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Speaker 1: Broadcasting live from the Abraham Lincoln Radio Studio, the George

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Speaker 1: Washington Broadcast Center, Jack Armstrong, Joe, Ketty arm Strong and

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Speaker 1: Katty and He Armstrong and Jetty.

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Speaker 2: We've been doing live running commentary on the Carter funeral

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Speaker 2: throughout the show today, with to me, the standout thing

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Speaker 2: being the way Trump and Barack Obama were yucking up

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Speaker 2: in the pool in the pew, waiting for the thing

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Speaker 2: to start, laughing, talking, looking really interested in what each

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Speaker 2: other had to say.

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Speaker 1: I would freaking be fascinated to know what they were

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Speaker 1: talking about. Oh yeah, yeah, Well, what do you honestly guess?

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Speaker 1: Something mundane? You think it's mundane? Okay? Well, or or

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Speaker 1: mundane for a president, stuff about the motor caid or

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Speaker 1: or I don't know, I don't know. You don't think

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Speaker 1: of any significance though, No, unless they were discussing boys

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Speaker 1: Biden and idiot when's he supposed to get here? I

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Speaker 1: don't know, because they both really dislike him.

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Speaker 2: It could be like I could see any two presidents

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Speaker 2: complaining about press, the media or something I know, and

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Speaker 2: it's something the.

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Speaker 1: Way they blah blah blah or something like that. I

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Speaker 1: don't know. You think mundane. They talked for a long time.

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Speaker 2: One thing we do in this country now, And I'm

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Speaker 2: a big Garth Brooks fan, so I don't mind is

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Speaker 2: he is our national treasure musical act for inaugurations, funerals

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Speaker 2: and that sort of thing when they when they happen

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Speaker 2: at the level of the entire country. And he and

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Speaker 2: his wife Christian.

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Speaker 1: James Taylor retire from that gigger on.

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Speaker 2: Garth and Trisha Yearwood singing a little bit of a

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Speaker 2: stupid song. Although I loved it as I still like

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Speaker 2: it musically, the words are dumb.

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Speaker 1: From John Lennon, here's a little bit of it. You

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Speaker 1: miss it. I'm a team I'm not. And so I

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Speaker 1: was watching this John as it was happening live.

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Speaker 2: Joe Biden his eyes closed and was nodding along to

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Speaker 2: the lyrics, honest to God. Over his shoulder. You could

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Speaker 2: see w looking at By. W was looking at Biden,

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Speaker 2: was kind.

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Speaker 1: Of a squint on his face, like what are you doing, dude,

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Speaker 1: or are you falling asleep?

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Speaker 2: Or or he was thinking this song is dumb. The

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Speaker 2: whole imagine there's no country. Thing is great if you're

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Speaker 2: a sophomore girl, but kind of dumb for world leaders

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Speaker 2: of the most powerful country in the world.

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Speaker 1: Thank God.

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Speaker 2: How about the imagine no religion too in the biggest

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Speaker 2: church in Washington, d C. After fifty different pledges to Jesus,

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Speaker 2: Right is that?

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Speaker 1: Yeah? I know, I don't get it. It's so dopey.

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Speaker 1: And again I'm a Beatles fan shown Lennon Fenn. It's

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Speaker 1: a beautiful melody. Its fantastic. It's just and the world

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Speaker 1: needs soft headed, dreamy poets. We just don't want them

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Speaker 1: in charge of foreign policy, particularly the religion thing.

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Speaker 2: I hadn't thought of that until I saw so many

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Speaker 2: on one of your big Twitter people point that out.

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Speaker 2: There was just a long speech imploring Jesus to do something, and.

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Speaker 1: Then they sang the song. Right, it's weird.

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Speaker 2: I guess we all ignore the lyrics and kind of

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Speaker 2: just go with a well, it's you know, wishing for

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Speaker 2: a better, safer, more peaceful time, which I'm in favor of.

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Speaker 1: That's sweet.

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Speaker 2: It's just the remedy in the song is stupid. Also,

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Speaker 2: on the subject of all the prayers, and I heard

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Speaker 2: some of them when I went and got coffee.

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Speaker 1: I mean, there, it's in a big church.

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Speaker 2: Jimmy Carter was very religious he might be our most

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Speaker 2: religious president ever.

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Speaker 1: I don't know if you read any of his books,

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Speaker 1: I'm not sure how you measure that exactly. But he

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Speaker 1: was a very religious man.

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Speaker 2: Yes, outwardly believe in christian I don't know who would

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Speaker 2: top him. Maybe Joe Biden, but so lots of prayers,

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Speaker 2: specifically talking about Jesus our Savior.

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Speaker 1: How many of those presidents are into that? Do you think?

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Speaker 1: Do you guess? Sincerely? Yeah, Biden is, Carter was w

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Speaker 1: definitely is yeah, huh. Clinton just good for getting elected

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Speaker 1: in the South or real. I don't know. He's very old.

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Speaker 1: Often people start to consider their relationship with God more

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Speaker 1: acutely at his age. I don't know. Remember he went

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Speaker 1: to the.

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Speaker 2: Prayer breakfast during the Monica Lewinsky thing asking for forgiveness

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Speaker 2: that real or completely politically contrived.

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Speaker 1: Obama worships himself. So Obama claims to be a Christian,

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Speaker 1: yes or no? On his authenticity? This is inappropriate? Yep,

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Speaker 1: this is completely absolutely okay? Uh No, I don't. I

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Speaker 1: don't think he's a sincere believer in the divinity of

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Speaker 1: Jesus of Nazareth. He might be at this point in

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Speaker 1: his life, I doubt it, but I don't think there's

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Speaker 1: a chance he was when he was younger, young socialist,

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Speaker 1: super lefty, progressive running around No way, no, no, I don't.

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Speaker 1: Why are we even discussing this, just thinking.

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Speaker 2: I think it's interesting that we do the charade in

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Speaker 2: other countries, and I don't. I don't want to become

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Speaker 2: more secular or less religious myself, but it's okay in

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Speaker 2: a lot of countries to be No, I don't. I

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Speaker 2: don't believe in God at all. I don't think it's ridiculous.

