I knew it! How's it going everybody? Dottonoi here, we are back with some more Dragon Ball FighterZ right matches, this time playing a team of Cell, Goku, and Vegeta all in the holiday colors because the season of giving is finally upon us. Now it's not actually upon us yet, but the website that does my merch came to me was like, hey, do you want to do an ugly sweater design? We'll design it for you. And I said, uh, yeah, sure, if you want. And man, they came through. This design is ugly. I don't think that's an insult, but it sounds insulting. But if you've ever wanted a shirt with an orange ball and really wanted to win a t-shirt contest where the goal was to confuse as many people as possible, you can now buy this up on the store, the link will be down below. But with that said, let's go ahead and get it to the actual games and enjoy the season of giving festivities. Now, if you're wondering why I'm playing this exact team, well, it's just, uh, it's the only ones I knew I had the holiday colors for. And I know Cell was- Cell is definitely just red and green, so I thought it worked out. But hey, you know, if we're gonna, if we're gonna give anything, you know, I might as well give my opponent some rank points or a big old hug coming up. I don't know why that looks so goofy. Oh, I should have given him another hug, dude. It's the season of giving. I gotta give hugs out here. Hold on, come back. It's the holiday special, bro. It's the holiday special all the way in November. Mm, I'll take it again. Oh, why not? I'm bad. I'm so bad at the game. That was supposed to be a perfect attack. Back up. Oh. Hey! He went back to the- Ah!  Come here. Here, let me catch you under that mistletoe. Oh, that should have been a hug. That should have been a hug, dude. We should have- That was full-on contact hug right there. Oh, nice reflect, actually. That was sick. All right, I'll go over here. Boom, but I'm right there. What? My eyes must have seen that wrong. I do not know how I hit this man. That is fine with me, though. Get in the corner. Mix-ups?  I'm so happy I picked Cell. This is the perfect co- Look at this guy. I stand out like a sore thumb. Look at that neutral. My goodness. Oh, look at the drop combos. That was- That was sick. He did not expect- He was not expected to drag a rush. Come here. You think a barrier would work? Let's go. I'm gonna give him another one. I got the- I got the correct voice line. Canonically correct. We are actually moving. Oh, yeah. Goku's- Goku's holiday colors are pretty good, too. 2M? What, don't-on ray? That's fine. Oh, I got my protagonist 2M back. Max range, increased range on it. They should have never given that back to me. No, they should have. In fact, they should just- I actually still miss the OG. Oh, come on. This could be it. If I'm not bad at the game, this could be it. It's a shame. I'm terrible at the game, man. That was so close. I actually can't even believe the Keyblast connected on the bottom. We are dead. We are so dead. He didn't even have to do that, I think. I honestly think a level two would have cooked us. Limit break TN with sparking? Nah. Level two would have cooked us. Let me do a perfect attack real quick.  Hey, come on. You knew you knew I wasn't going to stop doing- Oh, my God. So, you didn't need the extra one. Yes, I think that was quite a good gift. Yeah. See, it really is the season of giving out here, dude. We got to do this again once the holidays actually roll around. Yeah. Aw, man. Dude, this is so wholesome. What? I did not expect this to be such a good holiday episode. If I knew this was going to be this good, I want to save this for the actual holiday. See, it says Dragon Ra- Aye. He tried to tech and I just- I messed up so bad that his tech got me killed. Wait.  All right, we'll take the- We'll take that. I mean, I can't ask for much more after what I was doing there. Roll down. Yep. Oh, he tried to low crush me. I tried to jump up and meet that with the El- Boom, elbow. Okay, never mind. I missed. We're dead.  The extension. Oh, my goodness. We don't need this. Chow-Tzu assist. That was just rude. Oh, you wanted to add the Chow-Tzu, huh? You had to add the Chow-Tzu.  You just- Come here. I should have given you a hug for that. You had to have it your way. You had to Chow-Tzu me, huh? Now look at you. Goofy. You think a barrier would work. He's not dead from this, is he? Oh, he is! Oh, nice. I didn't look at the numbers. I did not look at the bar. I was just throwing stuff out. All right, do I 2M again? No, never again. Never again. Never again. It would never work again. Oh, I almost did it again. Oh, I'm sorry. He perfectly spaced that punch. He ran up just the right amount of distance and just hit me with the punch. Oh, my God. We are taking a level 3. No sparking. I am cooked. I am just cooked. What's the Okie looking like, though? What are you going to do on wake-up? Because I think I have a plan. Oh, oh. He's going to try it. He's going to try it. Don't try it. Oh, I told you not to try it. Don't try it. I knew he would try something, dude. He was looking at...  If they're just going to try to play normally, they won't give off the... I didn't sense the aura. Oh, the level 2 finally came out. I got to switch out. That's too much blue. It was a little obvious. It did me a favor of sparing. Oh, get that out of here. I should have been punished for that. I'll take cornerback though. Damn it. I almost had the perfect low timing on that. Oh, that was nice. I should have blocked. I got tripped up. I did not expect him to go low. I thought he was doing something else. Maybe I jumped? No, I don't think I jumped. Damn, I was... I'm getting cooked, dude. I'm getting cooked. All right. What's my cell? It's just A, right? That's fine. I'll take that hit. Again, that's totally okay. Okay. Rock kick, dude. Rock kick. I should not have done that. That was... I was trying to do a get out of jail free card. Oh, he is trying to... He is trying to end me.  He didn't block? No blocking? Yo, I can't believe it, dude. I'll stop when you reduce the ashes. All right, all right, all right, all right. Calm down, calm down, calm down. We got to get UI Goku out of here. This game is still not over. He tried it. I tried it, too. I tried it, too. Listen, I tried it, too. I wish we would have gotten one hit in at least. It would have made me feel so much more comfortable. Come at me, oh, wait. Oh, he's just dragging me. I thought he would mess it up somehow. Damn it. I agree with him, dude. Damn, I messed that up completely. We had a decent jump in there. I just... I kind of soiled it. Should have gone for something that I could have launched from, but it's still not over. That was a good fight. Oh, dude, it was.  I'm sad right now. Oh, come on. My movement's good. My movement was good there, too. All right, we're just taking the normal standard approach. Damn, he sprinted out. I should just... I should hold those. I knew he was going to... I tried to 2-H that. That was a spirit sword. You cannot 2-H a Key Blast. I'm cracked at the game, by the way, in case you were ever wondering. Chow-Tzu! Chow-Tzu always on the lookout. Oh, my God. Vegito got lost. Can we get a replay of Vegito just looking lost and confused? Oh, no, I failed. Cancel the replay. Hold the replay. I'm just going to... I'm just going to say it, dude. I'm just going to say solar. Kamehameha. I'm going to say the level 3. We're going to get it done. He's probably going to... I knew it. I... Wait, my Kamehameha's going to clash.  I knew he would do it back. I knew he would do it back. That's why I did the B. I don't know why I did the B. Oh, okay, fine. Good enough. Good enough, man. Good enough. Good enough for me. I can't do anything about Chow-Tzu. Chow-Tzu literally locked down defender. You can't stop him unless he chooses to miss. All right. All right. All right. We in playing. Oh, why did you get hit by that? I was not expecting that. I'm not... I'm not doing anything, dude. All right. Just take the... Just... Just please go away. I can't believe it. Oh, keep last... Oh, Vegeta switch. I should have expected the switch, honestly. Final Kamehameha, that's fine. I will... I understand.  Ah, I thought he would dragon rush. I thought that was the setup. I thought that was the big prank. Man, we are going to have to make a comeback right now. Especially with Tien. That's fine. Oh, not fine. Not fine. Not fine. Goku do it all. Goku do it all. Oh, it's going to have to be a Goku show. It's going to have to be the Goku show. It's going to have to be. Oh, that hit stun is crazy. Still not dead, though. Still not dead. If you're wondering why I'm hopeful.  Oh, man. Why are you moving like that? Don't know, right? Kind of got me... No, I was blocking, dude. I'm going to have to call. I'm going to have to call incorrect. No, I did... I'd let go of block for a second. A solid second. When I saw you was above me, I was like, let me make some moot. Got spirit sorted. What a great set. Good games. We couldn't get it done with the sell. I feel like we can, though. I feel like we just made the second... Once we dropped the second game, we made too many to stay. Great game, though. We're moving on to the next one. Lessons learned. We're going to get it done in the second one. All right, I'm not going to lie. I'm scared. Not of Adele. Not of Great Saiyaman. Neither of these guys are scaring me too much. I mean, I'm sure I'm going to get cooked by them as well. But his name is Super Saiyan 4 Master. And he's got Gojit on his team, dude. It was... Was that a C-Assist? I should have looked at the Assist beforehand. Oh, no. Was that a C-Assist? Am I cooked? Is this Super Saiyan 4 Master? Why did I... Why did I... Why am I bad at the game? Dude, I've been away for too long. I've... No, not another break. Not another rust. Why am I so bad? Why did I not just 2M? Maximum damage lost. Do we see a spark here? No spark? The C-Assist was clean, though.  That was...  Oh, my God. I love C-Assist. I know I was just worried about his C-Assist, but... Hold on. C-Assists are great. All right. All right. You did it. You did it. You did that. You did that. But let me talk to him. Let me talk to him as well. We're just going to keep it classic for this one. You know what? I'm going to get some more hard knockdown. We'll see how he reacts. I think he's going to UI Tech, honestly. But I'm going to check him anyway. I'm going to check him anyway. All right. All right. All right. That's fine. How did... I'm bad at blocking. I thought I had that one for sure. I was like, yeah, we got it locked up on defense now. We win in these games. Level three. Damn. You didn't have to cook me. Oh, my goodness. All right. Taking a level three. We still have spark, though. I'm not sure if I'm going to use it for sell. If it gets dicey, I will. It's dicey. We are... As soon as I brought it up, I mean, most of us knew. I was going to pop it. Oh, oh, my God. Why? Damn, getting thrown around. Are we dead, though? Oh, we could be. Two level ones, if you want. See, we're dead with two level ones. Oh, my God. He milked every... He milked all the damage he could out of that combo. That's good. Okay. But we let... Goku's one combo away from getting locked up. If we can lock up Goku... Ah, wrong Goku. If we can get UI Goku out of here, this picture is going to start looking a lot, lot better for us. That's fine. I'm actually so glad I just go... I did that. I'm just going to throw a beam out here. I'm going to do two. Can I do three? Ah, too many beams. I can't start throwing beams like that. What the... That was definitely a button error. See, assist? Oh, we both did see assist and then clicked buttons. I thought mine was winning, though. Three bars. I'm scared again. And I can't get us out with three bars. I hit a button going. I hit a button while falling. Man, I fell apart after...  