Amen. Okay, keep your place there in Matthew chapter 18. We're going to get to Matthew chapter 18 in just a few minutes But first I want to just say welcome to the making sense sermon series. I've been thinking about putting this sermon series together for the last several months maybe six months or more and I was just kind of just waiting for what I thought was the right time and Maybe now is the right time. Maybe it's not but let me just give you a little bit of an introduction on How we're going to do this so this is a sermon series on Biblical advice for your financial future for your finances in your life the Bible talks about everything that you need to know in your life and Finances are no different. The Bible does talk about how you are supposed to be a steward for your finances So the way I want to run this series is I want to start each sermon with kind of a Bible study on the Topic that we're looking at and then I'm going to give you some actual very practical advice on The topic at hand at the end of each sermon. So with that being said You know, this is meant to be something that actually you can put into practice in your life something that will actually Help you.  I want to give you some very practical advice along with these Cermets and these Bible studies and it just let me say this, you know as when it comes to actual financial advice in your life You know, look, I'm not a financial advisor.  You should ask people that have had some financial success in their life So you young people, you know, if you're looking at you know advice on on how to run a business You should probably look for a brother and sister in Christ who maybe has a successful business You know things like that Don't just be bantering it amongst yourselves and think you're going to find things out because look there's a lot of very complicated Mechanisms and hoops to jump through with whatever it is that you decide to pursue in your life And people have figured this out people amongst you have figured this out So it's okay to ask questions and ask for that advice from the right people Okay, don't ask somebody who is completely broke and has been a financial failure in their life for financial advice. It makes sense, right? All right now Let's get right into it So this the topic this evening in the very first Sermon of the making sense series is probably the most serious and probably the most dangerous for you Okay So this is a topic that we're going to talk about tonight Especially as young people if you get this wrong it could literally ruin your life You could really you could really ruin and set yourself back for several years if not, you know Decades like many people do if you get this one wrong. So what I want to talk about this evening is the topic of debt I want to talk about the talk topic of debt So first of all the definition of debt is pretty obvious. It's owing something or somebody money Mainly anything really, but it's the state if you're in debt. You're in the state of owing money Okay, you say I'm in debt that means you owe you owe somebody or some entity money So let's look at what the Bible says look at Matthew chapter 18 Which is where you're at and I want to look down at the parable put forth in verse number 23 where it talks about you know this king and I'm not going to get into the doctrine of the parable But I do want to read through this very quickly for you And so you can see just a couple things I want to point out about debt and the consequences of debt look at Matthew chapter 18 In verse number 23 the Bible says therefore is the kingdom of heaven likened unto a certain king Which would take account of his servants and when he had begun to reckon one was brought unto him which owed him 10,000 talents so here was the one of his servants that owed him a good sum of money He owed him money, but for as much as he had not to pay his Lord Commanded him to be sold and his wife and children and all that he had and payment to be made now look I'm going to explain this to you as well And if you want to look up the civil war sermon that will explain to you What the servitude in the Bible is all about but this is very biblical here, okay in verse number 25 This is very biblical that you are to look servitude in the Bible is not the slavery of the 16 and 17 and 1800s in the United States, okay That was man-stealing and I explained all that in that that sermon series on the civil or that sermon on the civil war Please check that out, but servitude to pay off debt in the Bible is very fair It's very biblical. Okay. Now look at verse number 26 So this guy owed money and his Lord said, you know sell him, you know, he needs to be sold He needs to work that off look at verse number 26 He was also, you know to go with his family by the way, which was different than also the man-stealing of the slavery You know, it's you know, these people I don't want to go off on this because this isn't what the sermon is about But slavery of the 16 and 17 and 1800s in the Americas has really ruined the biblical Philosophy of the servitude of the Bible. Okay, so stealing people from you know Wherever and forcing them into labor is not what the Bible says that man-stealing is punished by death Okay, so this is quite different and it will see that it's fair, okay So he's to pay off his debt that is the the origin of this this punishment look at verse 26 The servant therefore fell down and worshipped him saying Lord have patience with me and I will pay thee all But the same servant and so that it basically in the next couple verses He forgives him the debt he has compassion on him and then in verse number 30 The the Bible says and he would look at verse 29 and his fellow servant fell down at his feet and Besought him saying have patience with me and I will pay thee all and he would not but went okay, so let me just read the whole thing I'm sorry, I skipped a couple verses then the Lord of his servant was moved with compassion and loosed him and forgave him the debt So he was forgiven because his boss his Lord had met had Mercy on him verse 28 but the same servant that was forgiven went out and found one of his fellow servants Which owed him a hundred pence so it was just a tiny fraction of what he owed the the Lord What he was forgiven and he laid hands on him took him by the throat saying pay me that thou Oist and his fellow servant fell down at his feet and besought him saying have patience with me And I will pay thee all and he would not but went and cast him into prison So I want to focus on that part of the verse 30 where it says he cast him into prison And I also want you to focus on verse 25 where he was to be sold with his wife and his children for his debt And then his fellow servants saw what was done They were very sorry and came and told unto their Lord all that was done and then in verse 34 This Lord was Roth so think about it He forgave this huge debt to this man And then he went out and just threw someone in prison that owed him a fraction of that debt to himself He did not show the same mercy. That's the doctrine here We're not going to get into that but look at verse 34 and this Lord was Roth and delivered him to the tormentors I want you to notice that part right there So I just want to show you the extreme Punishment for debt that was laid out in Matthew chapter 18 So he was to be sold into servitude number one He was to be cast into debtor's prison number two and then number three He was to be delivered to the tormentors, you know, that would obviously that the implication is that he would be forced to work Off his debt. Okay, so you say, you know, this sounds harsh, right? Like debtor's prison, but let me just give you an example I mean debtor's prison used to be a real thing, especially in Europe A debtor's prison is a prison for people who are unable to pay debt through the mid 19th century That's up into the middle of the 1800s debtor's prisons Usually similar informed to locked work houses were a common way to deal with unpaid debt in Europe Destitute persons who were unable to pay a court-ordered judgment would be Incarcerated in these prisons until they had worked off their debt via labor or secured outside funds to pay the balance The product of their labor went towards both the cost of their incarceration and their accrued debt So so much for free meals in prison, right? I mean you were literally to pay for your own care and then pay off the debt Increasing access in lenience throughout the history of bankruptcy law made the made prison terms for unaggravated Indigents obsolete over most of the world. So this is kind of what's considered old-fashioned now But look, I just want to point out that debt that unpaid debt used to get you thrown in prison Okay. Now, what does the Bible say turn to numbers chapter 30? What does the Bible say about debt actually you turn to Deuteronomy chapter 15 and I will read for you Numbers chapter 30 in verse number 2 numbers chapter 30 and well first of all, you know numbers chapter 30 verses 1 through 30 has all these rules for vows and Promises made and in numbers chapter 30 in verse number 2 the Bible says this it says if a man vows a vow unto the Lord and then it says or Swear an oath to bind his soul with a bond He shall not break his word He shall do according to all that proceed it out of his mouth So many people look at the first part of this verse and say, okay if you promise something unto God But then it says at the very last part of this verse it says or swear an oath to bind his soul With a bond, you know what that says, you know what that means that means he promises a bond is an IOU a bond is a You know is a is a certificate of debt Okay, he says if you swear an oath, you know just to pay a debt You know you shall not break your word the Bible is saying here in numbers chapter 30 now look down at Deuteronomy chapter 15 Deuteronomy chapter 15 is talking about servitude and how this servitude is to be Executed amongst brothers and sisters in the nation of Israel look God look God is pragmatic Okay, God in his law is pragmatic. What does that mean? That means that God tells people what is good and what is bad But he also gives very detailed instructions on how to go about Prosecuting life because he knows that people are going to do things that get themselves in trouble Okay, look at Deuteronomy chapter 15 in verse number one and the Bible says at the end of Every seven years thou shalt make a release and this is the manner of the release Every creditor that lendeth unto his neighbor shall release it He shall not exact it of his neighbor or of his brother because it is called the Lord's Release of a foreigner thou mayest exact it again But that which is thine with thy brother thine hand shall release save when there shall be no poor among you For the Lord shall greatly bless thee in the land which the God which the Lord thy God had given thee for an inheritance To possess it only if thou carefully harken unto the voice of the Lord thy God to observe to do all these Commandments which I command thee this day for the Lord thy God blessed thee so he's saying he's saying look He's like except in times, you know when you're incredibly blessed He's like because if you follow all the commandments of the Lord What are we learning about in judges if you follow all the commandments of the Lord? You're gonna be greatly blessed as a nation and then he's that he's like you're not even gonna have to worry about You know borrowing anything because people that are blessed, you know don't have to borrow anything look at verse number six for the Lord thy God blesseth thee as he promised thee and thou shalt lend unto many nations But thou shalt not borrow and thou shalt reign over many nations But they shall not reign over thee now verse number six is very interesting Okay, because verse number six basically says that a nation that lends unto other nations is greatly blessed Okay, a nation and then the nation that that borrows to other nations also reigns over those nations You see what that says how it ties those two things together Now look, what does that imply about the nation that is borrowing the money? What does that imply about you know the situation where you are borrowing from somebody as a nation? That implies that you are in servitude to the nation that you are borrowing from and that you are not in God's blessing More on that a little bit later Okay, but look the first Bible lesson. I want to tell you want to give you about debt Turn to Deuteronomy chapter third chapter 23 just a few pages over in your Bible The first Bible lesson I want to give you this morning about debt is this debt in the Bible is always bad Okay debt in the Bible is always bad You will never find a verse in the Bible that says debt is good We could get into salvation and talk about it this way as well But even from a monetary standpoint debt in the Bible is bad God even lays forth rules, but like I said God is pragmatic He knew that people were gonna borrow from each other so he even lays forth rules for borrowing Look at Deuteronomy chapter 23 look at verse number 19 The Bible says thou shalt not lend upon usury to thy brother Usury of money usury of victuals usury of anything that is lent upon usury you say what in the world is that? What he's saying is amongst your brothers and sisters in Christ you are never supposed to charge interest to anyone Okay, if if brother George is in I'm sorry brother. You sat in the spot. I'm gonna use you as every example That's the spot. I'm left-handed. So that's just the way it works now if brother George wants to borrow a hundred dollars from me That means that he's my brother in Christ It would be wrong according to the Bible for me to charge him interest on that to say all right Here's a hundred dollars and if you don't pay me back in a month. You owe me a hundred and five dollars It doesn't say that you could even if it's a small amount. It's wrong to do that to a brother. Okay now look Look at the Bible in verse number 20 of Deuteronomy 23 unto a stranger thou may Mayest lend upon usury, but unto thy brother thou shalt not lend upon usury that the Lord thy God may bless thee in all That thou set us thine hand to in the land where it's thou goest to possess it So look it's just giving some some instructions on debt there They knew that they were going to be God knew that they were going to be borrowing from each other He's saying hey amongst each other.  