1 00:00:01,400 --> 00:00:01,759 Speaker 1: Welcome. 2 00:00:01,800 --> 00:00:05,359 Speaker 2: It is Verdict with Senator Ted Kruz Ben Ferguson with you, Senator, 3 00:00:05,519 --> 00:00:08,680 Speaker 2: this show is going to be one that is going 4 00:00:08,760 --> 00:00:12,440 Speaker 2: to irritate a lot of people. The Biden new rule 5 00:00:12,840 --> 00:00:15,880 Speaker 2: that he wants to put on the American people will 6 00:00:15,960 --> 00:00:22,000 Speaker 2: redistribute high risk loans and that will cost homeowners with 7 00:00:22,160 --> 00:00:25,120 Speaker 2: good credit more money to get a loan. In translation, 8 00:00:25,920 --> 00:00:29,960 Speaker 2: what he wants to do is give a bonus reward 9 00:00:30,320 --> 00:00:35,000 Speaker 2: bad credit, bad credit scores, and then those that have 10 00:00:35,320 --> 00:00:40,440 Speaker 2: good credit will pay higher interest rate. This isn't a joke. 11 00:00:40,800 --> 00:00:43,760 Speaker 2: This is redistribution of a new way of doing it. 12 00:00:43,760 --> 00:00:47,560 Speaker 2: I guess you could say center with Wealth. Your reaction, well, 13 00:00:47,600 --> 00:00:49,960 Speaker 2: it's even worse than that. So this is a proposed 14 00:00:50,040 --> 00:00:52,720 Speaker 2: rule that has come from Fanny May and Freddie mac. 15 00:00:53,000 --> 00:00:57,200 Speaker 2: Fanny May and Freddie Mack are government sponsored entities that 16 00:00:57,600 --> 00:01:01,280 Speaker 2: purchase mortgages and they have an enormous impact, a dominant 17 00:01:01,280 --> 00:01:04,959 Speaker 2: impact in the home mortgage market. And under Joe Biden, 18 00:01:04,959 --> 00:01:08,200 Speaker 2: they've rolled out new rules. And the new rules do 19 00:01:08,319 --> 00:01:14,160 Speaker 2: two things. Number one, they benefit you if you have 20 00:01:14,280 --> 00:01:17,199 Speaker 2: a low credit score, So if your credit score is bad, 21 00:01:17,240 --> 00:01:20,959 Speaker 2: if you've defaulted on rent payments, if you defaulted on 22 00:01:21,000 --> 00:01:24,280 Speaker 2: your mortgage before, if you fail to pay credit cards, 23 00:01:24,800 --> 00:01:29,200 Speaker 2: if you have a low credit score, your credit is cheaper. 24 00:01:30,520 --> 00:01:33,440 Speaker 2: And then the flip side is if you've been responsible, 25 00:01:34,319 --> 00:01:36,720 Speaker 2: if you've done the good work of paying your bills, 26 00:01:37,520 --> 00:01:39,200 Speaker 2: if you paid your rent on time, if you've had 27 00:01:39,200 --> 00:01:41,640 Speaker 2: a home and you paid your mortgage on time, if 28 00:01:41,640 --> 00:01:43,720 Speaker 2: you've had a credit cards and you paid them off, 29 00:01:45,040 --> 00:01:46,360 Speaker 2: they penalize you. 30 00:01:47,000 --> 00:01:51,800 Speaker 3: They charge you more. If you have a good credit score. 31 00:01:52,360 --> 00:01:56,840 Speaker 3: Now it gets even dumber than that. If not only 32 00:01:56,880 --> 00:01:59,440 Speaker 3: do you have a good credit score, but you've actually 33 00:01:59,440 --> 00:02:02,520 Speaker 3: been responded, well, you've saved, you put money in the bank, 34 00:02:03,200 --> 00:02:08,720 Speaker 3: and you're putting down a twenty percent down payment. They 35 00:02:08,800 --> 00:02:13,560 Speaker 3: jack your fees up even higher, they charge you more. 36 00:02:13,600 --> 00:02:17,000 Speaker 3: And I gotta say, look, I've actually found in the 37 00:02:17,080 --> 00:02:21,079 Speaker 3: last two weeks, I've had multiple people come up to 38 00:02:21,120 --> 00:02:23,720 Speaker 3: me and in conversations and raise this with me, because 39 00:02:23,720 --> 00:02:28,800 Speaker 3: this is infuriating. This is asinine on the on the 40 00:02:28,800 --> 00:02:32,440 Speaker 3: one side, on the subsidizing people who have lousy credit 41 00:02:32,480 --> 00:02:37,919 Speaker 3: scores giving them cheaper loans even though their credit scores 42 00:02:37,960 --> 00:02:41,440 Speaker 3: are lousy. What that is going to produce is that 43 00:02:41,520 --> 00:02:46,160 Speaker 3: is going to produce another two thousand and eight housing crisis. 44 00:02:46,520 --> 00:02:49,560 Speaker 3: What this is is the Bided administration trying to convince 45 00:02:49,600 --> 00:02:53,600 Speaker 3: people with low incomes, with bad credit, without the ability 46 00:02:53,720 --> 00:02:57,799 Speaker 3: to pay a big monthly bill, so nonetheless take out 47 00:02:57,840 --> 00:03:00,800 Speaker 3: mortgages and to take out mortgages for more than they 48 00:03:00,840 --> 00:03:04,600 Speaker 3: can afford. And we know they're going to end up 49 00:03:04,639 --> 00:03:08,079 Speaker 3: defaulting on those mortgages. That's what a low credit score means. 50 00:03:08,560 --> 00:03:11,600 Speaker 3: That's what you don't want people taking out a mortgage 51 00:03:11,600 --> 00:03:15,320 Speaker 3: that is too big for their income. But if you 52 00:03:15,400 --> 00:03:19,640 Speaker 3: are a Joe Biden naive socialist, it sounds great to you. Hey, 53 00:03:19,760 --> 00:03:22,640 Speaker 3: let's encourage these guys, get them in a mc mansion 54 00:03:23,240 --> 00:03:26,960 Speaker 3: and then well, if they can't pay their mortgage, oh 55 00:03:26,960 --> 00:03:29,240 Speaker 3: well we'll deal with that then. But the flip side 56 00:03:29,240 --> 00:03:33,079 Speaker 3: of it, I want everyone sitting here listening to think 57 00:03:33,120 --> 00:03:38,240 Speaker 3: about this. Have you been responsible? Have you built up 58 00:03:38,280 --> 00:03:41,640 Speaker 3: a good credit score when you're buying a home. Have 59 00:03:41,760 --> 00:03:43,600 Speaker 3: you saved money so that you have money for a 60 00:03:43,640 --> 00:03:46,600 Speaker 3: down payment. In any normal world, if you have a 61 00:03:46,600 --> 00:03:50,720 Speaker 3: down payment, your fees are lower. If you don't have 62 00:03:50,800 --> 00:03:53,840 Speaker 3: a down payment, you pay a lot higher. Why because 63 00:03:53,880 --> 00:03:56,760 Speaker 3: it's much riskier if you're getting a mortgage with no 64 00:03:56,840 --> 00:03:59,280 Speaker 3: down payment, the odds are much higher that you'll default 65 00:03:59,680 --> 00:04:02,240 Speaker 3: and the bank will lose their money. Well, the Biden administration, 66 00:04:02,400 --> 00:04:05,760 Speaker 3: to give you a sense of this, the rule they 67 00:04:05,800 --> 00:04:10,320 Speaker 3: announced would charge home buyers with credit scores of a 68 00:04:10,440 --> 00:04:15,400 Speaker 3: six eighty or more an extra forty dollars a month 69 00:04:16,279 --> 00:04:19,039 Speaker 3: on home loans of four hundred thousand dollars or more. 70 00:04:20,360 --> 00:04:25,880 Speaker 3: That is insane and welcome to bizarro world of the 71 00:04:26,000 --> 00:04:29,640 Speaker 3: socialist wanting to penalize you for doing the right thing. 