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Speaker 2: I think it's a bunch of made up mids fairy tales,

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Speaker 2: as our friend Tim Sanderfer would say. And you can

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Speaker 2: still be, you know, run for office, but you can't

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Speaker 2: in the United States. You gotta at least pretend.

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Speaker 1: Yeah, if you can pause, just for a second, checking

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Speaker 1: with the control room, m hm, still one, okay, checking

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Speaker 1: on the number of deceased presidents in the cathedral. Let's

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Speaker 1: face it, Biden's a little touch and go right now,

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Speaker 1: come on.

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Speaker 2: Wow, okay, and they're they're leaving now. Joe Biden is

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Speaker 2: the oldest of the five current former presidents. He looks

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Speaker 2: the oldest, he sounds the oldest. Tea is the far

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Speaker 2: and he's walking out with Hunter right behind him. Hunter

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Speaker 2: looks like a former crack addict, because his mouth is

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Speaker 2: all mushed up and his jaws crooking, like a guy

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Speaker 2: who did too much math.

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Speaker 1: Yeah, he's got the meth mouth for sure. Speaking of

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Speaker 1: unpopular world leaders, I know a handful of Canadians who

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Speaker 1: despise Justin Trudeau, who's on his way out the door.

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Speaker 1: And I'd been aware that he was a progressive and

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Speaker 1: spouted a lot of the same nonsense our progressives do.

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Speaker 1: I hadn't remembered or had never heard. Oh he's he's

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Speaker 1: got eighty one. Eighty one percent of Canadians approved of

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Speaker 1: his resignation. Eighty one percent. Wow, I don't know which

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Speaker 1: should Was it that high for Nixon? Gosh? I don't know,

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Speaker 1: you know, it's probably close, But yeah, that's Nixonian unpopular unpopularity.

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Speaker 1: He told The New York Times after being elected in

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Speaker 1: twenty fifteen, there is no core identity, no mainstream in Canada,

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Speaker 1: claiming that Canada was the first post national state, meaning

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Speaker 1: and he doubled down on this, It's all about identity.

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Speaker 1: You can't claim to be Canadian as a particular culture

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Speaker 1: or set of beliefs. How dare we say we have

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Speaker 1: a culture, so you're either a you're you're a.

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Speaker 2: Black woman or a gay something or whatever, those are

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Speaker 2: your identities, but not Canadian.

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Speaker 1: Right exactly. And and and he was in embarrassed or

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Speaker 1: condemning of even saying we have a culture and it's

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Speaker 1: cool and we're gonna defend it.

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Speaker 2: That is the that's interesting you bring that up or

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Speaker 2: that he said that. That's the core Western civilization debate

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Speaker 2: that's going on right now. It's never spelled out that. Uh, clearly,

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Speaker 2: I don't think. But that's the whole thing. Do you

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Speaker 2: buy that or not?

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Speaker 1: And as the crowd that buys that gonna win or not?

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Speaker 1: H the idea that the United States of America has

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Speaker 1: a culture or Western civilization in general, that's the best

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Speaker 1: for all of its flaws, of course, but great and

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Speaker 1: worth defending. Is a hill I will die on, then

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Speaker 1: rise from the dead and haunt you, and then die

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Speaker 1: on again as often as possible. And the fact that

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Speaker 1: our schools and colleges are teaching against it. If I

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Speaker 1: could figure out how to be more militant and effectively

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Speaker 1: militant against that, will do it immediately.

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Speaker 2: I had completely forgotten the Trudeau blackface thing.

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Speaker 1: Remember what that emerged? He had apologize far because he

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Speaker 1: dressed in black he was a Michael Jackson fan. What

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Speaker 1: was his story? He had some excuse like he was

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Speaker 1: a big Jackson fan. I think I don't remember was

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Speaker 1: one of those. You know what strikes me though, is

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Speaker 1: that our favorite Justin Trudeau clip is an absolutely perfect

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Speaker 1: description and indictment of his whole modus operanda. You have that, Michael,

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Speaker 1: I have to grab it. Okay, Yeah, no worries. It

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Speaker 1: is everything Trudeau is. Is this floundering pretty boy effort

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Speaker 1: to be some sort of post national, post modern identity politics. Jesus,

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Speaker 1: it's disgusting.

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Speaker 2: LGDP lgt LBG LGBTQ two plush.

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Speaker 1: He was not able to capably ride the monster of

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Speaker 1: the alphabet super ridiculousness he and IS people had created.

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Speaker 2: Okay, I dug it up. I looked at the picture

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Speaker 2: of him in black face. The story broke with the

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Speaker 2: publication by Time magazine of a photo from two thousand

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Speaker 2: and one a year book at a Vancouver private high school.

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Speaker 2: He went to some fancy pants because his dad was

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Speaker 2: Prime Minister. Right, The school staged an Arabian Nights themed gala,

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Speaker 2: and he dressed as a Laddin and black face and

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Speaker 2: a turban. I don't know what made him decide he

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Speaker 2: needed to be blackface to be Aladdin. I would feel

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Speaker 2: like I could go to a as a Laddin with

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Speaker 2: a turbanon, not be blackfaceman. I also don't think it's

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Speaker 2: a crime against humanity to put on black makeup.

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Speaker 1: I hate Justin Trudeau and everything he stands for, but

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Speaker 1: anything you do in high school, short of murder plays

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Speaker 1: here in high school. Stop it. Checking with the booth again.

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Speaker 2: Total number of deceased presidents in the cathedral still one.

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Speaker 1: Okay, holding it one, We're holding it one. We've gotten

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Speaker 1: more on the way State.

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Speaker 3: Sarah was on with her eight year old Lease last night.

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Speaker 3: She came out, I'm sorry, just you know, one day

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Speaker 3: you're swimming at the pool and the next day it's

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Speaker 3: all gone. But she came out with her little Eddie

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Speaker 3: piggybank for us to rebuild our house.

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Speaker 2: That's the actor James Wood talking about his house burning down.

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Speaker 2: As a lot of people's homes burnt down. It's kind

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Speaker 2: of interesting watching on social.

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Speaker 1: Media and just hearing on various shows. The conversation about that.

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Speaker 2: You know, there's a lot of dislike for California on

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Speaker 2: the right side of politics, and certainly a lot of

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Speaker 2: dislike for celebrities. And then you confine California celebrities with

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Speaker 2: some wealth, and you got a whole bunch of the

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Speaker 2: kind of people you don't like. I feel like, if

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Speaker 2: you take any joy in their home burning down, that

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Speaker 2: makes you a not very good person.

