. 

So I walked the plank and took a deep breath, and all of you have answered that you are interested. So now I’m taking another deep breath and saying, “Please sign up!” [Laughter] So it’s going to be a Livestream and for that you get all the workshop materials, all the channellings, all the mediations, all the interactions, everything that’s going to happen in Lake Tahoe. No, you won’t have the joy of being there and holding each other’s hands, although you could create a little mini gathering in your home.

 SM: Oh yes!

 LD: Oh yeah, I am really encouraging people to do that. Like you know, the cost of the Livestream is $100 which is about $5 an hour for face-time, plus all this other material you get. But then, if you invite like three or four of your friends that are on the same wavelength, you could have a ball! And you could do it in your pajamas! [Laughter] So…

 SM: That’s true, for the lucky ones who have friends in the area that are on the same wavelength. 

LD: Yes, yes. And if you’re in a place… because we are getting some registrations from really remote areas where you know there’s… not only are there not like-minded people around, there’s no-one around. But that also gives you a chance to feel like you are part of this community because the workshop is a gathering, that’s why we call it a gathering. It’s not just come, get the meditations, the activations… it’s a Family Gathering, it’s a Soul Family Gathering, so it’s another way that you can participate.

 So if you go to the Council of Love website (www.counciloflove.com) and click on ‘Lake Tahoe’, it’ll bring you to the Livestream. It’s also not too late to register and come in your full body [laughter] and experience the beauty of Tahoe. So that’s my blurb for the morning! Thank you.

 SM: Alrightee. Well, I don’t have a plan to go, but I’m trusting that the resources will show up and I’ll be there because it’s just the best to be there in person with the energy. I mean, the Livestream is going to be wonderful, but right there in person with a whole bunch of people in the same room with the angels and everybody is just completely awesome. 

LD: It’s phenomenal. There’s nothing like it.

 SM: Alright. So, what do you think? Are we ready for a meditation?

 LD: I am so ready for a meditation [laughter] because it is like the magnitude of what we are all doing right now is so significant that we need a meditation!

 SM: We do!

 LD: Some of you who are listening know about the 13th Octave and some of you don’t. You are thinking, “What the heck is the 13th Octave?” But I have been guided by Sanat Kumara that this morning we’re going to begin by all going to the 13th Octave. So what is the 13th Octave? It’s the Heart of God, it’s that state of being in connection, literally being anchored in your body, on Earth, and at the same time being fully and completely Home.

 So how we do this, the mantra mudra is very simple. You put your hands together, fingertip to fingertip to fingertip, as if you are building a little bridge. Remember when you were a kid: ‘it’s here’s the church, here’s the steeple’? Well, it’s that. Your fingers are curved, each finger is touching, so five to five, and you click your tongue three times, and then a fourth time to be anchored upon Gaia and in your body. So I am going to very quickly walk you through this.

 Begin and anchor in your heart. Relax. I can see you. Your jaw is tight, your shoulders are up round your ears. Relax your hips, your knees, your legs and feel yourself sink into your chair, the floor, the bed, wherever you are, and take a nice deep breath of gold. And it is the gold of Sanat Kumara, and the gold of Archangel Gabrielle, and the gold of Yahweh. Feel the golden bubbles of joy and go into your heart, into the centre of your tri-flame with the blue diamond burning brightly on one side, and the yellow canary diamond burning brightly on the other, and your magnificent, divine pink diamond burning in the centre.

 Now put your fingertips together, and just like you are making clippie-clop sounds when you were a kid, one click of the tongue – “click” – and feel your guides, your masters, come and guide you to your sacred temple where you are filled and honoured, cleansed and purified, and remember your gifts. “Click” – you are going down the stairs of the temple, guided by Yeshua, The Magdalena, being handed over to Archangel Gabrielle, and she is lifting you up, and you are going right up the center of the sacred, golden spiral.

 Hear the angelic choruses, the Council of Love, singing your praises, your name. Fly free. “Click” – you are at the foot of the throne and Archangel Gabrielle is unfurling her wings and placing you directly into the heart of The Father. But there can be no division, no separation. So with that, He steps in to The Mother and you are unified, you are Love, Mother/Father/You are One. “Click” – and you are anchored at the same time in the beautiful, tender heart of Gaia. And you stay there.

 When you feel frazzled, overwhelmed, need a boost, want to be reassured, feel connected, this is where you come. It’s where you belong, it’s Home. 

Sanat Kumara: Greetings, I am Sanat Kumara.

 SM: Welcome.