72 00:04:30,279 --> 00:04:30,440 Speaker 1: You know. 73 00:04:30,520 --> 00:04:32,960 Speaker 2: One of the things that's so amazing is this is 74 00:04:33,040 --> 00:04:35,640 Speaker 2: being done at a time when interest rates for mortgages 75 00:04:36,279 --> 00:04:41,239 Speaker 2: have roughly doubled over the past year. I know how 76 00:04:41,480 --> 00:04:44,560 Speaker 2: much I saved when I bought my first house, and 77 00:04:44,600 --> 00:04:47,560 Speaker 2: I bought my first house at the courthouse steps in foreclosure, 78 00:04:48,080 --> 00:04:52,440 Speaker 2: trying to make a good financial decision. I remember sacrificing 79 00:04:52,560 --> 00:04:54,960 Speaker 2: to get that credit score to the highest number I 80 00:04:54,960 --> 00:04:57,320 Speaker 2: could get so I could get that won. I remember 81 00:04:57,680 --> 00:04:59,720 Speaker 2: the rules of what they said to do and don't 82 00:04:59,760 --> 00:05:01,920 Speaker 2: do it. Don't open up any type of credit card, 83 00:05:02,000 --> 00:05:04,680 Speaker 2: don't open up any line of credit. Don't go out 84 00:05:04,720 --> 00:05:06,480 Speaker 2: and buy a car. Don't go out and do this 85 00:05:06,520 --> 00:05:10,679 Speaker 2: because home ownership I believe shouldn't be easy as going 86 00:05:10,720 --> 00:05:13,920 Speaker 2: out and buying a value mil at McDonald's. I think 87 00:05:13,960 --> 00:05:17,760 Speaker 2: there's responsibility that comes with most Americans would agree. You 88 00:05:17,880 --> 00:05:19,880 Speaker 2: go back to US An eight, which you mentioned center 89 00:05:20,520 --> 00:05:22,680 Speaker 2: in two thousand and eight, you could walk in and 90 00:05:22,720 --> 00:05:25,520 Speaker 2: you could get a loan by just putting your name 91 00:05:25,560 --> 00:05:29,599 Speaker 2: on a piece of paper and just telling somebody what 92 00:05:29,680 --> 00:05:33,279 Speaker 2: your income was without even having to verify it in 93 00:05:33,320 --> 00:05:36,960 Speaker 2: many cases, and that's what caused that housing crisis. It's 94 00:05:37,040 --> 00:05:39,680 Speaker 2: like they didn't learn their lesson and it's a quick 95 00:05:39,720 --> 00:05:41,719 Speaker 2: way to buy some votes by saying, look what we 96 00:05:41,760 --> 00:05:45,279 Speaker 2: did for you. We rewarded your bad behavior, and we 97 00:05:45,360 --> 00:05:49,279 Speaker 2: rewarded your failure with a lower interest rate, So vote 98 00:05:49,279 --> 00:05:49,719 Speaker 2: for us. 99 00:05:51,920 --> 00:05:55,440 Speaker 3: Look, that's exactly right, and the results of this are 100 00:05:55,600 --> 00:06:03,000 Speaker 3: are really significant. The interest rates are actually even worse 101 00:06:03,320 --> 00:06:08,120 Speaker 3: than that. So when Joe Biden became president, the average 102 00:06:08,120 --> 00:06:10,719 Speaker 3: home mortgage interest rates were between two and two and. 103 00:06:10,720 --> 00:06:11,360 Speaker 1: A half percent. 104 00:06:12,720 --> 00:06:18,839 Speaker 3: A year ago, the thirty year mortgage rate was five percent. 105 00:06:20,200 --> 00:06:23,239 Speaker 3: Right now, the average thirty year mortgage rate is six 106 00:06:23,279 --> 00:06:27,800 Speaker 3: point twenty seven percent. So think about that journey. It 107 00:06:27,839 --> 00:06:30,039 Speaker 3: went from two and a half percent before Biden became 108 00:06:30,080 --> 00:06:35,600 Speaker 3: president to six point twenty seven percent. Now that is 109 00:06:35,880 --> 00:06:41,440 Speaker 3: crushing already. And now they're coming in and artificially saying, 110 00:06:42,880 --> 00:06:45,880 Speaker 3: if you have a down payment, we're gonna punish you. 111 00:06:46,560 --> 00:06:51,200 Speaker 3: If you have good credit, we're gonna punish you. And 112 00:06:51,279 --> 00:06:54,760 Speaker 3: let me give you some math on that. So beforehand, 113 00:06:56,040 --> 00:07:00,240 Speaker 3: a borrower with a seven hundred credit score and a 114 00:07:00,320 --> 00:07:05,080 Speaker 3: twenty percent down payment would have paid an up upfront 115 00:07:05,120 --> 00:07:07,359 Speaker 3: fee equal to one point twenty five percent of the 116 00:07:07,360 --> 00:07:10,280 Speaker 3: loan amount. That is, let's say on a three hundred 117 00:07:10,320 --> 00:07:14,920 Speaker 3: thousand dollars loan, that's three thousand, seven hundred and fifty dollars. Now, 118 00:07:15,640 --> 00:07:17,960 Speaker 3: because you have good credit, because you have down payment, 119 00:07:18,600 --> 00:07:21,520 Speaker 3: your fee has risen from one point twenty five percent 120 00:07:22,280 --> 00:07:24,760 Speaker 3: to one point three seven five percent. Or in other words, 121 00:07:24,800 --> 00:07:27,560 Speaker 3: if you're taking a three hundred thousand dollars loan, it's 122 00:07:27,600 --> 00:07:30,440 Speaker 3: gone from three thousand, seven hundred and fifty dollars to 123 00:07:30,600 --> 00:07:33,360 Speaker 3: four thousand, one hundred and twenty five dollars. They are 124 00:07:33,440 --> 00:07:37,360 Speaker 3: punishing you because you did the right thing, and in turn, 125 00:07:38,120 --> 00:07:43,480 Speaker 3: they're subsidizing you, uh, if you did not do the 126 00:07:43,560 --> 00:07:43,960 Speaker 3: right thing. 127 00:07:44,680 --> 00:07:44,920 Speaker 1: Yeah. 128 00:07:45,200 --> 00:07:49,760 Speaker 2: In other words, they're forcing people that are responsible with 129 00:07:49,840 --> 00:07:53,920 Speaker 2: good credit to pay more for their mortgages so that 130 00:07:54,000 --> 00:07:59,440 Speaker 2: you can subsidize those who are higher risk borrowers. And 131 00:07:59,560 --> 00:08:02,920 Speaker 2: they say that is good for this country. I don't 132 00:08:02,920 --> 00:08:06,120 Speaker 2: know how anyone can think rewarding bad behavior is a 133 00:08:06,160 --> 00:08:08,840 Speaker 2: good thing. Yet here is what the Democratic Party is doing. 134 00:08:09,120 --> 00:08:10,920 Speaker 2: And I want to ask you about what this is 135 00:08:11,000 --> 00:08:13,520 Speaker 2: rooted in, Senator, because there's a lot of people that 136 00:08:13,560 --> 00:08:16,480 Speaker 2: look at this and they think themselves, this sounds a 137 00:08:16,560 --> 00:08:19,360 Speaker 2: whole lot like socialism. Before I get to that one, 138 00:08:19,360 --> 00:08:21,640 Speaker 2: I tell you about our friends over Chalk. If you 139 00:08:21,960 --> 00:08:25,400 Speaker 2: are a guy and you feel like you've been losing 140 00:08:25,440 --> 00:08:28,320 Speaker 2: some of your edge and you want to choose strength 141 00:08:28,360 --> 00:08:31,880 Speaker 2: and vitality over weakness complacency. 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Check out the mal Vitality Stack. 159 00:09:34,800 --> 00:09:38,280 Speaker 2: I've been taking now for two months Chalk choq dot 160 00:09:38,320 --> 00:09:41,760 Speaker 2: com promo code Ben Senator, I want to get back 161 00:09:41,800 --> 00:09:45,800 Speaker 2: to this idea of socialism. When you start taking from 162 00:09:45,800 --> 00:09:48,080 Speaker 2: the responsible, not even the rich, We're just talking about 163 00:09:48,080 --> 00:09:53,599 Speaker 2: responsible homeomeowners. And you start taking from and penalizing responsibility 164 00:09:54,240 --> 00:09:57,520 Speaker 2: to then quote level of the playing field, you're bringing 165 00:09:57,720 --> 00:10:02,439 Speaker 2: everyone down into the same group and putting everybody's loans 166 00:10:02,440 --> 00:10:06,280 Speaker 2: at risks at a much higher risk of failure. When 167 00:10:06,320 --> 00:10:09,240 Speaker 2: you do this. We know this from two thousand and 168 00:10:09,240 --> 00:10:12,600 Speaker 2: eight housing bubble, that many people live through and there's 169 00:10:12,640 --> 00:10:15,000 Speaker 2: people say, this is basically what socialism is. 170 00:10:16,640 --> 00:10:18,679 Speaker 1: Look, it's exactly what socialism is. 171 00:10:18,720 --> 00:10:23,360 Speaker 3: And it is the pattern of the left wing. It 172 00:10:23,440 --> 00:10:25,480 Speaker 3: is the pattern of the Biden administration. You look at 173 00:10:25,520 --> 00:10:31,920 Speaker 3: the pandemic where Democrats paid massive amounts in unemployment benefits, 174 00:10:32,200 --> 00:10:34,880 Speaker 3: and you want to really see the difference. In the 175 00:10:34,880 --> 00:10:39,280 Speaker 3: middle of the pandemic, I introduced an amendment to cap 176 00:10:39,800 --> 00:10:45,280 Speaker 3: unemployment benefits at whatever your salary was in your prior job. 177 00:10:45,320 --> 00:10:47,640 Speaker 3: And I stood up on the Senate floor and I argued, Look, 178 00:10:48,440 --> 00:10:51,000 Speaker 3: lots of people have lost their jobs, many of them 179 00:10:51,240 --> 00:10:56,119 Speaker 3: not their fault. It makes sense to provide enhanced benefits 180 00:10:56,120 --> 00:11:00,839 Speaker 3: for a limited period of time, but should not get 181 00:11:00,840 --> 00:11:04,760 Speaker 3: a pay raise because they lost their job. So we 182 00:11:04,800 --> 00:11:08,959 Speaker 3: should cap unemployment benefits at whatever they were making the 183 00:11:09,040 --> 00:11:12,320 Speaker 3: day before they lost their job. Now, on the other side, 184 00:11:12,400 --> 00:11:14,960 Speaker 3: Dick Durbin, Democrat from Illinois, stood up and argued on 185 00:11:14,960 --> 00:11:18,640 Speaker 3: the other side, and actually, if you go google and 186 00:11:18,679 --> 00:11:22,959 Speaker 3: listen to this debate, it captures much of the difference 187 00:11:23,000 --> 00:11:27,480 Speaker 3: between Democrats and Republicans because Dick Durbin made it a 188 00:11:27,520 --> 00:11:30,720 Speaker 3: morality plate. He stood up and said, see, see that's 189 00:11:30,760 --> 00:11:35,280 Speaker 3: the problem. What Ted is saying is if you lost 190 00:11:35,320 --> 00:11:39,760 Speaker 3: your job due to the COVID pandemic, you're a lazy bum. 191 00:11:39,800 --> 00:11:43,080 Speaker 3: You just want to sit on your couch. You're just 192 00:11:43,320 --> 00:11:44,079 Speaker 3: a reprobate. 