The most important thing that I do in my business is to have a consistent rhythm of creating content. So that should say something to you and maybe you ought to look at your priorities in your business and ask yourself, am I in a consistent rhythm of making some kind of content, whether it's writing or making videos or recording podcasts or posting images or publishing or creating courses or publishing books or whatever it is. Are you in a consistent rhythm of doing it? I have developed this urgency in myself to have a consistent rhythm of doing it. So as an example, I just got back from vacation. Wednesday, late night, we landed. Yesterday was partially recovery day. I had to do a call, but mostly recovering from my vacation. And then today, I'm back at it. I'm creating this video. I've already written a blog post. I have an urgency every day that I work to say, what's the next piece of content that I'm making? And I'll tell you why I'm urgent about it. Because the longer I wait before my next piece of content, the more my muscles atrophy, the same thing with working out, same thing with getting fit or staying fit, right? Staying fit. It's not about going out to exercise once a year. How often do you exercise, right?  I do it once a month. You know, I just go out for a walk. No, you have an urgency to stay fit, to go out there as often as you can, right? Same thing with content. You've got to stay fit with your content. Stay fit in your mind, right? Stay fit with the focus of your business by continuing to create content. No matter if nobody responds, that's the hard part. That's the key. I just watched a video yesterday where Elon Musk, space X, and the guy that Iron Man was modeled after, Elon Musk, he was asked, how can people be more like you? And he says, well, I'll tell you, it's better than it sounds, right? He says, to create a successful company, people don't realize, most people don't realize that it takes way more blood, sweat, and tears than they realize. He says, it's a long period of pain. I mean, I know it sounds bad, but that's what Elon Musk said. It's a long period of pain, which most people are not willing to endure. That's why there are very few successful companies. Now, I'm not talking about building an Elon Musk company. I'm just talking about building an authentic business. It can be a solopreneur. I'm just a one-person show. I don't have any assistants right now. I don't have any employees. I have an occasional fiver person that I use for graphics or whatever, once in a while. I haven't used a fiver for the last couple of weeks. There's my cat drinking water. It's probably the highlight of this video, right? So I'm not saying you need to brace yourself for pain and be in pain. What I am saying, the hardest part of being in a content creation rhythm is silence. I had to endure silence for months before I started getting some engagement. Are you enduring silence, or you got nobody responded to your last post? So what? You have to do that for months. You have to be willing to do that for months. If you're not willing, I don't know what to tell you, honestly. And so you need to do your own energy practices to get willing. You need to do whatever spiritual development within yourself to be willing to do this stuff. So in other words, your content can't be for people's likes and loves. If you're doing it for people's approval, go home or stay home. Forget it. You've got to do your content for your own development. You've got to be in it for your own growth. There is no other way to grow faster in your knowledge and in your clarity about what your calling really is except by doing content. Now, this is huge. People go, George, I've got to define my niche first. I've got to figure out whom I'm trying to talk to before I create some content. How do I know what to say, George? I don't know what to say. Open your mouth and see what comes out. Start putting your pen on paper and see what comes out. Channel your writing. This is channeled. I think everything is channeled. But you have to be willing to open your mouth or to put your pen on paper for the channeling to come through. People's... No, truly, I actually believe that everything... I'm not planning exactly what words to say. I'm channeling whatever news or creativity is coming through right now. When I turn on the camera, a spirit comes through. I'm not saying I'm a medium or channel. I'm just saying literally, that's how it works. You've got to be open and willing for the thing to come through. And that means you've got to put... Fingers on keyboard. Open your mouth. Pick up the phone. Open your mouth. Start the live video and see what happens. Say whatever. Jibber, jibber, jabber, jabber. And then say, well, today, I was doing this today. One thing I learned, see what comes out. Okay?  