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Speaker 1: Well, and I ran into somebody like that. I will

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Speaker 1: forgive it because I have much to be forgiven for.

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Speaker 1: But yeah, not only are a lot of the people

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Speaker 1: who've suffered terribly and are suffering m regular working class people.

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Speaker 1: I mean hundreds of homes of people who are just

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Speaker 1: getting by along with the wealthy people. What people forget

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Speaker 1: about California is that there are vast swathes of solid

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Speaker 1: Conservatism in California, including in the Blue counties. We're just outnumbered,

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Speaker 1: is the problem. So yeah, the idea of the good

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Speaker 1: I'm glad their house is burnt down. Good lord.

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Speaker 2: Although it is true that if you have money, it's

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Speaker 2: still a tragedy. You lost all your family, pictures and

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Speaker 2: everything in the home you loved, and the memories of

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Speaker 2: that's where your kid learn to walk and all that

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Speaker 2: sort of stuff.

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Speaker 1: But it's a lot easier to recover with money than

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Speaker 1: without money.

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Speaker 2: Hell yeah, you lost your house in the idea of

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Speaker 2: going to a hotel is just how the hell am

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Speaker 2: I gonna do that? My credit card is already maxed out.

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Speaker 2: I mean, that's just a different world of stress, sure,

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Speaker 2: no doubt. Anyway, here's a little of a man on

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Speaker 2: the street with some people. They are talking to God.

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Speaker 2: I'm looking up at Fox right now. We am a

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Speaker 2: loogenous who we've had on this show many many times.

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Speaker 1: It's just it looks like gossip behind him is what

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Speaker 1: it looks like in a really nice neighborhood. Anyway, here's

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Speaker 1: a little more. I'm surprised all of us got out

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Speaker 1: of there, to tell the truth. We did take all

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Speaker 1: of our family pictures and a few valuable paintings out

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Speaker 1: last night, so you know, all the stuff that's heres replaceable.

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Speaker 1: People are not so very lucky, so happy. The family

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Speaker 1: is the most important thing.

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Speaker 2: If the word to describe what we're seeing here tonight

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Speaker 2: is just apocalyptics. Right behind us in these mountains, that

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Speaker 2: is where the Palisades fire is burning.

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Speaker 1: That is Pacific Palisades. We're talking about eleven thousand plus

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Speaker 1: acres that have burned right now.

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Speaker 2: Eleven thousand just from that ache or that fire, or

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Speaker 2: was that all of them combined. Man, that's a lot,

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Speaker 2: that's a big area. Yeah, you know, I can't be

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Speaker 2: the only person who thought this. Watching some of the

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Speaker 2: news last night, some of it's getting kind of exploitive.

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Speaker 2: You know, how excited the news guys are to find

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Speaker 2: the best flaming home and to quick do the live shot. Well,

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Speaker 2: the flames are good and high, and I don't know,

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Speaker 2: it is so dramatic and amazing to see.

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Speaker 1: I just I know the news business, and I know newspeople,

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Speaker 1: and I can tell by the way they set up

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Speaker 1: shots what they're trying to do. And I just well,

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Speaker 1: we didn't we didn't get on that point. We didn't

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Speaker 1: get to this. We are in what's called Palisades Village

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Speaker 1: right here. This is the town center. Sort I need

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Speaker 1: to hear anymore of that. That's David Muir of ABC News.

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Speaker 2: He's standing there and he's got his yellow true raincoat

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Speaker 2: weather whatever you wear. When you're a newsman and you're

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Speaker 2: on the ground in a tragedy. For some reason, you

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Speaker 2: have to act like you're one of the firefighters. And

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Speaker 2: then he turns and you see that he's got these

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Speaker 2: clothespins on his jacket to sync it up so that

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Speaker 2: his buff, buff body still shows through his raincoat.

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Speaker 1: It's very important that he so it's couldn't form fitting

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Speaker 1: in men.

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Speaker 2: Yeah, you wouldn't want to just kind of draped hanging

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Speaker 2: on you and you look like every other shlub.

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Speaker 1: You still need to look buff, so kind of to

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Speaker 1: your point, I guess what a weasel. I'll never forgive

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Speaker 1: him for the debate that he quote unquote moderated David

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Speaker 1: muir Ough a talking weasel.

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Speaker 2: It's a weird thing of human nature. I am. This

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Speaker 2: has more effect on me than a lot of these

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Speaker 2: have had.

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Speaker 1: One.

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Speaker 2: We know someone who probably lost their house in that

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Speaker 2: Palisades fire, And I know the streets they're talking about

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Speaker 2: in Pasadena and Altadena. I've walked them and been to

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Speaker 2: those businesses have burned down, and just I don't know

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Speaker 2: why that would make it more impactful to me. And

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Speaker 2: I should be able to, you know, prescribe my emotions

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Speaker 2: onto towns I haven't been to when they catch on fire.

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Speaker 2: But I don't know if that's human nature or not.

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Speaker 1: I can Yes, it is. It absolutely is. I can

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Speaker 1: explain it to you with the help of C. S.

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Speaker 1: Lewis coming up in a moment. Okay, thank you for that.

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Speaker 1: Leave it or not? Yes, he will be our guest.

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Speaker 1: Really well, I should have been, We should have led

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Speaker 1: with that. Luckily he wrote many of his thoughts down

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Speaker 1: for us and will be sharing those. Among other things.

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Speaker 2: There are now one hundred and eighty thousand people in

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Speaker 2: the LA area under evacuation orders. The hotels have to

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Speaker 2: be full. I wonder how far you have to drive

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Speaker 2: out of LA before you can find a hotel that's

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Speaker 2: got a room.

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Speaker 1: To the border and probably the Sacramento I don't know.

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Speaker 1: I don't know. The nationwide homeowner's insurance crisis is going

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Speaker 1: to be one of the big stories of twenty twenty five, guaranteed.

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Speaker 1: I mean the well, the fires hit the houses, the

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Speaker 1: poop has hit the fan nationwide, it's gonna be one

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Speaker 1: of the great stories. Where it goes, I don't know,

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Speaker 1: but there's gonna be a huge change in the homeowner's

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Speaker 1: insurance industry.