193 00:11:45,080 --> 00:11:46,079 Speaker 1: And I actually got up. 194 00:11:46,040 --> 00:11:48,360 Speaker 3: In response and I said, well, no, no, no, that 195 00:11:48,480 --> 00:11:51,760 Speaker 3: is not what I'm saying. What I'm saying is I 196 00:11:51,800 --> 00:11:55,760 Speaker 3: believe in incentives. I think people respond to incentives, and 197 00:11:55,800 --> 00:11:59,280 Speaker 3: I want good incentives and not bad incentives. And I said, 198 00:11:59,320 --> 00:12:02,160 Speaker 3: for example, if you're a single mom, you've got a 199 00:12:02,160 --> 00:12:05,960 Speaker 3: couple of kids, and the government steps in and says 200 00:12:06,960 --> 00:12:10,520 Speaker 3: we will pay you twice as much not to work 201 00:12:11,520 --> 00:12:16,640 Speaker 3: as you can make working. I believe you love your kids. 202 00:12:16,960 --> 00:12:19,719 Speaker 3: I believe you're going to make the decisions you think 203 00:12:19,760 --> 00:12:21,520 Speaker 3: are best for your kids. And so if the government 204 00:12:21,559 --> 00:12:24,439 Speaker 3: pays you twice as much not to work as to work, 205 00:12:24,640 --> 00:12:27,520 Speaker 3: you're going to stay home. But the problem is that's 206 00:12:27,640 --> 00:12:30,280 Speaker 3: really bad for you, that's really bad for your kids, 207 00:12:30,520 --> 00:12:32,520 Speaker 3: and that's really bad for the country, as millions and 208 00:12:32,559 --> 00:12:35,679 Speaker 3: millions of people do that. We voted on the Senate 209 00:12:35,720 --> 00:12:38,120 Speaker 3: floor and Benett was a straight party line vote. The 210 00:12:38,200 --> 00:12:41,440 Speaker 3: d's all lined up behind Durban, the rs all lined 211 00:12:41,520 --> 00:12:45,000 Speaker 3: up behind me, and so it failed. And during COVID, 212 00:12:45,040 --> 00:12:50,160 Speaker 3: the federal government paid people in many instances double or 213 00:12:50,200 --> 00:12:54,280 Speaker 3: even triple what they made in their jobs not to work. 214 00:12:54,320 --> 00:12:56,199 Speaker 3: And I got to tell you, as I talk to 215 00:12:56,240 --> 00:12:58,920 Speaker 3: business owners in Texas and I do so every week 216 00:13:00,120 --> 00:13:02,600 Speaker 3: and over again, they raised the problem that they can't 217 00:13:02,679 --> 00:13:06,600 Speaker 3: find qualified workers because the government has been paying people 218 00:13:06,679 --> 00:13:10,200 Speaker 3: not to work for so long. Here's a radical concept. 219 00:13:10,920 --> 00:13:14,800 Speaker 3: If you pay people not to work, they don't work. Yes, 220 00:13:14,880 --> 00:13:17,760 Speaker 3: the same principle here is true if you penalize people 221 00:13:18,240 --> 00:13:21,920 Speaker 3: for being fiscally responsible, for having the discipline to build 222 00:13:21,960 --> 00:13:25,320 Speaker 3: a good credit score, for saving to have a down payment, 223 00:13:25,400 --> 00:13:28,360 Speaker 3: all of which, look, with our kids, we'd advise them 224 00:13:28,360 --> 00:13:31,800 Speaker 3: to do that. That's fiscally prudent. If you penalize them 225 00:13:31,960 --> 00:13:34,760 Speaker 3: for doing that. On the other hand, if you reward 226 00:13:34,840 --> 00:13:39,880 Speaker 3: them and subsidize them for being fiscally irresponsible, you know what, 227 00:13:39,920 --> 00:13:42,240 Speaker 3: you get more of the bad stuff and less of 228 00:13:42,280 --> 00:13:42,920 Speaker 3: the good stuff. 229 00:13:43,760 --> 00:13:46,160 Speaker 2: Last question on this, and it goes back to something 230 00:13:46,160 --> 00:13:49,840 Speaker 2: we talked about on the podcast a couple episodes ago, 231 00:13:49,920 --> 00:13:55,640 Speaker 2: and it was the shocking lack of oversight with what 232 00:13:55,880 --> 00:13:59,120 Speaker 2: happened with Silicon Valley Bank and the fact that this 233 00:13:59,320 --> 00:14:01,480 Speaker 2: new rules were made out of thin air to protect 234 00:14:01,559 --> 00:14:06,199 Speaker 2: large depositors at these banks. If you now do this 235 00:14:06,320 --> 00:14:10,679 Speaker 2: with mortgages, is this not going to squeeze out community 236 00:14:10,679 --> 00:14:14,200 Speaker 2: banks and smaller banks with these types of risk that 237 00:14:14,200 --> 00:14:17,720 Speaker 2: you're asking them to take, Because what you're saying is, hey, 238 00:14:18,000 --> 00:14:21,880 Speaker 2: we're basically telling you you've got to start taking risky 239 00:14:21,920 --> 00:14:23,920 Speaker 2: loans again, which is exactly what happened to oh eight. 240 00:14:24,320 --> 00:14:28,120 Speaker 2: They're going to be subsidized by lessless risky loans with 241 00:14:28,240 --> 00:14:32,280 Speaker 2: higher credit scores. That is a lot for a smaller 242 00:14:32,360 --> 00:14:35,400 Speaker 2: bank and community banks to take on. What's the government's 243 00:14:35,400 --> 00:14:36,520 Speaker 2: response going to be to that? 244 00:14:37,280 --> 00:14:40,760 Speaker 3: Well, that problem is less acute than you might think 245 00:14:40,960 --> 00:14:44,240 Speaker 3: because the way home mortgages tend to work is that 246 00:14:44,280 --> 00:14:47,240 Speaker 3: a community bank, a local savings and loan will issue 247 00:14:47,320 --> 00:14:50,720 Speaker 3: us a home mortgage and they promptly will turn around 248 00:14:50,720 --> 00:14:53,880 Speaker 3: and sell it on the second derry market. And so 249 00:14:54,120 --> 00:14:56,720 Speaker 3: for most of these local banks, they don't keep the 250 00:14:56,760 --> 00:15:00,000 Speaker 3: mortgages on their books. They sell them fairly quickly. Now, 251 00:14:59,760 --> 00:15:02,600 Speaker 3: what happened in two thousand and eight is they would 252 00:15:02,640 --> 00:15:06,560 Speaker 3: sell those home mortgages and then Wall Street banks would 253 00:15:06,680 --> 00:15:09,840 Speaker 3: package up the mortgages they would slice them up into 254 00:15:09,880 --> 00:15:14,360 Speaker 3: derivative products, and so there was trillions of dollars invested 255 00:15:14,360 --> 00:15:16,640 Speaker 3: in the home mortgage market, and they created all of 256 00:15:16,680 --> 00:15:22,520 Speaker 3: these esoteric financial products that were based on mortgages in 257 00:15:22,560 --> 00:15:26,120 Speaker 3: the secondary market. And it was based on this really 258 00:15:26,200 --> 00:15:28,960 Speaker 3: naive assumption that number one, nobody's going to default on 259 00:15:29,000 --> 00:15:32,360 Speaker 3: their mortgage, and number two that home values will always 260 00:15:32,400 --> 00:15:33,960 Speaker 3: go up and up and up. It was basically a 261 00:15:33,960 --> 00:15:38,520 Speaker 3: Ponzi scheme. It worked as long as your home value 262 00:15:38,640 --> 00:15:40,480 Speaker 3: was more this year than last year and was going 263 00:15:40,520 --> 00:15:44,480 Speaker 3: to be even more next year than the year before. Suddenly, 264 00:15:44,800 --> 00:15:49,840 Speaker 3: when home values hit a pause, or in many markets, 265 00:15:49,840 --> 00:15:53,680 Speaker 3: when home values went down, people began walking away from 266 00:15:53,680 --> 00:15:56,160 Speaker 3: their mortgages. People were underwater on their mortgage, they owed 267 00:15:56,200 --> 00:15:58,680 Speaker 3: more on the house than it was worth, and they left. 268 00:15:59,800 --> 00:16:06,000 Speaker 3: That produced a cascading cycle of defaults, which in turn 269 00:16:07,040 --> 00:16:13,960 Speaker 3: destroyed major banks on Wall Street because by creating these 270 00:16:14,600 --> 00:16:18,520 Speaker 3: credit derivatives, they amplified the. 271 00:16:18,560 --> 00:16:21,040 Speaker 1: Risk to an enormous extent. And so. 272 00:16:22,480 --> 00:16:27,320 Speaker 3: Doing this imposes systemic risk on the financial system and 273 00:16:27,360 --> 00:16:30,880 Speaker 3: on the banking system, But it is less the dynamic 274 00:16:31,040 --> 00:16:34,280 Speaker 3: of the local community banks being subject to it, and 275 00:16:34,360 --> 00:16:39,120 Speaker 3: more the overall financial system. But look, if you're a socialist, 276 00:16:39,160 --> 00:16:42,440 Speaker 3: if you're Elizabeth Warren, you don't care because if there's 277 00:16:42,480 --> 00:16:46,600 Speaker 3: another financial wipeout, the federal government will step in and 278 00:16:46,640 --> 00:16:49,320 Speaker 3: print a few trillion dollars and just bail everyone out again. 