 SK: And welcome to you, welcome to all of you my beloved friends, my beloved family of Gaia and far beyond. I welcome you this day as Planetary Logos, as your beloved Raj, as SK, you name it and I am there. But yes, I come to speak to you, not only my beloved, reliable, dependable lightworkers and love-holders, but I also come to speak to people of Earth and far beyond, for you know, your brothers and sisters of the Stars never miss one of these broadcasts. And they want the update as well.

There is a feeling on your part that everyone but you receives the latest news [laughter] and that is not always so. Perhaps they have received the outline but they also are eager, not so much to receive the information and detail, but the energy and the Love. And let me say this: That when your Star Family, who are very present with you at this time – yes, including those of Venus from whence I come.

 It is not just me, or The Mother, or Yeshua, or St. Germaine that they are keying in to listen to. They are keying in, clicking in, dialing in to join with you, to be in this form of what you think of as unseen community. But that is very clear and very strong and certainly, seen above. And you will see and witness it below very shortly.

 So how is the Plan for the Unfoldment of Gaia going in this time of magnificent, divine conjunction? You have this saying upon the planet, “Do you want the good news first or the bad news?” [Laughter] Yes, Suzanne, I am teasing you. There is only good news and good news.

 SM: Oh good!

 SK: It is this time of divine conjunction, and there have been references to it by many, not only we of the Council of Love who speak through this channel, but many who are pure channels and holy beings, sacred voices that we include in this family.

 Now, you know that the divine conjunction is this intersection, conjunction, of The Mother’s Plan with the omni-verse, the universe, your solar system, your star brothers and sisters, the plan of Gaia, the plan of the kingdoms, and the plan of humanity themselves. Everything is in alignment.

 Now you say “Well, is that not normal? Is this not something that occurs on a regular basis? Have we not, as yet, reached that point where it is in alignment?” Not to this degree. You have similar examples in terms of astrological alignments like the Grand Cross. Well, this is much more powerful than any astrological alignment, but it is to give you an idea.

 Now, the entire purpose of existence, not merely for humanity but for all of us, is always to be in that divine alignment and conjunction, to always be in that straight line as it were, of being in the Love, in the heart, the mind, the will of One. But to tell you the truth, this agreement, soul agreement, and actual agreement, firm, physical, even in our realm which you would think of as physical alignment, does not occur that often. As you well know, there have been many glitches, many delays, and yes, we have heard all about it.

 Now, as human beings, you have always the free will, you are in this realm of choice to veer, to turn away, turn left, turn right, away from this divine conjunction. We do not, would not – it would be contrary to Universal Law to hold you. But what we say to you, with great joy, is that you are not veering away. And you say, “But look at the chaos, SK, look at the brutality.”

 And I want to talk about this, but let us also say, your heart conscious decision, the fact that you, our beloved pathfinders, wayshowers, pillars, gatekeepers, are not veering away. You are holding that energy of alignment, my sweet family, and you are doing so by the millions for the billions. This is not a minor achievement or task.

 Now, many of you know this and you are experiencing it in different ways. Let me explain. The guidance from The Mother, and from many, has been to stand back, to hold the center, to be the observer, the observer of the desired outcome, to send the energy, but do not get involved in the quagmire. That guidance holds, and at the same time, to nurture and to cherish your beloved self as deeply, as joyously, as we love and nurture you. This is a whole new, deeper, broader, bigger expression of self-love, because if you are not loving yourself, how can you possibly love those billions, particularly when there are so many recalcitrant children acting out.

 Now, as the channel has begun to say, as I have been talking to her, human beings… oh, you are quite good at multi-tasking but, dear hearts, you are learning a whole new level of multi-tasking. And I have heard your questions to Archangel Michael, “Michael, how can you be here taking care of me and making sure that three galaxies over is also at peace? How can you be in thousand places at once?” Well, he is, as am I, as are most of us. And now it is also your turn.

 SM: Yes!

 SK: So, you are used to actions, living, doing, observing, in sequence. You live in a sequential universe – or so you think. And so that is the reference of time; it is part of your sequential universe. But you also know – and I like to think I have been of some assistance, about learning how to jump time, stretch time, shrink time – it is the same with when you are multi-tasking.

 So, for example, there is so much occurring – you are clearing for the collective… “No, I am not clearing for the collective, I am nurturing myself, I am learning to go deeper, I am learning to use Universal Law, I am learning the application of Universal Law. No, wait a minute, I am riding the waves of the Tsunami of Love, I am practicing clarity, I am the embodiment of grace.” It is a great deal! [Laughter] And then, there is the practicality of cooking food, washing your body and tending to the war in the Ukraine.

 SM: Yes.