He's like that's wrong That's not how I want you to make money. Okay, but look it's still never considered a good thing debt in itself So the second Bible lesson the first one is debt is bad very simple The second Bible lesson is this turn to Proverbs chapter 22 Proverbs chapter 22 The second Bible lesson is this debt is inversely proportional to freedom You know what that means that means as your debt goes up your freedom goes down They're inversely proportional as your debt goes down your freedom goes up That's what the Bible teaches you say but slavery is illegal today We'll just listen you say I'm free but look servitude in the Bible is based largely on Debt Deuteronomy 15 is talking about people that owe money to other people look at Proverbs 22. They're simply working off their debt Turn to Proverbs 22 Look at verse 7 the Bible says this the Bible says the rich Ruleth over the poor and the borrower is servant to the lender look at Proverbs chapter 22 in verse 26 The Bible says this be not be thou not one of them that strike hands or of them that are sureties for debts This is saying hey don't sign for somebody else's debts either You shouldn't do that don't be a surety that means if you know a brother in the church says hey I want to you know do this but I can't I'm not supposed to go sign You know be a co-signer for debt for anybody because what will happen in verse 27 it says if thou has nothing to pay Why should he take away thy bed from under thee because if he doesn't pay? They're gonna come for me They're gonna come and they're gonna take away my bed from me and my family. Okay, so look look Listen very carefully here if you owe somebody money They have power over you It is that simple you are in servitude Towards that person you want I mean you want to make yourself a modern-day servant Get into debt Turn to Exodus chapter 21 or Exodus chapter 22 Exodus chapter 22 Exodus chapter 22 So first of all in Exodus chapter 21 you're gonna go to Exodus chapter 22 But Exodus chapter 21 is talking about the rules of servitude So the the Bible knew that people would end up in servitude towards each other because they would owe money They would have to pay back that money. Okay, they knew that God knew that people would get in that situation So in Exodus 21 God gives some very specific rules on how you were to be treated as a servant How you were to treat people that were in servitude towards you now Look at verse number Exodus chapter 22 and verse number one in Exodus chapter 22 with all those rules in mind on Servitude because of owing people money look at verse number one of Exodus 22 If a man shall steal an ox or a sheep and kill it or sell it He shall restore five oxen for an ox and four sheep for a sheep If a thief be found breaking up and be smitten that he died there shall be no blood be shed for him If the son be risen on him there shall be blood shed for him for he should make okay now listen to this Because because he should make full Restitution and if he have if he have nothing then he shall be sold for his theft So if I steal something from brother Phil I have to pay him back five times or four times What I stole from him and if I don't have if he doesn't kill me in the dark when I'm stealing from him Then I and I don't have the money to pay The four times restitution or the five times restitution. I'm to be sold For the debt because that's debt that I owe at that point. Okay. I don't owe.  No I owe for sheep I owe for sheep Because I tried to steal his sheep. So you say you say what it's like no one, you know No one should be in servitude to anyone You know justice for all You know, no one should ever serve anyone in the new modern world. Well, look folks. This is This is natural law Is what I want to get across to you this evening this idea that if you owe somebody something That you will be in servitude to them no matter what the laws are. Is there debtors prison today? There is not debtors prison today But look you will serve until you've paid the debt in Israel or until that seven years is up and then you're free That was the law in Israel, whichever comes first, you know, you say so look look Here's the thing. What if we had a society where nobody had to repay anything? What if we had this society where? Everybody just got to not pay their rent not pay their debts everything's just free What would happen now? Look follow me with linear thought here for a minute. Let's connect linear thought with like two dots Who in the world this is why it's natural law. This is why it doesn't matter if you think it's fair This is just the way it will always work Okay, let's say that that nobody ever had to repay anything Let's say that if you could just go and you could take out a loan and if you just decided not to pay just whatever Whatever man It's it's cool. Sorry, bro. I Didn't mean to take the two hundred thousand dollars. I'm just gonna everything was fine There was no consequences who in the world would borrow money to anybody Let's say that you just never really had to pay rent That you know it was more of a suggestion That we suggest that you pay eight hundred dollars a month and there's no Consequences for not paying your rent who in the world would rent to people What kind of crazy person would go into that kind of business? So guess what you would have like nobody renting and the few idiots that did rent would be charging Massive prices for rent is what would happen Okay, so your rent wouldn't be eight hundred dollars a month. It'd be eight thousand dollars a month and The same thing would happen with loans Nobody would want to give loans and the people that did would charge 100% interest and they would just it would be a loan shark type stuff Because nobody in their right mind. Look the more honest people there are that pay debt according to what the Bible says the the cheaper rent will be the cheaper interest rates will be It's just the more available those types of things will be it's that simple and that's that's natural law Okay, that's natural law and you know if nobody's giving loans have fun saving up two hundred thousand dollars in cash for a house Good luck, or have fun, you know saving up thirty thousand dollars for a car and Going in and writing a check for that as it comes out of your checking account. Look, it simply doesn't work It simply would never work The Bible but back to debt and servitude. This is just the way it works debt and servitude They go together. Okay, it's not it's not because society is mean It's not because society is mean. It's because that it's natural law. It's the natural It's one of the natural laws of economics. It's just the way things work. So look meaning like gravity You're like what's that's another law. It just works that way. It's very simple It can't be changed no matter what you think Okay, so debt and servitude go together. That is the second lesson from the Bible The third lesson turned to Psalm chapter 37 Psalm chapter 37 the third lesson is this Not repaying and it's perfect that you know This would be a lesson in the Bible because it keeps things in balance the third lesson is this not repaying debt is wicked Not repaying debt is wicked going and you know signing a bond and then not keeping your word and not doing that is wicked The Bible says look at Psalm 31 in verse number 21 I can't tell if the stage is cracking or if someone's shooting at us, but either way There's something popping up here. So I think it's I think it's up up here But anyway, Psalm 37 verse number 21 look what the Bible says it says the wicked borroweth and Payeth not again. I mean that's pretty straightforward right there if you borrow from people and don't pay back that is wicked I mean you're actually a wicked person. It doesn't say hey, you're acting wicked. It says that's what the wicked do No, let me ask you a question.  We'll talk about a little bit later, but here's the thing No, I mean and there's no debtor's prison here But no one's gonna no one's gonna borrow to you in America for a long long time if you operate that way So you may be able to do that, you know once I've often made the joke with my wife. We used to get all kinds of credit card applications in the mail I was like, let's just take them all out. We'll just take out like a hundred thousand dollars in credit cards And then we'll just move to a different country You know, we'll have a really good time for like, you know I don't know how long would it take to spend that kind of money a week and then we'll move to another country I'm joking of course, but look that may work one time But look at I'm gonna read for you again numbers chapter 30 and verse number 2 where the Bible says of a man vow a vow unto the Lord or Swear an oath to bind his soul with a bond He shall not break his word, but look some people still operate this way Some people still operate this way, but here's the thing Christians you forget the God factor You forget the God factor because honestly, I mean If I borrow a hundred dollars from brother George and I don't pay that back That's kind of like I mean, what have I done to him? It's kind of like stealing As a matter of fact, it's no different than stealing It's not kind of like it. It's the same It's the same in the eyes of God. That's why in Exodus 22. It's the same rules for the thief You see where I'm going with this But the Bible would say that I should work that off You know why because if I borrow a hundred dollars from brother George and I just don't have a hundred dollars I don't have anything that's worth a hundred dollars. Guess what? I still have something that's worth a hundred dollars and this is forgotten in America today. You know what I have? I have my labor. I have my arms and my legs I can go and I can mow his lawn for 15 dollars a shot until it's all paid off. I Mean, that's the Bible way. Look the Bible makes more sense Than anything that we're doing today. However, the US today Would just let people get away with it.  I mean the Bible is pretty clear on debt. I mean, this is not complicated stuff, right? debt is bad Debt is servitude whether you like it or not Whether you think it's fair or not whether or not there's debtors prison or not debt is servitude. That's it It's natural law and not repaying is wicked Those are the three things that I need you to understand now. What is the practical application here? What is the practical application? How do we take these three things and operate in our lives and function in our lives? So here's the practical application. All right. I mean look this could be the sermon right here never go in debt. Let's pray That could be it Right, that could be the practical application. Look, there's several problems with this, okay? We live you and I and all of us in this room. We live unfortunately in a debt-based society We live in a debt-based society It would actually be very difficult for most people running a business Most people doing things in their everyday life wherever they're living to not be in some sort of debt The way our society operates today Look money that is literally created today is debt Did you know that did you know that your money is debt?  