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Speaker 2: We're gonna hear more about that prop that got that

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Speaker 2: the law they passed in California, so insurance companies couldn't

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Speaker 2: stick it to you and gouge you when they were

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Speaker 2: raising their rates because inflation has caused it more to

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Speaker 2: be more expensive to fix the house, so they dumped

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Speaker 2: people they had no choice.

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Speaker 1: Armstrong and Getty.

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Speaker 2: Mark Zuckerberg just said, anybody who quits Facebook over lack

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Speaker 2: of fact checking.

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Speaker 1: Is virtue signaling. It's interesting. Yeah, I kind of appreciate

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Speaker 1: them taking that attitude. I would you know, counter mark

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Speaker 1: that you know, you and everybody on your side of

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Speaker 1: the aisle, or at least the way the side of

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Speaker 1: the aisle you seem to be on, has been indoctrinating

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Speaker 1: people for years now, including on Facebook, to think that

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Speaker 1: A fact checking whatever the hell that means, is necessary,

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Speaker 1: and B that the fact checkers are actually checking facts

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Speaker 1: so you can't sell a live for years then kick

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Speaker 1: people would they believe it?

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Speaker 2: I also think maybe it might be some of the

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Speaker 2: crowd that and I know plenty of people like this

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Speaker 2: on the right. They don't want to ever hear a

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Speaker 2: story that disagrees with their viewpoint. It just they find

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Speaker 2: it too annoying or hurtful or I don't.

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Speaker 1: Know what, but yeah, yeah, I think part of it's

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Speaker 1: just if you're living in a political world where everybody's

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Speaker 1: always attacking, it's very difficult to be charitable and listen generously.

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Speaker 1: As they say, it's a fistfight.

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Speaker 2: My son wears the same size closes me. So he's

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Speaker 2: constantly borrowing my clothes, or I'm lending in my clothes

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Speaker 2: and I've got to stop because he never gives them back.

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Speaker 2: And I'm beltless today. My pants are falling down.

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Speaker 1: Dad.

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Speaker 2: I need a dress, black dress belt. I don't have

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Speaker 2: a black dress belt for the Christmas thing. And all right,

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Speaker 2: here's one. Of course it's gone. Who knows where it is.

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Speaker 1: It's probably some friend to his house on the floor,

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Speaker 1: under the bed with some old socks, never to be

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Speaker 1: seen against. Yeah, so the insurance crisis. In a minute

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Speaker 1: or two, I thought i'd hit this sent along by

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Speaker 1: alert listener and in Santa Cruz, I think this is

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Speaker 1: absolutely terrific and it's funny that it would come along today.

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Speaker 1: In answer to Jack's philosophical question last segment about well,

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Speaker 1: you've spent a great deal of time in Pasadena, Altadena,

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Speaker 1: and so it burning down is somehow much more impactful

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Speaker 1: than hearing about say, Greenwich, Connecticut, Burton.

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Speaker 2: That bothers me much more than the Hawaii story. Even

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Speaker 2: though I fully understood how awful it is and people

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Speaker 2: were dying and there they lost all their stuff, I

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Speaker 2: hadn't actually stood there and been in that business.

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Speaker 1: Yeah, by that house. The question is almost the answer.

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Speaker 1: It's undeniable that we're all that way. If we know

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Speaker 1: a neighborhood, we've seen the buildings, we've been in the buildings,

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Speaker 1: it's much more impactful and funny coincidence. And since this

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Speaker 1: along from C. S. Lewis, and this is caption C. S.

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Speaker 1: Lewis on the Internet before the Internet existed, it is

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Speaker 1: one of the e of rapid diffusion of news that

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Speaker 1: the sorrows of all the world come to us every morning.

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Speaker 1: I think each village was meant to feel pity for

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Speaker 1: its own sick and poor, whom it can help. And

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Speaker 1: I doubt if it is the duty of any private

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Speaker 1: person to fix his mind on ills which he cannot

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Speaker 1: help good one. This may even become an escape from

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Speaker 1: the works of charity we really can do to those

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Speaker 1: we know. A great many people do now seem to

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Speaker 1: think that the mere state of being worried is in

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Speaker 1: itself meritorious. I don't think it is. Oh yeah, I mean,

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Speaker 1: we could stop every sentence he probably should hashtag activism

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Speaker 1: is what he's talking about there, Yeah, exactly, he says,

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Speaker 1: we must, if it so happens, give our lives for others.

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Speaker 1: But even while we're doing it, I think we're meant

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Speaker 1: to enjoy our Lord and in him, our friends, our food,

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Speaker 1: our sleep, your jokes, the bird's song in the frosty Sunrise.

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Speaker 2: Boy, that is some really interesting stuff. As usual, there

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Speaker 2: are very few things written by C. S. Lewis that

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Speaker 2: aren't freaking fantastic and thought provoking. But yeah, okay, and

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Speaker 2: plus it gets me off the hook. But you're not

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Speaker 2: built to worry about that village so far away you

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Speaker 2: have nothing to do with and can't help, right.

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Speaker 1: And this gets back to my unified theory of modern

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Speaker 1: men and why we're all so screwed up. We just

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Speaker 1: we have way too much input all the time, and

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Speaker 1: most of our experience is not direct personal experience. It's

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Speaker 1: electronic once removed floodwaters flowing at us all the time,

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Speaker 1: and this is undeniable. It's reflected in you know, church attendance,

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Speaker 1: which is tangentially related depends on what you believe, whether

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Speaker 1: it's tangential or not anyway giving to charity as taxes

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Speaker 1: rise and government services rise. But a great many people

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Speaker 1: now seem to think that the mere state of being

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Speaker 1: worried or acting worried or posting worried on Twitter is

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Speaker 1: itself meritorious. Yes, an escape from doing actual works of

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Speaker 1: charity for people we can help.

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Speaker 2: Sure, that's the hashtag activism thing that I think with

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Speaker 2: a lot of us caught on to at the beginning.

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Speaker 2: It's either on purpose or by accident. It's a release

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Speaker 2: valve of your caring and now you feel enough like

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Speaker 2: you've done something.