When Cell leaves, I fall off. All right. But I actually kind of have faith in Vegeta. I'm not going to lie. There is seven bars. Do I go for it? Don't click buttons during a CSS call. That's just never the move. Do I go for it? I mean, I... Why am I mashing? I'm dead. I'm dead. Am I? I said that, but I don't know. No, I'm not dead. I'm not dead. I'm not dead. Especially after that. I should be. I should really be. He's got CSS. And I hit buttons again. I am a contraday. I'm good at the game is what I am. Let's go. I got to get the... You know, it was fake confidence all the time, but I... Oh, man. When the CSS came out and I hit a button, I was like, I deserve to lose. Okay. Clean up the play. We didn't even get to see the gojina, dude. We didn't even get to the boss character. Cell, you are the... Cell's the go-to. Oh my God. The Videl offense. Look at the Videl offense. We didn't actually get to play deep. All the loops. No, the loops. Not the Videl loops. I knew I was getting cooked by Videl. No, no, no. I got way too confused in the matter of seconds, dude. I... I lost corner. Resets. I'm just taking Videl out of the game. Videl is out of the game, dude. Videl is... I actually got... Man, this guy is like, wow, he was scared of my Videl. Yeah, man. I was scared of your Videl. If you loop me with Videl, I am on a... I might as well be sitting in a horror movie theater, first-time screening. You know those... You know when they advertise a horror movie with like clips of the audience, like screaming and terror passing out? I might as well be in those test screenings. I might as well be passing out in the movie theater. Oh, we out of there. Reflect. Yup, yup. We saw that coming. I threw the Key Blast because I was trying to get my S button ready. Damn. I do it with that combo now. I do the... In the new patch, they added that you can just hold S to do a super jump. So I do that now, just because I think it's a little more convenient. But I'm not going to lie.  All right. So this situation looks familiar. We have Goku here.  But not dead yet. And he's not going anywhere soon. You want to switch me back out? What? Just because you knew it? Oh, I can't take it, dude. The C assist, it's opening me up. I click buttons. Okay. Why am I terrible? My reaction to that 2H was so bad. I knew he was going to get it again. But I didn't know how to respond. Okay, I need to get random. Not maybe not that random. Oh, C assist conversion. I need to get random but not too random. That's the key. Is I'm trying to just lock it up. It's one of those scenarios when you just try to lock it up, you just start making so many more mistakes. And that's really what's happening here. So I just need to not even think about it. Reflect. I didn't get the wake up reflect. That's bad. Oh, Vegeta's dead. Is this going to be a 2O? This is looking like a solid 2O right now.  Granted, he is the Super Saiyan 4 Master. But I don't care. My, I'm bad. The season of giving. I was going to say I blocked that dude. I'm so glad that didn't. Oh my God. Just just let it go. Just just just just just let me get the Super Saiyan 4. Oh my God. I'm playing so bad. I'm playing so bad. I'm playing terribly. Hold on. I'm going to win this game. I'm winning this game. You don't believe it. I don't believe it. I'm just saying it right now. But I believe it with my heart. Uh oh. He's not dead. Things. Two things I just want. I forgot Cell's EX roll brings him straight down. And I can't believe I got hit by that 2M. That those were the two things. Oh, oh man. I choked. I choked. I had to come back. I went silent. But at the end of the day, Super Saiyan 4 Master knew I was coming. The season of giving. And I really gave my BP away, dude. All wrapped up under the Christmas tree yet. Jokes aside, I'm going to be getting out of here. Thank you so much for watching. More fighters ranked as of course on the way as always. As well as all the other cool stuff we've been doing on the channel. Down below, you can let me know if you would have sparked against Videl in that situation. I'm not going to lie. I think that was the best decision I made all day. And that way down there, make sure to leave a like and subscribe to the channel. I have been Dr. Doi. And I will see you in the next one.


Well, throughout the minor leagues, like every manager and sometimes not every, but you coached surveys. So I coached surveys for a lot of years throughout the minor leagues in my managerial career. And I also had the chance to do it in Winneville before I became a bench coach and then a manager. So I have a few years of experience coaching surveys. I enjoy very much. I like the anticipation part. I like the preparation part. I like the communication part, like and at this level, the connection with the dugout too. And getting to know your manager style and what the top processes are and all that I think is important. So I'm still looking to learn some more things. This game is still growing. So I think I was talking about the data. I think the data can make a third base coach even better. So what I have coached in the past at third base, I haven't received directly as a third base coach as many data as I'm probably going to receive to prepare myself for next year and then in season as well. So I'm looking forward to that, but I have experienced coaching play.


What is going on everybody? This is 1718 prism cello one pack break number 41 number 42 is also sold out That's next. This is 41 30 spots in this At the very end with a separate dice roller Top seven names will each win a spot in the one box break number four of NT basketball Coming up shortly. Good luck. This is just for the cello pack break six times This is just for a list of customer names and teams One, you know who needs to drop an album is Lord. I think she's got one coming soon She fell off five. I'm sure do another stuff and six Robert down to send me in All right now six times on the customer name. Sorry the NBA teams Six Utah Utah down to Sack on his podcast There's his teams Yeah, I don't know when that next one will be maybe he'll just go with it. What? No, when does he usually post those? There's the team list Yeah, maybe he's taking a hiatus. Yeah Yeah, I think so too Have you ever listened to his brother's podcast? He just released a statement on it. Yeah It's called Matt Dalia is confused That's the title of the podcast This is a one-pack break So no trains. Good luck everybody Yeah, it's only two minutes long it shows Yeah So I don't know what he says in it All right, so I got this pack break one more pack break and then a one box of NT basketball now to be it for me tonight I thought that was writing. That's honest. That's tattoo. It looks crazy Frank Mason silver. It's not bad Nothing crazy though in that one All right, so that was the pack break now onto the real thing We got a randomized all 30 customer names The top name is gonna win a free the top seven names are gonna win free spots in this NT basketball Six times nice job One two three four five and six and final time six times after six times the top seven names bang boom zoom Nick Robert Gavin David Kevin Stephen Kay and Robert for a second Congrats guys. Sorry to everybody else, but I appreciate you giving a shot on jaspyscasebreaks.com you


This is Robert Montgomery inviting you to join us for love's lovely counterfeit tonight study in Suspense an hour of suspense a full 60 minutes at this time And with the distinguished actor director mr. Robert Montgomery as your host Tonight our star in one of his rare radio appearances. Mr. James Cagney our author guest. Mr. James M. Kane Our story mr. Cain's loves lovely counterfeit a suspense play produced edited and directed by William Spear Mr. Montgomery Funny thing about a gun Nobody likes to have a gun pointed at him and yet it gives you sort of a phony sense of power to hold one in your hand to do the pointing a Gun itself is cold steel Its message is written in hot lead and the death it brings is cold again. I Still don't know anyone who thinks a gun going off makes a pleasant sound. I Suppose a lot depends on knowing why the guy who points it wants to fire it and what kind of a gun it is Guns have personalities a fat blue revolver is a lot different character from the first slim rifle you get when you're a kid You take a rifle like that. They look clean They are clean But did you ever take a good look at an automatic a 45? Nothing healthy looking about those babies. Uh-huh Something very final about an automatic there for the tough boys Probably you haven't known any tough boys personally, but you've read about them and heard about them and High caliber actors like James Cagney have made them live for you on the screen You want to know how it is to meet a tough boy. We've got one for you names Ben Grace and Jim Cagney's portrayal of him tonight Reflects an important ingredient of suspense because of the character as James M came drew it and because of the masterful interpretation you are about to hear a respected actor and my friend James Cagney as Ben Grace in Love's lovely counterfeit I'm writing this lying in a nice clean bed with the sunlight coming in the window Nothing to do but look out at the people walking along the streets and the kids playing in the park and any little thing I want All I have to do is ask Do a lot of poor guys nowadays that had probably sounds like the softest spot in the world but with me a Couple of slight disadvantages. I think you'll see what I mean How I got here and that begins when I went to work driving to Sal Casper You haven't been in Lake City chances are you've never even heard of Sal Casper But Sal is the kind of a boy who would have got plenty of headlines if it operated in the big city He had the bookies dope gambling everything and he owned the best commercial hotel in town as a front The only trouble with Sal was he was mean and he was greedy But I never had any real kick coming until that Friday morning last June that I'm going to tell you about I Got in a call and I went up to Sal's private office in the hotel I knocked on the door in a minute the slot opened up and it was lefty gouse Looking out through the slot to give me the one sober.  No, no not yet. He ought to be pretty soon though. What's he got on his mind? I wouldn't know Ben This is supposed to be my day off. Well, I hope you didn't make any heavy dates. Oh So you don't know a thing about it, huh?  