WEBVTT - Thom Brennaman -- 10/28/25 0:00:00.400 --> 0:00:01.759 DoorDash Young people Love. 0:00:01.840 --> 0:00:05.920 DoorDash say it's launching what it calls an emergency food 0:00:06.000 --> 0:00:09.680 response as the government shutdown threatens food assistance. 0:00:11.240 --> 0:00:15.160 Yeah, the threatened food aid for some forty million Americans, 0:00:15.200 --> 0:00:18.239 and now DoorDash says that next month Tom it will 0:00:18.280 --> 0:00:21.960 waive delivery and service fees for three hundred thousand grocery 0:00:22.079 --> 0:00:26.480 orders for recipients of the Supplemental Nutrition Assistance program known 0:00:26.520 --> 0:00:29.720 as SNAP. DoorDash that it would also wave merchant fees 0:00:29.800 --> 0:00:32.880 on deliveries of a million meals for its food bank 0:00:32.920 --> 0:00:36.400 partners around the country again next month. Tom. 0:00:36.840 --> 0:00:40.640 Meanwhile, PayPal making news on a couple of fronts this morning. 0:00:40.760 --> 0:00:42.919 Their shares are surging. Why is that? 0:00:44.240 --> 0:00:47.640 Yeah, Well, first of all, PayPal and Built Rewards are 0:00:47.680 --> 0:00:51.320 teaming up to let customers use PayPal's venmo to make 0:00:51.479 --> 0:00:55.680 rent and mortgage payments starting early next year. Customers have 0:00:55.760 --> 0:00:58.320 flocked to Built as a way to earn rewards for 0:00:58.440 --> 0:01:02.440 paying rent. Built, by the way is spelled Bilt. But 0:01:02.560 --> 0:01:05.440 the shares of PayPal are getting a big boost this morning. 0:01:05.480 --> 0:01:08.199 On some other news, it reached a deal with open 0:01:08.240 --> 0:01:12.600 Ai to embed its digital wallet inside Chat GPT. That 0:01:12.760 --> 0:01:16.560 means Chat GPT users who use that bot to find 0:01:16.640 --> 0:01:21.479 products online. We'll have PayPal to turn those searches into purchases. 0:01:21.760 --> 0:01:26.400 A time open AI gets mentioned in conjunction with another company, 0:01:26.480 --> 0:01:28.800 those shares of the other company just go haywire. 0:01:29.000 --> 0:01:32.160 Well, we have an extended interview with our business insider, 0:01:32.200 --> 0:01:34.200 Greg Steven coming up here in a minute. I think 0:01:34.200 --> 0:01:36.440 a lot of people who are wondering about AI. 0:01:36.800 --> 0:01:37.399 What is it? 0:01:37.440 --> 0:01:39.560 Should I be worried about it? Is it something I 0:01:39.600 --> 0:01:42.440 should embrace? This is a really good interview that we 0:01:42.520 --> 0:01:46.000 taped a little bit earlier this morning. Okay, how the 0:01:46.040 --> 0:01:49.320 futures looking this morning, Genu, Well, the futures. 0:01:48.960 --> 0:01:51.360 Are starting to pick up some speed here as we've 0:01:51.560 --> 0:01:55.000 seen some earnings rolling in this morning. Tom Down futures 0:01:55.000 --> 0:01:58.560 are up two hundred and sixteen, SMP futures are up seven, 0:01:58.760 --> 0:02:01.920 and the Nasdaq futures are up forty two. This report 0:02:02.000 --> 0:02:05.760 is sponsored by Fidelity from Bloomberg. Genas Servetti on News 0:02:05.840 --> 0:02:07.800 Radio seven hundred WLW. 0:02:11.280 --> 0:02:14.400 It's great to have our business insider, and we'll get 0:02:14.440 --> 0:02:17.400 to that in just a minute. Greg Steben, you can 0:02:17.400 --> 0:02:20.519 follow him on Blue Sky at Greg g R E 0:02:20.600 --> 0:02:24.200 g G Steben ste b as in boy b as 0:02:24.200 --> 0:02:27.720 in boy e n. Now, look, you know we call 0:02:27.760 --> 0:02:30.520 you the business insider, Greg, but maybe you should be 0:02:30.639 --> 0:02:35.040 our AI insider instead, because I have a feeling that 0:02:35.080 --> 0:02:37.239 it's not only the last few weeks, but it could 0:02:37.320 --> 0:02:39.640 be good Lord Willing, we're here for years and years 0:02:39.680 --> 0:02:42.880 and years about the only thing we are talking about. Now, 0:02:43.360 --> 0:02:49.440 you've been skeptical, you're not dismissive, But let's talk about AI, 0:02:50.160 --> 0:02:55.040 the real AI. Which AI is real? Is AI real 0:02:55.320 --> 0:02:57.200 or is it a lot of hype? 0:02:57.400 --> 0:02:59.480 Yes, it's. 0:03:04.120 --> 0:03:04.919 There for a minute. 