 SK: It is not surprising that you feel this energy and the choice truly tends to be either in the bliss or the slight over-whelm. Now, we are talking about bringing this into balance today, but also realising it is not either/or. And so sometimes you feel that you are spinning, and you are spinning even faster than the spin of the planet because you are doing all of these things at once. It is not sequential. It is everything at once.

 So when you are riding the wave, you are healing the billions. And when you are being the observer, you are practicing the Law. And when you are practicing the Law, you are sending out and being the transmitter of all the Divine Qualities. So do not take one fraction of your sequential time and worry or be concerned about what you are doing, whether you are doing enough, whether you are doing it correctly, or adequately, in proper measure, proper timing, because, dear hearts, as our sacred partners, as the anchors of Nova Earth for our beloved Gaia upon planet, for Ascension, for Shift, you are doing an amazing, phenomenal, excellent job. You need to hear this. You need to hear it, not merely in your ears but from my heart to your heart.

 You are doing a phenomenal job, each of you, and you are influencing people, events, unfoldments, far beyond that which you can even potentially imagine. The number of variables, not only that we are putting into place, but that you are putting into place and influencing, is beyond computer knowledge on your planet. And some of your computers are exceptionally sophisticated, but they are not as sophisticated as your heart and spirit. You are wondrous.

 Now, about this unfoldment, you have had in the past few days some surprises, big snowstorms in the north of North America, and people are shaking their heads and saying “What is going on?” I want you to use this vision of a massive snowstorm because yes, dear hearts, you are in the middle of the ‘perfect storm’. Gaia is not. But think of it this way: what we want, what The Mother wants, is for one of those very sophisticated, high-speed snowploughs to just run along your highways, run along the golden grid, and clear the energy. That is what we are working on – and I might say that we are doing a pretty good job as well!

 Now, that is what we would like all the human beings to be doing. Now are they? No! No, they are not. Some are on the snowplough, some are on a skidoo, some have those old-fashioned snowploughs that they do their driveways at home, some have a tiny children’s shovel that children play with at the beach. It doesn’t matter. Even if they are merely using their hands to lift up the snow and lick it, or to make a snowball, it doesn’t matter because there are many ways to get through the snowstorm, what people perceive in moments as obstacles.

 You can burrow through the snow, you can melt the snow, you can make a snow-fort and create a sacred space, you can make snowballs and play, you can make angels in the snow – the point is is to work with the snow, work with the obstacles but do not see it as something that has to be immediately conquered. It is simply something that has fallen in your path.

 If it is 12 inches of snow, yes it is heavy. But think of it, an individual snowflake is as light as air and it is as unique and as beautiful as each of you in your soul design, and as beautiful as each of us in our unique soul design. So even the obstacles, what you think of as delays, “Oh no, we are snowed in.” Do not look at it this way. Look at it and say, “How do I choose to deal with this? Am I going to play with it, am I going to hunker down and start shovelling, am I going to purchase one of those snowploughs?” There is no right or wrong answer. It is merely accepting and then adjusting, not because there is a patent answer, but what you choose to do.

 Now, in that choice, knowing that you are doing 22,000 other things simultaneously, look at the scales, these wonderful golden scales that I have given you – well, literally eons ago, but that I have reminded you of in terms of our conversations around Universal Law. When you are making your decisions, your choices, out of time and out of sequence, look at your scales and see what brings the scales into balance. And what is the balance? It is the feeling of peace and harmony in your heart.

I wish to make a very private aside. When Archangel Michael puts peace into your heart – and you know to whom I am speaking – then it is there for activation and the taking, so simply do so. Look at your scales. You do not need to simply restrict yourself to the gifts that I have brought forth, and it does not need to be divine gifts, but if there is a feeling of heaviness on one side of the scale – maybe it is because you are also, simultaneously, eliminating or working on your core issue, your key motivator – what do you put on the other side of the scale that you can remain as the observer, in the joy, nurturing yourself?

 So, perhaps it is the Keys to Heaven, perhaps it is simply a good night’s sleep and a good meal. Perhaps it is having a heart-to-heart conversation with your mother or a friend or your beloved sacred partner. Perhaps it is just having a good cry. Perhaps it is wrapping yourself in The Mother’s cloak of blue and allowing yourself to be swaddled like a wee baby. Perhaps it is taking my pink gold and lighting up your environment.

 Put whatever is required for you to have that sense of peace and harmony on the scales while you are doing all your other activities, because you have need to do them from this place of being the observer, moving into action – and we are going to talk about that, but be the observer, nurturing yourself, because you cannot do, shall we say, the most powerful action, if you are not coming from this place.

