What's up everybody, welcome to the front yard fantasy hour presented by FanDuel. I'm your host, Simon joined as always by my gracious co-host, Josh and John Luke. What's up guys? Did you almost forget the name of the show, Simon? I almost forgot the name of the show, 100%. I don't know what to do with my hands. Put him down, Josh. Put him down. Perfect. Guys, also joining us today is very special guest and great friend of the show. He's got one name like Prince and Cher. We got Herms joining us today. For those of you that do not know Herms, you can find him on Twitter at HermsNFL. Sorry, he's the host of the lateral FF and the man in the fantasy space. Herms, thank you so much for coming on with us today, my man. Dude, I'm absolutely thrilled to be here. After a week of just feeling really crummy and not being at work because of sinus issues, it's nice to be able to do something fun this week, something really fulfilling. That's why we exist. We exist as an escape to your sinus issues. All the sick people in the world. Come on in. You can come on the show.   That's what we're here for. Come on, play some games with us. Hey, no one let me on when I had COVID. That's true. Just these sinus infections. I guess the rules don't apply to me. We got people in chat already cheering for you, Herms. You're developing a cheering section. Jason, let's go, Herms. Albert in here. What's up, Albert? Welcome in in Toronto. Dave Bing Bong. He hearts my arms. Jason, Josh doesn't know what to do with his hands. He never does. Just kidding. Josh maybe knows what to do with his hands. He's always running around emphatic. Jay Wall excited. We got Herms on today as well. Jason, the people love Herms. People do love Herms. He doesn't love Herms. He doesn't love the people. Jordan, what's up? Welcome in. Glad to have you here. And Kev saying bird. Bird up. And I have a crush on him. Ha ha, LOL. The ha ha at the end made it seem not a joke. You know what I mean? It seemed like Jordan trying to play it off. Oh, he he. That's very different than ha ha. Ha ha is a little bit more like I'm being sarcastic. He he's like, I'm cute and I'm, yeah. Jay Wall, please never say he he again. Guys, we brought Herms on today to play some fantasy fortune with us. He was bragging about his word puzzle skills before this. So we'll put those to the test. Josh, he said he's unstoppable at word puzzles. He's definitely going to win 1,000% No doubt it's mine. Oh, yeah. No, this is this is definitely my area of expertise. Obviously, as anybody knows, you know, when you say Herms, the first thing you think of is word. Word, words, words, words, words, words, same, same number of letters. Yeah, we're good. I heard people just call them Herms puzzles instead of word puzzles. And the viral word game, Hermsle. Every day the word is Herms. Surprise.  Stay street going. I can't believe you call us friends either. Guys, before we get started, a couple of reminders. Number one, if you are not already following our man, Herms on Twitter, go and remedy that right this instant. Truly one of the best follows in the space. Not only is he an incredible fantasy analyst, but incredibly funny and a great person as well. So make sure you guys go follow him over there. Then if you're watching this video, that means you're already on the fan dual YouTube or Twitch channels. You're on Twitch. Hit that follow button if you're on YouTube. Make sure you're subscribed to FanDuel on YouTube. Then go check them out on TikTok, Instagram, Twitter. They're at FanDuel across all of these platforms and they have an awesome team of content creators helping you guys win some money and win your league. So make sure you guys are subscribed across all platforms. Josh, you're running fantasy fortune today. I'm gonna explain the rules and then hand it off to you to get us going. I'll share the screen while you explain the rules. J-Wall said herm nanograms. We played some herm nanograms. Herm nanograms. You can't, I believe. Yeah. That looks like sister grams though in Spanish. It's sister grams. Hermana grams. Guys, today we are playing fantasy fortune. This is just like the popular game show Wheel of Fortune, but with an NFL or fantasy twist. Instead of spinning the wheel, contestants are gonna be answering 50-50 NFL or fantasy-related trivia questions. They could be about anything NFL or fantasy-related though. So don't get too locked onto the fantasy points aspect here. If you correctly answer a question, you will get to guess a continent to go on the board. For every time it shows up, you are going to get $500 added to your round bake. You keep going until you get them wrong, miss a letter, or you hit three questions and letters correct in a row. If you get three in a row right, you will have an opportunity to solve the puzzle five seconds, but then we are moving on to the next person. But you will bank all of the money that you had earned previously to that. You can buy a vowel at any point during your turn, except after a question has been asked. Vowels will cost 100 per each time they show up on the board. And if you solve the puzzle, you get a minimum of $1,000. So if you just know it, you wanna go out there and solve it. No letters on the board. YOLO solved the puzzle. You can do it. No letters, no problem. No letters, no problem. Guys, and whoever has the most money at the end of today's show is our fantasy fortune champion on this beautiful March 4th evening. It is beautiful. It is beautiful. You guys ready? It is not. Yeah, it's a little chilly here in Maryland, Herms. You think it's a little chilly outside? Yeah.  Oh, God. The weird and early weather. Our Maryland weather. I mean, beautiful flag, beautiful state, but just geez, there's no consistency. It's no. None, none, none. It was like 70, like early in the week. Yeah, it was a couple of weeks. If I didn't tear both of my pants, both of my two pairs of pants that I own this week, I would not have been wearing shorts all week, but I had to switch from pants to shorts and it kind of worked with the weather, so. Great story. That was really good. We'll get you some new pants. We'll get you some new pants now. Yeah, one torn pants is a mistake. Two. That's, that's guilt. What does Pantle not give you a pants stipend? Is that not part of the agreement? Is that not? It's passed for one. They said no. Daddy Pantle, we need a pants stipend. If we could get that going, then we'll be good to go. We don't need your promo, we need new pants. Guys, I'm going to get this game started and we're going to start it out with a toss-up puzzle. The toss-up puzzle is going to be a little bit different than what we're used to here. It's going to, it's just going to show a puzzle is going to appear on the board and it's going to slowly unveil letters and the first one that figures it out gets $500 and we'll get to go first in our game.  The first name I hear, if you think you know what the puzzle says up here, just say Herms. If I hear Herms, you're going to get answered, all right? And Fando is saying, I don't even get pants running the account. No one gets pants at Fando. If pants, if pants were running the account, this would be the best account on YouTube for sure. And Jason, Josh said enough pants talk. One more reminder for you. That's just the thing done with us today. As these puzzles go up on the board, make sure we're in the private chat. Our viewers are much smarter than we are and we'll get it in the comments before we do almost guaranteed. So make sure we're in the private chat. And guys, if you're watching this, you haven't played with us before, please play along. If you think you know the puzzle, throw it in the chat. We will shot you out if you're right and we will mock you relentlessly if you're wrong, but it's just part of the game. I like that you always say we'll mock you relentlessly if you're wrong, but like, we're never that. We don't really. We're never like, no.  Unless it's J-Wall. Unless it's J-Wall. We love mocking you relentlessly. I guess that disclaimer is just for J-Wall. J-Wall, if you're watching. Feel free to play along in the chat. J-Wall, just know we will mock you. All right. So like I said, this is going to be a Tulsa puzzle. So this is actually going to be the longest Tulsa puzzle we have ever done. And I figured we switch it up a little bit. It's not like an incredibly long Tulsa puzzle or anything, but let's see if you guys can get it. So this is a football term. It's a football term. So guys, if you know it, say your name. So let's start revealing some of these letters. All right. There's some letters up there, huh? Ooh. Huh? Jail. Oh, Jail.  I knew it.  Running back by committee. Running back by committee is the correct answer, Jail. I never know what to say when I know the answer. Your name, Jail. I know, but in the moment, I'm just like, Jail. Who was it that yelled my name? I think it was Scott Rainier, who actually had some time in his life. Right, Scott. Good job on that one, Jail. Good job on that one. Thank you. Got to shout out J-Wall and J. Both get it in the chat. Nice job, nerds. So about those J-names over at Front Yardinos. Too many of them. Literally ridiculous how many J-names we have. It's crazy. It's crazy. I'm saying that was a Tulsa puzzle. That's just to determine to see you guys first, but does give Jail a little bit of a lead to start off this game. Jail, are you ready to get into your first real puzzle here? Oh, Josh, I've never been more ready in my life. All right, we're starting out real nice and simple.  And we've got an NFL player here. I know Simon. He's getting ready. There it is. There it is. All right. Jail, we are starting with you. And I'm assuming you can't solve it? All right, cool. Jail, your first question. We're just going to go with PPR fantasy points to start this one off. Jail, who had more PPR fantasy points last season? Was it DK Medcalf or was it Deontay Johnson? DK Medcalf. I'm sorry. It was Deontay Johnson.  