What what's that? That must be those poor suckers the citizens league Just coming into Main Street say that That must be Jansen, huh? The guy they're running from air. Yeah, that's right in the back seat of the big open packet. Oh Who's the doll riding with it? What's the matter Ben? Don't you read the papers? Sure? I Read the ladder Who's that Daisy Mae and name is June Lyons? Jesus knew secretary or something But everybody says she's the brains of his campaign. Yeah How can you use a little brains like that myself? No, no not that kind you couldn't not that missionary kind What what about this Jansen?  Hmm, Saul isn't even worried, huh? Why should he be? So puts up the dough Maddox wins again and Saul keeps on running the town Yeah, it must be so now house muscle bound how are those big broad shoulders, huh? I haven't built right into my suit. You want to try that saw might make you look like a man What's that crack supposed to me? What's the matter fellas? Can't you take a joke? So can I What you got on this afternoon, Benny? I guess you forgot this is my day off I said what you got on this afternoon Nothing that I can remember now Why a little job what kind of a job I got a tip some friends of mine may be a little trouble Something about a bank. Why don't you stick to the book? He's in the gambling cell. You'd be safer Listen, Benny any time you think you're big enough to run this business. Just let me know I'll be glad to work something out for you What's the job these kids are gonna crack the castle of voice national just after closing time It's loaded on Fridays. It ought to be a big haul Yeah, they got a they got a room here in this hotel room 480 Be back here about 330 Now you see I own this hotel and I want you to go up collect the room rent I'm giving them pretty good protection. So I figure it'll come to about 20 grand. Yeah Well figure on some getting somebody else to collect it. What I Said get somebody else.   What's the room number? 480 Come on.  I'll see you up there 315 by the way Oh, what did you say that dame's name was? What dame that dame with Jansen that brains of the opposition you mean June lions. Yeah, that's it now now wait a minute been wait a minute You know that's poison why I've Saul even thought you had you know lefty miss lions interests me in more ways than one An election from mayor in a place like Lake City can be a pretty tight little situation Particularly if the town has been run for years by our mobster like Saul Casper, and I knew that with me working for Saul Playing around with the opposition wasn't exactly the healthiest pastime in the world But when I saw that June lines doll that was running their campaign There was something about her that gave me an idea. That's why I phoned her and she said okay. I Met her at an intersection a little ways out from the main part of town She described the car and given me the license number she drove up as though she had stopped for the light just like I had told her I Got in and I changed she drove on for a minute. We just sat there. Nobody said anything then The least I expected was a blue chin and a broken nose Disappointed a little What's this hot tip you told me about over the phone? I don't have much time. What's the matter? You worried? Not particularly. You don't have to be I'm not interested in you Where are we going? Just keep driving around but keep out of the main part of town Is it as melodramatic as all that could be for me? Why do you want to see Jansen elected? I don't oh Well, then what why did suppose you let me ask the question all right? I'll ask you the same one Why are you working for Jansen? Oh? I'm just one of those crazy idealists. I guess just a missionary, huh? Jansen may not be the best man in the world But at least he isn't hooked up with a racketeer like saw Casper the way Maddox is June June now is it? What's your name? Maybe I'll tell you that later and maybe I won't listen to him If you were one of those earnest kids who stand around on street corners handing out leaflets I might believe you wanted to reform the world, but you're not I know that you know That electing Jansen isn't going to reform the world or even reform Lake City. It just doesn't make that much difference Oh, well it does to me Let me out of the next corner with you. Why? Because if you're like that, I don't know how to deal with you and if you're lying I don't trust you But I'm not lying. I'll get out here. Wait a minute. Why? Listen, it's partly that but there is something else too like what? If Jansen wins, of course, I'll get a city job out of it a good one That's more like it. Yeah, but I want to explain what why I wanted you don't have to explain anything, but I want to I'm a lawyer At least I've got a degree from law school, and I want to be a good lawyer If you start on on your own it can take years, but but with the right job at city hall You can build up a practice in no time The others partly true, but but this is this is about 90% of it Okay, as long as it's the door. You're thinking about we can do business It isn't just money. I know I know now listen If I give some dirt on Sal Casper that will send them up for ten years or so Jansen wins, right? If you can prove it you're going to prove it Three punks from Chicago are sticking up the Castleton First National Bank at about three this afternoon Sal Casper is hiding them out at his hotel room 480 There's any shooting at the bank and anybody gets killed It'll be that much better You will have him for accessory to murder Have you people there at four o'clock? I'll take care of the rest You must have been to college too What to think up one like that The first place who's going to arrest Sal Casper in Lake City the second place that we come out with this and it can't be proved It's criminal libel That's all Jensen needs to really lose So what do you think I? Think you're working for Maddox and Casper That could be but at least I know my law what law The Castleton Bank is ensured by the government that makes the stick up a federal rap If you want the number of the FBI, I'll give it to you That's for the second place Have you ever heard of a guy named Ben Grace? Ben Grace He's one of Sal Casper's gang, isn't he? That's right He's my driver's license with a picture of it. Not a very good one, but there there is a resemblance The name is Bennett J. Grace. Oh You can turn left here All right Does that make any difference? What that I work for Sal Casper No Doesn't well should Because a I've put myself on the spot giving you this but plenty and B I'm not a guy. He was in a very good position to go around giving phony tips to the FBI You can pull up right here. Hmm Where is this? This is where I live. Oh Oh Anything else? Yes Just why are you doing this? Because I just decided that Salie Casper is an old meanie and I don't like him Is that enough if you say so? Room 480 at four o'clock Ben yeah Will I see you afterwards? Don't worry, baby You'll see me. I Was back at the hotel by 315 things were going pretty good The one thing I was afraid of that she'd want to call in the pedals before the stick up. She never even mentioned I Knew she was my kind the minute she began to talk about the dough When I got up to room 480 Lefty was already there lying on the bed reading the paper. Oh, hello, Ben Hi, baby, so this is room 480. Hmm looks just like room 481 Are you lefty? Okay, son One bottle of beer. Nope. You were you didn't take it too hard what Sally said, did you can't say I liked it? What time is it a couple minutes for? Yeah, it's too bad about you, Ben. What's too bad as a way?  Sounds like there might be more Not unless you ask for it. Okay. I'm asking for it lefty Well, Ben a chisel is like this He isn't crooked and he isn't straight either. He's he's just in between But above all he doesn't like trouble. Maybe he's just smart. I don't say he isn't oh He'll always make pretty good dough and he'll die in a nice clean bed with a doctor certificate instead of a coroner's But he'll never be a big operator. No, uh-uh now a Big operator he runs it or he doesn't operate and that means he doesn't mind a little trouble once in a while I guess that's right And that's too bad Ben Cuz you got brains Now me well, I'm different how's that? Because I I don't mind the trouble, but I don't have the brains Oh, I wouldn't Who told you that I know I know ten years in stir off and on didn't help any and I didn't have much to begin with They ever tell you how I started Ben. No Ben I Was a preacher or what? Do you expect yes a preacher so help me I was by rights. I still am look here I got the license right here in my war Yeah, it was one of those hillbilly outfits and the bishop as he called himself He was so far away from where I was that he never even heard about me. I guess anyway He never canceled the license the Reverend Richard Jose gas That's one for the books lefty. Yeah, and I was just a kid But I got hooked up with one of those big-time evangelists and if I stuck with it I could have hit the big-time myself and there's plenty of dough in that racket But you know what I did First time we really make a big take I tie a handkerchief over my face and get me a rod and stick up the cash box and They caught me Yeah, that's how I know I haven't got the brains. I wouldn't let her worry you lefty That's not what's worrying me now, Ben. What is what is? What's going to be happening and in here in a couple of minutes? You ever sat in on a divvy before Ben? No, and I wouldn't be now except for the manpower shortage These are three wild kids Ben Chances are they'll be coped to the ears and slobbering at the mouth with half being half scared to death and half crazy with Excitement thinking how much do they got and what big shot public enemies they are and we You and I we got to walk up and take 20 grand away from them. All right. They know that yeah, no And it's one thing kicking in with it's another and Suppose the Sally's double-crossed us off Suppose he didn't tell the kids how much his cut was Suppose he left it for us to break the news They just come for maybe killing a couple of people for 40 grand Maybe they just as soon kill a couple of more to keep the 20 maybe Now we're going to find out Marty get him in here All right, get him over to the who are you I'm the man that collects the room rent. Yeah, stick them up Frisco Marty. Okay, Johnny. I don't need a rod to handle punks like you This guy's clean Johnny. Yeah, what about the other one?  You might drop it and break somebody's foot What's the matter with your pal here? He got shot anybody else. No the guard shot him when we were pulling up Better get him over on the bed He's out of his head. Yeah, did you get the dough did we get the dough look at this wise guy? 40 grand maybe more look at it touch it taste it smell it What about it sucker? You ever see so much dough before in your life? Sure. I work in the mint You know how much this room is costing you how much 20 grand 20 grand. That's right. I'll be back after a while. I collect it Why do you want to do with your pal there with the holes in it? I don't know You know that's bad don't you why the kids out of his head already Suppose he makes trouble start screaming or something you got doctors, haven't you sure but that kind of a doctor That's one more guy. They'll have to get a cut pretty soon.  