I didn't know that was what I was going to say. Today, I don't know what I was going to say. I mean, I had some plan of the main topics, but see what comes out. Right? And I want to thank some of you who have been joining me for this call. Deborah and Jen, thank you. Prem and Mike, Danielle and Addy, Caroline, Christine, thanks for your comments there. So, before you get clear, you need to create content. Before you understand what you're calling is, whom you're trying to serve. Like, I don't know who I'm trying to serve in this video. And now I know. It's Jen. It's Christine. It's Caroline. It's Addy. It's Mike. It's Danielle. It's Prem. I didn't know who was going to show up. I didn't know who I was trying to serve.  Oh, I'm talking to Mike right now. See, now I can talk to you. You see, same thing with your content. You just start writing and see who shows up. You just start talking and see who shows up. Then you know who your audience is. What am I supposed to say? You say it and then you know what you're supposed to say. Okay? And every time you say it, you get clear and clear about what you're then supposed to say next and the next post. Clarity comes from content. Calling the understanding of your life's mission and purpose comes from creating content, comes from just opening your mouth and being willing to see what comes through. Okay? The other thing people, very important that people say, well, George, no, no, I can't create content yet because I don't have my Facebook cover image created yet. I don't have my Facebook, the about section on my Facebook. I don't have an orange cat yet. How can I create content without an orange cat? Right? Sit getting on the lap. No. How can I create content without a perfect website yet? I don't know. My website's not that good. I gotta upgrade it. Have you been to my website on the phone lately?  Okay? My website hasn't been updated in, what, three or four years and it sucks when I visit on the phone. Like, oh my God, I can't believe this. And everything is mobile now. Like my website direly has been needing an upgrade for like two, three years at least. But I'm still here. I'm still talking to you. My Facebook cover image, yeah, I kind of recycled an image from last year. It's okay. It looks okay right now. It's not that great. Right? My Facebook about section, if you look at it, it still talks about my first book from 2017. I didn't mention my most recent book. I mean, it's not updated. I don't care. I am still here.  So the secret maybe is this. Your ideal audience is enormously forgiving. You, right? My audience, you're enormously forgiving about my stuff not being updated. My about section is not updated.   Okay.  It doesn't matter. You've got to show up and create content.  I don't care your website is not updated. I don't care your Facebook cover image or Facebook group or whatever is not updated or you don't have one. It doesn't matter. You've got to get into a content creation rhythm and then everything else will sort itself out. Everything else will sort itself out. If you get into the rhythm of content, you get smarter. You get more clear.  They stay with you. Okay. And then they'll just climb over mountains to find out what you have to offer. Your packages aren't clear. It doesn't matter. They'll ask you about it. Okay. Content first. Everything else follows. Okay. Is there any other thing I want to say? The last thing I'll say is this. You, the initial getting into it, just like when you first start to work out, you get muscle pain. Okay. And then you start doing on a regular basis. You kind of get used to some of the muscle pains and it almost becomes a joy to you. Like, oh my gosh, this thing's, this part's, this part's sore from yesterday's workout. How wonderful. Like it totally changed. It used to be, God, I can't believe this part's sore. What did I just do? Why did I get into this? And then this part's sore. How wonderful. This is growing. So you, so when Elon Musk says there are long periods of pain before you see any success. Okay. And initially there's some excitement. God, I'm so excited to start in this business and start to create content, some initial excitement, maybe some beginners luck, but then there's long period of pain before you see any other success again. And it's sort of like some success, long period of pain, some success, long period of pain. And then, and then, but then if you zoom out, if you keep zooming out, it looks like this. It looks like this over time. But if you zoom in, you zoom in and see what the little peaks and values are, it's like this. Okay. So you have, so what you're going to develop is a taste for the pain, not the pain. I mean, I, in other words, I have developed a taste for the fear. Before I started this video, I go, I don't know what I'm really going to say. Before I started my right in my blog post today, I was looking at blank screen. I was kind of a blank screen. How is this going to turn into a blog post? I have developed the taste for fear. Okay. It's not that I somehow love fear. It's that I turned the fear into curiosity and excitement. That's what I've learned. It takes a lot of practice. And I still practice. Every day I still, I feel fear before I know what I'm going to write. Before I know I'm going to, I still feel fear. I'm still afraid. I'm still afraid. But I'm here. And that's the key. Be afraid. Fine. But open your mouth. Start typing. Okay. However you make content, start doing it today. Blessings. And I hope this was helpful. Be well.