 Now, before I go any further, dear heart, do you have questions of me?

 SM: Well, it’s almost more like a statement because you’ve sort of addressed it. And I was going to ask if it would be accurate to say that there’s less of me, or what I would call my awareness that dwells here in this dimension, presumably somewhere in the 4th, resulting in a sort of memory loss? Like I’ve had conversations that I don’t even remember and it feels like I’m on autopilot to do most of the daily requirements for life as we know it. So I do look forward to having full awareness restored at some point. Can you offer any idea of what needs to take place before that happens?

 SK: You are learning, and anchoring, what it is to be multi-dimensional. Now, when we have said you are doing and organising many variables, many events, many people, many things that you are not aware of…

 SM: Right,

 SK: … that also falls into the category of “I am doing things in what you would call ‘physical reality’ that I also am not aware of.” Now, dear heart, and I am not teasing you – well, I am actually! Who wants to remember cleaning the bathroom?

 SM: Oh, not me!

 SK: Exactly! Now, but in the every day – and that is why we mention having a good night’s sleep, having a good meal, the joy of preparation, of doing it either in silence by yourself and appreciating the colors, the textures of the food that you prepare, the scent, the smell – so everything has a joy attached to it, yes, even a clean lavatory. But, what you are going to find, because you are learning now, and it is very rapidly learning, to be out of that sequential universe, that construct within which you have been operating.

 So what is happening is your awareness, conscious, unconscious, subconscious, and what we would call spiritual heart consciousness, is expanding. So it is as if the floodgates are truly opening and in that, because there is such a breadth, there are things that you will not recall because you have not brought the wholeness of your attention, either to that action or to that conversation, because there was a larger part of you elsewhere doing something that you deemed more important.

 SM: Right.

 SK: Now, is this a permanent state of affairs? No.

 SM: Oh good.

 SK: The memory will become sharper. But I must tell you, there are times when beings have said to me “Well, Sanat Kumara, do you not remember we had this conversation, it was about 1,000 years ago on CeeCeeCee?” [Laughter] And I must tell you, dear heart, I haven’t the foggiest. Now, as they remind me, it comes back. I do remember the imprint of the being that is speaking to me, their lustrous beauty, and to me that’s all that counts, unless it was actually anchoring a new planet, or anchoring a higher state of being. Sometimes, the details do escape you.

 SM: Yes.

 SK: Have you ever found yourself doing something and it is done by rote? You do not think, “Well, now I am going to make a cake. Oh, I am going to get the flour. Oh, I am going to use this much flour. Oh, I am going to add an egg.” because it becomes ‘rote’. So you do it perfectly without thinking about it. And more and more, that is what a lot of your actions are going to feel like.

 But, and yes, there is a ‘but’, when you are taking action – so in a way I am contradicting myself… I will point it out before you do, sweet angel… when you are taking an action, is it in accordance with Universal Law? Now, there are things that you will do that are automatic because of who you are, your heart, your energy, your commitment, your love, are absolutely in accordance with Universal Law.

 But I want to bring to your attention: You have done – and I mean all of you – have done a tremendous job in anchoring the understanding, the basics as it were – and there’s nothing basic about it – of Universal Law. And I hear you, but it is often after the fact. So, for example, you will say, “Oh yes, that’s ‘As Above, So Below’. Oh yes, that’s ‘Give and Receive’. Oh yes, that’s the ‘Law of Change’ at work.” So you have become very adept and astute at identifying and knowing the Law. 

What I encourage thee to begin to more actively implement, because this is directly tied to doing so many things at once, in and out of time, and this is the rapid unfoldment of the Plan of Gaia which is going swimmingly, but it is consciously directing your actions – and when I say ‘actions’, I mean thoughts, words, conversations, everything you do – and reference it, or invoke one of the Laws, two of the Laws, three of the Laws.

 So, you know – let us use some practical examples. You are about to have a conversation. It can be a difficult conversation with someone that you know is not behaving in accordance, not with your expectations but with their highest self, with their mission and path. Or you are having a conversation with your dearly beloved and you wanted to express the fullness of your heart, of how much you love and cherish and care about them. It does not take but a moment before you start that conversation. 

For example, call upon the Universal Law of Intent, that you are flowing the alignment of that Law of Intent to be made manifest in the conversation, including your Soul Conversations with the people of Somalia, with ISIS, with the discordant energies in the Ukraine, Russia, the United States, everywhere.