He's like what? This is a bond This is Money that the US government owns go out go ahead and look at the next time you have a dollar What does it say at the top? Does it say gold certificate? Does it say this represents one ounce of gold? This is a they used to say silver certificate on on the dollars, but it says federal reserve Note is what it says.  I'm just going to break it down real quick for you Look the government needs money. Okay, why does I'm you say why does the government need money? Well, the government needs money because they spend more money than they bring in Okay, so when you spend more than you Bring in as income which we're going to talk about in coming weeks. You will be in debt You will have a misbalance there and you'll be in debt. So the government needs money Our government operates different than you should They need money so the government outsources their creation of money to what's called the Federal Reserve Which is basically a conglomeration of private banks Okay, the Federal Reserve is not a government agency Okay, the government creates an IOU in the form of a government bond Somebody buys this government bond Many different people buy this government bond including foreign nations by the way and The Federal Reserve credits the money to usually banks in the US that you know As the government as the Treasury Department sells the bond that's how it works And then through I mean we're not going to get into this but through fraction I mean so the government has just created a dollar of debt and then we put it into this banking system and it magically Creates ten dollars into the economy and that's a whole thing that you got to look into Okay, but basically by the government selling one dollar in debt and by this fancy fractional reserve banking system that we have One dollar of debt created by the government magically turns into ten dollars out in the in the world Out in the economy of the United States. Okay, it's basically it's money out of thin air But it's in the form of debt. Okay. Now. Look, there's two problems with this There's two problems with this first of all the US government now owes the money our national debt in the United States is owned by the public pensions insurance companies and Foreign countries who thinks this is a good idea to be in servitude to a foreign country and Many more look at Proverbs 22 7 again. I mean the rich rule us rule with over the poor And the borrower is servants to the lender and the second thing is this Increasing the money supply in this fashion creating ten times more You know creating a trillion more dollars out into the economy. It literally robs you The United States government by doing this is stealing from you So you say you know so all you young people out there that are waiting for the next stimulus bill Let me just tell you you should be against it.  They're they're devaluing everything that you own They're devaluing all your savings because as they dump all that extra money into the market it devalues, you know The money it devalues How much this can buy? And you say how you but look the last 20 years that the value of the dollar has lost 50% You can literally you could literally buy you can literally buy half of what you can You could 20 years ago today with this And you can see it in prices if you're paying attention in your old That's why prices by the way seem to always keep going up because they are Okay, it's not that the items are getting more expensive It's that your dollar is getting less valuable. That's what it is. Okay, and it's against savings I mean think about this gold 20 years ago was $260 an ounce today. It's $1,900 an ounce. It's the same piece of gold. It's just that a dollar is worth a lot less Today, okay. Look, that's a 700% increase. Think of this a new Chevy pickup 10 years ago was 10 years ago Was $27,000 today, it's $44,000 10 years ago That's a 61% increase. That means 6% a year your savings is just losing losing losing losing.  Well, when you can no longer afford anything you will care And you say I'm already there. Well, that's why it happened That's why you can no longer afford anything. It's not because minimum wage is too low It's because the value of the dollar has been destroyed. That's why Okay, so look debt. Let's go back to the individual debt is bad Debt is bad. You cannot operate like our country does Okay, you cannot personally operate like our country does I just had to go off on a little bit of rabbit trail there, but let's get back to the Individual let's get back to how you can operate and a lot of this look We're going to go into Jared's opinion land a little bit here. Okay, but look let's talk about debt within the bounds of the Bible Okay Since we live in a debt-based economy It would be very difficult to survive without having any debt in this country Okay, so let me just explain to you what a liability is and what an asset is Okay, so an asset an asset is something that you own Liability is something that you owe Okay, so an asset could be things like you know An asset could be like a house or even a car is an asset, you know, there's appreciating assets So assets I'm going to divide it into two categories Appreciating assets are things like land stocks bank accounts real estate things like that Those are things that appreciate the value of those things tends to go up over time and then there's Depreciating assets you own those things, but the value of them goes down over time furniture Cars don't get me started on cars Cars it's a dip. It's an asset. It's something you own, but it depreciates eventually it will be worth zero Okay, now liabilities are things that you owe like bills like loans debt and Mainly look unsecured debt is debt that you just owe and you have nothing to show for debt backed by nothing Okay, secured debt is something that is called, you know is backed by assets that you have Okay, so if you take out a loan for a car your loan is backed by that car Okay, now look I'm going to give you some advice on debt You should avoid and debt that if you have to get into is is West risky and not going to lead you into servitude Okay appreciating assets Assets that you can own that appreciate and value typically These are the things that are generally okay to have debt on that will not drive you into servitude Meaning if you want to go and take out a mortgage on a house That's not going to be something that drives you into servitude look Because of dual incomes the way the monetary system works in this country It would be nearly impossible for someone to buy a home without taking a loan today Okay, but as long as you operate within the bounds of the Bible look Psalm 37 still applies Meaning the wicked borrow it and pay it not again As long as you so I go out and I take out a mortgage on a house for two hundred thousand dollars or whatever it is I mean, I have to understand that I am promising to pay that back As a Christian that is the rules that I am under I'm under legal rules in the United States But a higher rule for me is that I have I have promised to pay that back Now look debt for appreciating assets Will generally not take you into slavery into servitude, okay? I mean think about it think about housing in California in general it increases by five percent a year So in general especially if you make a good down payment You have very low risk there by taking out debt for that asset if you can make the payment and you know You're obligated and you're willing to accept that risk Then that's generally not going to drive you into servitude and it will probably Generally end up Making your net worth more in the in the long term. Okay, so look This whole idea. Let me just talk about this idea like in 2008 and 2009 when the market crashed And everyone's like they took out a loan for a two hundred thousand dollar house and suddenly it was worth a hundred and fifty thousand dollars The market went down and everyone just took the keys and threw them to the bank and said ah I'm not paying this anymore. That is not right You Promise to pay two hundred thousand dollars for that house and the and the Bible says that the wicked Borrow with and not pay it not again So I mean for the Christian that doesn't work and look you say well You know I lost my job and I just couldn't pay Well, then you accept the risks and you accept the consequences of what happens with the credit and you know People not being able to give you a loan for several years Many many years. It's just it comes with the territory.  It's saying look when you swear it and it's something that's bad for you Like I took out. Oh, I mean I bought my house and it was two hundred thousand dollars And then next year it was the whole thing crashed and it was worth a hundred thousand dollars The Bible says that you know the Lord honors those who swear to their own hurt and just just pay that back anyway And look that though that that is what should be done.  No one's forcing you to take out a loan You know no one is forcing you to sign a bond No one is forcing you to do these things.  Then you accept those Consequences that's the bottom line. So look be appreciative of your country by the way because there's no debtor's prison here Okay, the worst case you can sell the asset and repay the debt or at least most of it worst case All but listen listen very carefully now all other debt will lead you to servitude The only debt that will not is debt incurred for appreciating Assets and there's still risk there that you must accept. Okay. Now. What are these types of debt that I'm talking about? Unsecured debt you say what's unsecured debt a credit card is unsecured debt Here's when you should get a credit card young people listen to me write this down.  I don't know like seven minutes.  They're all pointing at you laughing Like give me a break Student loans If you end up with a worthless degree or no degree, you know what that is unsecured debt And that's worse because you can't get away from that. I mean student loans.  Oh, it's zero interest Yeah, I can go you can buy anything unlike zero interest right now and then in a year and a half It's gonna be 18% interest you will be buried in debt. You can take out debt for TVs Let's talk about depreciating assets. You can you can take out loans for TVs You can take out loans for furniture no payment for 18 months Sounds good nice furniture everything right now. It will lead you to slavery Let's talk about cars. It will lead you to servitude. It's natural law. You will be in servitude You say I don't believe you then go get all the nicest stuff.   I own it Young people here's what you need to do. Look.   They don't care you promised You promised to pay for it pay for that car a certain amount of money young people you need to go find a thousand dollar car That's what you need to do and then you need to save a thousand bucks and put it into when my car breaks fund Because it's gonna break because mechanical things break and when you fix it, it's gonna break again So if you just have like you just stretch to the max and you have nothing it's gonna break You're like you're you're you're it's a ticking time bomb your life at that point these cars break They're depreciating assets and guess what if you don't take care of me You don't fix them. You don't have money to fix them then It's gonna go to zero even faster You got to take care of them. It's like the guy in the vineyard today. Look you got to take care of the vineyard Okay, if you buy a home, you don't take care of it. It literally can lose value You take care of it and it will lose value less It's the same thing with the car furniture perishable items.   