Yeah, and then what do we do? That's even worse Oh, no, no, that that would be easy then we just take him out of here at night and dump him someplace Oh, and if the kid was to die that would be one less guy who had to get a cut wouldn't it? Huh? Yeah, oh come on lefty. Okay, we'll be seeing you. Yeah. I Hope you know what you're doing Ben. I don't know. What do you think? I think so come on. I got the room next door You know you're just as good as signed that kid's death warrant. Don't you that's right? The other tool knock him off now before we got time to get this miss miss miss miss They did it Yeah Maybe we better call Saul. Huh? I hope you know what you're doing Order, please. Give me mr. Casper's room. Yeah Saul Ben You better come up to room before 80 Saul. Why they want to see you personally why I said they want to see you personally I still want to know why do you want your door? Don't you? You're supposed to be the guy with the big muscles I'm not going to wrestle those punks for your purse. Okay, Charles. I'll be right up and show you how it's done You'll be right up then what what do you mean then what?  I know you stand right behind me with a gun in my back Just so you know Ben I Can see how you'd have made a preacher Lefty you've got a terrible streak of honesty in you just so you know Mr. Casper has been a little trouble mr. Casper Archer he just died right he was shot. Yeah, all right, so we'll get him out of here tonight. You got the dough sure sure We got it. Let's see it here. All right Where you going I got a date with a missionary in tonight's full hour of suspense James Cagney is our star Mr. Cagney appears as Ben Grace with Kathy Lewis as June Lyons and Wally Mayer as lefty Gauss in William Spears production of love's lovely counterfeit tonight study in suspense In just a moment. We will return with act 2 of suspense This is CBS the Columbia Broadcasting System. This is Robert Montgomery again When such incompatible words as lovely and counterfeit found themselves together in the title of tonight's story by James Cain They said a lot not only about the story, but about the man Ben Grace as well Elements of both words crowded through him on the one side for example Was his dislike for meanness and greed and on the other side something forged fictitious false That was a smooth operation he pulled and he was going to get even smoother as he went along But it never got Ben Grace anything but trouble Because the smoother he got the further he got away from the true Ben Grace a real lost guy trying to find north and Maybe for him June Lyons could be north But Ben wouldn't stop long enough to take a reading As James Cain described them in the novel Whatever it was June needed in life Ben had it for her and when she was with him and she acted with that Complete abandon of a novice having her first drink Constantly he watched her he studied her as though he were trying to make up his mind about something or to figure out Something into which she definitely fitted And then he began to really look at her It was the first time he had really studied this girl who had started such a chain of Circumstances in his life and he looked with lively interest It was all the more lively since he was unable to connect this face with all that he had learned about its owner It was in anybody's contest an extremely beautiful face It was perfectly chiseled in profile at least it slightly droopy lines reminding him of pictures He had seen of ancient sculpture There was some exquisite invitation about the mouth it pursed a little with an expression of expectancy The skin was soft with just a brush of bloom on it. The figure was lovely too not too tall But slender soft and willowy He had the dizzy half-norsiated feeling of a man who has been rocked to his heels by a woman and knows it And so continues the history of Ben Grace in James M. Cain's Love's lovely counterfeit played out for us by James Cagney in a narrative. Well calculated to keep you in Suspense After that the action moved along just the way I'd seen the play in my mind Sal might have had a six to an even chance beating the rap of having the tea loaded kids in the hotel But when the guns were checked against the wounds in the stiff the beef was murdered and that was one beef Sal couldn't square Janssen walked into the city hall on a bread plush carpet and June. She got the job She was after Janssen's first day in the driver's seat was celebrated with a cocktail party at June's house All the loyal party workers were invited to receive the thanks of his honor I called June on the phone when I heard about it She hammed and poured around a little and then she finally asked me if I'd like to like to come Didn't seem too anxious, but I I wasn't going to miss this chance to meet the mayor She told me I could bring a friend if I liked I said I would Suddenly realized that I I didn't have any friends. I brought lefty Was a corny house a depressing pile of wooden stucco with poor tired wall reigning in against the sagging roof for support June was nervous when she saw me. I introduced it a little How do you do? I'm glad you could come. How you been and I saw us. Thank you You know everyone here Ben Everyone I want to know Well, there's a bar in the alcove over there. You got any beer? Oh, you can drink You want to make a book? Then you'll excuse me. Oh, sure. Sure. You just go right ahead and host us like crazy. I'll just drift around See you later Class we'll class educated, huh? That she is lefty that she is well How about the suds Benny then we'll go pay our irrespective to his honor? How do you how do you do Mrs. Lyons, my name is Grace. This is mr. Gox I don't hear very well Excuse me, you'll find me in the suds Ben Have you met mr. Johnson? Yeah, no, I'm looking forward to that. Oh, he's a wonderful man Nice and settled in with a wonderful future Don't you think so? I think I'll be able to tell more about his future after I've talked to it Exactly my very words to do I can see things like that. I beg your pardon. Then you agree with me You look like a very intelligent young man, Mrs. Lyons You don't make much sense Exactly what I've been telling Junie, but she just says oh be quiet. Oh for heaven's sake auntie be quiet.  Mrs. Olaf Janssen wife Oh goodness, I get dizzy when I just think of it. Yeah And I know what you mean there too. Oh, oh there. Oh, mr. Mayor. Mr. Johnson. Well, how are you, Mrs. Lyons? Yeah, mr. Janssen. This is mr. Mr.  That's right. Your honor June Miss Lyons tells me that you've been very may I congratulate you your honor. Thank you I was about to say that Miss Lyons tells me that you were work to help make my election possible Oh very clever of you, mr. Janssen. I did what I could your honor Please accept my sincere. Thanks, mr. Grace Tiley encouraging to find young men fighting for good clean government. Good clean government is my hobby your honor. Really? Mm-hmm, and If I might make a suggestion, of course this town needs a cleaning from addicts or seller there We agree mr. Grace and you'll need the right man a chief of police to help you do that Are you Ambitious for a police career now. Oh, no. No, no, you're on myself. I have no ambitions, but I think I can suggest the man you need Cantor Joseph Cantor Cantor That's the man, but I've just thrown him out. He was one of Saul Casper's rats. I I'm sorry to use words like that You work for Saul yourself. Didn't you mr. Grace you?  I'm sorry sir, but I fail to follow your reasoning or your emotions You said you wanted to clean up this town You'll have to appoint the best available man to do that for you if you go through the list You'll find that Cantor is the best officer on the force. He's got more copper in him than a ton of pennies It wasn't his fault that a crook got elected and he had to play along give him half a break And he's the best law enforcement officer in the country and a good officer is what you'll have to have if you're Going to deliver what you promised the voters you can't deliver with jerks and thugs now Let me tell you something silly man Let me make this very clear mr. Grace when the people of Lake City voted for me.  Mrs. Lyons. May I take you to the bar for a ginger ale are they really You're leaving so soon now that you mentioned it I I guess I am oh well I Have you met mr. Jansen? I met him What do you think of him? I think he's a very educated gentleman, but he'll learn he'll learn Do you know what I? Think I'm in love with you. I think I love you too For the next couple of weeks while Casper is waiting trial I let everything coast everything that is but but you there I kept the motor running and finally the night arrived owners time for me to step on the gas Seattle and Let's keys to punch on me Let's keep it warm you Unique uh-huh He's stuck on you, isn't he? Jansen that's the man's name his honor the mayor Sure, you don't generate little amperage for him.  I live a little better sure Then Yeah Why'd you ask me that? Ask you what? What Jansen? Skip it. No, no, then I want to know Well, I kind of got that notion from the way he always shows up here after I bring you home at night and Stays for a while You're wrong then Don't give me a razzle dazzle angel. I've clocked him in and out You know me better than that Ben. He has no personal interest in me honest. It It's just business. It's things we have to talk over Not enough hours in the city hall day, huh? Gets lonely sometimes in the evening, you know, his wife just died and that's what I mean he likes me and I just feel sorry for him honest He's so grateful if I just let him come in and just sit for an hour and talk Grateful, oh Ben, please you probably got him jumping through hoops. I'd rather have you jumping through hoops Hey, you know when I was a kid my old man used to say Then he'd say don't ever jump through a hoop Of course from the hoop. It's only a hop to the halter and then you drop the H And what are you left with the altar? Oh? Dancing coming here again tonight. Oh, not if you object. Oh, I don't object that's better There's nothing to be jealous of you. Uh, you could ask him a favor though, Julie. All right anything you say Ask him to appoint Cantrell chief of police Point Kent Whom did you say you heard me? Then what on earth are you talking about Cantrell? But he's a crook Well, well, he was hand in glove with Saul Casper How could Jansen appoint Cantrell it and make a laughing stock of the whole campaign.  Oh the bed.   So go ahead laugh. Let's see it left For all I did gambling my neck every other day 35 a week and I took it Hey, that's the funny part. I I took it you can start tomorrow at 50. Huh who for now on I'm running it So it was you all the way down the line you with the tips there What nothing been nothing? What is it lefty? What is it? Only this Benny?  I got not a word to say pals Two beers Ben and they're on you So I took over where salt Casper dropped out We move things around a little to make it look respectable But the bookies and the gambling joints and so on kept right on in business and I collected Wasn't hay Things were fine just fine my evenings were filled with June and my days with putting the automatic pump on the town Like the day I finally got around to the office of bleaker and Yates the lawyers Oliver bleaker had been elected district attorney along with Janssen So it was mr. Yates the junior partner that I wanted to see and what do you want with me? You know anything about pinball mr. Yates. Well, I played the machines once in a while. I guess I mean the hookup Well, not exactly You reform guys you don't know much to you. Is it important listen closely mr.  