 So when you are cooking supper, you invoke, as you begin, you invoke the Law of Give and Receive so you are receiving all the blessings, all the codes. Everything in Creation is codes, dear heart. Yes and the core code is Love, but there are many combinations and permutations of those codes. So, into the food – you think of it as programming water; it is a variation on this – into you, first you receive all the blessings from Gaia, from the elementals, from the food itself, and the Love is flowing in. So if something has been sitting on the shelf for a day or two, it is reactivated to its full potential.

 So then you are working and the joy of creating that meal is a million-fold greater. And then when you give the food, whether it is to yourself, to your family, to your dog, it is a gift, and the energy, because it is in alignment with this Law that you have invoked at the beginning, so then you are receiving, you are giving, and then you are receiving, then you are giving gratitude, then you are receiving back our gratitude – it is an infinity flow.

 So what I am asking of each of you is to begin to more actively, as you take what you can consider even the most mundane actions, to be choosing in that moment of beginning, including the beginning of your day and the beginning of your sleep night, invoke the Law. “So I am going to sleep and tonight I am transmuting everything inside of me that is not of harmony and balance. I am letting it simply be transmuted as I sleep. I invoke this Law.”

 Or I invoke the Law of Elimination, which is a tricky one as you know, and I am always with you. But, let us say, “This morning I wake up, I invoke the Law of Elimination that anything within my realm, and therefore upon the planet of entire Gaia, is eliminated. There is no struggle. There is no need, there is no want. There is simply ecstasy, bliss, harmony, balance.”

 So it is the next step. You have done very well with the Laws. I am just an eager teacher and this is what is anchoring Nova Earth and the true anchoring of Gaia. She is already very firmly in the 7th. Yes, she hovers down because she is not going to shrug you off. But you, bright angels, are also… The old 3rd is gone, the new 3rd, the revived 3rd is actually quite bright and shiny.

 The other thing I wish to mention – and I know I have spoken and spoken this day – is the Law of Within and Without, and this is critical in terms of anchoring Gaia and yourselves through the Ascension portals, on planet, through the Shift, through the Tsunami, through the million things you are doing. When you are working on the global issues – because you are global citizens… you are actually Universal Citizens; that Shift took place about three months ago… work in your ‘without’. 

Now, many of you do not fully understand what I mean. Think of it – it is the Law of Within and Without, your within, those scales are perfectly balanced, then you reach outside your Seal of Solomon, outside your bubble of protection, and you work on the chaos outside of your sphere in the without. Employ the energies and the help of your Stranger as well, but do not bring that chaos within. Invoke the Within and Without Law and do it that way. That is vitally important.

 Do you have questions for me?

 SM: Well, one more question would be the human collective. I mean, Gaia is firmly anchored in the 7th. Is there a range where the human collective is in terms of dimensionality?

 SK: Most of you are in the 5th; many of you who listen this day are in the 7th. You are in the Love, you are in the Christ Consciousness. You just haven’t fully awakened to it yet but you are there. Think of it this way. So often you look in the mirror, you go on a diet, you start eating sensibly, you are exercising, and you don’t notice any difference until one day, oh a month or two later, you look in the mirror and you say, “Oh, I look different, I look fabulous.” That is what is occurring. So look in the mirror, beloved ones, and see just how much you have changed because, sweet angels, you are fabulous. And claim, please, claim your 7th dimensional body.

 SM: Yes. You know, I’ve been working on that and one thing that I want to comment on is that because of the potential for overwhelm, in my meditations now I’ve been very simple, and whenever I come across a discordant feeling or thought in my day, I’m just going to my default of being light, just being this diamond, amazing, shining light, and that’s my complete focus. I’m not engaged in any detail or anything specific about where that goes. It’s just been better for me to simplify because there’s so much going on.

 SK: That is exactly right. And that is your method of the balance, of the harmony, of the joy.

 SM: Alright.

 SK: That is all we want. More joy.

 SM: More joy. Fabulous.

 SK: So go and play in that snowstorm.

 SM: Well, I was thinking that I was just going to melt the snow with my dragon fire but whatever works! SK: And with the torch of St. Germaine!

 SM: Yes, that’s right. So, have you got any closing comments? And thank you so much for joining us and giving us all this information and encouragement.

 SK: My beloved family, I am honoured to be Planetary Logos. But why? Of course, because I serve The Mother/The Father/The One, but it is also because I serve, I walk, I work, I play and I Love with you, with each of you. You are my joy, you are my gift, and I am so proud of you. Go with my Love. 

SM: Thank you.

 SK: Farewell.

 SM: Farewell. 

Channeled by Linda Dillon 09-09-14 © 2014 Council of Love

Source : http://counciloflove.com/2014/09/sanat-kumara-suggests-concrete-ways-to-use-universal-laws-in-our-daily-lives/