0:03:05.320 --> 0:03:08.079 Yeah, it's real and a lot of hype. And that's 0:03:08.120 --> 0:03:10.880 why I like what you said. I'm skeptical because it's 0:03:10.919 --> 0:03:13.960 a lot of hype, but it's not dismissive because it's 0:03:14.000 --> 0:03:17.200 also real. And I think it's really important no matter 0:03:17.240 --> 0:03:19.800 where you are in sort of the economic chain. You know, 0:03:19.840 --> 0:03:23.079 you're an employee, maybe you manage people, maybe you own 0:03:23.120 --> 0:03:26.160 a business. I think it's really important to be both 0:03:26.240 --> 0:03:30.520 skeptical but not dismissive, to always be looking at it 0:03:30.560 --> 0:03:34.280 and be curious, be thinking how could we use that? 0:03:34.520 --> 0:03:38.160 But also be thinking is that a rabbit hole? Or 0:03:38.480 --> 0:03:41.200 you know, is the person who's sang this thing about 0:03:41.240 --> 0:03:44.640 how incredible AI is going to be or how scary 0:03:44.680 --> 0:03:46.160 AI is going to be, right, I mean, if it's 0:03:46.160 --> 0:03:48.920 going to replace a third of the workforce by next week, 0:03:49.240 --> 0:03:53.360 you know that's that's scary, right. You know why is 0:03:53.480 --> 0:03:57.400 this person saying that? Are they saying Do they have 0:03:57.560 --> 0:04:01.440 some motive for saying that, like maybe a profit motive made? 0:04:01.440 --> 0:04:04.400 Do they benefit from you believing that whether it's true 0:04:04.480 --> 0:04:07.600 or not. There's all this and some of it may 0:04:07.680 --> 0:04:09.920 be true. By the way, it's not going to replace 0:04:09.960 --> 0:04:12.360 the third of the workforce by next Thursday. And I 0:04:12.360 --> 0:04:13.920 don't think it's going to replace the third of the 0:04:13.960 --> 0:04:17.680 workforce in the next five years or really ever. I 0:04:17.760 --> 0:04:20.560 just think it's going to change the workforce, just like 0:04:20.600 --> 0:04:23.760 the telephone did, just like the car did, just like 0:04:23.960 --> 0:04:26.840 you know, more recently the internet did and the mobile 0:04:26.880 --> 0:04:29.200 phone did. I think it's going to be that kind 0:04:29.240 --> 0:04:33.359 of a change, which is not hype. It's realistic, and 0:04:33.440 --> 0:04:35.599 anything beyond that is probably hype. 0:04:36.160 --> 0:04:40.280 Give me a specific example, Greg Steban on where I 0:04:40.839 --> 0:04:41.680 is real. 0:04:43.839 --> 0:04:46.680 So I think there's some things you can do with 0:04:46.760 --> 0:04:51.159 AI to experiment with it to really understand how powerful 0:04:51.200 --> 0:04:54.360 it is. And I'm going to point to a particular 0:04:54.480 --> 0:04:57.680 deal that was just announced to sort of illustrate this. 0:04:58.400 --> 0:05:01.159 Walmart is now going to will allow you to use 0:05:01.320 --> 0:05:05.640 chat GPT to make purchases. It's hard for me to 0:05:05.680 --> 0:05:08.479 think about that in a really effective way because when 0:05:08.480 --> 0:05:11.200 I think of Walmart, I think about, you know, buying 0:05:11.320 --> 0:05:16.120 t shirts and dog toys. But imagine when you go 0:05:16.240 --> 0:05:19.800 to buy a car or a computer instead of doing 0:05:19.880 --> 0:05:22.839 Google searches. Like if you're buying a car, it's a 0:05:22.920 --> 0:05:25.560 really compliment. You're a computer, it's a really complix and 0:05:25.560 --> 0:05:28.320 you end up having like ten websites open, and you're 0:05:28.360 --> 0:05:31.240 bouncing from website to website and they never give