You go out to eat. You're just like, I just got this money The thing just keeps working and it's it's great Until you have nothing to show for it, but you still owe the money all these debts these Unsecured debt should be avoided like the prep the plague. I mean look it will drive you into slavery You say how because with the car loans? With the credit card debt with the furniture debt with the TV debt Well, you shouldn't have a TV anyway. Were you listening this morning? What are you doing buying a TV? Car repair debt you can take out loans on break jobs. I didn't even know this until like three months ago You can finance a break job on your car. Look someone will run your credit and they will see all these debts and When it comes to you wanting to buy a home or something that's actually smart For you to buy You will not be able to You will literally be in a hole that you can't get out of And all you will be doing is making payments imagine going to work Imagine this imagine going to work and working 40 50 60 hours a week For something that doesn't even exist anymore You're literally making payment. I mean you're literally going somewhere for 60 hours a week and you have to go there Because you have to make these payments on things that don't exist in the world anymore You've eaten them You've driven them until they're not worth anything You've furniture is not worth anything anymore. You know what that sounds like to me that sounds like servitude to me Where you're forced to go there and it's not it's not to pay off all the the gold in your silo It's to pay off things that don't exist.  Debt is weakness and servitude It may feel good at first. Oh I can have and this is another problem with young people Listen you look around the church You look around the church and you look at the guys that can take I had a conversation with one of the young man a few Weeks ago and some of the guys were getting together on a Saturday. He's like I got to work and it's like you go to work Why because the guys that are getting together on Saturday. They don't have to work Saturdays.  He's got a nice house, and he's got this and he doesn't have to work weekends Well, hey go work 80 hours a week for 10 years and call me in the morning Then you can not work Saturday, but right now you got to pay your dues or dig yourself a hole Pick one Pick one. Look you can ruin yourself You can ruin yourself young people Look our country our country should pay as it goes But it doesn't so should we You need to avoid debt like the plague. I mean it's I mean honestly It's the real pandemic in our country today You know in coronavirus is just making it worse by the way I think average debt looking through things in this sermon average credit card debt in California was like $10,000 average per household So be careful This servitude this servitude that i'm talking to you about tonight. It is not it's not policy It's not something that trump or biden is going to make go away. It's not policy It's natural law meaning it's something that if you do things this way if you operate your finances this way It's going to happen to you Like if I jump up in the air I'm going to come back down It's natural law It's going to happen. So you just can't have everything right now You just have to work Hard right now and look it's more than just that you have to make the right decisions right now Because you can make decisions.  I mean it's crazy the amount of damage that debt could do to you And that's why the bible talks about it the way it does. I mean the borrower is servant to the lender. Hello It's not complicated Just take it seriously decisions that you make now will affect you look it will affect you It will affect your family. It will affect your future Of a family or not. I mean, how would you like to be a young man? With 180 thousand dollars in debt. I know a young man like this with 180 thousand dollars in debt Nothing to show for it and go around being like hey, would you like to get married? Hey Hit your hit your wagon to this mess Let's go Like um, no, thanks. He's not even that good looking He's got no chance I'm just joking But the point is that I mean the point is is that you could make a lot of decisions right now That destroy a lot of things for a lot of people for many many years So listen to what the bible says about debt. Let's bow our heads and have a word of prayer


Hey, this is Brett and this 2011 Chevrolet Camaro 2SS is stock number 13186Z. I am here at Summit Automotive in Fond du Lac, Wisconsin, your new and used sports car headquarters. This 2011 Chevrolet Camaro has a 6.2 liter V8 gas engine. It puts out 400 horsepower when it's combined with the 6-speed automatic transmission. This car has been fully-safetyed and inspected by our service shop. It has a fresh oil and filter change, all the fluids have been checked and topped off, and this Camaro is 100% ready to go. I'm going to go all the way around inside, start it up, and take a look under the hood in this video. Infernal, orange, metallic is the color. I shoot all my videos in 4K, so if you have HD capabilities on your computer, tablet, smartphone, or television, I invite you to turn them on because it is your best way to check out the quality, condition, options, and of course the cleanliness of the vehicle before seeing it in person. If you like the video and how I do things here at Summit Automotive, consider clicking the subscribe button on my YouTube channel, and then click the bell notifications and you'll get updates on the videos I do each and every day here at Summit Automotive. This one is in fantastic condition, so definitely turn those HD capabilities on. It comes with the 20-inch polished aluminum rims, and it has the Brembo brakes, and the rotors themselves look really good. It comes with Pirelli P0 245-45 ZR20s, and these tires I would say probably have 60% of the tread left, maybe a little bit more. Front fender is in fantastic condition, no dents or dings on there, looks really good. It does have the HID headlamps and the LED running lights and the factory fog lights. Front bumper is in very nice condition, I didn't see any major scuffs or scrapes or cracks in the paint. You get the black low gloss or matte finish decals. The hood is in excellent condition, I didn't see any dents or dings on there. And the passenger side front fender looks really good as well. Passenger side rim, no major scuffs or scrapes on there. And Inferno Orange has just a little bit of metal flake to it. A little bit of yellow, maybe even a little green in there too. It's kind of a cool color. Anyways, as you go down this side of the car take note of how clean the body is, how reflective and mirror like that paint is. I take these HD videos so if you are far away or even if you're close by and you just cannot make the trip down but you're still interested in purchasing the car, you can see the car, hear the car, and have confidence in the vehicle that you're looking at. Before you even get here, so when you do get here there's absolutely no surprises. And you can make a smart and informed buying decision from wherever you're at. And if this video helps you make that buying decision, let your salesmen know that you saw the video, that it was helpful, and that Brett sent you. Very nice down that side. I didn't see any dents or dings on the doors or the rear quarter. These Camaro's, you always want to check here for like rock chips and stuff. And this one's in really nice shape. Back rim is in excellent condition as well. You get the Brembo brakes in the back too. And the back tires have just as much tread as the front tires get a little bit better view than the front tires there. Underbody is very clean from what you can see. I apologize, I can't get any better view than that with my gimbal here. Coming around to the back of the vehicle, rear bumper is in very nice condition as well. And this one does have aftermarket exhaust. It is Borla exhaust. We'll turn that on and check that out in a little bit. Didn't see any scuffs or scrapes on that rear bumper. And the trunk lid is in very nice condition as well. Trunk is very clean too. And if you ever wanted to know where your RPO codes are for your Camaro, I believe like 2011 to 2015 or 2014, whenever they change body styles, there's your RPO codes. Make sure your ears has all the right options. This one has all the right options. Very clean back there. And just look inside the trunk sill. Super, super clean. That shuts nice and solidly and as you go down the driver's side, just as clean as that passenger's side. Didn't see any dents or dings on the rear quarter. And for full disclosure, this back rim is in excellent shape as well. Very, very nice. And just once again, no rock chips or anything on there. And the driver's side door is in really nice condition. It does have the heated power mirrors. Inside the 2SS package gives you the black and orange leather interior. There are no rips or tears on the seats. Back seats are just as clean as the front seats. It does have the latch child safety system for any child car seats you may have. And those seats fold down for extra storage to the trunk. Factory floor mats, Boston premium audio, power windows, power locks, or power mirrors I should say, locks are inside. And then you get this orange trim on the doors. And this is actually metal flake too, so that's pretty cool. That goes all the way around the dash, which is really neat as well. Auto headlamps will hop inside, check out the miles, the radio, everything that this car has to offer on the interior. And then we'll start it up, check out that Borla exhaust, and take a look under the hood. This car has 12,569 original miles. It does have a digital spinometer and that instrument cluster is very nice and clean. It does have the heads up display in the windshield there. You get the leather wrapped steering wheel. Notice you get the inferno orange stitching on there as well. Bluetooth and audio controls on the right and cruise controls on the left. And it does have the paddle shifters because it's an automatic. You get the AM, FM, and Sirius XM radio capabilities on here. It does have a CD player, heated seat buttons. Down here is your oil pressure, oil temp, volts and trans temp gauges. Sorry about that. Stability control and your six speed automatic transmission. Once again, inferno orange stitching on the shifter. And when I set out that orange one across the dash goes right into the door. Always thought that flowed nicely on this body style Camaro. Pass in your side seat, no rips or tears. You get the SS stitched into the headrest. This car has never been smoked in and the headliner is very, very clean. Up here you get map lights, home link buttons for your garage door security systems and lane systems, on-star and SOS buttons. And we'll start it up. Check out that exhaust. I'll open the door so when we start it up you'll be able to hear that. Clear that. All right, let's start it up. Starts right up. No check engine lights or anything like that. That Borla exhaust sounds great. Runs very smooth. I would personally like to thank you for checking out the video today. It's always a pleasure to do these videos, especially when the car is in this nice of condition, makes my job really easy. And under the hood, we have the 6.2 liter V8 gas engine. Engine bay is very clean. Runs very smooth. And once again, this car has been fully safety and inspected by our service shop. Has a fresh oil and filter change. All the fluids have been checked and topped off. And this car is 100% ready to go. There is your emissions sticker. I do want to turn those headlights on for you. I turned them off when I was showing you the heads-up display. So there we go. And like I said, once again, personally, I'd like to thank you for checking out the video. If you're still with me, there are those HID headlamps. LED running lights. Very nice and bright. And I would highly recommend this Camaro from a quality and condition standpoint. I wouldn't have a problem shipping this one to California or Florida or New York right now. I think whoever's going to get it's going to be very, very happy with the condition and quality on it. If you guys see more pictures of this car, one of our other 450 new and used cars, trucks, SCVs, minivans, Wranglers, halftones, three-quarter-tons, one-tons, Camaros, Corvettes, challengers, chargers, Mustangs, GT500s. You name it, we got to go to that website right there summitauto.com, full pictures and descriptions of every single vehicle from two locations all at summitauto.com. And if you'd like to check out more HD videos, you can go to youtube.com slash summitauto. Remember to like, subscribe, and share on this video and all the videos that you see there. I get updates on the videos I do each and every day here at Summit Automotive. In fact, in a second you will see a link to subscribe to my YouTube channel in the upper left. Link to more Camaro videos like this one in the upper right. A link to this vehicle on our website in the lower left. And a link to one of our latest YouTube videos in the lower right. Click those, check us out. And we're super excited to help you with this Ultra Clean 2011 Chevy Camaro 2SS and Inferno Orange Metallic. Thanks again for checking out the video. Remember to like, subscribe, and share on my YouTube channel. I really appreciate it. Thanks again.