279 00:16:51,440 --> 00:16:55,800 Speaker 3: Socialists believe that there's no limit to how much money 280 00:16:55,800 --> 00:16:59,360 Speaker 3: you print and that the government can always bail people out. 281 00:16:59,400 --> 00:17:03,320 Speaker 3: And it's amazing. This policy. I got admit, this policy 282 00:17:03,560 --> 00:17:07,480 Speaker 3: pisses me off. And it pisses me off, not only 283 00:17:07,560 --> 00:17:10,000 Speaker 3: because they're repeating the mistakes of the past. That they 284 00:17:10,040 --> 00:17:14,040 Speaker 3: are encouraging people to take out mortgages they cannot afford, 285 00:17:14,880 --> 00:17:18,440 Speaker 3: which puts them much more likely in a position to default. 286 00:17:19,160 --> 00:17:22,520 Speaker 3: But the flip side, the idea that you're punishing people 287 00:17:22,880 --> 00:17:27,080 Speaker 3: for doing the right thing and being responsible. It's asinine 288 00:17:27,440 --> 00:17:32,000 Speaker 3: and I challenge Look, this podcast. We have lots of 289 00:17:32,000 --> 00:17:33,680 Speaker 3: people who listen to it. We have lots of young 290 00:17:33,680 --> 00:17:36,480 Speaker 3: people who listen to it. I want to encourage everyone 291 00:17:36,560 --> 00:17:38,720 Speaker 3: who's in high school, everyone who's in college. We have 292 00:17:38,760 --> 00:17:41,040 Speaker 3: a lot of high school and college kids that listen 293 00:17:41,040 --> 00:17:41,800 Speaker 3: to this podcast. 294 00:17:43,160 --> 00:17:45,720 Speaker 1: Raise it with your classmates. You think this is a 295 00:17:45,760 --> 00:17:46,160 Speaker 1: good idea. 296 00:17:46,200 --> 00:17:48,080 Speaker 3: If you're a teacher, if you're a high school teacher, 297 00:17:48,080 --> 00:17:50,240 Speaker 3: if you're a junior high teacher, if you're a college professor, 298 00:17:51,080 --> 00:17:52,120 Speaker 3: raise it with your students. 299 00:17:52,160 --> 00:17:52,879 Speaker 1: What do you think? 300 00:17:52,920 --> 00:17:57,399 Speaker 3: What do you think PERSONA paid their bills on time, 301 00:17:57,600 --> 00:18:00,800 Speaker 3: was really responsible, build up a good credit score, saved money, 302 00:18:00,800 --> 00:18:04,879 Speaker 3: how to down payment. The Biden administration is going to 303 00:18:04,920 --> 00:18:09,359 Speaker 3: charge that person much more for their mortgage then person B, 304 00:18:09,480 --> 00:18:12,200 Speaker 3: who went out and partied like crazy, never saved any money, 305 00:18:13,320 --> 00:18:16,040 Speaker 3: failed to pay their bills, failed to pay their credit cards, 306 00:18:16,040 --> 00:18:18,840 Speaker 3: defaulted on their mortgage, defaulted on their rent. They get 307 00:18:18,880 --> 00:18:21,639 Speaker 3: a much cheaper mortgage than the person who was responsible. 308 00:18:21,680 --> 00:18:25,639 Speaker 3: And look, I don't know how you defend this in 309 00:18:25,760 --> 00:18:29,480 Speaker 3: any group of ordinary people. It is asinine and it 310 00:18:29,640 --> 00:18:32,040 Speaker 3: shows this is what socialism is. 311 00:18:33,480 --> 00:18:35,840 Speaker 2: Senator, I also want to get to something else. Jennifer 312 00:18:35,840 --> 00:18:40,280 Speaker 2: Granholms says that she supports now and this goes back 313 00:18:40,280 --> 00:18:43,119 Speaker 2: to indoctrination. It's very much like the loans we were 314 00:18:43,119 --> 00:18:46,439 Speaker 2: just talking about. But this is now about requiring the 315 00:18:46,560 --> 00:18:52,680 Speaker 2: US military to adopt an all electric vehicle fleet by 316 00:18:52,880 --> 00:18:55,760 Speaker 2: twenty thirty. Before I do that, though, let me tell 317 00:18:55,800 --> 00:18:58,080 Speaker 2: you about our friends over to got some precious metals. 318 00:18:58,119 --> 00:19:00,400 Speaker 2: How would you like to get your hands on a 319 00:19:00,480 --> 00:19:05,440 Speaker 2: free pure gold coin, you can just learning about how 320 00:19:05,480 --> 00:19:08,760 Speaker 2: a gold ira can protect you. That's right, my friend's 321 00:19:08,760 --> 00:19:11,000 Speaker 2: Augusta Precious Metals who want to sit down with you. 322 00:19:11,040 --> 00:19:13,719 Speaker 2: Want to talk to you about how a gold ira 323 00:19:13,920 --> 00:19:17,160 Speaker 2: can help you. Protect your hard earned dollars, protect your assets, 324 00:19:17,240 --> 00:19:21,400 Speaker 2: protect your wealth. If you've been stressing out over the economy, inflation, 325 00:19:21,560 --> 00:19:24,280 Speaker 2: the bank failures, this is the time that you should 326 00:19:24,320 --> 00:19:26,760 Speaker 2: sit down and talk about what gold and silver can 327 00:19:26,840 --> 00:19:29,600 Speaker 2: do for you. They help you set up that gold 328 00:19:29,640 --> 00:19:32,679 Speaker 2: dira to protect your retirement savings because you know that 329 00:19:32,760 --> 00:19:36,119 Speaker 2: it is very hard to make up losses, especially at 330 00:19:36,119 --> 00:19:39,000 Speaker 2: the end when you're in retirement. And get this, if 331 00:19:39,080 --> 00:19:42,040 Speaker 2: you have one hundred thousand dollars plus save for retirement, 332 00:19:42,160 --> 00:19:45,439 Speaker 2: a gust will actually pay you in pure gold to 333 00:19:45,560 --> 00:19:48,399 Speaker 2: learn how a gold ira can protect you. That's a 334 00:19:48,400 --> 00:19:51,840 Speaker 2: big deal. A pure gold coin for free. Reach out 335 00:19:51,880 --> 00:19:54,080 Speaker 2: to a Gusta Precious Metals to day and get started 336 00:19:54,119 --> 00:19:56,800 Speaker 2: with gold. Don't let the bank failures get you down. 337 00:19:56,960 --> 00:19:59,680 Speaker 2: Get this free gold and get some peace of mind. 338 00:20:00,200 --> 00:20:05,159 Speaker 2: Eight seven seven four goldr to learn how to protect 339 00:20:05,160 --> 00:20:07,760 Speaker 2: your retirement and get your free gold coin that's a gusta. 340 00:20:07,800 --> 00:20:11,760 Speaker 2: Precious Metals dot Com call them eight seven seven the 341 00:20:11,880 --> 00:20:18,240 Speaker 2: number four goldra Senater. You listen to, Segretary Grandholm. You 342 00:20:18,800 --> 00:20:22,480 Speaker 2: and I played this earlier, and it's mind blowing the 343 00:20:22,560 --> 00:20:25,480 Speaker 2: idea that our US military would be forced to adopt 344 00:20:25,480 --> 00:20:29,920 Speaker 2: a woke green energy policy on an all electric vehicle 345 00:20:30,000 --> 00:20:33,040 Speaker 2: fleet by twenty thirty. But that's exactly what she has 346 00:20:33,080 --> 00:20:37,080 Speaker 2: now called for before Congress. Here it is sport the 347 00:20:37,119 --> 00:20:41,000 Speaker 2: military adopting that EV fleet by twenty thirty. 