you 0:05:31.320 --> 0:05:34.800 all the same information. And you can compare apples to oranges, right, 0:05:35.640 --> 0:05:39.000 Or you could go to chat GPT or Gemini or 0:05:39.080 --> 0:05:43.800 Perplexity and just say compare this computer from Dell with 0:05:43.880 --> 0:05:47.760 this computer from HP, with this computer from LG with 0:05:47.800 --> 0:05:50.960 this computer from some other companies, and they're literally you're 0:05:51.000 --> 0:05:54.279 literally just going to get a grid that compares everything 0:05:54.400 --> 0:05:57.840 side by side by side by side by side, which, 0:05:57.880 --> 0:06:01.400 if you're obsessive like me, you would have taken hours 0:06:01.480 --> 0:06:05.000 to lay out all that information for yourself instead, it 0:06:05.040 --> 0:06:09.040 took literally ninety seconds to happen. That's a great illustration 0:06:09.120 --> 0:06:11.520 of AI because it's really just they have all the 0:06:11.560 --> 0:06:15.200 same information you have. They just can organize it a 0:06:15.240 --> 0:06:17.320 lot faster and effectively than you can. 0:06:17.400 --> 0:06:18.599 Yeah, you and I were talking about that. 0:06:18.760 --> 0:06:21.239 Yeah, about that last week when you're planning a vacation, 0:06:21.520 --> 0:06:24.240 same kind of thing. Okay, Now give me an example 0:06:24.320 --> 0:06:27.160 of where AI is a lot of hype. 0:06:27.880 --> 0:06:31.640 Okay, so this was a while ago. The CEO of 0:06:31.760 --> 0:06:36.520 Zoom said, oh, yeah, in a couple of years, when 0:06:36.560 --> 0:06:39.560 you have let's say you have multiple meetings to go to, 0:06:40.880 --> 0:06:43.599 You're not going to go to any of them. You're 0:06:43.680 --> 0:06:47.240 just going to send your digital avatar. You're going to 0:06:47.320 --> 0:06:50.400 send your AIU to each of You're gonna go to 0:06:50.400 --> 0:06:52.360 all the meetings, but you're not going to go to 0:06:52.440 --> 0:06:55.680 any of the meetings. Now, why would the CEO of 0:06:55.760 --> 0:07:02.200 Zoom say that? First of all, it's stupid. Yeah, really right, 0:07:02.760 --> 0:07:04.839 if he works for me, I'm going to fire him 0:07:04.880 --> 0:07:07.480 because if that's his goal, I don't want him working 0:07:07.520 --> 0:07:11.720 for me. But he works for Zoom. It just means 0:07:12.000 --> 0:07:16.040 that Zoom can host they can be the pioneers tech 0:07:16.160 --> 0:07:20.160 in that horrible technology and their stock goes up and 0:07:20.200 --> 0:07:22.520 blah blah. You know, his bonuses go up and blah 0:07:22.600 --> 0:07:25.880 blah blah. It's totally beneficial to Zoom. So I look 0:07:25.920 --> 0:07:27.720 at that, I give it the sniff test, and I go, 0:07:28.120 --> 0:07:32.520 this guy is hyping AI to ultimately hype his company 0:07:32.560 --> 0:07:35.360 and probably something they're working on. And on top of that, 0:07:35.440 --> 0:07:36.560 it's a really bad idea. 0:07:36.880 --> 0:07:39.440 Well why are so many companies so hyping AI? 0:07:42.120 --> 0:07:45.720 Money? 0:07:45.440 --> 0:07:47.440 Money in sect at the end of the day, right. 0:07:47.360 --> 0:07:50.680 Well, I mean, you know, it's it's funny if you 0:07:50.760 --> 0:07:55.040 go to San Francisco and you drive around every billboard 0:07:55.080 --> 0:07:59.200 in the city and every billboard on the freeways leading 0:07:59.240 --> 0:08:02.800 into the city for fifty miles our AI companies. I 0:08:02.800 --> 0:08:05.960 don't think you can even buy a billboard around San 0:08:05.960 --> 0:08:08.840 Francisco today unless you're an AI company. We wouldn't even 0:08:08.960 --> 0:08:11.080 have the money to be able to do it. That's 0:08:11.160 --> 0:08:14.160 a clear sign of hype. I mean, it's money, and 0:08:14.200 --> 0:08:17.880 it's also frankly, I mean some of it's capitalism at work. 0:08:18.160 --> 0:08:24.160 It's wishful thinking. We're AI companies and we believe our 0:08:24.200 --> 0:08:27.640 own hype. We eat our own dog food, and we 0:08:27.760 --> 0:08:30.360 believe we're going to change the world. And oh, by 0:08:30.400 --> 0:08:32.320 the way, we also believe that what we're doing is 0:08:32.400 --> 0:08:35.640 really good for not only us but all of mankind. 