More fantasy points. Moving on to Herms. Herms. DK Medcalf always gets this. Dang Seattle Seahawks, Wider Savers. You're telling Simon that, all right? There's a classic running joke about DK Medcalf. DK Medcalf. Herms, you're ready for your first question? Or maybe you can solve? No, no, no. Definitely can't solve right now, no. All right. Well, your first question is going to be PPR fantasy points again. Who had more PPR fantasy points last season? Who scored more PPR fantasy points last season? Was it Jaylen Waddle or was it Stefan Diggs? I feel like I want to say one thing and that it's going to be one of those things where it's like, I got you, so I'm going to say Jaylen Waddle. I am sorry. It was Stefan Diggs. You knew it. We're getting them all day. Herms, this is what Josh does. Immediately he gets in your head with these questions where you stop thinking about what you know and you start thinking about what does Josh want me to say. And it just ruins your day. Jaylen Waddle did have one more catch than Stefan Diggs. So maybe that's what you were thinking of a little bit there, huh? I went against my own brain. OK. Josh, I'm not even going to give you an opportunity to return. I have a name that fits. And I'm going to go ahead. We're going to YOLO solve this. It's YOLO. Keenan Allen. Oh, no, it's not Keenan Allen. No, I knew it. Here's the comment. Keenan Allen is a fifth to Ding Dong. And by the way, that one said it in the chat. JR said Keenan Allen. Yeah, I don't know where there's more than one name that has six letters in the first and five in the last. I just wanted to take a shot. But really, Jay already solved it. Tim Tebow. Yeah, there it is. All right, so we are moving on to JL. One round, no letters yet. Nothing correct yet, actually. So I was just so embarrassed. I'll take a question. JL, who had more fantasy points last season? Who scored more fantasy points last year? Was it Amari Cooper or Chase Claypool? I'll go with Amari Cooper. It was Amari Cooper. I knew you were going to be like, well, I know Amari Cooper missed a couple of games. Did he? No. OK. Amari Cooper's the correct answer, JL. What letter would you like? All right, I would like to go with an R. Not going to be an R. There's no R. You were correct, Simon. Oh, no. Knocked out two names, I thought of. All right, Herms, back to you. You ready? Oh, OK. I'm guessing you can't solve, right? Still no. Absolutely not, no. Herms, who had more PPR fantasy points? We're just standing in the PPR fantasy points right now. I'm enjoying this category at the moment. Who had more PPR fantasy points last season? Was it Mike Williams or was it Mike Evans? To battle the mikes. Battle the mikes. And I'm going to say, I'm going to say Mike Evans. You're going to say Mike Evans because that's the correct answer, Herms. Let's go. Let's go. Herms wins. What letter would you like? All right, I'm going to go with the letter N. N. There are two Ns, actually. There are two Ns. Hey, look at that. See, there you go. Najee Hannis. Oh, there it is. Najee Hannis is where, oh wait, Herms is insane, though.  Oh, so Herms, you have $1,000 in your round bank at the moment. You can buy a Val here or we can go to an R quite. Or you can sell it if you think you know it. Just get a question wrong and throw it over to me. No, don't do it, Herms. I'm just going to take another question. I'm going to try and play this as conservatively as possible. Fair, you know, I don't blame you. We're going to say in the PPR fantasy points category here, who had more PPR fantasy points last season. Was it Russell Gage or was it Kobe Myers? Honest, I think by the end of it, Russell Gage managed to put together a little. Yeah, I'm going to go with Russell Gage. I am sorry, Herms, it was Kobe Myers. It was Kobe Myers. The 29th highest scoring wide receiver last season. Had one job in PPR.  I mean, it was over that down there. It seemed like you might have an idea of who this could be. I got it. Wrong again. I would like to solve Naeem Hines. Naeem Hines is the correct answer. I'm even thinking about that. You beat the chest. You beat the chest. Yo, that's hard to do. That's really hard to do. Oh, J-Wall coming in saying Naeem Hines right now. Nice. I'm pretty sure like it was like in time. He didn't hear yours and then say it. But I don't say Simon beat the chat. I still think Simon beat the chat there.  Mad props. I don't get to say that very often. All right. So, you know, love starting out with a little easy player there, Naeem Hines. You know, let's let's just keep moving here. Let's just keep moving here. Simon, let's give you your points too. I didn't even say it because I knew you were on top of it. I knew you were on top of it, John. Of course I am. You guys ready for the next puzzle? Let's do it. All right. Let's go here. This is actually a new category. What are you doing? What are you doing? Oh, jeez. This is actually a category in the normal Wheel of Fortune game, if you've ever watched Wheel of Fortune. I'm playing this game. That might be it. It could be that. Maybe you just play it doesn't fit. However, JL, it is your turn. Is that what you want to solve? No. No, thank you. No, no, no. Well, then are you ready for a question? I guess so. I don't know what I'm doing. All right. Let's let's kind of switch this up away from the fantasy points a little bit. I hope that didn't change anything there. Let's switch it up away from the fantasy points a little bit and go into some yardage categories. You ready, JL? For your first question. Oh, oh, yeah. JL loves yards. We're front yard fantasy. Who do you think named this company? Well, well, let's see if he likes yards after I start asking him some questions. I don't like anything after you start asking about it. Yeah. True or false. David Montgomery had 949 rushing yards last season. True. That is false, he had 849 rushing yards last season. I told you you wouldn't like it.   OK. OK. I don't know what just happened. Casually pulled out of kazoo. For your favorite now with sound effects. Look, you ask herms to come on the show. You get the herms effect, baby. That's what I like. We always describe ourselves as like the vision of our show to be like, you know, the tonight show for the fantasy football community. And I feel like naturally, herms, you're you're the roots. Shout out. I would love to be the quest love in this equation. Met quest love in New York once. What, dude, man? I know we're in the side of a game right now and you can't see this jail, but what jersey were in their jail? Lamar Lamar Lamar. All right, all right.  Yes, I am born and raised. Yeah, yeah. We've got most of the important teams in the AFC North represent. Yeah, there you go. I mean, if you were just a Bengals fan, we would have every important team. No, no, what? Oh, you're insulting the Browns. I got I am. Yeah, low-hanging fruit. Low-hanging fruit, you know, we got there. Yeah. Herms, true or false? Or unless you want to solve. Can you solve this? No. OK, absolutely. Herms, true or false? Najihara said exactly 1,200 rushing yards last season. That's false. I'm sorry. It's true. What? I mean, my old team. Exactly 1,200 rushing yards. I'm a betrayal to my old tribe. I know this always gets you guys, but I love asking it because it gets you guys. Simon, you ready for your question? Yeah, I'd like to solve. I'm just kidding. No, I need a question. My heart sank very boldly. I don't know why. I was like, I was like disappointed a little bit. My goal was to not answer a single trivia question this entire game, but I've just failed. Simon, that lasted long. I mean, you could try to solve. Simon, true or false? Josh Jacobs had exactly 872 rushing yards last season. True. That's true. That's true. Yeah, they're exactly the same. The misdirect. I like it. Good job. I was thinking, can you generally go off by about 100 and 972 was way too many. And 772 was not enough. So I was like, this has got to be a good number. That's a good way to think about it. What letter would you like, Simon? Give me an S. An S? There's one. I'll break it in the dough. Give me another question. You don't want to buy a valve? No. Not with the amount of funds I have. You got funds. Simon, my question for you is true or false? Stefan Diggs had exactly 1,225 receiving yards last season. False. That's true. Ah, you stinker. Was me saying false true or your statement was true? No, no, no, no. The answer, he had 1,225. We are moving. I'm trying to be mad when you're playing the kazoo and it's really hard to be mad when you're playing the kazoo. All right, JL, you ready for your question? No, but let's do it. All right, JL, your question is, who had more receiving yards last season? Who had more yards last season? Was it Marquise Brown or was it T. Higgins?  I knew you do. I love you. But I love you. I love you. I'll go with T. Higgins. T. Higgins is correct. Good job, JL. I almost have Marquise Brown. The only reason I went to T. Higgins is because I'm like, I feel like it's Marquise Brown. Therefore, it's probably T. Higgins. All right. Marquise Brown did double reversed. That happens. Happens to the best of us. I love the happy kazoo noises. Yeah, the happy kazoo is excellent. The sad kazoo, it really hurts after getting good. I'm not going to lie. Was the happy kazoo like the brrr, brrr, brrr, brrr. Is that what you're doing? Brrr, brrr, brrr, brrr, brrr, brrr, brrr, brrr, brrr, brrr, brrr. You know, I have a wide array of skills. Uh-huh. We can do it. JL. I'll go with the T. How bad choice. There are two of those. So it was a fine choice. Why not send a triple thing? The picture is becoming a little clearer. All right, this is. Oh, yes. Now you know the puzzle. JL. I need another question. Bye, Val. If you won't like. You don't want to buy them? No vows for JL? Nope, no vows. All right. Who had more receiving yards last year, last season JL, who had more receiving yards last season? Was it, was it Marvin Jones or was it KJ Osborne? Ooh. Marvin Jones. Marvin Jones is the correct answer. Great job, JL. What letter would you like? I'll take an H. I'll take an H. And there are two of those. Hey, there you go. Oh, clever. Because you thought that word was the, well, it could be thy. So you know, that's the Y next. Last word is could be an old English. So JL, this is your last opportunity to buy vows. All right, Josh, just quit hounding me. I'll take one shot. I'll take an E. An E. An E. Opportunity. An E, D. Yeah. All right. There's one of them. So the third word's not teeth. Would you like to buy another vowel? I will buy a, oh, buy a U. He's going to buy a U. There's one of them. Not where I thought it was. Yeah, that is not where I thought that was going to be. Oh, geez. Would you like to buy another vowel? Oh, God, this is so dangerous. I'll take an A. Who's going to take an I? There's two of them. He's really unveiling the puzzle a little bit here. Any more vowels, JL? I'll buy an O. No, I wanted you to buy the other one. And JL, there's only one vowel left. It does not say no more vowels. So there's, if you want to, and buy the I, no more vowels. There was an I right there. Any other question? Another puzzle, please. And JL, if you get this one correct, you will, and you get the letter correct, you will get to bank that money for the round. JL, your question is, who had more yards last season? Oh. Who had more, does Simon have an idea of what this could be? Who had more rushing yards last season? Was it Michael Carter or was it James Robinson? Michael Carter, James Robinson. I'll go with, go with Michael Carter. I'm sorry, JL. It was James Robinson. I'm sorry. I'm sorry. I'm sorry for being so rude every time you get it wrong. I just get real joy in it. It's hard for me to hide my- I love your laugh after JL.  It's funny every time he gets it wrong. I don't know why. Herms, we're back around the horn to you. How are you feeling? I feel like a question. No, I know what the puzzle is. You're assaulting, you get $1,000 for solving regardless. Go ahead and solve it if you would like. Running the 40 yard dash. Running the 40 yard dash, that's correct. Hey, check it out. Nice job. Herms number one, baby, let's go. Yeah, we did it. Look at that, look at that, see, come on. He's tied for number one. What's important is JL number three. Gotta shout out JR, getting it correct, running the 40 yard dash. And Mr. Stamper is not far behind, also getting running the 40 yard dash. I'm assuming 40 spelt out might have messed with a couple people there. But, hey, what are you doing? You're running the 40 yard dash. Good job. We didn't nobody say that, except for the people in the combine, Josh. Get out of here. You have said, like people have said it, you know? Like people, I've ran it before. People have said it. I've ran it before. And like dude, like I've seen a lot of people on Twitter measuring their hands, doing all sorts of stuff. I measured my hands.  