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Speaker 1: Boston's Bulldozer never sleeps The Kooner Report weekend edition on

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Speaker 1: the Voice of Boston w RKO.

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Speaker 2: Joining us now as she always does at this time.

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Speaker 2: She is the co founder, CEO, and president of Kelly

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Speaker 2: Financial Services, and yes, that is her wonderful name, Kelly

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Speaker 2: Kelly Kelly, how are.

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Speaker 3: You good morning, Jeff. I am good. As we get

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Speaker 3: closer to Christmas, I've been reminded that the most meaningful

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Speaker 3: moments aren't about big spending. They're about family, traditions and gratitude.

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Speaker 3: For many retirees, the rising cost of living has been

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Speaker 3: an ongoing reality. Groceries, travel, celebrating with family. It all

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Speaker 3: takes more planning and intention these days. That's why being

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Speaker 3: smart with your money matters so much retirement. At Kelly

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Speaker 3: Financial we want you to feel confident and prepared. We

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Speaker 3: have a helpful resource for you, our Guide Inflation and

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Speaker 3: your Retirement. It explains how inflation affects retirees specifically, and

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Speaker 3: offers practical steps to help protect your purchasing power over time.

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Speaker 3: So enjoy the season you love knowing you have a

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Speaker 3: plan design to support your lifestyle. To request your complimentary copy,

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Speaker 3: give us a caller email Jeff, I'll continue this conversation

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Speaker 3: with our Kelly Advisors tomorrow morning at nine am on

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Speaker 3: Safe Money Strategies Radio. Do tune in and remember you

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Speaker 3: can always catch the radio rewind online. Jeff, have a

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Speaker 3: wonderful weekend. My best, Grace and the kiddos.

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Speaker 2: Thank you, Kelly, all the best to you and everyone

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Speaker 2: at Kelly Financial to get a free copy of that guide,

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Speaker 2: and I urge all of you, if you can do

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Speaker 2: get it call now eight eight eight eight hundred eighteen

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Speaker 2: eighty one eight eighty eight eight hundred eighteen eighty one,

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Speaker 2: or you can actually email Kelly herself personally Kelly at

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Speaker 2: Kellyfinancial dot org. That's Kelly at Kelly Financial dot org. Okay,

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Speaker 2: Mike and I were just talking about this off air,

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Speaker 2: and again, by the way, I always want to thank

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Speaker 2: Kelly and Kelly Financial for their incredible support. But we

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Speaker 2: were just talking about this off air and Mike said, no,

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Speaker 2: I'm not shocked by this. What I go No, And anyway,

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Speaker 2: so I've noticed it now it's been about a good

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Speaker 2: four or five years, and my point is just this

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Speaker 2: social media is reinforcing horrible behavior to the point now

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Speaker 2: you want to get some food out of Chipotle in

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Speaker 2: front of the customers. And I'm just not picking on Chipotle.

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Speaker 2: I'm just giving you my experience from life. Last night.

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Speaker 2: My thirteen year old daughter is there with me, and

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Speaker 2: you see the employees and they're not fighting or arguing,

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Speaker 2: they're joking, but they think constantly dropping the F bombs funny.

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Speaker 2: So it's like, hey, blank, you no, no, Blank, you

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Speaker 2: call blank yourself. You know, hey, where's the F and

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Speaker 2: Sara cream? Who took all the F and sawer cream?

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Speaker 2: Ha ha ha ha. This is customer service. You never

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Speaker 2: would have seen this before. This is something very recent

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Speaker 2: and because I'm telling you, part of it is it's

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Speaker 2: all this social media. It's non stop swearing, and they

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Speaker 2: think swearing is cool and funny. And apparently I'm getting

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Speaker 2: text messages Jeff, I happened to me at a Burger King,

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Speaker 2: happened to me at a McDonald's, happened to me at

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Speaker 2: a Wendy's. You know, Mike made an excellent point, Jeff.

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Speaker 2: You won't see that at Chick fil A. Say what

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Speaker 2: you want about those Christians, that Christian organization, but you

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Speaker 2: go to check fil A, they are impeccably polite. Oh

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Speaker 2: you won't hear an F bomb when you go there?

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Speaker 2: That is that what you gotta do? Now, you got

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Speaker 2: to go to Chick fil a, you know, when you're

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Speaker 2: ordering and not to hear some you know, some potty mouth,

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Speaker 2: really vulgarian, and they think it's so cool. Now you're saying, Jeff,

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Speaker 2: why does this bother you? Well, A, I don't want

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Speaker 2: to be served food with people swearing and using the

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Speaker 2: F word? Am I wrong? And then my daughter, who's thirteen,

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Speaker 2: I don't want her to think this is cool to

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Speaker 2: behave like this because you know, I'm hoping one day

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Speaker 2: she gets her first jobs, I don't know, flipping hamburgers

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Speaker 2: at McDonald's or working the cash register at McDonald's. And

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Speaker 2: as I told Mike, you know, i'd be very proud

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Speaker 2: to go to the McDonald's and say, Hey, I'm going

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Speaker 2: to order my big mac meal, but I'm gonna order

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Speaker 2: it from my daughter, Kay's first job. And you know,

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Speaker 2: she comes up, Dad, can I take your order? And

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Speaker 2: as she's taking my order, she's talking to rather colleagues,

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Speaker 2: fellow employees. Ehy efew no, no efew. Go yourself, I said, Mike,

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Speaker 2: you think this is gonna make oh I'm so proud

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Speaker 2: as a father look at the mouth on my daughter.

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Speaker 2: So what I'm saying is there's peer pressure. There's an

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Speaker 2: example that's being set where it's just it's so prevalent,

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Speaker 2: and a lot of it, I'm telling you, is from

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Speaker 2: that cesspool that social media. The less time your kids

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Speaker 2: spend on it, trust me, the better. Randy in New Hampshire.