0:08:36.280 --> 0:08:39.640 Because that's the nature of when you get hype yourself 0:08:39.720 --> 0:08:43.040 up on something, you'll believe anything. So I think these 0:08:43.080 --> 0:08:47.880 companies often believe what they're saying because they're surrounded by 0:08:48.120 --> 0:08:50.120 other people. You know, they're what do they call that, 0:08:50.200 --> 0:08:53.440 they're in a bubble. They're in a bubble of unreality. 0:08:53.679 --> 0:08:57.720 So nowhere they go is that unreality? Does anybody screaming 0:08:57.760 --> 0:08:59.160 at them that you know you're full of it? 0:09:00.120 --> 0:09:03.520 Give me an example of a company. And you've made 0:09:03.559 --> 0:09:07.600 different references to different companies through these different conversations we've had, 0:09:07.679 --> 0:09:10.080 But what would be an example of a company that 0:09:10.160 --> 0:09:14.520 you believe right now is really doing AI just right? 0:09:14.840 --> 0:09:15.680 Is there one out there? 0:09:16.679 --> 0:09:17.079 Yeah? 0:09:17.200 --> 0:09:19.280 I just and there's more than one. But I just 0:09:19.320 --> 0:09:22.040 saw an interview with the CEO of a company called 0:09:22.120 --> 0:09:25.040 Duo Lingo. It's a company that you know, makes an 0:09:25.080 --> 0:09:28.800 app that helps you learn languages. The CEO said, we're 0:09:28.800 --> 0:09:31.840 going to be an AI first company. But here's what 0:09:31.880 --> 0:09:33.720 he means by it. They asked him in the interview, 0:09:33.720 --> 0:09:36.480 how do you use AI, he said, oh, you know, 0:09:36.920 --> 0:09:40.520 I look for recipes. I use it for health symptoms, 0:09:40.640 --> 0:09:42.199 like you know, if I don't feel good when I 0:09:42.240 --> 0:09:44.320 wake up in the morning, and every now and then 0:09:44.360 --> 0:09:47.080 I use it to simplify emails. So that's dead on. 0:09:47.280 --> 0:09:51.120 He's experimenting with it. But here's the other thing he's done, 0:09:51.160 --> 0:09:54.000 and this is company policy and I'm literally quoting him. 0:09:54.360 --> 0:09:57.440 On Fridays, we're giving everybody two to three hours to 0:09:57.640 --> 0:10:01.360 just experiment. We have slack channels where people can share 0:10:01.440 --> 0:10:06.440 AI wins, and we've added a Slack channel for AI losses. 0:10:07.480 --> 0:10:10.040 He's just saying to people, I don't know what we're 0:10:10.040 --> 0:10:11.520 going to do with this, but I think it's going 0:10:11.600 --> 0:10:14.800 to be important. I need you to be good at 0:10:14.800 --> 0:10:17.600 this and tell me what it can do, but I 0:10:17.640 --> 0:10:20.160 also need you to tell me what it can't do, 0:10:21.000 --> 0:10:24.240 and that is, frankly, what we should all be doing. 0:10:24.679 --> 0:10:30.040 This guy is both skeptical but not dismissive. He's, you know, 0:10:30.240 --> 0:10:33.160 even in his personal life. He's not trying to make 0:10:33.200 --> 0:10:37.520 it change his life. He's using it occasionally. The simplify emails. 0:10:37.800 --> 0:10:41.560 That's probably about an appropriate use of AI today and 0:10:41.640 --> 0:10:44.200 tomorrow you'll use them for a little bit more and 0:10:44.280 --> 0:10:47.520 in ten years it might be really exciting and dramatic. 0:10:47.640 --> 0:10:49.640 I know I'm going exciting and dramatic now. 0:10:49.520 --> 0:10:51.640 I know I'm going off the reservation here a little bit. 0:10:51.640 --> 0:10:54.760 But before I let you go, I can't remember the 0:10:54.760 --> 0:10:56.560 guy's name. Maybe you'll know it, But one of the 0:10:56.679 --> 0:11:01.840 basic inventors of AI has become is largest critic. 