You know, like it wouldn't shock me if that's the truth. I only run the 40 yard dash three seconds slower than those guys. That's awesome. Yeah, yeah, that's awesome. I don't even want to know what my 40 time is. I don't even want to know. I'm not kidding. I said it earlier on the show. I don't think I could finish. I think I'd fall or hurt myself. If I tried to sprint, I can jog 40 yards. Don't get me wrong. I can definitely jog 40 yards. But you did a 50 yard dash and you fell. It was not 50 yards jail.  It was end zone 50 yard line.  It wasn't a real big yard line. Do you think they can't measure yards? Jail, I think what are you saying about those 10 yards? Dallas Frisco. The Omni Hotel has no idea what a yard is. They did not take measurements in high school. That's fired. There you go. That's why that field was so small. Maybe they're using the metric system. I don't know. I just want to take a second to notice to point out that Toronto Dave, we all take pleasure in this. Real messed up, Dave. You should get yourself checked. And then he also was wondering, what's your hand size, Simon? I'm asking what his mouth size is. Mouth size, bottom 1%. I have a tiny mouth. Hand size was nine and a half. Triple jump. That's impressive. I do want to do a combine of myself. 50 is your hand size? My hand size, yeah. That's incredible, Jail. 50 inches. It's tough to live. Yeah, but I do. That's why you never see Jail's hands on the screen. And he's always getting his hands on the screen. Underneath the camera, yeah. Yeah. He's got the hands for radio. They are a handful. The hands for radio. They got the hands for radio. I'm bringing up the next puzzle.  The old added tuna. Yes. As we all know. I could casually bring that up in a conversation. You know what they say? I got the hands for radio. So guys, this is three last names of NFL players that are at the quarterback, running back, wide receiver, or tight end position. They all start with the same letter and they all play a different position. So it's not two running backs here. It might be one quarterback, one running back, one wide receiver, one running back, one wide receiver, one tight end. They all play different positions, but they all start with the first letter. And that's three last names. Does that make sense, Herms? Kind of. I think I get where this is going. I think I get where this is going. Yeah. OK, cool, cool, cool, cool. Well, since you got the last puzzle correct, we are going to be starting with Simon here. Simon, I see him counting letters. And you know how he gets when he starts counting letters. So you want to take a guess at this puzzle, Simon? No. I have two names that start with the same letter that fit in two of the slots. I haven't figured out third one. I'm probably wrong on all three, so give me a question. Yeah, probably. You probably are. Simon, I want to go to a little fun category I put together here of questions. Simon, that sounds promising. Who ran a faster 40 yard dash? Was it Devon Singletary or K-Makers? Oh, I thought it was going to be about this year. I was like, I got you. Reach back at them every day. I got you, bro. Devon Singletary or K-Makers? I have literally zero idea. Like, not even kind of an anything of a clue. K-Makers. K-Makers ran a faster 40 yard dash. He ran a 447. Devon Singletary ran a 466. Good job, Simon. You get to pick a letter. And everyone else had it or not. An M as in mother? As in mancy. Can't say that on stream. So, Simon, you are not the puzzle. The two names that I had, I was right on two of the names. I just have to figure out the last one. I would like to buy a value. I'll start with an M and they're all different positions, guys. Buy a value, Simon. I would like an O. Oh, there's definitely going to be some O's. Well, I have to pick a name that fits in that plot. I would like an E. It's going to buy an E. Oh, I have so lost there. There's no E's. OK. Oh. OK. I need I would need a question. All right, Simon, what's the question? Simon, what's the question in in Mel Kuiper's latest mock draft? Yes. Who is the first wide receiver off the board? Is it Garrett Wilson or Drake London? Garrett Wilson. I am sorry is Drake London. Shoot. But they are the top two wide receivers. Drake London would be going to the Browns in his mock draft. And Garrett, Garrett Wilson, I believe, was going to the Ravens in that mock. I am so upset that I don't get to solve this puzzle. Like I was there with two of them. Like I'm just. Yeah, that's upset because you pretty much. I mean, I lost it. I knew the first letter was M. I just unlocked it. Which is the one you can't get, Simon. Jail, you know what? This is my gift to you. This is my gift to you. Thank you. Can you solve this, Jail? You still have to get it. Can you solve this? I can solve this. It's Mayfield, Montgomery, Mooney. I heard what you said. You're kind of breaking up a little bit, but you did get the answer. Correct. Mayfield, Montgomery, Mooney. Great job, Jail. Let's go. As in Baker, Mayfield. Is that the one that you couldn't get, Simon? That's the one I couldn't get, if we're being honest. I had my. I'm sorry, quarterback for the Browns. Yep. Yep. I had Montgomery and Mooney. I just, you know, I don't think that Baker Mayfield is a quarterback. I think of him as like an enigma. He's above the quarterback position. And so that's why, like, when you said it was a quarterback, he just didn't even enter my mind because, like, he's so much more than a quarterback. Television. Kevin says hi to you, by the way, Jail. Hey, Kev. Dame, Dame, pretty early on. He said McLaren, right after the M's, he said this. And it was, she said, like, people are impressed. Like, not a bad game for you. Impressive, right? And then Joey, it seemed like they thought it was correct. And then J-Wall even played off of it and said, Mummy. Not a bad game. Jail, my mom's name is spelled with a Y, not an IE. It's M-L-N-M-Y. So, Jail, you beat the chat. Woo! You beat the chat. I think it's because the chat thought it was McLaren and it wasn't. That makes sense. That makes sense. I never said they were franchise players. I never said, oh yeah, I think she's making a joke there. I think she's just making a joke. Simon, is Baker Mayfield a franchise quarterback? I think so. And I know that's an unpopular opinion, but whenever he's healthy, he's good. He likes to play through injury. He's, it's part of the mindset that made him the quarterback that Cleveland needed to ride the ship. He's, I hated him in college for the same mindset when he was with Oklahoma. He's kind of always got a chip on his shoulder, kind of guy and takes it out in what looks like a cocky way. He's confident and he wants to be on that field. And so this year we saw him, whenever he was healthy, he's an above average NFL quarterback, which is enough to be a franchise quarterback in this league. But whenever he's injured, he is abysmal. And that team... He dealt with a lot of injuries this season. Absolutely. So I understand the concerns about him. I understand why people dislike him, but I urge you to look at, go look at stretches where he's been healthy. He's been an above average quarterback when healthy. He's not Lamar Jackson. Hell, he's not even Joe Burrow, but I do think he's a franchise guy. If Kirk Cousins is a franchise guy, I think Baker Mayfield can be as well. What about you, Herms? Do you agree with Simon's take there? Yeah, dude, I definitely do. And also shout out the lateral show, the lateral podcast. I actually recently just did an episode covering the AFC North, kind of look back, look ahead. And I had my buddy on who's also a Browns fan and also somebody else who went to Oklahoma during the time around when Mayfield was there. And they all kind of agreed. It's just like to bounce off of what Simon said. When he's been healthy, there's that chip on his shoulder mentality that just really gets him over the top. And also the fact that he got hurt around the same time that starting tackles on the team got hurt and other players around him got hurt, it wasn't just him that got hurt. You know what I mean? It all kind of fell apart for the team around him at around the same time. So it's like, you kind of have to throw that out a little bit and look at how he ended 2020. That's I think a better indication of what Baker Mayfield can be than anything we saw this past year. I agree with you, I fully agree. And that's honestly like as a Browns fan, if anything, I should be harder on our starting quarterback as I have been in the past. But I believe in Mayfield. I think he can be a long-term starter for this team. Well, the jury's obviously out. That's the first time I've thought that since I've been a Browns fan, just so that's clear. Like I have not thought that about a single other Browns quarterback since I've been a Browns fan. So I hope Mayfield can pull it together, stay healthy, they can keep an offensive line healthy. One quarterback they gave the contract to, was it Case Keenum? It was Case Keenum I think. They gave a nice, decent chunk of money to at one point for a few years. I'm pretty sure Case Keenum's just on a contract where he's the backup quarterback for every NFL team. For every team in the NFL. Yeah, I think he just has a contract. So if a quarterback goes out, Case Keenum plugs right in. Yeah, no, this is a make-up break year for Baker Mayfield regardless of what we're saying here. If he performs well this year, people are gonna be buying in. If he doesn't, I think pretty much everyone's gonna be out. Maybe even you Simon. It was Derek Anderson. It was Derek Anderson. That's who it was. Jay just put it in the chat there. Josh it was Derek Anderson. Yeah, he had like one really good year. They gave him like a really good contract after that year and never really panned out. All right. Trying to name all the former Browns quarterbacks to something tonight. That's a very, very tall task. I can't do it as a Browns fan. Like there's no way. Shout out Seneca Wallace. Shout out some of the, like, oh boy. All right. We're moving on to our next puzzle. Jail, good job on that last one. Getting it correct. Thank you. Before the chat. I think the team on stream is beating the chat so far today, which is rare. This is a phrase.  It's related to football. Okay. I can't for what it is. It's a phrase. Yeah, I'm sure everyone has seen something to this effect. Everybody has seen phrases before. Yeah, exactly. You get it Jail. It's Herms, you ready? You ready for your question? We're starting out with you. Born ready. Absolutely.  