Welcome to module 10, having introduced a notion of a homeomorphism and having studied some subsets of R n, let us now do various types of equivalencies coming out of the matrix, we will do it in general now. First of all, the broad aim of topology as a discipline is to classify all topological spaces into homeomorphism types. What does that mean? It means that you must describe a set of topological spaces such that any two members of the set belong to distinct homeomorphism type, that is they are not homeomorphic to each other and second thing is if anybody gives you any topological space then there must be a member in your list which is homeomorphic to that given space. That is the meaning of classification, classification of topological spaces up to homeomorphism. However, this such a task seems to be seemingly impossible. How can you list all possible homeomorphism types? How can you is not the answer? Lot of very difficult things have been achieved by the people. But here is something mathematically established that this is an impossible task. I cannot elaborate that right now because it involves deep logic, deep group theory and sufficiently deep not so deep but beyond you of algebraic topology also. So, beyond this I cannot say anything more than that. It is impossible to classify all topological spaces. So, that sounds rather a negative result and you may momentarily get disappointed oh then why should we study topological spaces and so on. That is not the case. There is no worry for that because there are enough problems other than the central problem or the broad aim whatever you wanted. Many related problems are there in topology. The solutions of which will be tractable. Tractable means what you can just looks like you can try to solve it sometimes solve it also sometimes partial answers and so on. But the final answers to be useful. So, therefore we should not get disappointed that is the whole idea. Let us begin with the definition now. A formal definition which looks like a not a mathematical definition. A property p what do you mean by property p that itself is a difficult thing to explain. So, take it as a you know just with a pinch of salt just take it as it is. Property p of topological spaces is called a topological property or a topological invariant. If every homeomorphism preserves it a little more elaborately suppose you have a function f from x1 tau 1 to x2 tau 2 which is a homeomorphism. Then x1 tau 1 has property p should imply x2 tau 2 has it and conversely x1 tau 1 satisfies p if and only if x2 tau 2 satisfies it. What are x1 and x2? They are homeomorphism to each other. So, that is the meaning of that p is a topological property. So, such a thing is called a topological invariant also. Let me give you some examples then only you may be understanding. Topological invariants are very useful in distinguishing topological types. What do you mean by type? You know you have seen that homeomorphism defines an equivalence relation how these are equivalence classes. Given two topological spaces you find a property p which is satisfied by one of them but not the other. Then obviously they will be in different classes they cannot be homeomorphic. So, this is the way you can distinguish the topological types somewhat easily. Of course, you may find that this property satisfied by both of them that does not prove that the two spaces are homeomorphic because there may be some other property which is not satisfied. You may go on listing all your known properties satisfied by both the sides still it will not prove that they are homeomorphic. To prove that something is homeomorphic somehow you have to produce that is the you know that is the only way.  Then we showed that one single ball namely of radius one is homeomorphic to the whole of r, whole of r n. Now, you can combine the two so that this is the kind of proof we have to produce in proving that given two spaces are homeomorphic. Just topological types will not help in that case. Nevertheless, so they have half the way they come namely distinguish topological type they are helpful. So, before going further I will give you I will take the support to define two things but I will meet them much later. Take a function from x1 tau 1 to x2 tau 2. We say this in open mapping I told you while defining continuous mappings that is such a thing also now I am defining that. It is called an open mapping if it takes open sets into open sets. That is all. F need not be continuous. If take f inverse takes open sets open sets then it is defined as continuous one.   So, remember closed sets are defined by taking the complements are inside open sets. So, a homeomorphism is a continuous bijection which is open as well as closed. So, this is one way why open mappings and closed mappings are important. That is why I have introduced it here. You look at this one take a continuous function what is a open subsets in a domain code domain inverse of that will be open.  That means f inverse function is an open mapping. Similarly, if suppose f is both open and continuous then it will imply that f inverse is continuous. Therefore, it will be a homeomorphism. Similarly, if f is open as well as a closed mapping then also it will happen because you may you can see that the continuity can be defined in terms of closed sets also just by De Morgan law. So, I have made you that lots of these things you can change from open sets to closed set by just by De Morgan law where function is continuous if every closed set in the domain in the code domain the inverse image is closed. So, if f is a bijection then f inverse makes sense as a function otherwise f inverse of a set always makes sense as a function f inverse makes sense first of all and it will be continuous because f is a closed map. Therefore, you take a continuous function if it is open it is already a homeomorph and sorry continuous bijection. Similarly, a continuous bijection which is also a closed mapping is a homeomorphism. So, why sometimes it is easy to handle closed sets sometimes it is easy to handle open set that depends upon the situations that is why we should have all these concepts clear to us. Now we will come to metric spaces wherein there are other equivalences other notions of equivalences just like we have in your school geometry you have congruent some congruent triangles as well as similar triangles and so on. They are both equivalences if one triangle is congruent to another triangle the another one is congruent to third one then the first one is congruent to third one and so on we know that congruence as well as similarity are equivalence relations. Similar to that we will have different notions of equivalences here but they are all metric related. So, let us start take two metric spaces X i d r. We say they are topologically equivalent if the underlying topological spaces X i tau d i's they have the same homeomorphism type that means there is a homeomorphism between them that is one thing namely topological type topological equivalence. The second one we say we say X 1 d 1 is similar to X 2 d 2 if you have a bijection from X 1 to X 2 and two positive real numbers C 1 and C 2 such that you know this d 2 distance between f x and f y is trapped between d 1 distance is between x and y by these constants C 1 times d 1 is less than or equal to d 2 of f x f y less than or equal to C 2 times d 1 again. C 1 and C 2 must be positive real numbers. If C 1 and C 2 are one what is the meaning of these they are all equal that is a very strong thing of course that also we will take that is an isometry. So, we will come to that also. First of all why this similarity is an equivalence relation you see this looks like one way I have defined f from X 1 to X 2 but it is a bijection. So, there is a map f inverse from X 2 to X 1 then I can write f inverse here and X y I take now instead X 2 then what should I take C 1 C 1 now C into C 1 I have to take d 2 d 2 here d 2 of X y and here also d 2 of X y what should I take you just look at this one what should I take to bring C 1 here it is 1 by C 1. So, then d 1 now if I can write this as f of A f of B f inverse of f inverse B then this will become AB. So, work it out I have already indicated how to do that ok. So, you have to use 1 by C 1 and 1 by C 2 in correct places and write down some similar thing for f inverse that will show you that the similarity here is what is symmetric ok. Then you have to show if f from X 2 y X 1 to X 2 then from another g from X 2 to X 3 and there will be C 1 prime and C 2 prime and so on. So, you have to get a g composite f from X 1 to X 3 as a similarity. So, that will show you transitivity of course I can take identity map here and C 1 equal to C 2 equal to 1 that will give you that identity map is a similarity. So, therefore, this similarity having a similar map having a similarity like this a bijection is an equivalence relation you have to do a little bit of verification. So, that I am leaving it as an exercise to you, but I have already indicated it and given you hint enough ok. So, this equivalence relation is a stronger than the first one why because as soon as we have this one you will see that f is continuous ok. So, this part will give you f is continuous. So, that part will give you f is f inverse is continuous. Therefore, it is homeomorphism. similarity already implies topological equivalence. So, it is similar to it is you know a stronger equivalence here. So, that implies weaker equivalence that is all ok, but they are different is what I have to ensure you that we have yet seen ok. Let us go ahead. So, I have already told you if you put C 1 equal to C 2 what you get you will get that distance between f x and f y that d 2 distance is equal to distance between x and y the points that which you started with ok. So, such a thing is called isometry. So, it is a bijection f is a bijection that is already there the distance between x and y is preserved under f d 2 of f x f y it is equal to that ok. If there is such an isometry then you will call x 1 d 1 isometric to x 2 d 2 this is very easy to see that this is a equivalence relation ok whereas, in the similarity you have to work a little hard ok. So, I want to caution you that some authors may have different names for these things ok. So, be careful to read their definition before answering their questions or whatever. Clearly isometry implies similar and similar implies topological equivalence. So, there are three concepts which you have now starting with metric spaces one is stronger than the other this implies this this implies that, but are they really stronger maybe this is this will also imply that then they will be equivalent now. So, let us see that you may notice that a self isometry of R n is nothing but a rigid motion, but now by now you must have you must have at least read and tried the exercise on rigid motion then only you will understand this remark ok. A rigid motion was defined as what any function which preserves a distance like this there was no condition of bijection. The only thing is the domain and co-domain were both assumed to be R n that is no need you can assume this one to be anything any topological space, but the same topological space on this side any sorry any metric space and same metric space on this side also ok. Rigid motions are usually within a metric space. Take x1 d1 to x1 d1 and map such that distance between xy equal distance between fx and y for our xy. Automatically you can check that it is injective, but on to-ness is an exercise or so far you do not know that it is on to and so on ok. So, that was the exercise. So, this is then stronger than a rigid motion when x1 and x2 are the same x1 d1 x2 d2 must be also equal to x d1. So, it is not different then the word rigid motion and is used. So, rigid motion is a weaker motion than this one then isometric. Isometry is definitely only thing is this is valid for between any two metric spaces ok. So, here is a theorem take two metric spaces which are