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Speaker 1: That you're not actually going to do anything. Yeah. I

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Speaker 1: think a release valve is the perfect metaphor because it

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Speaker 1: releases the steam, if you will, that would have driven

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Speaker 1: the engine of you actually helping somebody. You posted this,

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Speaker 1: you tweeted about this.

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Speaker 2: Or more importantly, probably for our current political time, is

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Speaker 2: get involved on a level where you would go around

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Speaker 2: and get a petition started or names gathered to have

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Speaker 2: some legislation passed to whatever. Yeah, yeah, hashtag how much

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Speaker 2: you care about.

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Speaker 1: It and that's good enough? Yeah, Yeah, it's funny. I

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Speaker 1: am conscious of the fact that we raise awareness and

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Speaker 1: make arguments for a living, although we do, you know,

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Speaker 1: raise significant funds for some absolute fabulous charities with your help,

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Speaker 1: and we thank you for that. But I realized the

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Speaker 1: irony of this little screen. But I'll tell you up

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Speaker 1: they're not been true or spoken. Then if you want

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Speaker 1: to change the world, start in your town. Yeah, Greta,

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Speaker 1: you've stone in my dreams. I'll give it a rest.

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Speaker 2: Yeah, maybe I need to. I'm pointing at someone else

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Speaker 2: and I got four fingers pointing back at me.

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Speaker 1: Not unless your fist is really malformed. Really, that's that'd

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Speaker 1: be very odd, even if you wanted to.

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Speaker 2: It's easy to complain about the schools, just like in general.

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Speaker 2: Are you going to school board meetings?

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Speaker 1: I'm not.

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Speaker 2: Are you paying attention to who's up for election for

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Speaker 2: your school board every? Is it year or two years?

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Speaker 1: I don't even know these things or not? Or do

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Speaker 1: you just complain to people about it? Right? Right? Yeah?

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Speaker 1: Are you doing the work? And I'm asking me, not

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Speaker 1: you my friends asking Miselle.

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Speaker 2: Joe's got his malformed hand pointing four fingers back at him.

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Speaker 1: Oh no, I don't so. As I mentioned earlier, we

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Speaker 1: are heading toward a nationwide homeowner's insurance crisis. It's not

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Speaker 1: just the wildfires, but the wildfires are a big part

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00:24:14,720 --> 00:24:17,879
Speaker 1: of it, certainly in California, and insurance markets tend to

435
00:24:17,920 --> 00:24:21,520
Speaker 1: be state to state, which is a legislative question that

436
00:24:21,560 --> 00:24:25,000
Speaker 1: we won't be getting into. But between the hurricanes and

437
00:24:25,040 --> 00:24:27,479
Speaker 1: storms in the East, and the thunderstorms in the central

438
00:24:27,520 --> 00:24:31,119
Speaker 1: and southeast and everything else that happens across the country,

439
00:24:31,160 --> 00:24:35,520
Speaker 1: and the incredibly high cost of building now and rebuilding

440
00:24:35,560 --> 00:24:39,720
Speaker 1: that's inflation bidnomics really has as much to do with

441
00:24:39,800 --> 00:24:43,359
Speaker 1: anything as any natural disaster or climate change or anything else.

442
00:24:44,320 --> 00:24:46,879
Speaker 1: But we are really looking at a national reckoning. But

443
00:24:46,920 --> 00:24:52,840
Speaker 1: it's going to start in California, the state that accounted

444
00:24:52,840 --> 00:24:56,280
Speaker 1: for eight of the ten costliest US wildfires through last

445
00:24:56,359 --> 00:25:00,320
Speaker 1: year adjusted for inflation in history, and this one could

446
00:25:00,359 --> 00:25:03,240
Speaker 1: be it'll certainly be in one of the top five,

447
00:25:03,640 --> 00:25:07,280
Speaker 1: the one in LA right now. According to two people

448
00:25:07,359 --> 00:25:10,440
Speaker 1: who know this sort of thing, and if you're familiar

449
00:25:10,520 --> 00:25:12,920
Speaker 1: with this, California passed a law number of years ago.

450
00:25:12,960 --> 00:25:14,560
Speaker 1: I can't remember what year. It's in front of me

451
00:25:14,680 --> 00:25:18,879
Speaker 1: somewhere that essentially made it impossible for insurance companies to

452
00:25:18,960 --> 00:25:24,159
Speaker 1: raise their rates based on current and projected costs. They

453
00:25:24,200 --> 00:25:27,240
Speaker 1: had to go with historical costs and ignore the fact

454
00:25:27,440 --> 00:25:31,520
Speaker 1: that's saying, excuse me, Governor k Newsom Joe Getty of

455
00:25:31,520 --> 00:25:35,000
Speaker 1: All State. Here it costs seventy five percent more to

456
00:25:35,080 --> 00:25:37,719
Speaker 1: rebuild a house than it did four years ago. I

457
00:25:37,760 --> 00:25:42,920
Speaker 1: don't care. Here it comes low rates for consumers, artificial

458
00:25:42,960 --> 00:25:45,080
Speaker 1: government control of the free market.

459
00:25:45,720 --> 00:25:47,880
Speaker 2: And so how can I do that? In private life?

460
00:25:47,920 --> 00:25:49,560
Speaker 2: I need a new roof. I don't want to pay

461
00:25:49,560 --> 00:25:51,399
Speaker 2: the current price for what a roof costs.

462
00:25:51,480 --> 00:25:53,760
Speaker 1: I want to play the historic cost of getting a

463
00:25:53,800 --> 00:25:56,400
Speaker 1: new roof from like ten years ago. Boy, what a

464
00:25:56,520 --> 00:26:01,280
Speaker 1: great point, great illustration. But even before the wildfires were sparked,

465
00:26:01,400 --> 00:26:06,399
Speaker 1: millions of homeowners in the Golden State, millions, especially those

466
00:26:06,600 --> 00:26:09,760
Speaker 1: in the most fire prone areas including La, faced double

467
00:26:09,800 --> 00:26:14,359
Speaker 1: digit insurance rate increases, non renewals, or just nobody would

468
00:26:14,359 --> 00:26:18,080
Speaker 1: write them coverage. In fact, leading insurers, including State Farm

469
00:26:18,080 --> 00:26:20,919
Speaker 1: in All State, have stopped selling new home insurance home

470
00:26:21,200 --> 00:26:24,439
Speaker 1: insurance policies in the state, and indeed, at least one

471
00:26:24,480 --> 00:26:27,560
Speaker 1: of those companies dropped people in the very area that

472
00:26:27,680 --> 00:26:31,520
Speaker 1: got burnt or as burning as we speak. In the

473
00:26:31,600 --> 00:26:33,480
Speaker 1: last few weeks.