Yes. Hello. In Mel Kuiper's latest mock draft, the first offensive player off the board was a wide receiver or offensive lineman. Offensive lineman. That is correct, Herms. It was an offensive lineman. Great job. What letter was it? Evan Neal, I think, right? I think it was Evan Neal at number three, if I remember correctly. Dude, I saw a photo of him. And I was like, how is this? Cause he doesn't look like that stocky either, but I think he weighed in at like 330 some pounds. I was like, How? He's got the whole pack. He's athletic. He's muscular. Yeah, he's just, yeah, he's built different. It's a beast of a man. Yes. What letter would you like, Herms? T-shoes. H for Herms. Let's do this. H for Herms. I like it. There's only one of them, but at least it's up there, huh? Nice. All right. You should have that going for me. You could buy it now if you would like Herms or we could just move on to another question. Yeah, I'll take another question. Herms, my question for you is who ran a faster 40 yard dash? Was it James Robinson or Ezekiel Elliott? I don't even know if James Robinson went to the combine, so I'm just going to go with Ezekiel Elliott. Ezekiel Elliott ran the faster 40 yard dash. He ran a 447 to a 464 for James Robinson. Good job, Herms. What letter did you like? Yeah, flawed logic, but I got the answer correct. So there you go. That's all that matters. Believe me, I have not about the journey. It's about the destination. That's what they always say, right? Oh yeah. So they always say. Absolutely. What letter would you like, Herms? I'll take R for Herms. There's one R for Herms. There it is. Slowly, please, we get together. We get Herms. If I was a pirate, that's what Herms. I got to mention this. You won't have another opportunity to buy Vowels this next round, so this is your last opportunity.  Oh, good. Oh, good. You're good on Vowels. See, I just wanted to hear from you. Gosh, do you get like a commission for every Vowel that we buy? I don't understand why you're pushing this so hard. Are you kidding me? He gets $5 in Colescatchers. I was going to say under the table, Colescatchers. It's really just a guess thing. I know the guests don't always understand our rule that we put into this game.  Yeah. Okay. No. I can't win here. I can't win here. I can't win here. All right. No, but I feel like if I don't give Vowels, I am also making it harder for the other two. So that's kind of my logic. Herms, I'm with you. My logic is. Sure, it would make my life a little easier solving the puzzle, but it would also make their lives easier solving the puzzle. So I just want this to be as difficult for everyone. Like that's not OK. Herms, I only buy Vowels when I think I can solve. I will not buy a Vowel unless I think I can solve it that turn. I'm with you. Bingo. That's OK. Yeah, right here, I probably wouldn't buy Vowels if I was in your spot. But I want you to know that there's an option to. But you wouldn't have a question, right, Herms? Absolutely, I do. Yes, let's get this ball rolling. We're going back to PPR fantasy points. Who had more PPR fantasy points last season? All right, Herms, that's your question. Who had more PPR fantasy points last season? Was it Alvin Camara or Nick Chubb? Nick Chubb. You're going to Chubb. I'm sorry if it was Alvin Camara. I'm just going to Nick Chubb. I'm just feeling that in a non-PPR league, you probably were correct, however. I was begging too much on the injury. That's really what that was. Because I have Alvin Camara on a couple of teams, and I remember he was a little disappointing. Nick Chubb missed a couple of games as well. And that's maybe where he. Well, yeah, yeah, yeah. Rainfall. Alvin Camara played in one less game than Nick Chubb did. So I still have more fantasy points, though. I'm sorry, Herms. That was a little bit of a tougher one, but we're going to Simon. Simon, how are you feeling? I need a question. Simon, who ran a faster 40? AJ Dillon or Zach Moss? Thank you. Thank you for this. Yeah, no problem. I got you, baby. Baby boy. Baby boy. God, you baby. AJ Dillon can't go that fast with so much weight on his lower body, I'm assuming. You know what I mean? Those quads are just unreal. I know they probably help them run fast, but they weigh them down. And there was so much hype around Zach Moss last season. I have to assume he showed up somewhere. I'm going to say Zach Moss. I'm sorry. It was AJ Dillon. A big appeal of AJ Dillon coming out of the draft was the fact that he was so freaking big and was able to run a 453, which isn't the fastest 40 in the world. But for his size, that's really freaking fast. So AJ Dillon, he ran a pretty fast 40, especially the first time I saw him. Well, now I know I need to study my 40 times.  I think you're with all the hype to combine right now. This is the perfect time to ask some 40 questions. And JL's not going to get away from it. I believe in you here. Do what I couldn't do. Take Josh down. Get this question, right? You've got it, Simon. I won't let you down. JL, who ran the faster 40? Was it Cream Hunt or Nick Chubb? Cream Hunt. Cream Hunt did not run the faster 40. Butthole Josh. I would assume he did too. I feel bad about that one. I feel bad about that one, but Nick Chubb ran the faster 40. Herms, we're coming to you. All right, we're going to do one more 40 question here. If you get this one right, we'll go away from it. But who ran the faster 40? Was it James Conner or Derek Henry? I remember Derek Henry ran a lot faster than I thought he would. I'm going to go with Derek Henry. It's the first thing that popped up. Derek Henry's the right answer. I'm going to take it. Good job. Good job. All right. Get in the 40 question, right? You did it. They said it couldn't be done, folks. But here we are. You did it. Look at you. What letter would you like, Herms? Jeez, I will take M for Herms. M for Herms? There's two of them. There we are. Herms? I don't want to say it, but you're allowed to buy vowels if you want. I wouldn't suggest or anything. Do you want to buy a vowel? I cannot solve it right now, so no. All right. Well, see, here's the thing. If you only are able to solve it, why would you even ever buy vowels? It's like, I can't solve it. That's the point. That's the point. I'd say you would never buy a vowel. I mean, I would if it was a smaller puzzle, but because there's so many different words here, it's just like, I don't think it would help me at this point. Like, you've got to play those mind games with yourself, folks. Well, Herms, I got a question for you, all right? I think you're ready for it. Are you ready for it? Probably. I don't know. All right. Well, did Cooper Cup have over under 135 catches last season? He went over that. He did. He had 145. Violin went 10 lower. Good job, Herms. Let's go. What letter would you like? I will take S for Herms. I wonder what you're going to do next. There is an S. Would you like to buy a vowel? You can buy a vowel. You know what? I'm going to go for Herms. I'm going to go out on a limb. I'm going to buy a vowel. I'm going to buy the E for Herms. Perfect. There are two of them, Herms. Now, you've got your whole name out here, and each letter has been there. Would you like to buy another vowel or another question? I'll take another question. All right. All right. My question for you, Herms, is did Hunter Renfrow have over or under 93 catches last season? I think I'm pretty sure he went over that. So you're going with her? Yeah. Yeah, Hunter, you're going with her. Yeah! Woo-hoo! Woo-hoo! What's up? What's up, dude? I'm chilling out here in these streets. What's up? Yo, it's a boy. What letter would you like? I will take the letter C. C? I'm sorry, guys. Oh, god. Well. Simon, question? Yeah, I've got the last three words, and I think the first one. Yeah, that's very easy. Yeah, I have no idea what's going on before that. Say you want a question. Yeah. All right, Simon. Did C.D. Lamb have over under 89 catches? Under. He had under 79. Good job, Simon. What letter would you like? L. He's going to take an L. There's one L, Simon. There's one L for him. This is very difficult. I would like to buy a vowel. I'll buy an A. You're going to buy an A. There are two of them. You can't buy any more vowels, Simon. So unless you can solve, we are just going to go ahead and move on to the next question. Is that cool? Yeah, there's just one word. It's one word I can't think of. I got it. OK, go ahead, Josh. Did Ezekiel Elliott have over under 57 catches last season? Under. He had under. Great job, Simon. What letter would you like? N. And N is in Nancy. Yes, there are three of those. Oh, I would like to solve the puzzle. Go ahead. Playing Madden with my friends. Playing Madden with my friends. It's Carnell Mooney with my friends. Everybody knows that. Look at this. Getting Mooney with my friends. I thought it was Mooney. Playing Monkey with my friends. I always play Monkey. Dancing Monkey still plays. Still plays. Playing Mooney. Dancing Monkey still plays. I got you guys with that one. Throwing in Madden. I got you guys a little bit. Getting Mooned with my friends. Mooned. See, I never get Mooned with my friends because I'm always on the other end. I'm the Mooner.  You're right. And, you know, I take that back. I got you good. Yeah. Good job on that one. Guys, we don't have a lot more time here, so I just kind of want to move on to the next puzzle. Let's do it. I was so ready before, but now I'm not. I swore it was Darnell Mooney with my friends. Kerms, would you rather go to a phrase or a crossword puzzle with football words? Oh, you know, football words. Let's listen to football words. I'm a big fan of football words. All right. I think of all types of words. Those are probably my favorite kind. Maybe not the best puzzle now I'm thinking about just because there's less words here, less letters for you to catch up. But no one's out behind. We're all very close. Yeah, I know. Jail, you're up first. You want a question? Yeah. Since I threw together so many of these, who had a faster 40 time? Was it Christian McCaffrey or Saquon Barclay? Saquon. Saquon's the correct answer, Jail. What letter would you like? It was actually a 440. Do these around 444? Which is really incredibly fast for his size again. Yeah. 225 or 235, like 511. I'll take a P. I'm going to take a P. There's no P. Baw, Kerms. There's so many P football words, Jail. That's why I went without it. Punt, pass. And Kerms, who ran a faster 40? Was it Cooper Cup or DJ Moore? DJ Moore. DJ Moore ran a faster 40. Good job. What letter would you like? Shout out to the Maryland Terrapins. There you go. Hey. Hey, yeah, yeah, yeah. Terps. All right, I'm going to go with F. F. There's one F, Kerms. That was an unconventional pick for your first letter. Well, I figure, you know, F football. OK, we got to start. Exactly, exactly. That's what I like to talk about. Well, Kerms. Totally unrelated to this puzzle. How do you spell Buffalo? With two Fs and one L. OK. Not just a hat rack, my friend. OK. Kerms, within five touchdowns, tell me how many touchdowns rushing touchdowns Jonathan Taylor had last season. I know this answer. Within five. Shoot. I'll sit. 20. There you go. 20 at 18. There you go. Oh, 20 total. What letter would you like? Yeah, 20 total. I always go with the letter. There's a lot of L's, you know what I'm just going to say L. Just in general, there's a lot of L's. There's not many L's. No, not in this one, but just in general. Yeah, in life, you'll come across so many. Simon, catch all the L's. OK, I got I got the word. I know the F word, but I need I need some questions. I don't think we can say that on this stream. Suspended. I get it. I get it. I get it. I get it. Simon, within 100 receiving yards, tell me how many receiving yards Adam Thielen had last season. No, thank you. No, thank you. It's within 100. Within 100. 