348 00:20:41,200 --> 00:20:43,200 Speaker 4: I do, and I think we can get there as well. 349 00:20:43,280 --> 00:20:45,960 Speaker 4: And I do think that reducing our reliance on the 350 00:20:46,040 --> 00:20:49,760 Speaker 4: volatility of globally traded fossil fuels, where we know that 351 00:20:49,800 --> 00:20:52,680 Speaker 4: global events such as the war in Ukraine can jack 352 00:20:52,800 --> 00:20:56,760 Speaker 4: up prices for people back home, it does not contribute 353 00:20:56,800 --> 00:21:00,760 Speaker 4: to energy security. I think energy security is achieved when 354 00:21:00,760 --> 00:21:04,679 Speaker 4: we have homegrown clean energy. It is abundant, like you 355 00:21:04,720 --> 00:21:07,399 Speaker 4: see in Iowa. We think that we can be a 356 00:21:07,480 --> 00:21:10,679 Speaker 4: leader globally in how we have become energy independent. 357 00:21:11,320 --> 00:21:13,960 Speaker 2: All right, I'm going to ask you some questions Center 358 00:21:14,040 --> 00:21:16,280 Speaker 2: that I know the answers to, but many people listening 359 00:21:16,320 --> 00:21:19,320 Speaker 2: are going to want answers to these same questions that 360 00:21:19,440 --> 00:21:22,720 Speaker 2: I had to figure it out, all right. Number One, 361 00:21:22,800 --> 00:21:26,440 Speaker 2: if we're going to war let's say in the Middle East, 362 00:21:26,680 --> 00:21:30,520 Speaker 2: let's say Afghanistan, and we show up with a bunch 363 00:21:30,560 --> 00:21:35,160 Speaker 2: of electric vehicles, where are we going to charge those vehicles? 364 00:21:35,480 --> 00:21:37,800 Speaker 2: And how much of a risk could this be to 365 00:21:38,080 --> 00:21:41,439 Speaker 2: our military readiness around the world? Or is this just 366 00:21:41,480 --> 00:21:44,359 Speaker 2: only a Kumbaya story in America alone? And then if 367 00:21:44,359 --> 00:21:46,240 Speaker 2: we actually have to go out in front of war, 368 00:21:46,320 --> 00:21:47,639 Speaker 2: we'll go back to gas cars. 369 00:21:48,320 --> 00:21:52,119 Speaker 3: So listen, we're not And this is an example of 370 00:21:52,200 --> 00:21:56,840 Speaker 3: how the modern left. These are not serious people. These 371 00:21:56,880 --> 00:21:59,240 Speaker 3: are not people who are rational, These are not people 372 00:21:59,320 --> 00:22:03,960 Speaker 3: who live on planet Earth. What Jennifer granholmen. She is 373 00:22:04,000 --> 00:22:06,919 Speaker 3: the US Secretary of Energy. She's supposed to know something 374 00:22:06,920 --> 00:22:10,040 Speaker 3: about this. She's not just supposed to be gosh, I 375 00:22:10,080 --> 00:22:12,800 Speaker 3: think we'll all be on windmills. She's actually supposed to 376 00:22:12,840 --> 00:22:18,879 Speaker 3: have substantive knowledge about this. What she just said is 377 00:22:19,080 --> 00:22:25,959 Speaker 3: so idiotic an asinine that it really defies that defies words. Okay, 378 00:22:26,000 --> 00:22:29,639 Speaker 3: twenty thirty today is twenty twenty three. That would be 379 00:22:29,680 --> 00:22:33,720 Speaker 3: seven years from now twenty thirty. She wants the entire 380 00:22:34,320 --> 00:22:37,760 Speaker 3: military fleet electric, so let's figure out how that works. 381 00:22:37,840 --> 00:22:42,160 Speaker 3: Let's say we're in a shooting war in say Ukraine, 382 00:22:42,320 --> 00:22:46,600 Speaker 3: and our tanks are all electric. What the hell do 383 00:22:46,640 --> 00:22:49,199 Speaker 3: you do when they run out of a charge? Do 384 00:22:49,280 --> 00:22:52,520 Speaker 3: you ask putin, Hey, Vladimir, would you mind setting up 385 00:22:52,600 --> 00:22:56,639 Speaker 3: charging stations every hundred miles because we'd like to have 386 00:22:56,680 --> 00:22:59,520 Speaker 3: a bunch of tanks in theater. And if they run 387 00:22:59,560 --> 00:23:03,639 Speaker 3: out of charge yards, we're screwed. Or maybe China may 388 00:23:04,040 --> 00:23:09,000 Speaker 3: maybe she and China if we're in a battle dealing 389 00:23:09,080 --> 00:23:12,439 Speaker 3: with China and we've got, I guess, our ships that 390 00:23:12,480 --> 00:23:16,200 Speaker 3: are all electric. We've got our helicopters that are all electric. 391 00:23:16,240 --> 00:23:18,560 Speaker 3: We've got our F thirty fives that are all electric. 392 00:23:18,920 --> 00:23:21,359 Speaker 3: Mind you, how the hell that is that going to be? 393 00:23:21,400 --> 00:23:23,000 Speaker 3: She wants our entire fleet electric? 394 00:23:23,080 --> 00:23:23,399 Speaker 1: Listen. 395 00:23:23,480 --> 00:23:26,800 Speaker 3: I've been to the F thirty five plant plant in 396 00:23:27,160 --> 00:23:28,120 Speaker 3: Fort Worth, Texas. 397 00:23:28,680 --> 00:23:30,120 Speaker 1: The plant is a mile long. 398 00:23:30,200 --> 00:23:34,080 Speaker 3: It's spectacular watch how they assemble F thirty fives. Apparently 399 00:23:34,119 --> 00:23:36,800 Speaker 3: the Biden administration believes those will be all electric. That 400 00:23:36,880 --> 00:23:39,560 Speaker 3: you'll land your F thirty five at a Walmart and 401 00:23:39,600 --> 00:23:45,640 Speaker 3: just plug into the outlet there like this is not even. 402 00:23:48,680 --> 00:23:50,520 Speaker 2: Is it fair to say it's not even it's not 403 00:23:50,680 --> 00:23:54,000 Speaker 2: remotely doable or logistic. I mean, how many charging stations 404 00:23:54,000 --> 00:23:54,800 Speaker 2: are there in Iraq? 405 00:23:55,400 --> 00:23:59,240 Speaker 3: Are in after No person who's serious believes this is 406 00:23:59,320 --> 00:24:00,840 Speaker 3: anything other than stupidity. 407 00:24:01,240 --> 00:24:03,600 Speaker 2: Yeah, this is this is this is the kid, This 408 00:24:03,680 --> 00:24:06,600 Speaker 2: is the Easter Bunny Santa Claus, except they're trying to 409 00:24:06,720 --> 00:24:09,000 Speaker 2: use that and put it with the US military adopting 410 00:24:09,000 --> 00:24:09,880 Speaker 2: an all electric vehicle. 411 00:24:09,960 --> 00:24:12,640 Speaker 3: It's actually a good example. Yeah, the Easter Buddy will 412 00:24:12,720 --> 00:24:17,200 Speaker 3: just go smite our enemies. Like there's no technological path 413 00:24:17,280 --> 00:24:20,760 Speaker 3: for this. This makes no sense. But this is the 414 00:24:20,760 --> 00:24:23,520 Speaker 3: modern left. When you ask the modern left, the people 415 00:24:23,520 --> 00:24:26,080 Speaker 3: who likes the Green New Deal that they want to 416 00:24:26,119 --> 00:24:28,719 Speaker 3: get rid of jet fuel. Okay, well, how are planes 417 00:24:28,760 --> 00:24:32,040 Speaker 3: gonna fly? I don't know. I guess you know, you 418 00:24:32,080 --> 00:24:35,280 Speaker 3: put a windmill on the front of the plane. Like, 419 00:24:35,800 --> 00:24:40,160 Speaker 3: and let's be clear, our servicemen and women are depending 420 00:24:40,280 --> 00:24:45,040 Speaker 3: upon our equipment to keep them safe. Let's say you're 421 00:24:45,040 --> 00:24:49,720 Speaker 3: a tank commander. These morons want you to drive an 422 00:24:49,720 --> 00:24:54,600 Speaker 3: electric tank. What do you do when you're headed through Iraq, 423 00:24:54,640 --> 00:24:57,399 Speaker 3: when you're headed through Afghanistan, when you're headed through Ukraine, 424 00:24:57,400 --> 00:25:01,000 Speaker 3: when you're headed through Taiwan. In your tank and you 425 00:25:01,080 --> 00:25:04,560 Speaker 3: run out of charge, like, look, we won World War One, 426 00:25:04,600 --> 00:25:06,920 Speaker 3: We won World War iiO using diesel. 427 00:25:07,080 --> 00:25:12,800 Speaker 2: And imagine, imagine Afghanistan. You had these quick actions response teams. 428 00:25:13,080 --> 00:25:15,640 Speaker 2: Can you imagine if a quick action response team gets 429 00:25:15,640 --> 00:25:18,360 Speaker 2: a call to go out and either get an asset 430 00:25:18,680 --> 00:25:21,000 Speaker 2: to grab a guy like Khalid shik Muhammad, for example, 431 00:25:21,040 --> 00:25:23,320 Speaker 2: the NA Master nine to eleven, They're like, well, hold on, 432 00:25:23,359 --> 00:25:26,040 Speaker 2: we're to thirty three percent charge on our humbies. We're 433 00:25:26,040 --> 00:25:27,960 Speaker 2: gonna have to wait another two hours for this thing 434 00:25:28,000 --> 00:25:28,600 Speaker 2: to charge. 