That's what I said one hundred thousand dollars They're still going strong. But what happened to them in the very near future Depends on your partner mr. Bleaker the new DA. I can't tell you what he's going to do Well, I've got a flash for you. I say that as far as Lake City is concerned pinball is finished for Because it's gambling and it's wrong But to the extent that it's a game of skill it's good clean recreation and that's not against the law I'm going to bring a new kind of machine into Lake City if as and when the old ones are tossed out But this much I've got to know before I bring 5,000 machines in Will mine be legal no gambling no payoff only a certificate if you make a homerun Now you know bleaker and you can put a certain legal question to it. No, well The next thing the next thing is to protect the interests of the little storekeepers who use my machines I'm going to organize an association The association will need an attorney The attorney will get a very respectable retainer by the year Yeah, those machines will do a hundred thousand dollars a month And I want you to be the lawyer for the association Well, there's a little question of ethics here that I figure the attorney should get to 5% of the take You see mister, I'm bleaker's partner. Maybe even as much as 10% but you see the ethics of the situation Well, if you're busy your busy studying ethics, maybe you wouldn't have time to handle this job. Mr. Yates No hard feelings. I'll just look for another man. Yeah. No, no, no just a minute. I Would like to figure over a bit sure perhaps to talk to mr. Bleaker about it See what he thinks of the propriety of my acceptance of Jim. No, I get it. Well, shall we meet again say Next week next week is fine And next week was fine Joey Cantrell was appointed chief of police the DA listened to the legal advice of his partner mr. Yates and Decided was for the good of the community to yank all those hard nasty Pinball machines and save the citizens the temptations of gambling Chief Cantrell's first official job was to supervise the smashing of those machines which had been condemned. I Went around to see how he was getting on before he gets smashed too many Tell him the whole of a minute will you so much noise come on hold up the kind of nation those machines a minute Okay, Joe You ever been abroad? No Neither have I but I have been to Mexico Mexico south of the Rio Grande Juarez across the River Mel Paso Well when when I came back, I thought I'd bring in some perfume. Yeah, so what so this On some of that perfume they got a rule that the customs officer has to destroy the label before it's brought in You got that you're still listening You know how he destroyed it. No, but I'm dying to hear he drew a blue pencil across it He made one blue mark and that legally destroyed it the man put a blue pencil right through If one blue mark will destroy a label.  Oh Say you sure do think of things, don't you I do my best you mean destroy it legally legally Got a blue pencil I could try I just happened to have one with me then we'll see Look at that. I just destroyed See now another thing Joe. Yeah You'll want those trucks again, huh to haul the destroyed machines over to the reservoir street dump Well, I guess they got to be put someplace All right, I'll have them here tonight Funny how a blue pencil ruin stuff, isn't it? Oh and another thing. Yeah, just one sign those vouchers for what for the trucks The trucks I furnished the city yesterday to haul these various gambling devices from various and sundry addresses Here to the 9th Street police warehouse 3,000 bucks in all a slow up boy slow up cost money to clean up a town Joe Okay, but don't run a good thing to death. It's the people's will Huh? You forgot that mandate to cleanliness sign And that's the way it went and With a little remodeling those pinball machines were back at their old stands But now they were working for Ben Grace Yep, whatever I touched turn green with pictures of presidents on it Things were going so good. I started to worry, but I knew that the real worry was going to be June. I Knew she was going to spring in on me sooner or later And it was last night when I was out at her new place that she decided to get it off her chest Then then I want to talk to you what about don't you know Yeah, I guess maybe I do we can't go on like this Ben. It isn't right. It isn't fair to Janssen. It isn't fair to It isn't fair to me What what's so unfair about it? Oh, Ben, you know what's unfair about it? Mr. Janssen promised the people a lake city that if he got elected he'd clean up the town Huh, all right. Why doesn't he do it? He's at six months because he doesn't even know what's going on great Then what's the beat I? know what's going on The horse racing places the gambling places all the other places are just as open as they ever were Mm-hmm, and I know who's keeping them open. Of course you do I am listen honey if I wasn't bossing the organization someone else would be people like to bet people like to gamble Ben Don't you see? I'm a city official I have an obligation to the people of this community to the people who elected Janssen because they believe that that he's still a missionary, huh? Well, I'm not a racketeer Maybe not, but you're the next thing to it What do you mean? Where do you think the dough came from for that car?   Am I sure just like me only I'm honest about it. You're not then I will be I Will be starting now starting right tonight What are you gonna do turn me in? Oh, Ben Maybe your big mistake was falling in love with me, baby Now there isn't much you can do about it.  Yeah? Yeah, just to see you Benny put up your hands. You know I never carry a rod. Yeah, maybe you sort of wish you did now, huh? Muscles not that you have a chance to use it. Well, what are you gonna do?  No when I've done that I think I'll think of something real nice to do to you and you sit right there We are sweetheart, honey. You start backing up to that door slow It's a bathroom, isn't it?  Is he dead? Since when have you been carrying a gun? Just lately I Been are you all right? I Just want to sit down a minute. Oh We got to get out of here, baby. Yes, then we'll go away. We'll get out of the country. We'll go to Canada Sure, and we can get married there You do want to marry me. Don't you then? You know I do baby and you can get work up there, Ben I'll do something to and we'll do something decent with our lives Darling, I know it's been partly my fault. I know I've just been weak But it isn't too late to begin again. Is it is it? Maybe not but your aim on that second shot wasn't too good, baby Then so There's just one thing that's stopping us Then The bullet hole in my belly So that's how I came to wake up in this nice clean bed with nothing to do would look out the window at the kids playing in the park It's a hospital. There was a big cop here with me With his chair tilted up against the wall reading the paper Hey flat foot. Hi. Hello big shot. You've been in the Land of Nod, haven't you? What are you doing here? Reading the funny papers. Can't you tell why can't you read them at home because there's been a little thing that we policemen call? Murder big shot and you're what we call a material witness Where's June June Lyons? She's in a nice cozy cell big shot when she comes to trial Your statement will probably send her up for five or ten years to another nice cozy cell What statement? Oh You'll talk yeah, you know what you got big shot I got ventilated with a lead slug, but that's not all big shot. You got Pair of Midas. I Have oh So what so I'm seeing guys with Pair of Midas before you know what happens First they start getting a fever then they get kind of light-headed Then they get thirsty Terribly thirsty and after a while they get so you can make them talk without they hardly know that they're talking Oh You'll talk all right You think so I know so Get chief Cantrell on the phone chief Cantrell ain't chief anymore as a result of these unfortunate series of events Seems Mayor Jansen began to wonder about him Where's lefty gouse you mean your faithful servant right outside and I talked to him alone sure why not How how how is he there's it's hard to say hey putty knows your boss wants to see you Thanks, you funny funny fella Well, it just goes to show you don't it they're all alike Who are all alive these big shots and make a lot of dope for a while and then bingo what good's it done? He seems like a nice man. No, oh Ben Sure, he's nice enough. I guess I got nothing against him I just say it's a suckers racket. That's all me.  What do you have now big son?  Maybe he was just pretending Suppose I had I suppose I had some conditions like what? Oh Like I only talk in the apartment where it happened June Lyons apartment and June Lyons has got to be there and lefty here Lefty here to back up some things that I might say that might be arranged Now you think there you think the DA might forget a couple of those little things You've been holding against me if I talk that it'd be the general idea. All right you can close the door as you go out and Tell the DA to be around in about in about an hour I'll talk Cop was right I'm beginning to feel a little wacky already But the DA said he'd do it They're going to take me out there and an ambulance tonight If June only catches on but she's smart. She's a lawyer. This may be the last chance. I'll have to write But don't worry Whichever way it comes out You can read all about it in the papers Saying is that I won't be responsible dragging a man in his condition way out here in an ambulance Lugging him up three flights of stairs on a stretcher dark That's the way he wanted and that's the way it's going to be now. All right. All right.  Yes. Yes. All right How is he doctor? I've already told you but he can talk not worrying about me, mr.  Yes, I'm ready Do you Ben? Take this woman June to be thy lawful wedded wife to love and to cherish For better for worse Till death to your part. I do it. Hey, what are you? What are you June?  