similar to each other then they are homeomorphic to each other. I have already told you that I will elaborate it on that one namely start with a bijection and c1 c2 positive such that this is true for every xy right. So, that is the definition of similarity. I have to show from this one that f is continuous and f inverse is also continuous. We claim that f itself is a homeomorphism. Then it will follow that x1 and x2 are homeomorphic that is all ok. So, we have to prove both f and f inverse are continuous because bijection is already given. Notice that condition 11 can be broken up into two parts namely this latter part d2 fx fy is less than or equal to d2 of sorry c2 times d2 d1 of xy for every xy inside x1 ok. Second part you take inverse here d1 of f1 inverse a right f inverse of a into f inverse of b xy equal to this one ok bring c1 on this side 1 by c1 of the d2 of now f of that will be a a comma b for every a b inside x2 ok. I am cleverly writing this using the using the definition using the fact that f is a bijection. So, f inverse makes sense. So, suppose you have these two conditions you can give you back these conditions. So, I am writing this condition one condition is equivalent to these two conditions here ok it is broken up into two parts right. Once you have that by symmetry if I prove this implies f is continuous automatically this will imply f inverse is continuous ok. So, this 12 and 13 these these two conditions are there suppose this 12 implies f is continuous then the other one is off. What is here given so how do you prove continuity of f given epsilon there exists a delta blah blah blah right that is what you have to do. So, whenever distance between this is less than delta this must be less than epsilon if this is less than delta this entire thing will be less than c2 times delta. So, I have to only say that c2 times delta is less than epsilon then this will be less than epsilon. So, that is what I do here given epsilon positive choose delta such that delta times c2 is epsilon or delta I put epsilon by c2 then d1 of xy less than delta will imply d2 of fx yf fx fy here if this is less than delta this c2 delta which is epsilon this is less than epsilon ok over alright. So, one equivalence relation other than homeomorphism you have studied in fact two of them, but one we have shown that similarity implies homeomorphism. The other one is easy right because a special case isometry if you take c1 equal to c2 equal to 1 here you get to similarity. So, isometries imply similarity ok. So, next time we will see that homeomorphism does not imply similarity and similarity does not imply symmetry ok So, we will do it next time thank you


Live from Las Vegas, it's theCUBE. Covering Veritas Vision 2017, brought to you by Veritas. This is theCUBE, the leader in live tech coverage, and we're here covering Veritas Vision. The hashtag is VITAS, V-T-A-S, Vision. A little bit of a funny hashtag, so make sure you get that one right if you want to follow all the action. I'm Dave Vellante with my co-host this week, Stu Miniman. Michelle Van Amber is here. She's the director of Global Alliances for Veritas, and she's joined by Daniel Witteveen, who's the vice president of Global Portfolio Resiliency Services at IBM, folks. Thanks for coming on theCUBE. Thank you for having us. Thanks for having us. Michelle, let's start with you. Alliances, a fundamental component of Veritas' strategy. You got to make friends with a lot of different people. What's your general philosophy around alliances? Let's start there. Yeah, well, specifically with IBM, we've had a long-term alliance starting back in 2004 around backup and managed services. It's evolved into a very strategic alliance with IBM providing both internal IT support to migrate our key applications into their blue mix and IBM cloud infrastructure, and then also evolving the managed service around backup, strategically moving into the cloud. We announced something in March to work on backup in the cloud with IBM as part of their blue mix services. So each and every partner in our alliances has specific strengths and weaknesses, and I think with IBM we're maximizing our partnership around their strengths, and that's the services and their play in the enterprise market, where we both have about 86% overlap among those customers. So I mean, this is interesting, Daniel. I mean, IBM, big technology company, huge product portfolio, some of the products competitive with Veritas, but you're part of the services organization, so you've got to have the customer's interest first. You guys are sort of technology agnostic generally as a services professional. So what's your philosophy with regard, maybe I just laid it out, but with regard specifically to data protection and backup? So you said exactly right, right? We measure ourselves against the business outcomes for our clients, and that truly is vendor agnostic. But when you take a partnership like Veritas, and if you saw the keynotes this morning, they were talking about the leader in the Magic Lodging for the last several years, right? IBM's also been the leader in resiliency and in security. So that's an unparalleled partnership that you can't get from anywhere else. You've got a services firm that can take their software, provide a high-valued outcome to their clients, our clients, our mutual clients, and provide it in the cloud. And that could be our cloud, that could be another provider's cloud. Very significant for our clients. So every time we go to these shows, you hear about digital transformation. And it's an important topic, but sometimes putting meat on the bone is hard. So let's try to do that. And I presume you're hearing the same thing from your joint customers. We got to become a digital business. You hear that from the top. So what does that mean to your customers? What does it mean to become a digital business? So for me, I think a lot of people say that in the context of a one-time event. We have to go through digital transformation. And there's somebody who, we're there. And that's a big, wide definition of what that can mean. I think it's continual transformation. It's innovation. That's a buzzword to me that says, okay, yeah, this creates the conversation. It's a door opener. But we really have to talk about evolving transformation, cognitive learning, right? Using IBM Watson, always making us better. It's not laying out, here's what we're doing and walk away. It has to be continual. Can you add anything to that, Michelle? What are your thoughts on digital? I mean, we think digital means data. You guys are all we heard this morning is how you're the sort of center of the data universe. What are you hearing from customers on digital? Well, I think we're all including us, right? Veritas internally struggling with the same thing, right? How do you get there? How do you save cost over time? And how do you keep your business running with all the governance and compliance regulations that are coming down like GDPR, right? So there are a lot of challenges coming out of a lot of these organizations. And I think it takes not only somebody that's the leader in technology like Veritas, but then it takes somebody who's the system integrator, who is monitoring the outcomes for their customers over time. If you look at all the large accounts that IBM manages, we have a huge play for Veritas technology and use of those products in those accounts. So I think it takes more than just a point product or a point in time, like Daniel mentioned, it really takes an evolution over time and a solid plan, right? That can be, again, flexible, right? As GDPR regulations come down the pike, how do we move at the times? How do we manage those outcomes for our customers to be cost effective so that we can keep their business and grow it too? Daniel, do you want to comment on that one? Yeah, I mean, we mentioned GDPR, which I think is kind of the biggest event. It's going to be the Y2K of 2018, right? It's massively significant. But if you throw that under the compliance bucket, right? We really think about what does that mean for our clients and protecting our clients with those compliance requirements? When you look at IBM and Veritas, right? Our partnerships extensively talked about, Bill Coleman was talking this morning about meeting with the two largest banks, right? IBM covers 75% of the top 35 banks, right? We get regulation. That's our job. Customers look for us to lead that example. We have 80% of the Fortune 100 across multiple industries. So when you combine these technologies together, you combine that regulation overlay, which we have to know not just for one customer, but across all of our customers, it's really unmatched. So in addition to kind of the governance piece, what about security? It's been something in my whole career, used to get a lot of lip service today. It's board level discussion. Everybody's handling it. Resiliency services have to believe covers that as well as kind of traditional kind of BCDR type activity. Yeah, I mean, we define that under cyber resiliency, right? And that is really going from everything from threat protection, right? All the way to outage to recovery. And I think a lot of customers are struggling with that. We did a study with the Panama Institute back in May and 68% of their respondents said they lack actually a reliable, foundational way to recover against a cyber attack. And when you really think about it, everyone's been in the news over the last several months, you have to respond to that very differently than a hurricane outage, or what people think of a disaster recovery, which I struggle with that name, because it's really any kind of outage. So it's a cyber resiliency key. In fact, we have a session tomorrow at 12 30, specifically talking about our combined approach against cyber resiliency, starting from threat protection deterrence, but more importantly, when the outage occurs, how do you make sure you accurately respond? And you're not out for hours, days, and months. You're really truly out for minutes. Yes, Michelle, anything around, you know, ransomware, the cyber resiliency piece? You know, how does Veritas look at partnering with companies like IBM for these solutions? Yeah, so, you know, since we've broken off from Symantec, right? And we had a lot of security and data protection that was combined. We really look for our partners like IBM to provide a lot of that security specific services around our product. So one of the things that Daniel had developed is the cyber resilience offer that we are looking to our joint customers to provide specifically a short engagement around that to help them. So really we are starting to look to our partners to offer that security service. So I'm a little bit of an industry historian, mainly because I'm old. And so when I look back in 1983 when Veritas got started, and we heard today that Veritas has been a leader in the Magic Quadrant for 15 years. Okay, so you had the PC era, which changed, you know, backup when the pendulum swung from the mainframe into PC, and then obviously client server evolved that. And then the virtualization, you know, business changed that, so you saw backup evolve, and obviously Veritas stayed with that, you know, as a leader throughout. Now we come to digital business and cloud. And when you think of digital business and cloud, I'm interested in the impacts that it's having on data protection. I think of distributed data, analytics, edge computing, you know, the cloud itself, whole different set of technologies and processes and skill sets to manage data protection. So I wonder if you could bring that Daniel back to the customer. How are they re-architecting their businesses and around specifically the data protection side of the business? So I think the first, and we saw this with virtualization, we saw it with storage area networks, right? And we saw it with cloud. The first instinct and the first kind of sales point is, well then I don't need DR, I