435 00:25:29,520 --> 00:25:32,159 Speaker 3: And it's one of the things actually that I found 436 00:25:32,240 --> 00:25:34,600 Speaker 3: very interesting. So I've been in the Senate now eleven years. 437 00:25:35,160 --> 00:25:37,960 Speaker 3: I spent six years of the Senate Armed Services Committee. 438 00:25:39,160 --> 00:25:43,399 Speaker 3: One of the massive advantages of the American military compared 439 00:25:43,440 --> 00:25:47,960 Speaker 3: to any other military on Earth is logistics. We are 440 00:25:48,240 --> 00:25:51,200 Speaker 3: really damn good at logistics. When you're fighting a war, 441 00:25:52,240 --> 00:25:59,679 Speaker 3: moving personnel, moving equipment, moving ammunition, moving fuel, getting it 442 00:25:59,800 --> 00:26:02,919 Speaker 3: for forward projected to be able to be engaged in 443 00:26:03,040 --> 00:26:06,080 Speaker 3: theater is really damn complicated. Why is it that the 444 00:26:06,160 --> 00:26:09,360 Speaker 3: Russians are getting their ass kicked right now in Ukraine? 445 00:26:10,359 --> 00:26:12,520 Speaker 3: Part of it is because the Russians are really bad 446 00:26:12,600 --> 00:26:15,720 Speaker 3: at this that they're sending their troops forward and they're 447 00:26:15,720 --> 00:26:19,280 Speaker 3: having trouble getting the equipment they're needing. They're having trouble 448 00:26:19,280 --> 00:26:21,879 Speaker 3: getting the fuel they need, They're having trouble getting the 449 00:26:21,920 --> 00:26:26,560 Speaker 3: ammunition they need. The US military is spectacularly good at this. 450 00:26:27,720 --> 00:26:31,040 Speaker 3: But if these are electric weapons, what are you going 451 00:26:31,119 --> 00:26:33,760 Speaker 3: to do. You're in the middle of Afghanistan, Go get 452 00:26:33,760 --> 00:26:40,840 Speaker 3: a five hundred mile long extension cord. It's idiotic. And look, 453 00:26:41,840 --> 00:26:47,080 Speaker 3: Jennifer grhand Home. You know, if she were just a 454 00:26:47,119 --> 00:26:51,520 Speaker 3: TV pundit saying, well, gosh, this sounds wonderful. Okay, that 455 00:26:51,600 --> 00:26:55,879 Speaker 3: would be silly, but it would not be consequential. She 456 00:26:56,119 --> 00:26:59,760 Speaker 3: actually has a position Joe Biden has given her that 457 00:26:59,880 --> 00:27:05,240 Speaker 3: is very consequential. She is the United States Secretary of Energy, 458 00:27:05,840 --> 00:27:09,800 Speaker 3: and she believes in seven years the military, we'll just 459 00:27:09,880 --> 00:27:12,560 Speaker 3: plug everything in and be just fine to keep our 460 00:27:12,600 --> 00:27:16,320 Speaker 3: men and women safe. That doesn't make any sense. 461 00:27:16,480 --> 00:27:19,119 Speaker 2: No, it really doesn't. Finally, I want to talk about 462 00:27:19,119 --> 00:27:21,719 Speaker 2: saying that every parent needs to be paying attention to, 463 00:27:22,240 --> 00:27:26,639 Speaker 2: especially with the upcoming elections, and that is the Left 464 00:27:26,960 --> 00:27:32,000 Speaker 2: really coming after our kids. This happening in a Vermont 465 00:27:32,080 --> 00:27:36,720 Speaker 2: elementary school. Now they're calling boys and men slash quote 466 00:27:36,760 --> 00:27:43,639 Speaker 2: a person who produces sperm. This is what they're now 467 00:27:43,720 --> 00:27:49,199 Speaker 2: teaching your kids in elementary school. We also, at the 468 00:27:49,200 --> 00:27:53,680 Speaker 2: same time, Senator, have a project Veritas Undercover report that's 469 00:27:53,720 --> 00:27:55,920 Speaker 2: coming out, or that it's come out, I should say, 470 00:27:56,400 --> 00:28:02,480 Speaker 2: revealing how the medical industry looks at transition surgeries one 471 00:28:02,560 --> 00:28:07,040 Speaker 2: hundred percent from a profit perspective. There was a doctor 472 00:28:07,400 --> 00:28:10,640 Speaker 2: and a family medical medicine specialist at Saint Mark's inst 473 00:28:11,359 --> 00:28:14,080 Speaker 2: for Mental Health in New York that was caught on 474 00:28:14,160 --> 00:28:17,239 Speaker 2: camera saying we've got kids coming all the time deal 475 00:28:17,320 --> 00:28:20,000 Speaker 2: with mental health issues, and instead of treating their mental health, 476 00:28:20,040 --> 00:28:23,440 Speaker 2: what we're doing is we're telling them they should just transition, 477 00:28:23,680 --> 00:28:26,600 Speaker 2: and then we're making money off of people with mental 478 00:28:26,600 --> 00:28:31,400 Speaker 2: health issues. It is disgusting to see this happening in 479 00:28:31,440 --> 00:28:34,680 Speaker 2: this country, and you're trying to help stop some of this. 480 00:28:35,600 --> 00:28:36,840 Speaker 1: Well, that's exactly right. 481 00:28:36,920 --> 00:28:39,520 Speaker 3: You know, there's a thread bend between the three stories 482 00:28:39,520 --> 00:28:45,920 Speaker 3: we're discussing. All three of them are asinine leftists. You 483 00:28:46,000 --> 00:28:49,720 Speaker 3: look at woke school districts. So there's a district in Vermont, 484 00:28:50,560 --> 00:28:55,640 Speaker 3: the Essex Westford School District. On April twentieth, they set 485 00:28:55,680 --> 00:29:00,240 Speaker 3: out a letter, Dear fifth grade families and caregivers. So 486 00:29:00,320 --> 00:29:04,800 Speaker 3: this is the fifth graders, this is elementary school. And 487 00:29:04,880 --> 00:29:07,760 Speaker 3: the letter says, among other things, in an effort to 488 00:29:07,840 --> 00:29:11,880 Speaker 3: align our curriculum with our equity policy, teachers will be 489 00:29:11,960 --> 00:29:16,640 Speaker 3: using gender inclusive language throughout this unit with any differences. 490 00:29:16,720 --> 00:29:21,520 Speaker 3: We strive to use person first language as best practice. 491 00:29:21,720 --> 00:29:25,040 Speaker 3: You will see examples of this below. We will be 492 00:29:25,160 --> 00:29:30,680 Speaker 3: using the following language with students. Person who produces sperm 493 00:29:31,840 --> 00:29:37,840 Speaker 3: in place of boy male and assigned male at birth, 494 00:29:39,560 --> 00:29:46,040 Speaker 3: and person who produces eggs in place of girl female 495 00:29:46,320 --> 00:29:50,080 Speaker 3: and assigned female at birth. So, among other things, understand 496 00:29:50,160 --> 00:29:53,160 Speaker 3: like the ridiculous phrasing that leftists had adopted, like twelve 497 00:29:53,200 --> 00:29:56,560 Speaker 3: minutes ago of assigned male at birth and assigned female 498 00:29:56,560 --> 00:30:00,160 Speaker 3: at birth. That's no longer woken up, Like give it 499 00:30:00,240 --> 00:30:04,480 Speaker 3: a signed. Male doesn't exist. Female doesn't exist in these 500 00:30:04,880 --> 00:30:07,840 Speaker 3: bizarre worlds. 501 00:30:07,400 --> 00:30:07,960 Speaker 1: They live in. 502 00:30:08,160 --> 00:30:12,960 Speaker 3: Person who produces sperm, By the way, let me ask you. 503 00:30:12,960 --> 00:30:17,040 Speaker 3: You've got little boys, You've got boys who are pre puberty. 504 00:30:18,080 --> 00:30:21,320 Speaker 3: Boys who are pre puberty are not producing sperm? What 505 00:30:21,360 --> 00:30:22,040 Speaker 3: the hell are they? 506 00:30:22,040 --> 00:30:22,840 Speaker 1: In this language? 