I do I pronounce all your dog. Yes, I do I'm a licensed preacher and this apartment is outside the city jurisdiction. It's in the county and This marriage license was taken out at the county courthouse one minute before they closed today and when I sign it Brother, it's legal. I pronounce you Men and wife. I I suppose you've heard that a man can't testify against his wife, mr. DA. Yeah, I know by the way Do you do you mind if I kiss the bride? Go ahead. Oh Ben, honey, that was the finest thing Face is so hot. Yeah, I thought maybe I was going to make it baby, but I Guess I'm not Then Doctor quick doctor It's a long mission. Hurry Mrs. Missionary To receive the spirit of our daily department And to forgive him his trespasses Who trespass against us? Mr. Montgomery I'm sure you'll agree with me when I say that it has been completely wonderful to hear performance like the one we've just heard I say like the one we've just heard but that's a futile phrase because there's no one like Jim Cagney For the benefit of late comers our star tonight on suspense was the one and only mr. Cagney our deepest appreciation, Jim Thank you, Bob a great part. I enjoyed doing it which brings us properly and with gratitude to the author who conceived it Mr. James M. Cain who does us further on it by appearing here with us now and who wishes he had a fresh choice of Superlatives handy Bob briefly. I thought it was excellent Of course, it isn't exactly startling to learn all over again. The Jim Cagney is a splendid dramatic actor You know Bob I can tell you what I think is the particular element that makes Cain the most powerful writer of true suspense fiction in America I went you interest me Jim He's always got a man and a woman. Aha The crime the violence murder is an inevitable climax an explosion of the energy that is to people generate from being in love Boy meets girl boy wants girl boy kills on account of it if he has to a Well, any author hates to think he is a formula man no matter how good the formula is but I suppose broadly speaking my crimes are Crimes of passion and successful suspenseful stories all of them the postman always rings twice double indemnity Mildred Pierce serenade not to mention loves lovely counterfeit or rather to mention it again long enough for me to applaud two fine performances By Kathy Lewis who played June tonight and Wally mayor was lefty with the supporting players my thanks You're a great company and a special bow in the direction of Bill Spear your producer director deluxe You beat me to the draw Jim, but my congratulations to to all concern And may I ask who did the writing of the radio play adapted from my novel to a radio's finest writers Robert Richards and Jason James. I think the adaptation was excellent


What's going on, everyone? Sam here with Layton Sports Guards, Ripon 2022, Panina Mosaic, football hobby, three box break, number five, pick your team style. We're going to read off our list of our names and teams, Andrew A., Vikings, Boss S. Ravens, Brian P., Seahawks, Cresty, Niners, David H. Texans, Jacob P. Lyons, Jason B. Panthers, Jeff P. with the Cowboys, John M. Jags, Joshua W. Steelers, Long J. Colts, Martin W. Cardinals, Moe M., Chiefs, Nathan A. Packers, Nick E., Titans, Nick M., Broncos, Noah H. Bears, Ray G., Patriots, Rob D., Falcons, Robert L. Bills, Ryan P., Football Team, Scott T., Buccaneers, Raider Saints, Sean M., Giants, Stephen R., Jets Dolphins, Todd C., Bangles Chargers, Trevor S., Rams, Sunafumi U., with the Browns and William K. Eagles. Good luck here, everybody. Let's see what we've got. Let's pull some more golds, dude. Pull the gold in, like, every break so far. Best one was probably that gold sauce gardener from the last 20 Boxer. Number four, Neil Jalen Tolbert. Blue, Clinton Portis, to 99 for the Commanders. Silver, Justin Simmons. Dak, center stage, Brett Farr of Silver. Mosaic, Denzel Ward. Darren Waller, White to 25. Nice one there for the Raiders. 12 of 25. Jamar Chase. And straight fire, Mack Jones.  Getting benched. Leaving his team to a losing record. He should be stair master. He should just not have an insert. Luis Sine for the Vikings on the rookie auto. John L. Wade Base. Josh Jacobs Red. Meta Mastery.  True. True. Jalen Petrae. K. Dotton. Mosaic. Silver Dax Hill. Payton Manning. And that is Stairmasters. Aaron Rodgers. That guy's a stair master. Aaron Rodgers. Oh my god. He's got some weird stairs though. Yeah, he does. I'll give you the old Stank-Eye stair. Yep. Ryan Cook. Keyante Ingram. There's Skymore Mosaic for the Chiefs. Silver Kishon. Derek Henry. Overdrive. Tiki Barber. Yeah, that's true. Baker and Sam Darnold were also MVP contenders and contenders. It does feel that Zappy and Jones are both overrated. Well, I feel that Robert Quinn. Red Malcolm Rodriguez. Traylon Birx. And Cooper Cup. I feel like with Jones, because I feel like Jones kind of overachieved last year. So I feel like he had all the hype that he had to do exactly what he did last year or else it was like a ruined season. So like, Jones is still developing. He's not going to be a superstar in year two. I think we all kind of knew that going into the draft, but I think he just really overachieved last year. Tyler Beatty. Drake London. There's Kevin Byer. Silver JJ Watt. Brian Cook. Dalvin Cook. I don't know why I said Brian. And Josh Allen. Yeah, I don't think you can write off Mack Jones yet. I just said that to mess with Blake because it's fun. But no, I would not write off Mack Jones right now. Chris Olava. Jordan Davis. There's Fred Taylor. That true. Terry Bradshaw. Treasure's RPA that we pulled of Mack. Silver Joe Burrow. Which one? Oh, yeah, yeah. Dude. That one's nasty. That patch was filled full color. Yeah. Yeah, if you got a good Mack Jones patch, dude, it's crazy. Watson Algiers. There's Ronde Barber for the buck in the ears. There you go. Scooter. Congrats, man. Nice little bit of a red color match there. Absolute legend. Favorite books growing up for the kids. Hunter Renfrew. Silver Daryl James. There's a book about him and his brother. I know which one you're talking about. Malik Willis. Bro. Nick Chubb. One of my favorite books growing up. It's a good book, yeah. I've read that one too. I like that one. I can't remember for the life of me what it's called right now. It's called either Sam Williams. There's Jay Jedis. Got a nice one on the back here. Mike Ditka. Brett Farve. And how about a Stairmaster's White. Tom Brady. Nine of 25. There you go, Bucks. Think that is Scooter again. Yes, it is. You can mag this one on it. What did I... I didn't get that card. What card did I not get? Someone said you did not get that card. I don't know what that means. You didn't get it. I have no idea what it's in reference to. You don't get it, so you don't get it. I think 400 a box. Something like that. Three... I don't know if we have it in stock yet. Dereek Young. There's Chris Olave. White Skyler Thompson at 25. The Dolphins. Swagger. Yeah, Mosaic looks great this year, man. I'm very impressed. I'm like color me impressed with Mosaic here. Mike Woods, Kenneth Walker. Blue, Rashawn Slater for the Chargers to 99. Mark East Brown Silver. Center Stage, Steve Young. Yeah, I believe it was at 25 last year. I mean to 35. And then maybe there was like a pink or something that was the 25. Yeah, rid of that. I don't know, honestly, because it's different with every sport. I just, I don't remember to be honest. Skyler Thompson, Damian Pierce. Britain Brown to 99 for the Raiders. Appreciate that, Scooter. There's Warren Sapp, Charles Woodson, Johan Dotson, and Derek Henry. What do you mean M3? What did you miss? Rhys Hall Rookie. There's Trent McDuffie. Trent McBride, Silver, base, and Brett Favre on the Stairmaster. I don't remember. Yeah, I was guessing I don't think so. M3, Breary, Danny Gray. There's David Bell, Mosaic. Silver to Cam Akers. Tom Brady, Stairmaster. Swagger, Tom Brady as well. Honestly, Dario. Logan Hall. There's Deshaun Watson. Red, Matt Corral. Joe Burrow. And Center Stage, Brett Favre. Oh, I'd say absolutely, Greg. There are playing Georgia though. That's the only thing that worries me. But I think they have a shot. I do. I definitely think they have a shot. Well, smack. There's Mike Williams, Mike Will. Stairmasters. There's, yeah, Silver and Chris Olave. Kind of agree with you. There's a weird insert. Stairmasters. Oh yeah, I don't think it'll be a blowout for sure, Greg. Jerome Ford. There's JJ Watt. Red, James Conner. Silver, Jamar Chase, Meta Mastery. Who can we write off? Who do we pull? Yeah, I mean, if you ask me who I think is going to win, I'm going to say Georgia. But I mean, I think Ohio State could definitely keep it close.  Just debut, pick it. Blue Trep McDuffie to 99 on the Rookie Auto for the Chiefs. Nice one. Mr. Biscay. Silver, Michael Thomas. Kenny Pickett, Blue Chips. Meta Mastery of Devontae Adams. Yes, they still do have Blue for Florescent. And they also have, it's called Tessellation this year too, which is out of 15. Do they have green for us? Probably. I've looked at the checklist. I just don't remember it, to be honest with you. It's called the Slime Parallel. The Slime Parallel. There's Terry Bradshaw. Red CPAT. Najee Harris. And Bo Jackson, Overdrive to 99. Blue. Genesis is retail only, Dairy Up. So I don't think we're going to pull one, man, unfortunately.  Two times in one year, honestly. Ooh, SmackDown. Return to John Cena tonight.  Is it good? Really? I couldn't tell you anything about it. I learned more top loading for Matt. Brock Purdy Rookie. For Impeccable than I ever did in any... Yeah, Tristan Werffs. Purple Zach Martin to 49 for the Cowboys. CD. Straight Fire, Aaron Rodgers. Watson or Dobbs? I like Watson more. You can find retail version at the store, not a hobby version at the store. Do you like Dotson? Jehan? Oh yeah. Big fan of Jehan. Who do you like more? Howie Long? Dotson? Christian? Silver George Pickens? Probably Jehan. Yeah, I like Dotson a lot. Holbert Blue. Kyle Hamilton for the Ravens. Nice one there. To 99. 69 out of 99. Nice. Kyle Phillips. Bob Greasy. Center stage. Greasy. Oh yeah. Yep, Missa Willis debut. I think we have a gold potentially. Maybe not. Probably a blue. Wante Taylor, probably. Rookie Otto for the Bengals. That's just a regular mosaic of Drew Brees. And Mitchell Trubisky. See, it makes sense on this one. It makes sense on this one because it's what's it called? It's the Stealer. So you see like the top of the gold? You just like to jump a gun. I do. I do like to jump a gun. Like when you got that Killian and Bopay? I'm still mad about that, dude. I'm so pissed. Yeah, two autos per box. Two autos per box. There's Jaylen Betray. Oh my gosh, I just noticed that Brock Purdy picture. Yeah, I know. Kyle Phillips. Holy cow. Chris Olave and Terrell Davis. I know what Thario said that. I was like, yeah. Yeah, I didn't even notice until he said something. Garrett Wilson debut. Silver Allen Lazard. There's Keechon Johnson overdrive. Yes, sir, TD. I wonder if there was ever a time that Rich had Sarah top loader before. Eric has a comment. There was. Yeah, because Sarah top loader for Brad, too. Tom Brady, red. Silver, Dalvin Cook. Because I remember, Brad was telling me a story once he was like, yes, Sarah was top loading. Drake one day and there's Justin Simmons. Silver, Josh Pascal. And Brett Farve, Stair masters. Christian Watson, Tyler Algiers. Tyquan Thornton, base auto for the Pats. DJ Moore, TJ Watts, Silver, Blue Chips, Drake London, Travis Kelsey. Dario, honestly, probably they're like, yeah, we're going to be fine. No one cares about Brock Purdy right now when they're making the product. They're like, we'll be all right.  Not a big deal, man. No one's going to notice nor care. Juanu, Sam Williams, there's Charles Woodson. Red Miles Garrett, Dan Marino, and Purple Archie Manning center stage for the Saints to 49. That will do it for the break, guys. Do a quick recap here. Tyquan Thornton Patriots, Alante Taylor Bengels. No, Saints. Trent McGuffey for the Chiefs, Britton Brown for the Raiders, Ronde Barber Bucks, Luciene Vikings, and Stair masters, White Tom Brady, nine out of 25 for the Patriots. That'll do it for the break. Thank you guys again for the fill. Next up, we've got another one of these.