474
00:26:33,320 --> 00:26:35,879
Speaker 2: Now, we got this text, and I don't quite understand this.

475
00:26:36,040 --> 00:26:36,920
Speaker 2: Maybe you can answer it.

476
00:26:37,600 --> 00:26:38,280
Speaker 1: We got this text.

477
00:26:38,359 --> 00:26:42,320
Speaker 2: I'm in the spray foam roofing business flat residential in

478
00:26:42,440 --> 00:26:46,360
Speaker 2: the Bay Area. Insurance companies have been using Google Earth

479
00:26:46,359 --> 00:26:49,240
Speaker 2: and AI to look at standing water marks on these

480
00:26:49,320 --> 00:26:52,960
Speaker 2: roofs and canceling policies based on this alone if the

481
00:26:53,000 --> 00:26:55,879
Speaker 2: owners don't fix or replace their roofs with no inspections

482
00:26:55,880 --> 00:26:58,520
Speaker 2: from the insurance company at all for the last two years,

483
00:26:59,119 --> 00:27:02,000
Speaker 2: and I had the similar sort of thing happen also

484
00:27:02,080 --> 00:27:05,160
Speaker 2: with getting our homeowners insurance drop. Why don't they even

485
00:27:05,200 --> 00:27:07,000
Speaker 2: need an excuse or why do they pretend they need

486
00:27:07,000 --> 00:27:07,479
Speaker 2: an excuse?

487
00:27:07,680 --> 00:27:10,439
Speaker 1: Do they need an excuse? I think it was just

488
00:27:10,560 --> 00:27:14,080
Speaker 1: And look, I'm not like here to say and therefore

489
00:27:14,400 --> 00:27:18,600
Speaker 1: insurance companies are paragons of goodness and we should love them. No,

490
00:27:18,760 --> 00:27:22,200
Speaker 1: because they have their own practices that I'm critical of. Yeah,

491
00:27:22,359 --> 00:27:24,679
Speaker 1: what they're trying to do is they're trying to limit

492
00:27:24,800 --> 00:27:29,560
Speaker 1: risk as fast as they can because of the artificially

493
00:27:29,600 --> 00:27:33,800
Speaker 1: low rates, the price fixing by the government, and so

494
00:27:34,040 --> 00:27:36,240
Speaker 1: they've essentially said to their people, all right, use AI,

495
00:27:36,440 --> 00:27:38,920
Speaker 1: use satellite photos. Anybody who seems to have any sort

496
00:27:38,920 --> 00:27:41,000
Speaker 1: of roof problem, they're more likely to make a claim

497
00:27:41,040 --> 00:27:43,160
Speaker 1: get rid of them. We've just got a cutter cost

498
00:27:43,480 --> 00:27:46,320
Speaker 1: I and so it's fast and dirty and sloppy.

499
00:27:46,359 --> 00:27:49,199
Speaker 2: Absolutely, I'm on both sides of this argument, probably with

500
00:27:49,240 --> 00:27:51,200
Speaker 2: not enough information to be right on either side of

501
00:27:51,200 --> 00:27:51,679
Speaker 2: the argument.

502
00:27:51,800 --> 00:27:54,600
Speaker 1: But it does my whole life. My life experience is.

503
00:27:56,800 --> 00:27:58,639
Speaker 2: It never has been a good idea for me to

504
00:27:58,640 --> 00:28:03,200
Speaker 2: make an insurance claim, either home insurance or car insurance.

505
00:28:03,240 --> 00:28:05,320
Speaker 2: It always ends up being a net negative, like they

506
00:28:05,480 --> 00:28:09,040
Speaker 2: charge enough more to get back however much I got,

507
00:28:09,520 --> 00:28:12,760
Speaker 2: or more going forward. So it's just never been into

508
00:28:12,800 --> 00:28:16,040
Speaker 2: my benefit or just dump you, yeah, or or dump

509
00:28:16,080 --> 00:28:17,520
Speaker 2: you if they have to dump you. And I had

510
00:28:17,560 --> 00:28:19,520
Speaker 2: the one story which I've told on the air before,

511
00:28:19,560 --> 00:28:21,639
Speaker 2: where we had mold on our house, which in California

512
00:28:21,640 --> 00:28:22,600
Speaker 2: is a really really big deal.

513
00:28:22,600 --> 00:28:23,520
Speaker 1: We had mold in our house.

514
00:28:24,040 --> 00:28:27,800
Speaker 2: They work with a guy who comes there and deals

515
00:28:27,800 --> 00:28:29,879
Speaker 2: with your mold. And he said, no, no, I'd make two claims,

516
00:28:29,960 --> 00:28:31,720
Speaker 2: is what I recommend. You'd want to make a claim

517
00:28:31,720 --> 00:28:33,720
Speaker 2: for the kitchen and the launder room, two claims. I

518
00:28:33,840 --> 00:28:36,159
Speaker 2: make the two claims. Then the insurance company drops me

519
00:28:36,160 --> 00:28:38,520
Speaker 2: because I made too many claims and he was working

520
00:28:38,560 --> 00:28:39,520
Speaker 2: with the insurance company.

521
00:28:39,680 --> 00:28:43,760
Speaker 1: Like what right, Yeah, yeah, Well that's the whole question

522
00:28:43,800 --> 00:28:50,080
Speaker 1: of regulation. There is reasonable regulation that probably is necessary

523
00:28:50,560 --> 00:28:53,640
Speaker 1: to make sure the insurance market is not predatory or

524
00:28:53,680 --> 00:28:57,000
Speaker 1: fraudulent or whatever. I'm fine with that. But when you

525
00:28:57,080 --> 00:29:01,120
Speaker 1: get into price fixing, as Gavin News and folks like

526
00:29:01,160 --> 00:29:06,240
Speaker 1: that are wont to do artificial minimum wages anybody rent control,

527
00:29:06,360 --> 00:29:09,840
Speaker 1: et cetera, then you distort markets and it screws the consumer.