902. I'm sorry. That was not within 100. That was not within 100. I actually lost. It was 726, 726. Jay, I thought he was in the 800s, and that would cover me and then also cover me in case I severely underestimated Adam Thielen, which I'm known to do. Yes, of course. I'll take an R. Within 100 yards. Jail within 100 yards. How many receiving yards did AJ Green have last season? He had 683. Sorry, that's too low. 848. Did you check, though? Did you do the math? I'm looking at it right now. OK. OK. How are you feeling? Ready to win. Within 100 receiving yards, tell me Chase Claypools. Oh, jeez. I know it was painfully underwhelming. Oh, yeah. I mean, I'll put it at like 450 just to give myself some. I'm sorry, it was higher. It was in 800s. See, like, I know that's probably correct, but it did not feel that way. It really did. I had a couple of Tennessee teams, and I'm right there with you.  It probably felt like 400 yards. It was a very painful. The last three seasons have been very painful to watch. It's been, oh, God. OK, Josh, I need a question. Simon. I still only have one word. Simon, true or false, the New York Giants had the most turnovers last season. It just seems like the odds are in my favor saying false. I'm going to say false. But it was true. Oh, my God. I would have thought the Jaguars, OK. No, the Jaguars. Daniel Jones is a turnover machine. I should have. The Jaguars had 29, and the Giants had 30. Jail, what's up? How are you feeling? Great, Giants. Jail, true or false, the Patriots had the most takeaways last season. False. That is false. It was the Cowboys. It was the Cowboys. I knew that. Yeah, you get to pick a letter. I'll go with an R. An R? There's one of them. And that gives you the first part of someone's name there. And actually, it's not a name. I forgot it was for a footballer. Say what? Footballer's name? Well, it could be a name. It could be a name. OK, OK. I'm so confused. I need another question. I have no idea. The people want another question. Jail, my question for you is, who had more PPR fantasy points last season? Who had more PPR fantasy points last season? Was it Dalton Schultz or was it Devin Singletary? Oh, please, Josh. It was easily Dalton Schultz. I know. It was easily him because it was him. Hey, let's go. Let's go. You got it right. Well, I would like Jail. I don't know, man. I'll go with an S. Oh, I think I think there's more. OK, that's where I thought. OK, we all know that the bottom is Sufley. Sufley, clearly. I'll go with them. I'll go with the Ne. I thought it was Saffron. Saffron, Saffron. OK, this is starting to make no sense. I'll take an E. A, B, C, D. There's two, there's three of them. You can buy our Vowel still, Jail. It's risky. Josh, did you spell that right? I don't know. I'm just looking at this word at the bottom here. Yeah, it's feels like the E. OK, OK. All right. Yeah, it feels wrong, doesn't it? It feels a little bit wrong. It feels like the E should be over one. Yeah, I agree. But maybe we're just wrong. OK. So, OK. I will go another question, I guess. It is spelled wrong, guys. OK, so we all know the last word and it's spelled incorrectly. We're good. But it is a word. And that's kind of what threw me off, I guess. But is it a condition of being safe, freedom from danger, risk or injury? Safety. The bottom word is safety, guys. We're all worried. I believe I answered one, two correctly. One or two correctly. And I was in the process of buying vowels. You guessed the S, I think. We already had the S. I was buying vowels. I think the E is what prompted this, right? Maybe, yeah. Yeah, sounds right. You get something else. I will buy and I'm scared. I will buy an I. It's going to buy an I. I don't think that's going to do it for you. I don't think that's going to do it for you. Herms. Do you want a question here? Yes. All right, Herms. My question for you is, who had more PPR fantasy points last season? Who had more PPR fantasy points last season? Was it DJ Mora? Was it Hunter Renfrow? Oh, geez. I feel, I think the answer was like sneaky DJ Mora. I'm going to go with DJ Mora and then I'm going to be wrong, right? I'm going to be wrong. Yeah, you're going to be wrong. Yeah, so I felt that coming. You're going to be wrong. He had a sneaky season, but it was sneaky wrong. Oh, I'm just curious. Are all the rest of the E's in the right spot? Let me ask that real quick. Yes. OK. The top word could be required. I need a question. All right. Who had more PPR fantasy points last season, Simon? Was it Keenan Allen or Chris Godwin? Keenan Allen. Keenan Allen's correct. Hey, what letter? T. It's going to get T. I don't understand the laughing. You're surprised by the TV. It's funny seeing it. This is great. I'll take another question. Oh, God. I was really hoping for another T, not just that one. It's like it up to the comedic effect that it was only that T that I all stand in. Yeah, I need another question. Who had more fantasy points last season? Josh, it's like we're going to stand the 40 times.  Was it Kyle Pitts or was it Christian Kirk?  Let's see. I'll go. I'll go, Kyle Pitts. It was Christian Kirk. I'm sorry. Hey, I thought it was a trick. It was a tough one. It was a tough one. It was a tough one. Christian Kirk's heard more fantasy points than you might think, though. He had a better season. I don't know. I need any other question. Who had more fantasy points last season? Who had more fantasy points last season? Was it Devonta Smith or was it? Let's go with Josh Jacobs. Josh Jacobs. Josh Jacobs had more fantasy points. Shout out. Give me that letter. I'll take an M. Good call. And there's one M. That is what I thought that was. OK, it's that first word. Jeez, I don't know. I'll take another question. What is that first word? Who had more fantasy points last season, J.L.? Was it Zach Hertz or was it? Let's go with Stake 1 Barclay. Zach Hertz. Zach Hertz had more fantasy points than Stake 1 Barclay.   I didn't have to say it. Sucks that you said it. I had to say it. It's hard to be in the host, Josh. It is. Josh seems defeated now. I'll go with an. He actually had a lot more points than Stake 1 Barclay. Really? Like 45 more. Get your letter out. I'll go with an N. There is one N, J.L.? I don't know what this word is. Oh, I got it. I got it, Josh. You tricky mom. You guys are taking so long. I feel like that didn't really make it easier for me at all. I'm really still stumped. Oh, God. I'll take a via you. There's no you. There's no you. Hertz, you still don't know what the first one is? No, not at all. Hertz, who had more fantasy points last season? Was it Leonard Fornette or was it Antonio Gibson? Letter Fornette. He did. Boom. He got to get a letter, though. OK. I'll do the thing with the, do what I didn't do. Let's go for the safe one. There are a lot of D's in the world.  There were only two letters you could have picked, and that was one of them. So. So you have $1,000 in your bank. You could answer it right now if you know it, man, come in second place. I think I know what it is at this point. It doesn't matter. OK. It won't matter. You can't reach Simon. Because there's only one continent left. There's only one continent left. So I think there's two, but that's just me. Oh, yeah, you're right. We are my options again. You could solve, or I could ask you another question. Because even if I get another question correct, there's no way I can win this game. Go for the glory. No, you can win. You can win. If you get both of these questions right, and if you know the puzzle and you guess both continents, don't buy any vows. Tell you what, I think I know what the puzzle is, but I'm going to take a chance on myself. So you know what, let's go for the D's. I think I was smart. I think I was smart. Cheer for you, Herms. Let's go, Herms. All right, here we go. Who had more receiving yards last season, Herms. Who had more receiving yards last year, was it Brandon Cooks, or was it Chris Godwin? I'm going to go with Brandon Cooks. I'm sorry, it was Chris Godwin. No! I took a chance on myself and I failed. At first words, I'm lying. What matters is you took the shot, and I'm going to solve. This is Red Zone, Rams, Safdie. Yup, it's a good pronunciation, because if you didn't say Safdie, I was going to go on a job. But Herms, you just didn't, it wasn't even fair. Me spelling safety wrong, how were you ever expected to get that one right? One of those things. Or did you spell Safdie right? Josh, did the chat get it before us on this one? The chat got it literally like 15 minutes ago.  The chat's killing it. Sorry, chat. Is it fun to watch a struggle, or is it not fun? I think it depends if you like us or not. If you don't like us. It actually wasn't that long ago. Dame. So it was Dame was actually wrong. And then Joey, you know, he was trying. He was trying. I was guessing receive the entire time, and that's like, it took me so long to finally realize it was Red Zone. Vienna locked it. But guys, that is our game. Congratulations to me for winning great win by Simon Oh, but Herms, thank you so much for coming on the show today, my man. We really appreciate it. Guys, if you are not following Herms already, I don't know how much more Kazooie's got to play to convince you, but go follow him on Twitter at HermsNFL. Herms, thank you so much again. Absolute pleasure having you on the show, my man. Thank you so much. Oh, my gosh, yes. Fabulous time. Dude, shout out to the FYF crew. Shout out, Fandall. Honestly, this is fantastic. This is where it's at. Just your big, big ball of brand. Those guys are pretty cool. They're loving the building. Oh, look. Thank you, Herms. I appreciate that, guys. That is going to be it for us this evening. Thank you, everyone who tuned in. Guys, if you enjoyed this, if you had fun playing our games and you have not done so already, head on over to our YouTube channel at Front Yard Fantasy. We do this five days a week at 3 PM Eastern Time Monday through Friday. 24 hours a day. Josh is live playing games sometimes by himself. But we're all on at 3 PM Eastern Time. So guys, make sure you go over to our YouTube channel at Front Yard Fantasy and subscribe over there and come play some games with us during your weekday break. Until Monday, though, we end every Friday. We're here. We're right here. Every Friday, 6 PM Eastern Time on the Fandall YouTube and Twitch channels for Front Yard Fantasy Hour. Guys, that is going to be it for us. Everybody enjoy your weekend. We will see you guys later. Adios, everyone. Love you guys.