Income tax 2022-2023. Income tax formula. Let's do some wealth preservation with tax preparation. Remember the three major tools we have available to us when learning income tax law being the tax formula, the tax forms, the tax software. Obviously these tools are interrelated but I suggest thinking of them separately because each tool lends itself to a different perspective, a different angle on the tax law. Support accounting instruction by clicking the link below giving you a free month membership to all of the content on our website broken out by category further broken out by course. Each course then organized in a logical, reasonable fashion making it much more easy to find what you need than can be done on a YouTube page. We also include added resources such as Excel practice problems, PDF files and more like QuickBooks backup files when applicable. So once again click the link below for a free month membership to our website and all the content on it. Looking at tax law from different angles in general is good because looking at any problem from different angles allows us to understand the full problem better and whenever we're solving a particular problem, choosing the correct angle to look at that problem from might make it a little bit easier, more efficient to solve that problem. So this time we're going to be looking at the income tax formula, which is usually a more of a simplified conceptual way to look at the tax code, which will be easier to visualize. So when you're going through tax problems or tax scenarios in your mind, usually we're going to have a more simplified format in our mind or possibly in an Excel worksheet that we can use to get a gist of what would happen under different scenarios. Then we have the tax forms, which is going to be a more extended type of formula. And that of course is going to be linked to the tax software, which helps us to do the data input, which populates the tax forms. Here is an example form 1040. We're populating some information into this 1040 with LASERT tax software. You don't need tax software to follow along, but if you have access to tax software, it is a great tool to run scenarios with. You can also get access to the form 1040 and related forms and schedules at the IRS website at irs.gov, irs.gov. So if we just look at the 1040 itself, then we could populate the 1040 basically by hand, manually inputting the information into the form 1040. Obviously using tax software can help us to run different scenarios more easily by doing the data input screens. And then that will populate the form 1040. So even tax professionals are not oftentimes going through the form 1040 and reading each line on the 1040, but instead they have a general idea of the structure of the overarching outline of the 1040 and they're putting the data input into the system, jumping then to the 1040 to see if the 1040 is doing what you would expect it to be doing. Now, of course, it is a good idea to go through the 1040 and look at the different areas within the 1040 and read through it. And that's going to be kind of a more complex income tax formula. And then to conceptualize that, obviously we're going to have to simplify that in our minds so we can picture or visualize what we think is going to be happening as we make changes. So the 1040 obviously upfront, up top, we've got just basically informational data, the taxpayer and the address. We'll go into this in more detail later. We got the status information we'll go into in more detail. And then in essence, you have an income statement. It's a very weird income statement. It's a tax income statement that's been influenced by tax law and other incentives and weird stuff. But it's basically an individual income statement. So you've got the income line up top. And then you've got adjustments to income. You got the standard deduction itemized deductions. And the bottom of page one is basically net income or taxable income. And then page two, in essence, calculates the income and then has any other taxes that are applied like like self employment taxes or something like that. And has the credits, which is a whole nother world of confusion. And then we have the payments to get to the to the refund or the amount that is due. Now most tax formula will also give you basically a tax formula format a more summarized way to see this unless sir, it's called the tax summary. So if I jump on over here, now I've got basically an income tax equation. It's trying to show it to me in a simplified way so I can jump to it and see more quickly what is happening. This is the type of thing that will basically visualize in our mind. I also oftentimes put this formula into an Excel worksheet so I can actually manually to some extent recalculate some of the tax return because when you do taxes, unlike when you do like accounting for a business that has a double entry accounting system that at least helps you to check if you've made any errors at least gives you some check. The tax code doesn't give you as much check for individual income taxes. So miskeying is a problem. So if you enter it into like a tax formula and double check it that way, that could be a way to better conceptualize what is going on and it can give you kind of a double check to see that you didn't miskeying a thing into the tax codes. That's my general process oftentimes. So given that let's try to look at this just with regards to the income tax formula, the thing that we're going to visualize in our mind, the thing that we will be seeing when we do actual tax preparation in basically an Excel worksheet. I'll actually build an Excel worksheet and we'll do this together that will kind of mirror the structure of the income tax system itself, the tax forms themselves. But because you could see the links in Excel, it might be a little bit more conceptually easier to see. I know it is for me. So the top line of the tax formula is going to be income. We have an income tax. Notice if you look at the actual form 1040 income is this vast area up top. Now notice that if you were to create your tax formula, most of the time if you were doing this in Excel, as we will see, you would probably make an income line and then put all of the stuff that goes into the income line in other schedules. They started to do that a couple of years ago. They tried to put schedule one, two, and three, which kind of gives more information about like income lines and expense lines. And you would think like if they started from scratch, that's what they would do. They wouldn't have everything on the first page of the form 1040. They'd say income and then all the other types of income might be in a different schedule that feeds into this income line. The reason they didn't do that at the start is because it used to be that you didn't have software to send multiple forms in and they wanted to have simple tax returns to be done on one form, not having other schedules and whatnot. But now other schedules aren't as much of a problem because we file electronically. And so it kind of makes more sense to do that. So now that's why we have in our mind, we're going to say what constitutes income, what kind of things are going to be included in income. Obviously W2 income is going to go in there and dividend income, capital gains and stuff like that. But then it gets a little bit more complex when you start to think about business income, because business income has income and expenses that we'll have to pull in with a schedule C. So you get into some kinds of income that also have kind of expenses tied to them that we'll have to pull in here. Now the income line item, also the general rule for the code is usually anything that you receive as income is basically income unless the code says otherwise. So basically if you find $100 on the ground, unless the code says that it's excluded from income, then you would think it would be income income for taxes is bad. Remember that taxes flips everything on its head. So if you have to include something in income, that's a bad thing because you're probably going to be having to pay taxes on it. What you would like to have happening is you earn income, but it's excludable from income on the tax line because the tax code says so. So basically if you had like a 401k plan or something like that, then that about might be removed from the income line item, but done so on the actual form W2 in box one of the W2. So we'll talk more about that later, but it's actually a topic in and of itself that we'll dive into in terms of what is income, what's included in income, what's not included in income. And then we have adjustments to income. So this used to be called like above the line deductions. You can call it that because they're the higher deductions as opposed to below the line deductions. You can call them deductions or adjustments to income because the reason they call them adjustments or I would think the reason they have it as adjustments is because they're trying to say you can think of it kind of like an income statement that has a contra revenue account, which is like returns and allowances. So then you've got it instead of a deduction, they caught you kind of call it a contra sales kind of item. And the reason is because they want to get down to this adjusted gross income. And this adjusted gross income is actually the number that will be used to calculate phase outs most of the time. So for example, if you've got earned income credits or any kind of credit generally are or certain types of deductions as your income goes up, then you might get less and less access to those credits because they're trying to give those benefits possibly to lower income in some cases and so on. And so they base those phase outs usually on the adjusted gross income, not on the top line income line. So that's why it's kind of an above the line item. That's why you might think of it as an adjustment to income, even though it's basically the same as a deduction. There's not as many items in this adjustments to income up top as there are in the itemized deductions, which is the main area we mostly think of when we think of the different kind of deductions. The major one that's up here above the line is going to be an adjustment for your an IRA type of a deduction is often thought of as above the line. If you think of a 401k, it's a little it's a little bit tricky because an IRA will actually be an adjustment here. A 401k or something will already have been removed from income, but it's reported on the W2. So you won't have included you will not have included it in the income line. Again, it's basically the same thing as a deduction. But basically it was taken out before you put anything into the income line by your employer on the W2, whereas an IRA is an example if they can't do that because your employer's not doing your IRA and you're doing the IRA. Therefore you have this above the line kind of deduction, but it gets to the same bottom point or in general, which would be adjusted gross income, the AGI. So that's a very important number because your phaseouts will be based on that number typically. And then we take the greater of the standard deduction or itemized deduction. So the standard deduction is a deduction basically that everybody gets. It usually goes up each year with inflation. So it's and it's going to be different dependent upon mainly your filing status and some other kind of circumstances as well, meaning are you singled head of household married filing joint. So we'll get into those filing statuses and what the impact on the standard deduction would be. But the most general concept would be well, if we're not trying to disincentivize marriage, you would think whatever the standard deduction is for a single person would be doubled basically if you're married filing joint, because now you've got two people that instead of one filing the one tax return, and that means possibly that income could be doubled. And that's generally how it works. And then head of household is kind of in between. Usually you need a dependent for that. And then you've got the itemized deductions. Now the itemized deductions is usually the place where we think of as most of the deductions like the mortgage interest deduction, the state taxes, you know, property taxes and things like that. Usually the charitable deductions mainly are in the itemized deduction. So a lot of the deductions that come to mind are in the itemized. Now a few years ago, they tried to simplify the code. And one way you can imagine they simplify the code is to say, let's just do away with all these itemized deductions. And let's do away with some of the all the stuff and just give everyone a standard deduction. That would be a way to greatly simplify the code. Obviously that's quite difficult to do. And no matter what you do to the code, there's going to be winners and losers. So what they try to do is increase the standard deduction. That's what they did, which basically means that's a step in kind of making it more simplified because now more people are just going to be taking the standard deduction. Now you would think usually that the itemized deductions are going to be helping out more well off individuals usually because the more well off you are, the more likely you're going to have higher itemized type of deductions. And that's just a general idea. So as people get more income, they're likely to be moving from a standard deduction to itemized deduction. And that usually makes the return more complex. Also just want to note that we're thinking about this as basically an it's an income tax. We have an income statement in essence. We have income minus we've looked at two categories of deductions or adjustments to income and deductions or three categories depending on how