528
00:29:12,880 --> 00:29:15,400
Speaker 2: So it's the only time, like insurance really works for

529
00:29:15,520 --> 00:29:18,160
Speaker 2: auto or your home is like if you got a total,

530
00:29:18,400 --> 00:29:21,680
Speaker 2: that's the only time, like your car's gone, that's when

531
00:29:21,720 --> 00:29:25,080
Speaker 2: it it's worth it. All the others all are things

532
00:29:25,120 --> 00:29:27,040
Speaker 2: it's never to my benefit to make a claim.

533
00:29:28,040 --> 00:29:30,320
Speaker 1: It reminds me of a lot of stuff We've discussed

534
00:29:30,360 --> 00:29:34,520
Speaker 1: with Craig the healthcare Guru, that health insurance up until

535
00:29:34,640 --> 00:29:38,719
Speaker 1: very recently, was for although the history of health insurance

536
00:29:38,760 --> 00:29:44,000
Speaker 1: isn't that long. Total anyway, is for if something crazy happens,

537
00:29:44,240 --> 00:29:48,440
Speaker 1: If something serious and devastating happens, you don't have health insurance.

538
00:29:48,600 --> 00:29:50,440
Speaker 1: If you sprain your ankle and you have to go

539
00:29:50,480 --> 00:29:53,280
Speaker 1: to the doctor and have them say hey, it's not broken,

540
00:29:53,400 --> 00:29:56,080
Speaker 1: here's an expandage or whatever. That's not what it was

541
00:29:56,120 --> 00:29:58,600
Speaker 1: designed to be. Now we have HMOs or insurance that

542
00:29:58,600 --> 00:30:02,160
Speaker 1: we expect to cover anything with with load deductibles, but

543
00:30:02,880 --> 00:30:06,000
Speaker 1: you know, high costs and they pay for everything, and

544
00:30:06,040 --> 00:30:09,280
Speaker 1: those markets get distorted and the middlemen make all the money.

545
00:30:09,800 --> 00:30:13,840
Speaker 1: It's the same thing homeowner's insurance, at least theoretically, and

546
00:30:14,240 --> 00:30:17,680
Speaker 1: you know your your results may vary. Ought not to be.

547
00:30:18,080 --> 00:30:19,920
Speaker 1: A bird flies through my window and I call my

548
00:30:19,960 --> 00:30:22,880
Speaker 1: insurance company. No, that's out of pocket. It's just for

549
00:30:22,920 --> 00:30:23,960
Speaker 1: a f your house burns down.

550
00:30:25,080 --> 00:30:27,560
Speaker 2: You lawyers need to use a gentle touch when you're

551
00:30:27,560 --> 00:30:30,520
Speaker 2: milking the cow. I'll tell you that we will finish

552
00:30:30,560 --> 00:30:31,760
Speaker 2: strong next.

553
00:30:33,200 --> 00:30:46,520
Speaker 1: Strong. You miss it. I'm a teamer. I'm not shout's

554
00:30:46,520 --> 00:30:49,600
Speaker 1: Garth Brooks and Trisha Yearwood singing imagine at Jimmy Carter's

555
00:30:49,640 --> 00:30:53,320
Speaker 1: funeral today and it's got a fair amount of attention,

556
00:30:53,640 --> 00:30:56,680
Speaker 1: although in social media terms out knowing if for any

557
00:30:56,720 --> 00:30:59,080
Speaker 1: real people are first of all, Garth, you're you reach

558
00:30:59,200 --> 00:31:02,560
Speaker 1: you pass that point of dyeing your hair.

559
00:31:02,640 --> 00:31:04,960
Speaker 2: There is a point you can do it for a

560
00:31:05,000 --> 00:31:08,000
Speaker 2: while where your face matches the hair color and you

561
00:31:08,080 --> 00:31:08,760
Speaker 2: just look younger.

562
00:31:08,800 --> 00:31:11,440
Speaker 1: It works. You are at the wait a second, what's

563
00:31:11,480 --> 00:31:13,160
Speaker 1: going on here? Stage? And somebody should tell you.

564
00:31:13,240 --> 00:31:15,560
Speaker 2: So I'm telling you now, Garth as a biggest fan,

565
00:31:15,680 --> 00:31:18,080
Speaker 2: I couldn't be a bigger Garth Brooks fan. I would

566
00:31:18,080 --> 00:31:19,920
Speaker 2: be just as big a Garth Brooks fan if you're

567
00:31:19,960 --> 00:31:22,760
Speaker 2: a gray headed Garth Brooks as if you're a dark,

568
00:31:23,240 --> 00:31:26,120
Speaker 2: practically black haired, bearded Garth Brooks.

569
00:31:26,160 --> 00:31:26,680
Speaker 1: All right, so.

570
00:31:28,640 --> 00:31:30,880
Speaker 2: They sang imagine, I assume you all know that song

571
00:31:30,920 --> 00:31:33,320
Speaker 2: that John Lennon tude and everything like that, which I

572
00:31:33,400 --> 00:31:36,520
Speaker 2: loved when I was young, just thought it was amazing

573
00:31:36,600 --> 00:31:38,160
Speaker 2: because I was young and stupid.

574
00:31:38,320 --> 00:31:41,120
Speaker 1: The lyrics are stupid anyway, this.

575
00:31:41,080 --> 00:31:47,400
Speaker 2: Text imagine no religion at the funeral of a man

576
00:31:48,000 --> 00:31:51,320
Speaker 2: who his belief in Christ was the most important thing

577
00:31:51,360 --> 00:31:52,200
Speaker 2: in his life.

578
00:31:52,320 --> 00:31:57,440
Speaker 1: It's a hideous song, but it's singularly inappropriate here, I

579
00:31:57,480 --> 00:31:58,200
Speaker 1: would agree.

580
00:31:58,320 --> 00:32:01,240
Speaker 2: Did he choose it? Did his family choosing? Have they

581
00:32:01,280 --> 00:32:07,320
Speaker 2: not listened to the words. Jimmy Carter was an evangelical Christian.

582
00:32:08,320 --> 00:32:12,160
Speaker 1: That was his life. He wrote endless books about it.