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Speaker 2: Thanks for holding Randy, and welcome.

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Speaker 4: Good morning, Jeff. How are you.

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Speaker 2: I'm good? How are you? Randy?

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Speaker 5: Good? On this one, Jeff, I have to agree with

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Speaker 5: Grace as you like to say, one thousand percent. And

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Speaker 5: I'll tell you one of the things that we're not

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Speaker 5: talking about is peer pressure. And I have no doubt

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Speaker 5: that you and Grace are outstanding parents. But the problem

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Speaker 5: is when you take something from your kids that others have,

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Speaker 5: that is a tremendous amount of pressure. And I will

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Speaker 5: tell you from experience. Now my kids are both in

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Speaker 5: their thirties. Have you know have children of their own,

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Speaker 5: successful careers, great kids, but struggled with one of them

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Speaker 5: when and I'm not going to say he or she,

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Speaker 5: but when they're in their teens. And this was before Facebook,

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Speaker 5: this was with a social media app called MySpace, and

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Speaker 5: we didn't know a lot about it, but we knew

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Speaker 5: that it was unfamiliar to us. We were concerned about

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Speaker 5: content even then, and we said, no, you're not going

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Speaker 5: to have the mind Space account. So they found a

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Speaker 5: way and created another account under an alias. And I

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Speaker 5: learned of this because I created a MySpace account so

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Speaker 5: I could keep an eye because I suspected that something

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Speaker 5: was going on.

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Speaker 4: Now, this was before smartphones and all of that.

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Speaker 5: They had to be on a computer, whether they got

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Speaker 5: access to it at school or at the library, I'm

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Speaker 5: not sure, friends homes, but you know, it's it's it

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Speaker 5: was all because of peer pressure, you know, and that

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Speaker 5: is a very very powerful influence on a child.

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Speaker 4: So that's number one. Number two. You know, we talked.

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Speaker 5: About that that kid with the water bottle incident and saying,

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Speaker 5: you know, blank off to her mother. Now, the only

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Speaker 5: thing I had to say to that is, imagine if

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Speaker 5: she had, you know, slapped the kid up beside the

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Speaker 5: head or kind of man handled the kid and come on,

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Speaker 5: you're coming with me, put them into the car, and

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Speaker 5: so on and so forth. Everybody's got a cell phone,

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Speaker 5: and that's what parents are concerned about today. Parents are

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Speaker 5: concerned about.

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Speaker 4: You know, being called out for roughing their kid up

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Speaker 4: a little bit.

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Speaker 5: And that's a real uh, that's a real problem in

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Speaker 5: our society.

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Speaker 4: You know, I can and parent. You know.

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Speaker 5: The problem is parents aren't parents any longer.

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Speaker 4: They're not.

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Speaker 5: They use social media and smartphones as a babysitter for

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Speaker 5: their kids. And I see it all the time. I

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Speaker 5: work inside of people's homes. I have to go inside

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Speaker 5: of people's homes. People aren't parenting their kids any longer.

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Speaker 5: There's no discipline. The language I hear coming out of kids'

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Speaker 5: mouths towards their parents, it's unbelievable. It's unbelievable. Something has

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Speaker 5: to be done, and I am one thousand. I don't

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Speaker 5: like the government getting involved in anything, but they need

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Speaker 5: to do something about this because it's out of control

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Speaker 5: and it's outside the parents control.

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Speaker 4: Because most parents don't care. They don't care, and it's Randy,

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Speaker 4: let me.

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Speaker 2: Ask you this. I hear your argument. I really do, Randy,

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Speaker 2: let me ask you this. Maybe this is too draconian,

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Speaker 2: I don't know, but it'll in a way settle both

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Speaker 2: the concerns of both sides, the concern on my side

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Speaker 2: or our side, is that this is going to open

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Speaker 2: the door to a universal digital ID where they can

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Speaker 2: monitor and track us. This is their trojan horse, and

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Speaker 2: in some ways we believe it violates freedom of speech.

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Speaker 2: Your side, you've articulated it now very well, very eloquently.

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Speaker 2: What if we said, instead of banning them going on

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Speaker 2: social media, because then they got to resign up when

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Speaker 2: they turn sixteen, and that's when they're gonna start tracking them, right,

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Speaker 2: we just say no, you can't have a smartphone, an iPhone,

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Speaker 2: whatever it may be, until you're sixteen. A law, you know,

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Speaker 2: like the way you can't have a gun until you're

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Speaker 2: twenty one or whatever. You can't drink until you're twenty one.

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Speaker 2: In other words, there's just certain things that a child

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Speaker 2: cannot possess, period, full stop. And so until you're sixteen.

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Speaker 2: We are going to ban the sale of cell phones.

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Speaker 2: Or we're not cell phones because you can have a

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Speaker 2: flip phone, but I mean the sale of iPhones, smartphones.

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Speaker 2: So this way they just don't have a phone or sorry,

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Speaker 2: a smartphone or an iPhone, so they can there's no

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Speaker 2: way they can access anything on social media. What say you,

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Speaker 2: is that is that something am I going too far? Here.

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Speaker 2: What's say yourndy, Mike, what happened to Randy? Fifteen seconds? Okay, Randy,

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Speaker 2: please hang on. I want to get your answer. We're

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Speaker 2: right up against the break. We're going to be right back.

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Speaker 2: Don't touch that dial.

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Speaker 1: If Jeff doesn't get a day off. This request came

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Speaker 1: from his wife. The Kooner Report weekend edition on the

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Speaker 1: Boys of Boston WRKO