you count the greater of the adjustments to income above the line and then the below the line, which includes standard deductions and itemized deductions. Now you might think, is there a general rule with an income tax? If I was to ask somebody to make a tax code from scratch and say, what would make sense if you're going to apply an income tax? Most people would, you'd get to the point where you'd say, well, obviously I can't really tax the gross income, maybe I instead usually have to tax the net income. And this is most clear when you're looking at business income, because if you have two different businesses and you're applying an income tax to them, and one business has very little expenses and the other business has to invest a lot of expenses in order to generate their gross income, then it wouldn't be fair to tax the top line, their income line. It would only, you would think be fair to tax the net income. Otherwise you would be incentivizing businesses that have very little expenses because the one that has a lot of expenses doesn't get the tax benefit. They're getting taxed on their gross income. So in general, you would think an income tax would mean that anything that's a valid deduction would be the things that you had to expend in order to generate the revenue. That would be a natural, valid income tax type of deduction. But with individual income taxes, it's a little bit, we don't really see that oftentimes because most people work as a W2 employee. And as a W2 employee, the concept, the idea is that you don't have to pay for your own expenses in that case because the employer pays for the expenses. So the whole idea of being a W2 employee is that you don't have business expenses because the employer should be taking care of those. So and then of course, we added all these other expenses that have other social kind of rationale for it, meaning the tax code might be manipulated or adjusted by the law because they want to stimulate the economy possibly, or the tax code might change under the law because they want to incentivize one thing or another thing, such as if they want to incentivize more house construction or something, they might do something like allow you to deduct mortgage interest and stuff and stuff like that, which some of those itemized deductions you would think from a natural tax code standpoint would be kind of weird. Like why would you deduct the state taxes for the federal income taxes? You know, it's not really exactly a business expense like why and you would think the state should be separate from the Fed. So that's kind of weird. The mortgage interest thing is a little bit, is quite strange because it's your personal residence. So why would you, if it was an income tax, you didn't have to spend that money in order to generate the revenue directly. So it seems like that's a personal expense. Obviously, they have different rationale, such as they want everybody to have a house or whatever the rationale will be. We can argue whether that rationale be good or bad. It's just not exactly natural, what you would naturally think for like an income tax, charitable deductions. Obviously, again, you can see the rationale, what we're trying to incentivize charitable deductions. But again, it's a deviation from just what you would think would be natural type of deduction for an income tax. And obviously as the tax law expands over time, different kind of whatever's in the current vogue thing that they want to incentivize might make its way into a deduction or a credit on the tax code. If you look at the business taxes for like a schedule C, then you'd see what you would expect from like just a natural income tax without the government trying to manipulate, nudge people or whatever they're trying to do with other types of deductions. Obviously 401k plans and IRA deductions are an attempt for the government to nudge people to save for retirement. That's going to be the idea. They're trying to influence your behavior through the tax code. So a lot of that kind of manipulating of behavior, altering incentives is done through the tax code. Okay, so this is going to be one of the major kind of two. If it's a standard deduction, that'll be a much easier return. If you're a tax preparer, then you might try to think to yourself, where is my focus going to be? Do I mainly want to focus on lower income tax returns who are normally going to be taking the standard deduction, usually tax returns where I make less of a profit margin per return, but I can usually do a lot more returns because they should be a lot easier if I don't have all the itemized deductions and whatnot. Or am I going to focus on higher income tax returns, in which case I'm usually going to have a lot more itemized deductions, adding a lot more complexity to the situation. Because of the more complexity, I'll do less tax returns, but I'll have a higher profit margin, more money per return, and you'll probably have have more opportunity to do income tax planning for the higher income individuals. So those are a couple things that you might want to keep in mind. Obviously, then you can also think about, do I want to do individual tax returns or focus on business tax returns as well, such as Schedule Cs, S corporations, C corporations, LLCs, partnerships, and that kind of thing. And if you go into business tax returns, you might have a specialty in that area by industry and or type of business entity, meaning do you want to specialize in real estate or construction or something like that, something with inventory, and usually those industries often will gravitate first to a particular form of tax, meaning a tax type like a sole proprietorship, partnership LLCs corporation, and so on. All right, so then you've got the taxable income, that's kind of like the net income. And so now you're to the bottom line in essence, where you would think you can now apply the tax calculation on like the bottom line of in essence, the income statement, which is what happens here. But the tax calculation, as we saw briefly, because of a progressive tax system is quite complicated. So as we saw that complication, then means that we're usually going to be reliant on tax software to do this actual calculation. So in practice, all oftentimes recalculate all this information down to the taxable income to double check the data input using an Excel worksheet, but dependent to a large degree on the tax code to apply the actual tax calculation, because of the progressive tax system involved, and it's even more complex than that progressive tax system, multiple tax rates being applied to the tax calculation using tables possibly, because you might have other income subject to other kinds of taxes, such as dividends might be subject to a different tax rate, you might have like passive income kind of situation capital gains might be subject to a different tax rate and so on. So it can get quite complex, even if you get to the taxable income correctly to basically think about what that tax rate will be and we're dependent on the software to some degree. So then we've got the tax before credits and other taxes. So you might think, Hey, this is the bottom line. This is it. There's the calculation of the taxes. But no, for a couple reasons. One is because we on the income tax system, it's a pay as you go as they say type of system. So for the tax year 2022, we cannot wait until we do the tax return by April 15th or April 18th or whatever of 2023 to calculate the tax and then just pay it at that point in time. You might say, Well, they're helping us out. They're helping us out to do that by withholding during the year. Well, no, they're not just helping us out. They want their money sooner, right? You can't do that or else you'll get hit with penalties and interest. You have to pay during 2022 in order to avoid the stick of penalties and interest. So most people do that with withholdings throughout the year, the W2s withholdings, or if you have a sole proprietorship, then you have to pay estimated taxes. So we're going to of course have to compare the tax that we owe to the tax that we already paid. Now, if it was a perfect world, if it was a flat tax, if it was a simple system, if we didn't have millions of deductions and credits to kind of muddy up the waters, then it would be like payroll taxes. The amount that we owe and the amount that we pay would match and we would get no refund. We would get no amount that is due, but the tax code is way too complicated for that. We can't possibly hit it on the nose and therefore we usually shoot for a refund. The other reason we can't stop here, of course, is that there could be other taxes. We might have other taxes such as self-employment tax being one of the big ones that could be included and we could have credits. So credits are different than deductions because credits are going to be below the tax calculation. You'll get a dollar for dollar benefit on the credits versus the deduction where you just get a reduction of the tax. So next line then, tax credit and other taxes. So other taxes, you might be subject to like self-employment tax. Now notice that what we're talking about here is an income tax for the federal taxes. So we're not talking about self-employment tax, you might say. Well, what is this Medicare and Social Security shouldn't be on the income tax? Those are payroll taxes and usually they're not really going to be included if you're doing just W2 income because the Social Security and Medicare was handled by the employers and it's not really part of the income tax kind of thing, even though it is on the W2. But you could run into situations where there's problems such as you have multiple employers and the person paid too much into Social Security and Medicare or Social Security at least because they went over the cap or you might have a situation where they're not an employee but they're sole proprietorship and the government then wants to calculate the Social Security and Medicare but they can't do it through the employer, they can't do it through payroll taxes. So we in essence have to do it on the income tax with other taxes, which is going to be the self-employment tax calculation. So that's when you then have to deal with on an income tax system, the Social Security and Medicare, which are usually kind of payroll taxes, which are the self-employment tax. And then we've got and also note that the credits, when we think about the credits, we've got what we might call the non-refundable and refundable credits. So non-refundable credits would be what we would normally think of as a credit, meaning you're going to get a benefit but you can't go below zero. So in other words, if you don't owe any tax, if your tax liability is zero, like then you're not going to get what we would call a refund, right? Because your tax liability was zero. So the credit will take you down to zero if it's applicable, but it's not going to take you past that. But some of the credits are refundable because they're more of a welfare kind of program. And therefore if they're refundable, they could take you below zero, which could result in a quote refund in quote, even though it's not really a refund, it's kind of a benefit program at that point in time. Also note that credits are similar to deductions in that they're both good. So we like credits, we like deductions as tax payers. But the credit, if you had $1 of credit versus $1 of deduction, the credit would be more valuable because you would get that full dollar back in terms of a tax benefit versus a dollar of a deduction would only reduce the taxable income. And you would only get a benefit that would be dependent upon the tax rate that is being applied to the taxable income. So if you can get a dollar credit versus a dollar deduction, you would generally want the credit. But of course, the credits usually phase out and all that kind of stuff. So it gets way more complicated. Oftentimes. All right, so then we've got the total tax. So we're finally down to the total tax. And that's going to be compared to or subtracted from the tax payments and refundable credits. So if we get down to the actual tax, then we're going to compare that to what we paid in usually with the W two withholdings, but also we might have payments that we made in if we have a sole proprietorship or something like that needing to make estimated payments. And then we have the refundable credits. Notice they had to be separate on the tax return, so that the refundable credits can be those that will extend beyond taking you below zero, resulting in a refund, even if your tax liability because below zero, whereas these credits will not. So that makes the second half or the second page of the 1040 confusing. And that finally gets us to the tax refund or the tax due, which of course is the bottom line. Most people hoping for a refund if they have paid more than the tax liability, but you might end up with a tax due, which could result in penalties and interest. Remember, the whole rationale of getting a refund isn't for the joy of getting a refund and going out, you know, to dinner or something on April 15th or whatever. The benefit, the reason we do it, is to avoid getting hit with a stick from the IRS of penalties and interest. Everything we do, all the planning that we make always in our mind is I want to be in compliance with the law, but pay as little tax as possible. That's always the question in mind. How do I do that? I shoot for a refund because if I get a refund, although I'm losing some time value of money because I could have got the money sooner and either spent it or invested it earning a return on it, I'm willing to do that to avoid underpaying in which case I get hit with the stick of penalties and interest. That's the point.