0:11:03.080 --> 0:11:05.120 And is scared of it. Are you scared of it 0:11:05.200 --> 0:11:05.480 at all? 0:11:09.080 --> 0:11:09.200 Uh? 0:11:09.400 --> 0:11:11.400 You know, well, first of all, one of the guys 0:11:11.400 --> 0:11:14.200 who's who was big into this and is now really 0:11:14.240 --> 0:11:17.720 one of its big biggest critics is is Elon Musk. 0:11:18.040 --> 0:11:20.559 He both you know, he was one of the original 0:11:20.600 --> 0:11:23.800 people behind chat GPT and now he's one of the 0:11:23.840 --> 0:11:26.640 biggest foes of chat GPT. Now think about what I 0:11:26.640 --> 0:11:27.280 said earlier. 0:11:27.520 --> 0:11:27.920 Why. 0:11:28.200 --> 0:11:30.360 I mean, some of that may be philosophical, but some 0:11:30.440 --> 0:11:33.160 of it's probably about money too, So just keep that 0:11:33.200 --> 0:11:36.640 in mind. Am I afraid of it? No, I'm afraid 0:11:36.640 --> 0:11:39.840 of what people might do with it. I'm afraid of people, 0:11:40.240 --> 0:11:43.920 bosses and companies being stupid about it. And you know, 0:11:44.400 --> 0:11:48.679 laying off six hundred thousand people. I just read Amazon's 0:11:48.760 --> 0:11:51.680 laying off six hundred thousand people to replace them with robots, 0:11:52.080 --> 0:11:54.480 you know, and maybe that's not the best example, but 0:11:54.679 --> 0:11:59.640 just companies doing large, massive things that are destructive to 0:11:59.760 --> 0:12:03.280 them and they're loyal employees, only to find out that, oh, 0:12:03.320 --> 0:12:06.960 you know what has been cyclically said over and over 0:12:07.000 --> 0:12:09.120 again in the history of business in the last thirty 0:12:09.160 --> 0:12:13.080 or forty years, the best app ends up being the people. 0:12:13.559 --> 0:12:15.480 And I think we're going to discover that over and 0:12:15.520 --> 0:12:19.840 over again. AI helps people do their jobs better. It's 0:12:19.840 --> 0:12:20.880 not better than people. 0:12:21.520 --> 0:12:23.840 That's great stuff, Greg Devin, You're the best, my friend. 0:12:23.920 --> 0:12:25.200 Hope you have a great rest of your day and 0:12:25.240 --> 0:12:25.959 have a good weekend. 0:12:27.200 --> 0:12:29.360 Oh, by the way, I'm not really here. This is 0:12:29.400 --> 0:12:30.880 my aiut. 0:12:31.840 --> 0:12:34.880 Okay, Well, well you know what, We'll keep calling your 0:12:34.880 --> 0:12:35.680 AI anyway. 0:12:35.760 --> 0:12:37.079 It's okay. It was good stuff. 0:12:38.640 --> 0:12:41.360 Glad to hear it. It's great to be part by all. 0:12:41.280 --> 0:12:46.440 Worth Financial and by RNL Carriers. On seven hundred WLW, 0:12:46.800 --> 0:12:53.120 The Home of the Best Bengals Copy Rocky. 0:12:53.200 --> 0:12:56.240 The Bengals lost to the New York Jets on Sunday 0:12:56.280 --> 0:12:59.439 by a score of thirty nine to thirty eight. Cincinnati 0:12:59.520 --> 0:13:02.679 defense continues to be quite frankly atrocious. 0:13:03.480 --> 0:13:05.160 The offense was far from perfect. 0:13:05.320 --> 0:13:07.920 We can nitpick some play calling and stuff like that, 0:13:08.080 --> 0:13:11.000 but they scored thirty eight points with Joe Flacco's quarterback. 0:13:11.600 --> 0:13:14.520 What is it like when a team has one unit 0:13:14.559 --> 0:13:19.400 that's really good or performing capably, like Cincinnati's offense, and 0:13:19.520 --> 0:13:22.400 one that's awful like Cincinnati's defense. 