Jacksonville has beaten Tennessee today in Nashville. Have you guys taken a hit with your confidence at this point? No, we know who we are. Yeah, it's definitely not what we want to do. It's definitely not our standard and, you know, where we hold ourselves to as a defense. Final score, Jacksonville 36, Tennessee 22. Tighten up! Welcome to the Bet MGM Studio and the Mike Vrabel Show, presented by Shift Four. With the head coach, I'm Mike Keith. As the Titans got back to work, something jumped out to me. You heard it in the open, guys resolute that disappointed by the three-game losing streak, but certainly not broken and not having their confidence broken. No. I mean, we're professional athletes and professional coaches and we have a job to do. It's going to start by, you know, trying to eliminate bad football. That's been the message. That was the message Monday. Hopefully getting to the point where we're good enough to take advantage of another team's bad football. We didn't quite do that enough times on Sunday and so we have to, there's a lot of things we have to clean up and, you know, I don't think that anything is broken. I think we have to just start playing a little cleaner. When you win games and I start to talk about positives, you admonished me and you said, now, wait a minute, we weren't perfect. We had some bad plays. When you don't win, you always say, hey, everything wasn't bad. We are going to focus on some of the positives. Why are you that way about both scenarios? Well, I just try to, I think that the consistency in that message and trying to make sure that we coach the action and not necessarily the result. I'm very firm in that belief, as that's saying, you know, there's the good, the bad and the stuff that gets you beat and we have to eliminate the stuff that gets you beat. We have to fix the bad and we have to continue and enhance the good things that we did and I would say that that goes with every game that we play, whether we win or we lose. All right, let's take a look at some of the good things that the Titans did on Sunday. The Mike Vrabel six pack starts with a touchdown, powerful run by Derek Henry, who had held. Yeah, it was a great end to the drive. You know, we plunge it in there from the three yard line. You can see the surge. Guys are scoring with their men. We got offensive linemen in the end zone, which means that if they're in the end zone, that Derek is not too far behind. So I thought that was a great cap to the drive there and is able to finish it off with a touchdown. Your offensive line got some knockback in the run game for a good bit of the contest. Yeah, I mean, we were able to run the ball not only efficiently, there were some five, four and five and six yard runs in there, but also we had some explosive runs as well. Ah, leading to this. Play number two, an explosive run. Derek Henry with a 50 yarder.  Receivers at the second level. You can see guys coming in, getting blocks. I think you can see it here, but he's not touched and there's Bobby Woods leading the way. Nick Westbrook coming in there from when Derek cuts back. You know, we always tell him, we can't dictate where the ball is going to run. You just have to be ready to get guys covered up and see what happens. Some of those runs are ones that definitely can go 80 yards. It can be a touchdown. And then some are openings where Derek has to make as much out of it as he possibly can. Really felt like he did that on that run. Yeah, I mean, that one was blocked pretty well. He cut back and, you know, if we can get him to the second level, whatever decision he makes after that is on him. You know, he's the guy that has the football in his hand, so, you know, it was just good to get him able to get into the second level untouched and let him decide where he's going to go from there. Titan's second touchdown outstanding effort by the quarterback, Ryan Tannehill, and also by Chigah Conquo, the recipient. Well, you know what I mean? There's protection. We're able to progress. They slough off and carry Don Trell into the end zone.  And so Ryan was checking Don Trell and then, you know, having him be replaced there underneath by Chig, Ryan got it to him and stride, and he was able to get into the end zone. Chig making things happen, but there is more from him that you want, right? Yeah, there's a lot more. You know what I mean? There's a lot more.  All right, let's look at a defensive play. Bud Dupri helping the defense with three tackles for loss. Here's one. Well, Bud, you know, here is being aggressive and being able to get into the backfield. They're trying to pull, and, you know, he's able to set the edge and finish there on the running back, being explosive and trying to play hard. Bud Dupri beating the blocker, and that's Travis Etn, who had been running really well for this Jacksonville Jaguar team, but in the game on Sunday, 17 carries for 32 yards. Yeah, it wasn't much there in the run game. Unfortunately, we have to make sure that, you know, we're doing a better job when they throw it. All right, let's look at a great individual effort by Nick Westbrook, Akeena, late in the game to score a touchdown. Yep, Ryan takes a shot here, but, you know, Ryan kind of knew if he's not going to change the protection.  Nick's able to come down with it to contested catch. And again, I liked how we battled back. I like how we finished that drive, and, you know, we had to. We didn't have any other choice, but just a great effort here by Nick to be able to finish in the corner of the end zone with contested catch there as he's going to the ground, and that ball survived the ground. As you say, sometimes you just have to win. Yeah, you have to. All right, this is pretty good play by Chig Akoquo. We wanted to show the one-hand catch here on the two-point conversion. Take a look at this.  Well done by Akoquo as he continues to move up the receiving charts and the scoring charts, scoring eight points in Sunday's game. That's the Mike Vrabel six-pack. When we come back to the Bed MGM studio, we'll talk about Derek Henry. He continues to do things on the field with 1,199 yards rushing. What he's doing off the field, just as impressive. That's next on the Mike Vrabel show, presented by Shift4. The Walter Payton Man of the Year award is the NFL's most prestigious. Each team has their own Walter Payton winner, and he moves on to compete for the Overall League Award, which will be announced the Thursday before the Super Bowl. For the second year in a row, Titans running back Derek Henry is the Tennessee Titans Man of the Year, and with good reason. So this week, he is our epic western genuine Titan, as we show you about a simple ask and a big gift that Derek Henry made happen. Overtime on the way in Baltimore, the whole country with us on the most important Sunday afternoon game in the AFC. The Titans were playing Baltimore at Baltimore, and I was supposed to be there, but I didn't, because my dad ended up going into hospice. Justin Tucker just sent the game to Overtime with a short 29-yard field goal with 15 seconds left in regulation. It wasn't on the TV in hospice, but it came on the TV after the game and did. You can play action here and get someone wide open, but you have Derek Henry, right? And Derek ran that ball in Overtime and won the game. Henry Overtime! And I told my dad, I was like, Derek did that for you, and he moved his hands. That was the moment that changed everything, where my dad was Derek taking those two seconds out of his day. My dad was diagnosed with cancer in 2015, and it was already stage four, and he was already in his bones. It's a rare form of cancer, too. There's nothing they could really do. Just one night, I tweeted out to Derek, and I just said, hey, what are the chances? I could just have you say hi to my dad, and it just took off on Twitter. He's touching me. They're devoted fans, and they're from the Jacksonville area. I tried to keep it a surprise for my dad, but I'm not very good at keeping surprises. I blurted out that Derek wants to meet you, and he was like, you're lying. Didn't believe me. Something that, you know, I had to meet the guy.   All that leading up to the moment, he liked to take videos of himself talking. I don't know why. Appreciate it, Dusty. Also, there's supposed to be something else I'm supposed to do down here while I'm down here. I don't know yet, but... I just remember his eyes lighting up a lot. Like, I didn't think I'd seen that spark in his eyes in a while, so... I told him I'm praying for him. It was great to meet him. God bless him. I don't even know if he had the words. He just thought it was the coolest thing that he just met the best running back in the league. For Derek just to take two minutes out of his day, I think that's Derek with his daughter. I think that's Derek in general. He has a hard of goal forever in debt to Derek Henry for making my dad have one good day and a memory to last a lifetime and then a memory that he'll take with him.  But I just, I hope he knows, like, how much that moment meant to my dad, my mom, my other sisters. Derek is a moment of joy for all of us. But Derek took that one moment for me and it meant everything. Hit you in the heart. Always does, man. I tell you what, that's our gentle giant. He is a warrior on the football field, but I have never seen him say no to anybody that was in need, whether that's in this building or in our community. And it is a joy to be around and get to coach Derek. Throughout the rest of the regular season, the Titans creative team is releasing new video every Tuesday and Thursday that showcase why Derek Henry deserves to be the NFL Man of the Year. Those can be seen at TennesseeTitans.com as well as on our social media platforms. Of course, the NFL announces the Walter Payton Man of the Year on Thursday before the Super Bowl. Coming back, know your foe. We'll take a look at the Los Angeles Chargers where the Mike Vrable show continues presented by Shift4. We welcome you back to the Bed MGM Studio, the Mike Vrable show presented by Shift4. It's time to know your foe. Bring them on, Mike. Let's go. Let's go right now. Right now, the Chargers right here. Pass, pass, pass. They're going to throw a lot. They're seven and six. The game's at 325 central time at SoFi Stadium. Does it help that you were there last year? I think we can understand that. We don't have to go and do a tour and see where everything's at and see the big old screen up top. The surroundings are going to be familiar. But the foe is going to be different. Yes, the foe is very different because they throw a lot. Justin Herbert, the quarterback, he's pretty good. He's thrown for more yards than any player in NFL history in his first three seasons. That does not surprise me. What, 12,000 some? Yeah, it's a lot. It's a lot. And they threw 51 times on Sunday night in beating Miami. And I guess that's about what you would expect. And he keeps it out of harm's way. He's got great arm talent. He can throw from in the pocket through for 150 yards outside the pocket. This will be the most versatile back and most utilized back that we've seen. Got receivers with good size. They've got some with some quickness in the lead. They use their tight ends. Great pocket presence right there. Slipping up. Avoiding the rush. Keeping his eyes downfield. Keenan Allen's back. Mike Williams is a big target. A lot of screens. You know, just they hit the backs. And, you know, he seems to be in command. Here he is again outside the pocket throwing the ball back. You know, pinpoint accuracy to Mike Williams on a boot throwback. And he can run too, Herbert. Yeah, if he has to. I mean, he went one last year. I think he beat somebody over, you know, he went for over 100 yards.  