don't need backup, right? And it's kind of this false sense of, or I have an SLA, so I'm covered, which an SLA is just a penalty, it doesn't mean you're covered at all, right? So we've seen that at every kind of hurdle in our business. But then what we've seen when you saw like storage and virtualization is probably a perfect example. When it's more consolidated, your risk is a lot more condensed, right? So before you could have one server outage you might never have known, but now you have an entire virtual system stand or even a cloud, right? We've seen that in the press just being out. It's much more significant. So customers are taking a lot more serious look at how they're architecting those solutions, making sure they're not reliant on one of those consolidated entities, right? Do I have my data in the cloud? Do I have a way to have that data out of the cloud? And but can I run in this cloud, maybe that cloud on-prem, hybrid IT, you hear that a lot from IBM? But how can I diversify, which is a very different way of architecting solutions when you just had client server? Right, okay, anything you could add to that, Michelle, just in terms of what customers are asking you and then specifically how it might relate to some of your partnerships. Maybe no offense, but broader than IBM. Yeah, from a broader perspective, we're seeing all the cloud providers in the market and we're partnering with all of them at Veritas. Each one of them has their strength. And if you look across our partners and I've been integral in some of our accounts, right? Some of them are doing things just as simple as snapshots, right? They don't have way to index, they have a hard time recovering, things like that. So our customers are really in that high end, right? So as Daniel mentioned, we have a lot of overlap in the Fortune 1000 and they are looking for ways to recover their data like they did on-prem, but they're moving to the cloud. So our solutions together with IBM are really those heavy duty enterprise solutions that allow them to have the data recovery, same times, RTO, RPO, and also the disaster recovery programs and the security around those high end applications that have all the compliance around them. So from my point of view, IBM's the key partner in that space to allow those highly regulated customers to have the same type of data protection. So historically, you guys are in the insurance business. It's a great business, no question. And I always ask, is data an asset or a liability? And the answer is both, but if you had the value pie, clearly the pendulum is swinging and things are evolving. Is data still more of a liability in your world than it is an asset? So our CEO said it best, right? Data is a new natural resource. So data is the number one important thing within the customer environment. Without it, you don't have intelligence, you don't have machine learning, you don't have predictive added, you don't have Salesforce automation, all that is relying on data. So it's more critical. Where you could argue it becomes a liability is when you have to be compliant and you have to have that data for the next number of years. A lot of people like to promote backup success rate. Well, it's nice if you can back it up, but can you restore it, right? Can you make that data active? So that's where it can be treated as a liability, but there's no way I would say it's a liability over an asset. It's absolutely the number one asset in the business. You would agree, I presume. Yeah, I would agree. And we always use the iceberg analogy, right? You're always, the data that you really need is just at the tip of the iceberg above the water and then you have all this data hidden under the water. Like how do you make that secure and understand what you have? And so I think the analytics and some of the data protection and the tiering, right? The understanding what you readily need available versus what can be archived and stored in a lower cost tier is really important. So where do you guys want to take this relationship? When you sit down, give us a little inside baseball here. Where do you see this going over the next 18 to 24 months? It's only going to be stronger. A lot of conversations in the works about doing a lot more strategic relationships together. I'll leave it as that. We've been very healthy partners for over 11 years. You mentioned 2004 timeframe, I think. We have folks on my development team that are integral part of Veritas' product offering, right? They're very important to the feedback loop. And vice versa to the managed service. So I think that's going to get tighter. I think it's going to expand just beyond backup and I'm really looking forward to those possibilities. Yeah, Michelle? So I'm really excited about our cloud partnership that we announced in March. We, I see IBM as a key to allowing Veritas to leap into that market and to provide the enterprise strength solutions. And just really excited about our future. Great. All right, well thank you very much. Good luck for your partnership. Yeah, thank you. Thanks for being on theCUBE. Appreciate it. All right, everybody. We'll be back with our next guest. We're live from Veritas Vision 2017 in Las Vegas. This is theCUBE. Right back. Awesome, guys.


What do you do that he doesn't like and that he wants that you can't do? well very little on the On the wallet seat, but it comes up. He says why wasn't I invited to the Meeting in the White House on the crime program. Well, the reason was that invited the committee and the leadership So that's accepted that he said why haven't you briefed me on the civil rights bill? We will but again, you know, you know, you start doing this Perhaps I'm getting bureaucratic but you start doing this in terms of the members of the committee and the leadership and so forth You know, no, that's what you're hurt. He's hurt about it Why haven't you done it with me? Well, the reason is Why haven't you done it with other 85 senators? Well, I'd say number one. I haven't done it with the president yet I'm just trying to see what I can get through this goddamn committee That's what I'd say. I'd say I'm trying to feel the leaders and the committee what I can get through this committee That's what I'm trying to do and I haven't gone over this for the president. I haven't gone over With him yet our instructions To take every committee and any committee at you on bills come up to it if you if you're in reachable position Why are we called you? I don't think he accepts I don't observe that he accepts when he's invited No, no, let it get run the other way Yes, I think that I'll give you a list sometime and you can just say and I would guess he's been invited 20 times And he may have accepted three like the immigration bill in new york. He was very much there and The other day he was something here at the White House uh, the vietnam bill On military preparations for vietnam uh, the thing that he's got and I don't want to He doesn't understand this Uh, my daddy used to say some people stamp crooked themselves.  They think everybody else is now. I'm not trying to build any political organization in this country If I did I'd be aware to a democratic national committee and I'd have a hell of a hierarchy All I've done is fire everybody over there Just fire and move them all back because there's a bunch of Has bands that have just cost us a lot of money and so when they come along into orders to advertise and these $15,000 things I never heard of till they've done it And then I've been trying to get them out of it ever since and I seriously think the way we ought to do that Just send these people back the money. I told Henry Fowler to go up and testify on behalf of the amendment I don't want a corporation Being shaken down while i'm president. I said just tell williams by god.  I have no objections bobby becoming president of this country I just by god want to be a president myself and I think it ill behooves the kennedys after all I've done for the kennedys To not reciprocate the treatment that I've given them Everything they've ever asked the father the president bobby And teddy I've done except put bobby on the ticket to vice president That's all I pardoned frank borkin and I sent mars his name to the senate and I uh Named you attorney general and I've done every damn thing they asked and I went to new york and every time he asked me I went and I campaigned I traveled one end of that state the other I think if I just sent the word down the line and I thought keating would make a hell of a lot better Sending out thank y'all knock his ass off. I think they're beating nothing And I I think you ought to have a little bit of gratitude And I don't ask that but he goes around and he stirs up all this trouble. Let me show you how cheap it is yesterday The new york chairman his man came down and spoke to new york delegation and says it magna mara Who had standless best friend bobby's got in the cabinet? Maybe the exception to you but I mean of the regular cabinet man that I deal with Always takes up one always says count me in on his side record me as being in favor of bobby No Equivocation has to see a lumps in his throat or anything He gives a parent says well, you're way back in mara street new york city Why don't all of us gang up here and vote against johnson's bills until he makes peace with us That's just pure goddamn blackmail And that ought to do that to the democratic party And he and joe clark and some of these folks that are doing this joe clark's predicting We'll lose 75 seats.  He's got 30 minutes here on what joe clark's saying what this crook or blip And let's hold on to this. He's saying if clark says that he's a great ad a Liberal he says we're going to lose 75 and all we got to do is lose 77 in the republic of benchark That's where everybody gets your money together and do all you can and let's pick up those extra two seats They've already conceded 75 and that type of speech now Bobby ought to be doing that and teddy ought to be finding little ways of being away from me Uh, I found ways to To embrace jack in this program I leaned over everywhere human could and when I didn't agree as I told him I didn't know in the bay of pigs I just stood up like a man and said he did the right thing and I'm for him I didn't run or shimmy or belly could cry Uh in the cuban missile crisis. I thought that we ought to do some other things and still felt so but I didn't I didn't differ and Nobody knew it, but he and I in a secretary state but I've got a clear conscience. I don't know why they do this But both of them do it. Bobby much more so than teddy. Bobby is behind this revolt up there on vietnam. He's going around meeting with them and called in together Suggesting this and suggesting that And when russell put him on spot, which I didn't know I called russell and begged him not to he said well, I won't show these guys up I want to make a record and rub their nose in it and then let the Legion everybody understand it like I just called and played until I got him to And got mac America see him and got him to agree not to offer his motion just let morris offer his motion So that gave him a chance to get off, but he says I don't want to beat guys like nelson Dick russell did so they ought to be here to begin with And that's what they're going to do now what these liberals going to do They're not going to hurt me one damn bit because I've already recommended my recommendations I don't have to implement them and our salary is going to be paid But they're going to clean out a bunch of good liberal freshmen here by all this Disarmament in this division and it's not going to help them And if they come along the nomination, they're going to be worth a damn to them if they get it And that's why I don't understand why they can't see that Can I try that with bobby when he's I think you ought to I've never I don't say anything against him I don't have any of my staff cussing him. They're nobody out trying to defeat him I'm trying to help hell. I call him I've called him five times so every time he's calling me He came in recommend the first pause. I put it in fact purely and simply because he thought do the job I don't I think he's immature on this thing. I think the slushers and the boys advise him I don't think they're right But uh, uh, that's not the reason why I'm prided. Well, he never did either, mr president And this is one thing I could tell him You know spudging here was never No ever You know bobby would laugh at this when he was was uh You know really deciding he's got an idea though that I'm an evil, uh East lung that is trying to trip him up now if I try and trip him up Why in the living hell would I tell everybody including Wagner? To support him and I just told Wagner had no choice I not only did that I told wisely had no choice He had to get in and help him at least Stevens the one run told me if I would just indicate to him He's all right. He'd do it and I told him not to do it And I'd lay steams and never liked me to his dying grave. Well, if fella did me that way Nick I'd never forget it as long as I live I agree with you. I'd like to and I have a I have no obligation to umprey I just happen to think that umprey was the best thing that I could do as vice president Of the whole thing and I thought I had a right to do that very clear that that was right And uh, I like that just I'd like to really have Something of a free hand to take a crack Yeah, well not only a free hand, but you can you can you can deliver on this side of the dance you can produce Any comment that he hears he jumped on jack blendy out here one night just abused him something terribly And jack blendy had said a word against him wasn't true at all.  