0:13:22.960 --> 0:13:26.240 Yeah, it's really tough mode because you know the other 0:13:26.440 --> 0:13:29.400 side is going to start chirping. You know, I guarantee 0:13:29.400 --> 0:13:33.400 you Jamar Chase is making it pretty well known and 0:13:33.440 --> 0:13:35.720 not holding back on the fact that you know, they're 0:13:36.200 --> 0:13:39.040 at least doing their job and the defense isn't. So 0:13:39.640 --> 0:13:41.720 I guess that the one part of good news is is, 0:13:42.320 --> 0:13:46.320 unlike when the entire team's bad, the defense in this 0:13:46.440 --> 0:13:50.080 case takes it personal and they should, and that creates 0:13:50.120 --> 0:13:53.959 a little more sense of urgency. And you know, new 0:13:54.040 --> 0:13:57.880 players aren't going to show up tomorrow. But if that encourages, 0:13:58.360 --> 0:14:01.560 it's a little bit of shame, encourages that the guys 0:14:01.600 --> 0:14:04.120 that are on this defense right now to look at 0:14:04.120 --> 0:14:06.520 their playbook a little more, to watch a little more 0:14:06.559 --> 0:14:09.439 tape to understand where they're supposed to be. I guess 0:14:09.440 --> 0:14:11.920 that's a good thing. But you know, no new players 0:14:11.920 --> 0:14:13.560 are coming. They just got to try to find a 0:14:13.559 --> 0:14:13.840 way to. 0:14:15.480 --> 0:14:16.080 Get better. 0:14:16.120 --> 0:14:18.000 And if a little bit of embarrassment, a little bit 0:14:18.000 --> 0:14:20.880 of chirping from the other side, helps that, then so 0:14:21.000 --> 0:14:21.240 be it. 0:14:21.520 --> 0:14:24.160 Chicago Bears in town on Sunday for a one o'clock 0:14:24.200 --> 0:14:26.560 game at pay Corpse Stadium. You'll hear it live on 0:14:26.600 --> 0:14:30.680 seven hundred WLW with pregame coverage starting Sunday morning from 0:14:30.680 --> 0:14:34.840 the Holy Grail at nine am with Rocky Boyman a Bwick. 0:14:35.680 --> 0:14:38.320 Money Minute on seven hundred WLW. 0:14:38.960 --> 0:14:41.800 This is the Bloomberg Money Minute. PayPal has reached a 0:14:41.840 --> 0:14:45.040 deal to embed its digital wallet inside of chat EPT. 0:14:45.640 --> 0:14:49.160 Hundreds of millions of folks already use the artificial intelligence 0:14:49.200 --> 0:14:52.120 tool to find products. The new type will mean PayPal 0:14:52.200 --> 0:14:56.520 provides the payment technology to turn those searches into actual purchases. 0:14:57.080 --> 0:14:58.239 Checking on your Money. 0:14:58.040 --> 0:14:59.880 Stocks finished the day at an all time high yes 0:15:00.520 --> 0:15:03.120 the S and P five hundred sword one point two percent. 0:15:03.480 --> 0:15:07.320 This morning, futures are starting to see gains. Meta is 0:15:07.400 --> 0:15:10.760 launching disappearing posts for its Thread social media app. The 0:15:10.840 --> 0:15:13.480 company says the idea is to encourage more people to 0:15:13.480 --> 0:15:16.480 share unfiltered thoughts without fear they'll exist forever on a 0:15:16.600 --> 0:15:20.360 user's profile. Ghost posts, as they're called, will show up 0:15:20.360 --> 0:15:23.160 alongside regular ones in the main feed, but will vanish 0:15:23.240 --> 0:15:26.400 after twenty four hours. And it's apparently much easier to 0:15:26.480 --> 0:15:29.400 graduate from Harvard than it is to get in. According 0:15:29.440 --> 0:15:33.240 to a report by Harvard's Office of Undergraduate Education, around 0:15:33.320 --> 0:15:36.920 sixty percent of grades given in undergraduate programs are a's. 0:15:37.000 --> 0:15:38.800 According it's Onna Hope Bloomberg. 0:15:38.440 --> 0:15:42.280 Radio, Jeez, I should have gone to Harvard based on 0:15:42.440 --> 0:15:47.800 that sixty percent of the classes are handing out a's, Holly. 0:15:47.480 --> 0:15:50.040 Moses, I mean, Julie is fortting. 0:15:50.160 --> 0:15:54.920 You know, she just had AAA all the way through 0:15:55.080 --> 0:15:58.960 high school Xavier, whole nine yards, right, Julie, tell truth. 0:15:59.040 --> 0:16:02.040 Now you are pretty much a's across the bord. Am 0:16:02.040 --> 0:16:02.800 all right about that? 0:16:03.760 --> 0:16:05.400 I did really well in school. 0:16:05.600 --> 0:16:07.320 You're not answering my question. 