And pretty much won that game for. All right, let's take a look at some defense. Start with Drew Tranquil, Derwin James. They certainly have some guys who can come up and hit and make things happen. And they also have Khalil Mack for whom they made a trade with Chicago to get him. He's got seven sacks on the year and he's held them together. Yeah. And I know that with the injury to Bosa, Khalil Mack has been able to step in. You know, Drew Tranquil is all over the place. Murray and obviously Van Noy up front inside. They've had some injuries. Corners are playing well. Sante Samuel Jr. Davis. You know, those guys are playing well. Derwin James, you mentioned. And Adderley. So bottom line is they throw a lot. They have talent on defense and the Chargers are playing well right now. Yeah. And it's a huge challenge. We'll have to be prepared going on the road.  And, you know, after last week, we're behind. Yeah. All right. When we come back, we'll meet a student who's making a real difference in the community. And later in the show, Mike Vrabel's keys to beating the Chargers. All that and more coming up on the Mike Vrabel show presented by Shift4. Welcome back to the Mike Vrabel show presented by Shift4. I want to introduce you to Mackenzie Tuxin, 19-year-old student with Rett syndrome. That's a genetic disorder which affects communication. Well, she's an advocate for equal and fair treatment for students in her school system. And because of that, Mackenzie is this week's Wesley Mortgage Community Hero. Here at Mackenzie, in 2009, you were diagnosed with Rett syndrome. A severe form of autism for females. To diagnose the state, you won't be able to walk, talk. You won't be able to have a personal hand movement. Or you won't be able to feed through a tube. Not only have you not let this define you, but you have used this as a gateway to advocate for others. Through that advocacy, you have helped change policies within the state legislation, as well as metro and natural public schools. While in hospital, you were able to help invent new and inclusive ways of being a class president, of Washington cheerleader, as well as becoming the first ever non-verbal ambassador for metro and natural public schools. That is so proud of you. You continue to amaze us. We are truly excited to go with you and watch you fulfill your life mission to educate others and give them other individuals a voice with disabilities. Lead on Mackenzie. We love you, mom and dad. Mackenzie is just such a light. Her vibe, her energy just radiates effortlessly off Mackenzie. She always grew to you with a smile and a hug. Anybody who's around and no matter what ability you have, no matter what barriers may be in your way, no matter what obstacles are in your way, she has helped show other teachers just how there's other ways to show that you're successful, that you're learning and that you're doing all these things and enjoying getting your full high school experience, but it doesn't always have to be the cookie cutter way. Mackenzie is a great representation of a white screen execution leader. She shows great spirit at every game. We want other students to see that just because you have a disability doesn't mean you can't do all the things. And she does all the things. My mission in life is to educate and give a voice to all individuals with disabilities. I do not want any individual to be afraid to be the first. I am thankful to be able to represent individuals with special needs. Tighten up. Time for the Nissan Keys to Success. Head Coach Mike Vrabel, I'm very interested in some wording in these keys. I have questions. So let's start looking. Let's hit some of these. Let's hit some of these keys. Run the ball with physicality and details. What does that mean? Well, they're going to give you different fronts. They're going to give you some different pressures. And if we can hit the details and still be physical and not be cautious and not wait and react, you know, if we got a pool play, just the first guy, you hit the first guy, you see the second guy, you make it right, wrap or tuck it up. And then we got to get our runner which obviously is Derek, you know, going. And we've hit multiple schemes coming off the last game. We hit some zone schemes. We hit some inside zone, outside zone. And also we're able to hit some gap schemes for some big yardage. Okay. Key number two, effect Justin Herbert and Austin Eckler. How do you affect those guys? Well, there's only two ways. It's either, you know, being able to do it in the coverage or being able to get there quicker in a rush. And, you know, we have to have guys that can do a little bit of both. If the coverage is helping the rush, the rush has got to get there. You know, we have to knock the ball out of the quarterback's hands. We have to hit him more than one time. And that's, that's, it's, if we don't, you know, he's too accurate. He's got too good of arm talent for us not to be able to affect them and hope that the outcome will be any different. Final key is about coverage. You've got to be good in kick and punt coverage. Are they good on the return game? Yeah, they're solid. And obviously, you know, this is where I think you can send some messages though.  We got bailed out a little bit, but this is where you can send some messages, you know, to, to, with some speed and violence and really create some feel position. All right. Titans in the Chargers 325 this Sunday at SoFi Stadium in Los Angeles. For Mike Vrabel, I'm Mike Keith. Thanks for joining us and we'll see you next time.


ביקר אירליג'ס דורמטורי, wherein great emphasis is given to the study of the old Jewish scriptures used to quote the book of Joshua לא ימוש ספר התורה הזה מפיחה ואגית הבויומם בלילה כי אז תצליחי דרכה ואז תשכיל loosely translated it means that you should study the Torah all day and all night and then you will be educated and then you will be successful שיהיה רגיל קרות בילדה רגיל של המהותלה שזאת הלכה כל זה קרות בלילה כי אני הייתי כבר סתת כאלה ומעוטה ואז נעשו לי שבישה שם ידעתי הרבה מקוון, שהאני אוכלת להעבור שלתי את המשקר רגילי של הפסוח הrevolution לעון שהריס תוטל התפסקה של המחשבים. הוא קצת כתוביל ומספריית, תדהיינת כתוביל. חגותי חכות כתוביל בספריית, מתמטיקה ותנתיקה, שהתארתות של אינטרית הפסיקה ואסטרונמי. התתתתתתתת של המחשב היהם קצת. לבדם אני פשוט על תתתתת במהלדים ובאונדדיקה, במקשת ובספריית ובספריית. אני הייתה אגב שלagd mandate אז אני הייתה מאז ואני הייתי ספסי סעון ב possível ובסבר ככה, אני הייתהgranד כך אני הייתה נכנסה שביקה על שם ובאתי לגעת 3 שנים לפתר, לפתר של החדש של החדש שלנו, אבל משהו עשיתי. שעשי וטכנולוגיה לא נראית לנכמס את כל מה שרואים לי, שאם אנחנו גם פרודקטים של היסטוריה. אז אני חושב על פשוט אין עוד דגרי, אבל כאן, בפילוסופי היסטוריה. ששבעה שנים, אני חושב, אבל אחת 6 שנים, בסבירים הישראלים, כי אני חושב על לב לחשב וחשב ואיפה אני חושב.��י surgeries wanted to do research, so I joined this center of bio-engineering in the Hebrew University. As soon as I heard the word bio-engineering, I was curious, it was a true shock to what I considered to be the structure of knowledge at that time. Later I learned that the structure of knowledge becomes more interesting when realizing that disciplines are interconnected and indeed, disciplines are dynamic entities. Each discipline has three dimensions, framework, concerns, and methodologies, and each discipline evolves along those three dimensions while creating bridges to other disciplines. When new bridges rise, new disciplines are formed, like bioengineering, astrobiology, and satellite archaeology. Today the cross-connectivity of disciplines is breathtaking. It seems that the ever-growing body of disciplines becomes more and more interconnected. This is one reflection of the fact that the pursuit for innovation lies within the structure of knowledge. During my master's research at the Center for Bioengineering, I learned how true realization regarding science and medicine can emerge from the inter-connectivity of allegedly discrete disciplines. So diabetes is a growing epidemic affecting hundreds of millions of people all around the world. I overtook a project in which my main concern was diabetic retinopathy, which is the second most frequent cause for blindness in India and in the US. The disease is basically defined by microanorisms. Local expansions of capillaries in the retina that disturb the hemodynamic forces inside the capillaries, leading to cell dysfunction, leakage, and rapture. ליקת blood in the retina can cause black spots in the vision field, which can slowly progress into total blindness. So we developed a mathematical model that describes microanorisms, and we used this model in order to define a critical threshold for the treatment of microanorisms using laser ablation. So what we have done is we used mathematical models to derive the dimensionless behavior of the problem. We used numerical methods, we derived from computer science to generalize it. We validated our model using a miniature model of the retina, which we fabricated using tools we utilized from the microelectronics industry. We used our findings to describe a classic phenomenon in fluid dynamics, traditionally dealt with in applied physics. We then explored the implication of our results on living cells, and then we took our model to the clinics experimented with human retinas, which demonstrated the validity of our results. Thank you. Our insights emerged from connecting frameworks, methodologies, and concerns of different disciplines, and it can literally save patients' vision. Well, this project, it probably was a turning point in my life. It was the first time where I experienced the power of large-scale integration of science, but connectivity can go beyond research and reach innovation and entrepreneurship. Last time I was invited to NASA Research Center in California to Singulat University, where I co-invented the GloVe Try Coder. Modern medical interfaces neglect the role of touch in the physician-patient relationship. We decided to emphasize and enhance it, so we invented a new medical interface in the form of a glove that digitized touch and telecommunicated. Our technology can be embedded in recent medical revolutions as wearable diagnostic medical devices and telemedicine platforms. Our thinking revolved around utilizing capabilities from microelectronics, robotics, software engineering, and telecommunication. We also considered the implication of our results on society in terms of ethics and regulations. Another important aspect was the business model required to create an economically sustainable R&D. Again, it was more about connecting the dots than creating new ones. Connectivity can go beyond research and beyond innovation. It can even touch art. This is an image we took using high resolution microscopy. This is the eye of a micro storm. Only half the diameter of a strand of hair. This is a storm of nanoparticles which were introduced into a microfabricated device. So innovation can promote innovation and revolutionize education. It has changed the way I teach and interact with my students. Last year, I developed a course in which I took 20 students from 10 different disciplines. From computer science to neurobiology to atmospheric sciences and psychology. I taught them transdisciplinary methodologies in computer science and I was amazed by the results. We were presented with projects that span from 3D visualization of clouds using direct link to NASA satellites to data encryption and decryption using optical fibers. By making the architecture of knowledge, the syllabus of the course, we can give the education system the one thing it's missing the most, a meaning. A feeling that we are not educated to be a small screw in a great system, but rather we are taking apart in Plato's vision on the unity of knowledge and reality. So specialization is important, but we cannot make it the only thing that matters. We can dissolve disciplinary boundaries by simplifying technicalities and reducing our challenges to modular design. And design is the one attribute in which human life is above all other known forms of life.