He likes him. He's my bill more years is his friend I thought he murdered bill more years the other day, but bill didn't cry word He misrepresented him.  They tell me I don't know and maybe entirely wrong, but Let me see who it was tonight. Somebody told me tonight that Bill more years told me tonight that at a Book meeting there the night they were slushed your book was up that His uh, his defense of the vietnam thing Was the same words and same phrase the same logic in bobby's speech on the negotiated vietnam And the four different people told him I guess he was the post editor aboard something That slush was bragging that he had written this speech. Well, anyway, whether he wrote it or whether he didn't He made this speech now. I came home and I heard it on radio and I heard it on television and Everybody was saying bobby's advocating Negotiating with the vietnam. I didn't see his speech. I didn't read his speech. I just heard all day Well, it ran all day all saturday afternoon. He had his meeting saturday morning a statement at the press conference And I I stretched out here in bed and took my nap and I listened to the news on the hour and on the half hour And I just rolled tumble in the bed and I listened to it for about two hours saturday afternoon Saturday evening I watched the tv news and it was there until 11 o'clock and it was the biggest place sunday morning It was all a play in the country except for right in dorsi's kennedy's effort to negotiate bed comp Then they come along and asked george ball who did not talk to me and never does talk to me and was hired by kennedy not by me But to ask george ball, what do you think about it and he commented on it then bobby comes in the bill more He says why does the administration cut loose and misinterpret my position Now george ball had done was let the press interpret and see what everybody else had said and he commented on that interpretation And when you go back, it's pretty goddamn hard to accept any other interpretation uh So uh when it got into the squabble, I told bill I said I saw him on television And I heard him say That he thought that we ought to consider seriously Doing business to vietcong Uh, so he says well his written statement doesn't say that and it's got to get an out place I said we'll just call up the networks and get a copy which we did And here's a statement on the networks Impromptu is different from his prepared statement and goes much further than his prepared statement So I bill said then how do we handle that? And I say you just say it's under kennedy Doesn't mean that he wants to negotiate with him then we are in agreement And don't get in the fight with him. So we didn't we just we played it cool But he's got a martyr complex. He thinks this white house spends 24 hours. They try and show him up Now that's why that's not trying to I like showing good. I like seeing him down here walking down the street with me I'd like to go to alexandria and make speeches with him I'd like to hear him get up there and say this administration is damn good one and mention linden johnson Any speeches he doesn't He goes all over latin america just giving me hell by saying that he never would have gone into the dominican republic And yet I got a brother his brother's memo As late as october the 12th asking magnum air to tell him how many people he can put in benzuela and Haiti and the dominican republic in 12 hours and 24 hours costed we may have to move And russ said that he would have moved in naked by himself after the day of pegs if he thought the communists were taking over one of those countries And And uh, anyway the memo the memo is there and all I gotta do is release this memo just show that his own brother was considered doing it Uh Three weeks before he died Before they had made the move He he he directed a memo to the secretary of defense


This is stock number 9259X. We are here at Summit Automotive in Fond du Lac, Wisconsin. Your new and used Ram headquarters. Today we are checking out this 2016 Ram 2500 Crew cab short box. This truck has a 6.7 liter Cummins diesel. From this HD video, you'll be able to tell that this truck is extremely clean. All the way around. It has open-country Toyo tires on it. These are 35 by 12 and a half R20s And they are on the factory 20 inch painted black alloy rims. These tires have a little bit over half the tread left. I'd say about 60 percent. You can see the frame and underbody on this truck is in excellent condition, which you'd expect for a 2016. We shoot all of our videos in 1080p So if you have HD capabilities in your computer tablet or a smartphone device turn them on now because it's like you're right here looking at the Truck with me. So this is a big horn blackout edition. So you can see it has the blacked out bezels for the headlamps, the blacked out grill, the blacked out Ram symbol, the blacked out rims, the blacked out Ram 2500 and Cummins logos. This color is brilliant black crystal Passenger side rim is an excellent shape. No scuffs or scrapes and as you go down this side of the truck You can see just how mere like and perfect that paint is We take these HD videos So if you are far away or even if you're close by and you just cannot make the trip down You can still see the truck here the truck and Have confidence in the vehicle that you're looking at before you even get here We saw a lot of these trucks out of state So we want to make sure that all of our customers have the most accurate representation of vehicles possible very clean down this side of the truck Has the black factory painted step bars Back rim is an excellent shape as well. It has the Plastic wheel guards wheel well guards frame and under bodies very clean and the back tires have just as much tread as the front tires Fram and underbody on this truck is absolutely perfect It's like that all the way underneath that has all the remaining factory exhaust So it hasn't been modified in any way and lower rockers look really good Very clean down this side of the truck So you come around to the back the rear bumper Excellent shape no major dents or dings on that it does have a full towing package Which includes a receiver hitch four pin and seven pin wiring the tailgate is an excellent condition as well No dents or dings on that it has the backup camera locking tailgate has the spray and bed liner with the fifth wheel Slash gooseneck prep package. You also get a seven pin wiring back here and the LED bed lights Tailgate shuts nice and solidly And as you go down this side of the truck just as clean as the passenger side And see just how nice that paint is how clean that body is Like I said, we want to make sure you get the most accurate representation because the last thing you want is to Drive or fly 500 miles and find out the trucks not what we say it is which is not what we would ever do So that's why we do the videos inside the big horn package gives you the gray Cloth interior. There are no rips or tears in these seats very very nice condition both these seats are Heated power driver seat. We got factory floor mats throughout carpetings nice and clean Power windows power locks. We got power folding mirrors. They are heated with built-in directional signals They power fold out as well auto headlamps and power pedals Inside you can see that this truck has 12,587 miles you got a compass outside temperature display. You also have a digital speedometer right there Heated Leather wrap steering wheel no scuffs or scrapes. You got Bluetooth audio controls cruise controls on that side This one does have the alpine sound system the 8.4 touch screen radio with the factory navigation You have heated seat buttons right there as well You can also check out your backup camera without even having to put it in reverse You can do your climate up there or you can do your climate down here You do have dual climate control for the driver and passenger six-speed automatic transmission Turn dial four-wheel drive. There's a factory brake controller stability control Factory exhaust brake there your heated seat buttons as well and your heated steering wheel You also have a hundred ten volt hundred fifty watt plug-in up here is the 911 and assist buttons Those are always active on the vehicle homelink system power slide and rear window and then the power sunroof Passenger seat is very clean as well. No rips or tears on that Factory floor mats on that side as well. This is pretty much one of the most loaded up big horns you could get Minus putting aftermarket leather in them Back seats are just as clean as the front seats.  They go around the holes to cover those up and just a bunch of other stuff down there But you have two of those panels one on that side one on this side You can put ice and drinks in there keep stuff cool Now you can avoid having to carry a Cooler with you save on space Hood is in the excellent condition. I didn't see any denser dings engine base very clean runs very smooth This truck has been fully safe to and inspected by our service shop Has a fresh oil and filter change All the fluids have been checked and topped off. This truck has been fully inspected 100% inside a note mechanically 100% ready to go and To see more pictures of this truck or one of our other 400 new and used cars trucks SUVs minivans Wranglers Half tons three-quarter tons you name it. We got it go to our website www.SummitAuto.com full pictures and descriptions of every single vehicle on our lot Videos of every single used vehicle that we have all at summit auto.com Thank you so much for checking out my video if you like it want to make this truck ears Give us a call right now<PHONE_NUMBER> ask for one of our sales associates to make this truck ears today Once again that number is<PHONE_NUMBER> thank you so much for checking out the video once again If you want to check out more videos like it go to youtube.com Slash Summit auto remember to like subscribe and share in fact any second You see a link to subscribe to our YouTube channel on your left a link to more heavy TV truck videos like this one on your right and if you haven't been to our website on the bottom a Link to this truck on our website click those check them out and we look forward to help me with this super clean 2016 Ram 2500. Thanks again