0:16:07.080 --> 0:16:07.400 I will. 0:16:09.400 --> 0:16:12.280 You know, it's interesting about my college career though, if 0:16:12.320 --> 0:16:15.920 I graduated, and I graduated in three years instead of 0:16:15.920 --> 0:16:20.160 four because I wanted to train for the Olympics, so 0:16:20.360 --> 0:16:23.160 I knew I couldn't be in college, you know, and 0:16:23.200 --> 0:16:27.720 then also train. So I graduated from Xavier in three 0:16:27.800 --> 0:16:31.520 years and then moved down to Orlando and traded for 0:16:31.600 --> 0:16:34.840 the Olympics. So I did have a motivation to get 0:16:34.880 --> 0:16:37.640 good grades and get out of college real soon because 0:16:37.800 --> 0:16:40.160 I fell in love with trying to get into the 0:16:40.160 --> 0:16:44.400 Olympics instead. So it is a different story for our 0:16:44.440 --> 0:16:47.600 college education. Of course, my parents loved me because I 0:16:47.640 --> 0:16:49.320 got out of school in three years and I didn't 0:16:49.360 --> 0:16:50.840 have to pay for the fourth year there. 0:16:50.880 --> 0:16:53.160 We go there and and then you got to go 0:16:53.200 --> 0:16:55.080 to Florida and hang out for a while do all 0:16:55.120 --> 0:16:55.600 your training. 0:16:55.840 --> 0:16:57.960 I mean you you're even smarter out of school than 0:16:58.000 --> 0:16:58.520 in school. 0:16:59.560 --> 0:17:02.440 Well that's interesting about that, Tom. If I had to 0:17:02.480 --> 0:17:05.200 find a warm environment, you know, so it made the. 0:17:05.160 --> 0:17:08.000 Extra of course fun again. Yeah, I mean, who wants 0:17:08.000 --> 0:17:09.560 to run it? And Lord knows you've done it. 0:17:09.640 --> 0:17:11.840 I mean, you know, I you know when when I 0:17:11.880 --> 0:17:13.560 first met you, and you and I knew each other 0:17:13.640 --> 0:17:16.480 going all the way back to the mid eighties, late eighties. 0:17:16.920 --> 0:17:19.840 I mean, I remember you talking about getting up in 0:17:19.880 --> 0:17:21.399 the dead of winter, and I think you still do 0:17:21.440 --> 0:17:24.280 it now. Maybe you don't run as far, but I mean, 0:17:24.520 --> 0:17:26.400 how many days of your life have you had at 0:17:26.440 --> 0:17:28.760 four thirty five o'clock in the morning where you're going 0:17:28.760 --> 0:17:31.480 out and running eight ten twelve miles and it's ten 0:17:31.480 --> 0:17:32.680 degrees outside. 0:17:33.480 --> 0:17:36.240 Yeah, it does get kind of miserable here in the winter. 0:17:36.320 --> 0:17:39.080 And that was our topic when we were talking yesterday, 0:17:39.119 --> 0:17:41.359 about the fact that exercise is hard. 0:17:41.600 --> 0:17:42.560 Yeah, it is. 0:17:42.680 --> 0:17:45.199 I mean, you know, it's not like, oh great, this 0:17:45.320 --> 0:17:47.359 is going to be really easy. But if you think 0:17:47.440 --> 0:17:52.400 about it, if everything was easy, we'd never grow. And 0:17:52.840 --> 0:17:56.080 so all the good things in life, I think have 0:17:56.200 --> 0:17:59.000 come from a lot of struggle, a lot of challenge. 0:17:59.040 --> 0:18:02.840 And I'll put exercises up there. And what's interesting is 0:18:02.920 --> 0:18:06.360 every week we talk about all the benefits of exercise. Yeah, 0:18:06.680 --> 0:18:09.280 and I think I think there's two things I had 0:18:09.280 --> 0:18:13.639 of exercise in my life. That's love, my relationships, my friendship, 0:18:14.200 --> 0:18:18.359 and two asleep and three is exercise. Yet it's so 0:18:18.760 --> 0:18:23.080 hard to convince our brains to get out there every day, 0:18:23.160 --> 0:18:25.320 and I'm not going to It's hard for me too, 0:18:25.359 --> 0:18:29.000 It's hard for everyone, but it's part of being human. 