The House of Representatives and the ad hoc committee investigating alleged missing crude oil has summoned the Attorney General of the Federation and the Minister of Justice, Abubakha Malami, over $200 million paid to consultants. The chairman of the committee, Mark Bila, representing Labour Party, Benwe, issued the summon on Wednesday during the public hearing on the matter at the National Assembly while summoning the duo, Mr. Bila, stated that a whistle-blower informed the Nigerian Financial Intelligence Unit that Mr. Malami approved the payment of $200 million to two private companies for consultancy services. Meanwhile, the Minister of Finance, Butters and National Planning, Zainab Ahmad, recently announced that Nigeria had secured a World Bank loan facility worth $800 million. According to her, the $800 million is the first tranche of palliatives to be disbursed through cash transfers to about 50 million Nigerians who belong to the most vulnerable category in society. Joining us to discuss this and more is Nick Agulay, he's a financial analyst. Thank you so much, Mr. Agulay, for joining us. Good evening. Thank you very much for having me. Great. Good evening to all of you. Yes. Let's start by addressing the question that's on everybody's mind. We're very indebted, as we speak, and I'm sure that many people who are listening will say, oh, well, so is the United States, so is France, so is the United Kingdom. But in Nigeria's case, we're borrowing monies to dash for the want of a better way to say it, as opposed to using it to multiply or build infrastructure or develop. And so I want to start by asking, why are we getting an extra $800 million? And what exactly is this money supposed to be used for? Thank you very much for that question. Before I will tackle your question about the $800 million, let me first touch on the opening remark that you have made regarding our borrowings. You also say that other countries, citing the likes of the U.K., U.S. and elsewhere, are also borrowing either ignorant or mischievous because there is a cardinal principle about borrowing, and that is you have to have a project to commit that borrowing to anybody who is borrowing to feed is in trouble, is in financial crisis. That is the first thing. The second thing is your ability to repair your loan.  That bank or financial institution is going to look at your finances and check that you are able to repay that loan. If you are not able to repay that loan, then regardless of what you want to use the loan for, regardless of your net worth, the bank or financial institution is going to decline, giving you the loan. A country that is using 96% of its total earnings just to service debts, 96% or whatever the country earns, and that is Nigeria, is used in servicing debts, meaning the rest of the expenditure of this country, including recurrent expenditure, which involves payment of salaries, travels, office costs, and all of those kind of things, are being financed with borrowing, is in financial catastrophe. There is no bank, and I'm really surprised, moving over to the World Bank now, that the World Bank will consider giving Nigeria this loan. I am not sure if Nigeria actually was honest with the World Bank for the reason that they were seeking this loan for. A country that cannot manage its borrowings right now is seeking nearly a billion dollars and therefore what purpose? That they want to make cash transfers to households because of fuel subsidy that will be removed. Fuel subsidy has not been removed. They have already left fuel subsidy remover to the next government, and it therefore becomes unclear, if not dubious, for a government that for eight years could not come to the decision to remove fuel subsidy, to now start borrowing at the twilight of their regime. With only about a month or so to go, borrowing such humongous money to share to people when we have no way as Nigerians, to even determine the people that they have shared this thing to. That side of the argument is that why not borrow the eight hundred million dollars and commit it into fixing one of the refineries, one of the refineries, and get it to start working so that when the refinery is working, automatically the cost of fuel will come down. Nick, can you hear me? Refining locally. Yeah. Nick, can you hear me? Yes, I can. Recently, monies had been allotted for the fixing, or rather, maintenance of those refineries that you speak of. The question that was posed at the time, I think about a trillion plus, was allocated. The question that was asked was, why are you servicing refineries that are not working and paying salaries to people who are working in a refinery that's not refining any products? So, I don't know if adding this eight hundred million to it is going to solve any problem. I really don't know. I agree with you. I honestly agree with you because I think, was it 2021 or so, the honorable minister of State for Petroleum Resources, Timi Prey, Siva, Dan, the former, he told us that they have signed a contract worth, I think, $1.5 billion to fix the Pohakot refinery. And that contract was to run for a period of about 18 months, meaning by now, that refinery should be up and running. As we are speaking today, as we say in Nigeria, that project has entered voicemail. Everybody is even talking about it. The minister of State himself recently left his job to run for governorship of his State in Biasa without giving us a scorecard of his time in office, including where he is with that refinery that he said $1.5 billion have been committed to. So I agree with you entirely that the Nigerian government has proved over time that they are incapable of handling the downstream petroleum sector in Nigeria. And that is why we have been advocating all this while, that the downstream sector of the petroleum industry in Nigeria should be handed over to the private sector. In the same way we handed over telecoms to the private sector, and today, as much as we cannot say we have the best telecommunication services in the world, what we have today is far, far better than the days of nighttime when government was doing this thing by themselves. So yes, you are right to say that the monies, this $800 million could have been money that was sourced from the private sector to come in and fix the refinery. There is no solution to few subsidies other than fixing the refineries in Nigeria. Let's move away from that. Let's talk numbers now, because what the finance minister has said is anything to go by then. Let's do some mathematics. I'm not so great at it, but I'll try my best. Now if they diligently decide to share this $800 million at the exchange rate of about 750 Naira to the dollar, which is, I don't know if that's ever changing, it means that Nick, every recipient will have just about $16, which is about 12,000 Naira each. Now with the current consumer price index by the National Bureau of Statistics on food inflation, which is at 24% to 32%, what relief does this $12,000 Naira bring to the average Nigerian and for how long, really, because when you pump in that amount, especially within a short period, the purchasing power of $12,000 will drop because of inflation. So what exactly is the federal government playing at here? You are 100% correct, even in your maths and in what you have said about this policy. This policy of sharing $800 million of borrowed money to Nigerians, and yet we don't even have a register of those Nigerians, is the most laughable and myopic project that this government will embark on in its 80-year history. Like you have rightly said, let us assume that this $800 million is about to be distributed and few subsidies have been removed and petrol is selling at, say, $1 a liter. At $1 a liter, that will be at the parry market rate at $750 Naira a liter, as you rightly said. Now, if petrol moves from the current regulated price of $1.95 to $750 Naira, there will be a big shock to the economy, a very big shock, prices of goods and services with skyrocket. And then residents will now get $12,000 Naira or equivalent, one-off payment. So after that one-off payment finishes and petrol prices still remain at $750 Naira a liter. What is going to happen to Nigerians thereafter? This is the question that these policy makers have not answered. And that is why this policy is very timid on paper as it is, it is timid, it is unsustainable, it is not going to do anything. Nigerians will simply be thrown under the bus. I want to just go back again to when this story first broke. I'm wondering why at first the government was shrouding it in so much secrecy. In fact, they told us at first we were misinformed that it was a grant, not until business day newspaper, and I think budget established that it was a loan to be paid between 2027 and 2051. In fact, for whatever is worse, Nick, the federal government has been asked to deceased from taking this loan, but they won't heed such advice because you know that there will be vested interests in every way. But I'm curious, will we be able to recover from this? I mean, I'm just trying to understand, is there more to this than meets the eye? Is there something that someone somewhere stands to gain from it? Because we're splurging in terms of these loans and our debt is increasing. And will we be ever able to recover from what this blow that the government has dealt us and our economy? It will be difficult to recover. This loan, if it goes ahead, our children, their own children and their own grandchildren will still be paying for the effects of this loan. And what we need to do is to stop the government, the current government that is about to leave office from taking this loan. The current government at this time should be concerned with writing their handover notes and packaging the handover to a new government on the 29th of May. They are not even the ones that are going to remove the subsidy. They don't even know if the incoming government will remove the subsidy because they have already transferred the responsibility for this subsidy remover to the next government. So they should just allow the next government to decide on how they want to do it. If the next government decides not to remove the subsidy and this government in power today has already borrowed and distributed 800 million dollars, then to what effect? But if the next government decides that they want to remove subsidy, they can have their own approach on how they want to remove the subsidy. They could first and foremost start by saying, we are handing over all these refineries to operators, to global operators in the downstream to come in and fix our four refineries and flood the market with petroleum products so that the price will automatically come down. That could be a route that the incoming government will take. So this government must be stopped from taking this loan. And the agitation for them to stop from taking this loan has to start right from the World Bank. The World Bank that says they are giving or the IMF that say that they are giving this loan of 800 million dollars must be asked not to do it because they as a bank should know that there is no reason for an outgoing government to commit the nation and the people of Nigeria to such a humongous loan without them being in office to generate the revenue to repay the loan. We also have to have a civil society stepping here. There are other arms of government. This thing is being perpetrated by the executive arm of government. And there are other arms of government including the judiciary. I expect cases to be filed at courts to obtain injunctions against the government from taking this loan. I expect also the members of the National Assembly need to be reached out to so that they will pass motions to stop this government from taking this loan. How do you expect this to happen? Because we know whether we like it or not, unfortunately, the majority in these houses are of course the party that's in power. Whether we like it or not, it looks like seemingly we have some sort of a robber stamp legislature. And you just played into my last question to round off here. What should not your civil society be doing? But even with the Nigerians that might be suffering the consequences of these indebtedness, what must we do to make sure that these monies are accounted for in one minute? Let's hear it. So for us as Nigerians, we just need to agitate. There has to be widespread agitations to stop the government from taking the loan in the first place. Because if we are fighting for accountability, this government has shown in its 80A lifespan that they have zero accountability to Nigerians. This government is a government that we have heard of theft of our crude oil, and nobody as of today has been heard accountable. This is a government that have taken loans upon loans in the past. We have not heard anything about that. This is a government that is even being accused now that oil processes were sold and pocketed by certain individuals, and nobody has been done. So it is very difficult to hold this government accountable. What they simply need to do and as Nigerians, we must go on mass protests either to our members of the National Assembly. You mentioned members of the National Assembly. You see, more than 80% of them are not coming back. So even though they are members of the ruling party, they have already been injured for not coming back. So let them use this as a parting gift to us to get back to the government, get back at the government by stopping the taking of this law. All right, Nika Gule, always a pleasure to have you here. Nika Gule is a financial analyst. We're hoping and trusting that something good comes out of this. Have a good evening, and thanks for joining us. Thank you very much, and good evening to all of you. All right. Well, that's the show today. We want to thank you for being part of the conversation. If you've missed any of our programs, go to our YouTube page at Plus TV Africa. Subscribe, and you will not miss any of our programs. Then follow us on all our social media handles at Plus TV Africa. I am Mary Anna Connell. I'll be back tomorrow with more stories from our political scene. Have a good evening.