507 00:30:23,560 --> 00:30:26,360 Speaker 3: Like on that definition, you're not allowed to say boys. 508 00:30:26,400 --> 00:30:29,479 Speaker 3: So a three year old, a three year old's not 509 00:30:29,480 --> 00:30:35,280 Speaker 3: producing sperm. They haven't hit puberty and yet and by 510 00:30:35,320 --> 00:30:40,360 Speaker 3: the way, these are letters going to fifth graders, some 511 00:30:40,440 --> 00:30:42,360 Speaker 3: of whom will have hit puberty, some of whom will 512 00:30:42,400 --> 00:30:45,560 Speaker 3: have not a person who produces eggs. 513 00:30:45,840 --> 00:30:46,120 Speaker 1: It is. 514 00:30:48,080 --> 00:30:52,600 Speaker 3: So extreme and idiotic, and this these are the people 515 00:30:52,680 --> 00:30:56,280 Speaker 3: in charge of educating our little kids. 516 00:30:58,520 --> 00:31:01,280 Speaker 2: Yeah, you and doctor named to this stuff. And then 517 00:31:01,280 --> 00:31:03,560 Speaker 2: the scary part is if you can move them to that, 518 00:31:03,800 --> 00:31:06,000 Speaker 2: and then you can convince them that it's normal to 519 00:31:06,440 --> 00:31:09,360 Speaker 2: want to change your sex. There is massive money to 520 00:31:09,440 --> 00:31:12,200 Speaker 2: be made. We saw this and those tapes that came 521 00:31:12,200 --> 00:31:15,640 Speaker 2: out from Vanderbilt University where they were talking about the 522 00:31:15,680 --> 00:31:18,120 Speaker 2: biggest perk of having a kid go through transitioning and 523 00:31:18,160 --> 00:31:21,320 Speaker 2: hormones and everything else is that you get a lifetime 524 00:31:21,400 --> 00:31:25,160 Speaker 2: patient worth hundreds of thousands and then into the millions 525 00:31:25,160 --> 00:31:28,480 Speaker 2: of dollars. You now look at this project Veritas video, 526 00:31:28,480 --> 00:31:30,680 Speaker 2: and I want to play part of this because I 527 00:31:30,680 --> 00:31:33,880 Speaker 2: think it's really important for people to hear just how sick, 528 00:31:34,280 --> 00:31:36,520 Speaker 2: it's not even cynical, just how sick these people are. 529 00:31:36,960 --> 00:31:40,040 Speaker 2: Knowing you're taking advantage of people with mental health issues 530 00:31:40,400 --> 00:31:45,960 Speaker 2: and using them to line their pockets with massive amounts 531 00:31:46,680 --> 00:31:50,120 Speaker 2: of medical bill dollars that are coming into them, and 532 00:31:50,160 --> 00:31:54,240 Speaker 2: they know they have that patient their words forever. Before 533 00:31:54,280 --> 00:31:55,720 Speaker 2: I play that, I want to tell you real quick 534 00:31:55,720 --> 00:31:58,360 Speaker 2: about our good friends at Patriot Mobile. If you're a 535 00:31:58,440 --> 00:32:01,280 Speaker 2: conservative and you're sick, I'm tired of giving your money 536 00:32:01,280 --> 00:32:04,120 Speaker 2: to companies that go against your value, So don't align 537 00:32:04,160 --> 00:32:06,920 Speaker 2: with your value. Aligned with your values, then you need 538 00:32:06,960 --> 00:32:11,200 Speaker 2: to check out Patriot Mobile. For years, big mobile companies 539 00:32:11,240 --> 00:32:15,880 Speaker 2: have been dumping millions into leftist causes, and we just 540 00:32:15,960 --> 00:32:18,240 Speaker 2: had to deal with it because you need a cell phone, 541 00:32:18,280 --> 00:32:23,280 Speaker 2: not anymore. 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All you got to do is go 552 00:32:58,040 --> 00:33:02,720 Speaker 2: to Patriot mobile dot com slash ferguson, Patriot mobile dot 553 00:33:02,760 --> 00:33:07,040 Speaker 2: com slash ferguson, or call them eight seven eight Patriot, 554 00:33:07,240 --> 00:33:10,640 Speaker 2: make that switch eight seven eight Patriot eight seven eight 555 00:33:10,640 --> 00:33:13,520 Speaker 2: Patriot get free activation today with the offer code ferguson, 556 00:33:13,840 --> 00:33:17,840 Speaker 2: and ask about their coverage guarantee while you're chatting with 557 00:33:17,880 --> 00:33:22,120 Speaker 2: them Patriot mobile dot com slash ferguson. Senator, I want 558 00:33:22,120 --> 00:33:26,920 Speaker 2: to play this audio again, undercover video Amazing from Project Veritas. 559 00:33:26,960 --> 00:33:30,720 Speaker 2: The voice you're gonna hear first is of doctor Matthew Pavis. 560 00:33:30,760 --> 00:33:35,400 Speaker 2: He is a family medicine specialist with Saint Mark's Institute 561 00:33:35,560 --> 00:33:38,920 Speaker 2: for Mental Health in New York, New York. Here's what 562 00:33:39,040 --> 00:33:40,680 Speaker 2: he had to say about a twenty one year old 563 00:33:40,680 --> 00:33:42,479 Speaker 2: that came to see them and how much money they 564 00:33:42,480 --> 00:33:53,360 Speaker 2: could make off of him on your own pretty well. 565 00:33:54,240 --> 00:34:00,960 Speaker 5: Their lying, it's almost like, yeah, beginning, it's a lot 566 00:34:01,000 --> 00:34:03,480 Speaker 5: of doctorvism, but you know, after a while you space 567 00:34:03,560 --> 00:34:06,440 Speaker 5: it out and it's like every six to twelve months, 568 00:34:07,760 --> 00:34:13,160 Speaker 5: which yeah, is being a patient, but it doesn't seem 569 00:34:13,239 --> 00:34:13,719 Speaker 5: so bad. 570 00:34:14,080 --> 00:34:19,000 Speaker 6: I was under the impression that I was going to 571 00:34:19,040 --> 00:34:22,759 Speaker 6: take a cure and be healed. And I didn't understand 572 00:34:22,920 --> 00:34:25,279 Speaker 6: as a mentally ill child that I was signing up 573 00:34:25,320 --> 00:34:26,840 Speaker 6: for lifelong medicalization. 574 00:34:28,000 --> 00:34:30,840 Speaker 2: That woman you just heard there, that man that transition 575 00:34:30,920 --> 00:34:34,040 Speaker 2: to woman is now an advocate, and you just heard 576 00:34:34,040 --> 00:34:37,240 Speaker 2: her what she said. I'm dealing with a mental health issue, 577 00:34:37,239 --> 00:34:39,280 Speaker 2: and I was told that if I went through the transition, 578 00:34:40,040 --> 00:34:43,640 Speaker 2: I would then be cured, and that didn't happen. Now 579 00:34:43,640 --> 00:34:46,279 Speaker 2: you're going to hear Nero scart Scott, who's a licensed 580 00:34:46,360 --> 00:34:50,440 Speaker 2: social worker with Adele Children's Medical Center in Austin, Texas. Listen, 581 00:34:51,800 --> 00:34:52,720 Speaker 2: I can say from. 582 00:34:52,600 --> 00:34:54,560 Speaker 3: Here as well as there's a lot of part folks 583 00:34:54,600 --> 00:34:57,040 Speaker 3: that are going to speculate. 584 00:34:56,680 --> 00:35:01,120 Speaker 4: Wealth for the amount of hossover between somewhere on the spectrum, 585 00:35:01,160 --> 00:35:06,680 Speaker 4: and I'm also somewhere on the qua spectron. 586 00:35:06,320 --> 00:35:09,239 Speaker 1: As well, person on the spectrum as well. 587 00:35:09,920 --> 00:35:12,440 Speaker 5: Twenty one years old, he was coming here or at 588 00:35:12,400 --> 00:35:15,480 Speaker 5: the time, well at the time he was coming different 589 00:35:15,480 --> 00:35:18,160 Speaker 5: from health and he is getting his vagina next week. 590 00:35:18,440 --> 00:35:23,319 Speaker 2: Well he is getting his vagina next week. Came here 591 00:35:23,360 --> 00:35:25,880 Speaker 2: for mental health and now we're going to give him, 592 00:35:26,440 --> 00:35:30,040 Speaker 2: in his words, a vagina. You heard them talking about 593 00:35:30,080 --> 00:35:33,279 Speaker 2: taking advantage of people on the spectrum and people that 594 00:35:33,360 --> 00:35:35,919 Speaker 2: are on the spectrum. This is an Austin saying, yeah, 595 00:35:36,080 --> 00:35:38,480 Speaker 2: these are great patients for us on the spectrum. In 596 00:35:38,480 --> 00:35:40,880 Speaker 2: other words, we can manipulate them and tell them to 597 00:35:40,920 --> 00:35:43,799 Speaker 2: go through a transition. We have a patient for life. 598 00:35:43,800 --> 00:35:46,360 Speaker 2: That was three different people you heard there, three different 599 00:35:46,400 --> 00:35:49,440 Speaker 2: areas of the country, all saying the same thing. You 600 00:35:49,480 --> 00:35:52,520 Speaker 2: want a patient for life. Don't worry about their mental health, 601 00:35:53,040 --> 00:35:56,680 Speaker 2: just get them into transgender, all this dysphoria stuff, and 602 00:35:56,719 --> 00:35:57,800 Speaker 2: will make money. 603 00:35:59,000 --> 00:36:04,240 Speaker 1: Look, this is utterly perverse. It is horrifying. It's big business. 604 00:36:04,280 --> 00:36:07,240 Speaker 3: You're right that that many of these hospitals are making 605 00:36:07,880 --> 00:36:12,600 Speaker 3: millions of dollars from this. Their enormous financial incentives. And 606 00:36:12,640 --> 00:36:17,200 Speaker 3: I got to say, as part of that project Veritas expose. 