0:18:29.119 --> 0:18:31.959 And I think once you realize you're not alone, Like, 0:18:32.240 --> 0:18:35.760 there's some real good reasons why exercise is hard. 0:18:36.119 --> 0:18:39.080 You know, when I was looking up this stuff last 0:18:39.240 --> 0:18:41.639 night knowing that this was going to be our topic 0:18:41.720 --> 0:18:46.200 today about exercise, and why we don't do it you 0:18:46.280 --> 0:18:48.639 say all the time, and you say to people it 0:18:48.680 --> 0:18:50.240 doesn't mean you're lazy. 0:18:50.280 --> 0:18:50.439 You know. 0:18:50.560 --> 0:18:54.119 Basically you can break this into three major categories, right, Yeah, 0:18:54.160 --> 0:18:57.520 perceived barriers okay, which might be a lack of time, 0:18:58.000 --> 0:19:00.480 how much does it cost to join a gym, access 0:19:00.520 --> 0:19:03.920 to the gym, right, psychological factors. We can get into 0:19:03.960 --> 0:19:06.560 all that kind of physical limitations. You know, maybe you 0:19:06.640 --> 0:19:09.680 got some chronic condition, some injuries, pain, whatever the case 0:19:09.720 --> 0:19:12.680 may be. So there are a lot of barriers out 0:19:12.720 --> 0:19:16.600 there for why we don't exercise. 0:19:18.680 --> 0:19:21.359 Yeah, and there's also the ones about you know, we 0:19:21.960 --> 0:19:25.600 are starting to compare ourselves. Instagram makes it look like 0:19:25.760 --> 0:19:31.120 everyone has add discipline and we don't. And then we 0:19:31.200 --> 0:19:35.440 have I think we've lost the fun too. Kids run 0:19:35.480 --> 0:19:39.159 because it feels good. Adults run because they should they 0:19:39.200 --> 0:19:42.320 should have, could have, would have. So you've got that 0:19:42.480 --> 0:19:47.639 whole mindset in emotion thing too. And I think that 0:19:48.119 --> 0:19:50.800 you know, we're not broken, We're not a problem to 0:19:50.800 --> 0:19:53.440 be fixed. I think if you start with the premise 0:19:53.480 --> 0:19:58.280 that you're already outrageously wonderful and start with that you've 0:19:58.320 --> 0:20:02.320 got all the gifts, and then try to find a 0:20:02.400 --> 0:20:05.560 way to grow, which means you got to get out 0:20:05.560 --> 0:20:08.840 there and push yourself through it. And you know, think 0:20:08.880 --> 0:20:12.800 about our world though we are built around sitting. I 0:20:12.800 --> 0:20:18.040 mean we have door, dash we have everything, elevators, we 0:20:18.200 --> 0:20:21.520 I mean, there's every reason the world is against us 0:20:21.560 --> 0:20:25.160 and trying to move. So what we have to think about. 0:20:25.600 --> 0:20:29.479 I think it's just not the instant gratification to know 0:20:29.560 --> 0:20:32.240 this is long term. I mean there's going to be 0:20:32.280 --> 0:20:35.040 a day in our lives where we can't move like 0:20:35.080 --> 0:20:35.679 we want to. 0:20:35.920 --> 0:20:38.640 Yeah, I mean I'm going through it right now. I Mean, 0:20:38.680 --> 0:20:40.840 this hip thing is just it's the first time in 0:20:40.880 --> 0:20:44.080 my life that I've ever had to live with just 0:20:44.840 --> 0:20:48.439 excruciating pain. I mean, I've never been in my life 0:20:48.480 --> 0:20:51.159 where this is and I got to figure out, you know, 0:20:51.240 --> 0:20:53.119 how we're going to address this thing. But man, I 0:20:53.200 --> 0:20:56.760 tell you, you know, it's like anything else when when 0:20:57.359 --> 0:20:59.560 you don't have to worry about it, you don't think 0:20:59.560 --> 0:21:02.159 about what other people are going through, right, But then 0:21:02.200 --> 0:21:03.720 all of a sudden, when you have it, you're like, 0:21:03.800 --> 0:21:05.560 oh my god, it's got to be terrible for a 0:21:05.560 --> 0:21:07.240 lot of other people, And all of a sudden you 0:21:07.359 --> 0:21:11.560 become so much more compassionate in other situations. But if 0:21:11.600 --> 0:21:17.000 you're able to do extras physically mentally, if you're able 0:21:17.080 --> 0:21:19.520