583
00:32:12,400 --> 00:32:13,800
Speaker 1: I don't know if you know that much about it.

584
00:32:13,840 --> 00:32:16,360
Speaker 1: He got up every day. He prayed hours a day

585
00:32:16,640 --> 00:32:19,560
Speaker 1: to try to check his books. Did end back to you?

586
00:32:21,720 --> 00:32:26,000
Speaker 1: He did the endless writing of books. Okay, maybe.

587
00:32:28,840 --> 00:32:31,480
Speaker 2: He prayed hours every day to try to spread the

588
00:32:31,520 --> 00:32:34,360
Speaker 2: good news around the world. And you just sang a

589
00:32:34,360 --> 00:32:36,520
Speaker 2: song saying it'd be better off if that didn't exist.

590
00:32:36,720 --> 00:32:37,640
Speaker 2: That's a bad idea.

591
00:32:38,320 --> 00:32:41,360
Speaker 1: That's weird, isn't it. Yeah, Jimmy had really good taste

592
00:32:41,360 --> 00:32:45,400
Speaker 1: in music in general. Buddy's with the Allman Brothers band, and.

593
00:32:47,040 --> 00:32:48,760
Speaker 2: I mean, like if you got up at my funeral

594
00:32:48,800 --> 00:32:51,120
Speaker 2: in saying and kids are an entire waste of time,

595
00:32:51,400 --> 00:32:52,120
Speaker 2: don't have kids.

596
00:32:52,120 --> 00:32:56,760
Speaker 1: It's a stupid thing to do. What This doesn't make sense.

597
00:32:57,320 --> 00:33:02,560
Speaker 1: It's an odd choice of thoughts. Who wants final thoughts?

598
00:33:03,160 --> 00:33:07,640
Speaker 1: Go have some final thoughts. Hooray man, that's an old

599
00:33:07,680 --> 00:33:11,600
Speaker 1: timy one. There. Here's your host for final thoughts, Joe Getty. Hey,

600
00:33:11,640 --> 00:33:13,480
Speaker 1: let's get a final thought from everybody on the crew

601
00:33:13,480 --> 00:33:15,640
Speaker 1: to wrap up today. There he is our technical director,

602
00:33:15,720 --> 00:33:18,280
Speaker 1: pressing the buttons. Michelangelo Michael final thought. You know, I

603
00:33:18,320 --> 00:33:21,440
Speaker 1: watched CNN. I saw Steve Guttenberg out there helping the police,

604
00:33:21,560 --> 00:33:23,640
Speaker 1: the fire department, which is pretty cool. So he was

605
00:33:23,640 --> 00:33:26,440
Speaker 1: in those police Academy movies, so he did police work.

606
00:33:26,520 --> 00:33:31,360
Speaker 1: Now he's doing fireworks. Pretty cool, sol Katie Green or

607
00:33:31,440 --> 00:33:34,800
Speaker 1: steamed Newswoman As a final thought, Katie, I was labeling

608
00:33:34,800 --> 00:33:38,760
Speaker 1: the podcast earlier, and I wrote Joe Biden's eulogy and

609
00:33:38,840 --> 00:33:42,000
Speaker 1: realized I needed to change it because I could be misleading. Right,

610
00:33:42,160 --> 00:33:44,240
Speaker 1: so some people are calling it a dress rehearsal for

611
00:33:44,320 --> 00:33:47,880
Speaker 1: Joe Biden. Oh boy, Jack, I hope that's not your

612
00:33:47,920 --> 00:33:49,000
Speaker 1: final thoughts you have one.

613
00:33:49,120 --> 00:33:51,560
Speaker 2: My final thought is a little bit of regret, as

614
00:33:51,600 --> 00:33:56,080
Speaker 2: I feel like we've broken new broadcasting ground in a

615
00:33:56,200 --> 00:34:01,440
Speaker 2: genre called harshly criticizing other people's funerals. No, not the

616
00:34:01,440 --> 00:34:07,440
Speaker 2: sort of venue normally here anyway.

617
00:34:09,239 --> 00:34:15,480
Speaker 1: I guess my final thought is policy matters, Leadership matters.

618
00:34:15,600 --> 00:34:19,279
Speaker 1: I feel like big, nasty, ugly birds are coming home

619
00:34:19,320 --> 00:34:24,360
Speaker 1: to roost all over the world, Canada, the United States, Europe.

620
00:34:24,680 --> 00:34:27,839
Speaker 1: A lot of these utopian policies that fit in very

621
00:34:27,840 --> 00:34:31,440
Speaker 1: well with John Lennon's ditties are yielding horrible results.

622
00:34:31,760 --> 00:34:34,160
Speaker 2: Yeah, we're going to get to the actual policy discussions

623
00:34:34,200 --> 00:34:39,239
Speaker 2: on homeowners insurance, immigration, you know, medical care, all kinds

624
00:34:39,239 --> 00:34:39,759
Speaker 2: of different things.

625
00:34:39,760 --> 00:34:42,839
Speaker 1: Good. I'm strong and getting wrapping about other grueling four

626
00:34:42,840 --> 00:34:43,640
Speaker 1: hour workday.

627
00:34:43,640 --> 00:34:45,600
Speaker 2: We will see you tomorrow with more news of the day.

628
00:34:46,760 --> 00:34:52,400
Speaker 2: God bless America. I'm strong and getta.

629
00:34:52,640 --> 00:35:00,239
Speaker 1: This is a message for the people of America. Is

630
00:35:00,239 --> 00:35:02,600
Speaker 1: anyone else humping them outdown? I think it's nuts. I

631
00:35:02,680 --> 00:35:03,680
Speaker 1: got nothing for you on that.

632
00:35:03,840 --> 00:35:07,120
Speaker 3: Oh really, But we're gonna f around and find out

633
00:35:07,320 --> 00:35:11,320
Speaker 3: character character character.

634
00:35:11,600 --> 00:35:14,440
Speaker 1: That was quite something. When it comes on for you

635
00:35:14,520 --> 00:35:16,719
Speaker 1: to go, you have to go. Here are you more?

636
00:35:17,239 --> 00:35:17,480
Speaker 3: I know?

637
00:35:18,560 --> 00:35:19,800
Speaker 1: Armstrong and Getty