607 00:36:16,640 --> 00:36:18,120 Speaker 1: As they were. 608 00:36:19,719 --> 00:36:26,280 Speaker 3: Interviewing with Dell Children's Medical Center, Listen, Dell Children's Medical 609 00:36:26,280 --> 00:36:30,799 Speaker 3: Center is an amazing children's hospital in Austin, Texas. Heidi 610 00:36:30,840 --> 00:36:32,560 Speaker 3: and I used to live at Austin. I've been to 611 00:36:32,640 --> 00:36:35,319 Speaker 3: Dell Children's, our girls have been to Dell Children's that 612 00:36:35,440 --> 00:36:40,160 Speaker 3: it's a great facility. In the course of that project, 613 00:36:40,239 --> 00:36:47,200 Speaker 3: Veritas interview the individual at Dell Children's Center said they 614 00:36:47,320 --> 00:36:52,919 Speaker 3: will prescribe puberty blockers for children as young as eight 615 00:36:53,280 --> 00:37:00,360 Speaker 3: years old. Eight and so, just this week I joined 616 00:37:00,360 --> 00:37:02,920 Speaker 3: with Chip Roy, a member of the House Representatives, a 617 00:37:03,040 --> 00:37:05,840 Speaker 3: very good friend of mine who represents that area. The 618 00:37:05,920 --> 00:37:08,719 Speaker 3: two of us together set an oversight letter to Dell 619 00:37:08,800 --> 00:37:13,880 Speaker 3: Children's Hospital asking about this policy of giving puberty blockers 620 00:37:14,640 --> 00:37:18,080 Speaker 3: to children as young as eight years old, stopping them 621 00:37:18,400 --> 00:37:20,440 Speaker 3: from the onset of puberty. Now, I guess in the 622 00:37:20,520 --> 00:37:23,560 Speaker 3: Vermont public schools it would mean they never become boys 623 00:37:23,640 --> 00:37:26,239 Speaker 3: or they never become girls because you stop them from 624 00:37:26,280 --> 00:37:28,160 Speaker 3: producing sperm or producing eggs. 625 00:37:28,880 --> 00:37:31,120 Speaker 1: But it is. 626 00:37:33,040 --> 00:37:37,960 Speaker 3: Remarkable and that as young as eight they're willing to 627 00:37:39,400 --> 00:37:45,440 Speaker 3: give permanently harmful medical treatment, treatment that can sterilize kids, 628 00:37:45,440 --> 00:37:49,000 Speaker 3: that can permanently damage kids. And a few years later, 629 00:37:50,280 --> 00:37:55,920 Speaker 3: many places are willing to engage in surgical operations to 630 00:37:56,120 --> 00:38:04,400 Speaker 3: remove perfectly healthy organs, to castrate a child, to sterilize 631 00:38:04,440 --> 00:38:07,759 Speaker 3: a child. And I'm gonna say, as a categorical matter, 632 00:38:08,880 --> 00:38:11,719 Speaker 3: no child, no eight year old, no ten year old, 633 00:38:11,800 --> 00:38:16,240 Speaker 3: no twelve year old, has the maturity, has the self 634 00:38:16,280 --> 00:38:22,080 Speaker 3: awareness to make a decision to sterilize themselves for the 635 00:38:22,120 --> 00:38:25,759 Speaker 3: rest of their lives. And I think any parent who 636 00:38:25,800 --> 00:38:29,359 Speaker 3: does that, any doctor who does that, any hospital who 637 00:38:29,360 --> 00:38:33,360 Speaker 3: does that, is engaged in child abuse. If an adult 638 00:38:34,239 --> 00:38:37,839 Speaker 3: wants to sterilize himself for herself, that's a choice an 639 00:38:37,880 --> 00:38:41,760 Speaker 3: adult can make, But an eight year old child doesn't 640 00:38:41,800 --> 00:38:46,200 Speaker 3: have the capacity to make that judgment, an informed judgment. 641 00:38:46,680 --> 00:38:52,560 Speaker 3: And any adult that facilitates sterilizing that child, I think 642 00:38:52,680 --> 00:38:57,640 Speaker 3: is horrific. You have no right to sterilize a little boy, 643 00:38:57,719 --> 00:39:01,520 Speaker 3: sterilize a little girl, and if that child decides later 644 00:39:02,080 --> 00:39:04,880 Speaker 3: that he or she still wants to be he or she, 645 00:39:05,920 --> 00:39:09,919 Speaker 3: there ain't no going back. Once they've cut it off, 646 00:39:10,000 --> 00:39:17,120 Speaker 3: once they've engaged in the medical treatments, the puberty suppressors, 647 00:39:17,160 --> 00:39:21,560 Speaker 3: the surgical options, once that individual is sterilized. Once that 648 00:39:21,640 --> 00:39:25,120 Speaker 3: child is sterilized, he or she will never have children. 649 00:39:26,040 --> 00:39:31,040 Speaker 2: Is this ending up a Republican v Democrat issue? Or 650 00:39:31,120 --> 00:39:34,760 Speaker 2: are there Democrats that you've talked to that are willing 651 00:39:34,840 --> 00:39:36,880 Speaker 2: to see this for what this is, which is just 652 00:39:37,080 --> 00:39:40,560 Speaker 2: pure evil that needs to be stopped. It's being done 653 00:39:40,600 --> 00:39:43,320 Speaker 2: to these children. You can hear it. It's all about 654 00:39:43,400 --> 00:39:46,719 Speaker 2: the cash. It's all about the money. It's about taking 655 00:39:46,719 --> 00:39:49,560 Speaker 2: advantage of people on the spectrum, taking advantage of people 656 00:39:49,560 --> 00:39:54,800 Speaker 2: with mental health issues, and profiting from their mental health 657 00:39:54,920 --> 00:39:58,480 Speaker 2: issues that they need to actually get treatment for well man. 658 00:39:58,520 --> 00:40:01,800 Speaker 3: I think there's a distinction on that. There are lots 659 00:40:01,800 --> 00:40:06,400 Speaker 3: of Democrats in America who are horrified about this. Ordinary people. 660 00:40:06,440 --> 00:40:08,400 Speaker 3: If you're living a life, if you're an ordinary person, 661 00:40:08,680 --> 00:40:12,520 Speaker 3: if you happen to be a Democrat, you hear people 662 00:40:12,560 --> 00:40:15,840 Speaker 3: talking about sterilizing eight year olds, and an ordinary person, 663 00:40:15,840 --> 00:40:19,600 Speaker 3: it's horrified. That's the natural reaction to that. But here's 664 00:40:19,600 --> 00:40:24,120 Speaker 3: the sad thing. If there is a single elected Democrat 665 00:40:24,280 --> 00:40:28,520 Speaker 3: in Congress who is horrified by this, I don't know 666 00:40:28,560 --> 00:40:31,239 Speaker 3: who they are, and none of them are willing to 667 00:40:31,280 --> 00:40:35,319 Speaker 3: speak out. This is where congressional democrats, they've gone to 668 00:40:35,360 --> 00:40:39,960 Speaker 3: the extreme left. There used to be moderate Democrats in Washington. 669 00:40:40,000 --> 00:40:44,240 Speaker 3: There aren't anymore. And the dynamics, if you're an elected 670 00:40:44,280 --> 00:40:48,640 Speaker 3: Democrat in Congress, you are responsive to the extremes, to 671 00:40:48,680 --> 00:40:53,160 Speaker 3: the radical fringe. And so I literally cannot tell you 672 00:40:54,239 --> 00:40:58,399 Speaker 3: a single Democrat Senator, a single Democrat house member who 673 00:40:58,480 --> 00:41:04,279 Speaker 3: has hadess And by the way, maybe you do or 674 00:41:04,280 --> 00:41:07,400 Speaker 3: don't have gahonas. Maybe they are or not producing what 675 00:41:07,520 --> 00:41:11,040 Speaker 3: makes you male or female in this weird or welly 676 00:41:11,120 --> 00:41:14,680 Speaker 3: in world. But I don't know of a Democrat who's 677 00:41:14,719 --> 00:41:15,880 Speaker 3: dared speak out against this. 678 00:41:17,440 --> 00:41:20,520 Speaker 2: Yeah, it's truly a sad subject. And I hope more 679 00:41:20,560 --> 00:41:24,320 Speaker 2: Democrats will come out who are elector officials, and let's 680 00:41:24,320 --> 00:41:29,359 Speaker 2: start just one, yeah, and just put it together and 681 00:41:29,400 --> 00:41:32,520 Speaker 2: say this is not a republican democratic issue and should 682 00:41:32,560 --> 00:41:35,480 Speaker 2: never be looked at that way. Center always a pleasure, 683 00:41:35,600 --> 00:41:39,239 Speaker 2: don't forget. We do this show Monday, Wednesdays and Fridays. 684 00:41:39,920 --> 00:41:42,960 Speaker 2: If big news breaks, we'll even do another day in there. 685 00:41:43,080 --> 00:41:46,759 Speaker 2: Hit that subscribe or auto download button wherever you get 686 00:41:46,800 --> 00:41:49,200 Speaker 2: this podcast right us to five surreviews so we can 687 00:41:49,239 --> 00:41:51,880 Speaker 2: reach more people, and we'll see you back here in 688 00:41:51,920 --> 00:41:52,680 Speaker 2: a couple of days.