Hey y'all. Welcome to What Chelsea Eats. Thank you so much for joining me today. In this video, I'm going to talk to you about the grape cure and I'm going to share with you one of my most favorite detoxifying juice recipes.  My name is Chelsea Knudsen and I coach women on how to heal naturally from female-related conditions using food as medicine. So don't forget to subscribe and click the notification bell so that you never miss an episode. So in my last video, I talked to you about the causes of iodine deficiency. So if you missed that video, I will link it up in the cards and down in the description box below. So today, I want to talk to you about the grape cure and a juice recipe to help you to shrink fibroids naturally. So first off, if you have it in your budget, please go out and get this book. It's called The Grape Cure by Joanna Brandt and it is a classic. I have put a link below in the description box so you can get this exact copy that I have because there's a couple different versions and I think this one's the newest version. But I read this book a couple of years ago and it was really a game changer for me when I learned the power of grapes and grape juice. And I even did a video a couple of years ago on grape juice. If I could find it, I'm going to link it in the cards above and below in the description box. But anyway, in this book there, the lady, she explains how she was really sick and she didn't know what was wrong with her. She went to all kinds of doctors, found out she had stomach cancer. She was looking for a cure. She didn't want to die and she talks about how grapes helped her on her journey and then even after she got well, she spread the message of the grape cure around the world specifically where she was from in Africa as well as here in the United States. So this is a good read, especially if you are in this healing process or on a healing journey from shrinking fibroids or healing PCOS, it is even if you never drink grape juice ever or if you never eat a grape, it's just an encouraging story about how the body can heal naturally if you give it what it needs to heal. But y'all know juicing is my thing. I have been juicing since early 2007, probably like the second or third week of January 2007 is when I started juicing and I started off with carrot juice. You guys have heard my story over and over again about how I started juicing, but juicing helps your body get into a position where it can heal. There are juice recipes all over my YouTube channel on my website at whatchelsieats.com so you can go there and get juice recipes and I also wrote a juicing e-book for juice recipes that are specifically for women's health. You can get that book down in the description box if you're interested. But in this video I'm going to share with you a very potent juice recipe that is good for cleansing and detoxifying the body and helping your body to get in a position to heal naturally. This recipe is very simple. All you need is a juicer and if you don't have a juicer you actually can do this recipe in a blender. So in the juicer you just run all the ingredients through the juice juicer and the pulp and the juice is separated easily. You store it in a jar and you drink it within three days. If you have a blender and you want to use this you know make this recipe what you do is you put the ingredients the grapes into a blender you blend them up until it's smooth and then you will have to strain them. In order to strain the pulp from the juice you'll need a fine mesh strainer a cheesecloth or an almond milk bag to separate the juice from the pulp and I'll put some links below so that you can see what I'm talking about see if you maybe have something in your home that you can use. But the easiest thing to do when you're trying to make juice is to purchase it is to use a juicer. I have two recommendations down in the description box box about the two types of juicers that I recommend right now. So what I use for this recipe is about five pounds of grapes and right now grapes are on sale because they're in season and they're like a dollar to a dollar ninety nine a pound where I live but they grapes can get expensive they can get up to you know five six seven dollars a pound but right now they're cheap so I have five pounds of grapes as you can see in the bowl and I have one lemon. Normally when I make this recipe I try to put as many lemons in as I possibly can because the combination of lemon and grape juice is the more you use the more detoxifying more lemon you use the more detoxifying the drink is. This is one of those drinks that is so detoxifying and so potent that I tell people whenever they make it to cut it with water. I'm a veteran juicer I juice I can drink this juice straight it's no problem whatsoever and so for me I I will have a 32 ounce glass of juice so if you're making it and just starting off maybe use 16 ounces of grape juice grape lemon juice combination and add 16 ounces of water cut it you will get still you will still get the benefits of having the grape juice just make sure you're using filtered clean water whenever you're cutting the juice but start off slow because it is very detoxifying this juice is so detoxifying you can feel the toxins moving in your body that's how how detoxifying it is so be careful but um it is a very powerful juice to drink on a regular basis some of you may be listening and saying why would you drink all that sugar so I'm not going to go into that in this video but if you want to see what my thoughts are about fruit sugar you can watch this video here it'll be up in the cards or down in the description box it's called the truth about sugar and I explained how how fruit sugar affects our body and why it's okay to drink fruit juice or eat fruit and how to do it properly so that it does not affect your blood sugar in a negative way so as you can see I am using red non-organic that's right you heard me say non-organic seedless grapes that's what I'm using in this particular recipe all right let me explain the best grapes to use are organic seeded concord grapes those are the absolute best grapes to use if you I mean like if you can find those grapes you if you can afford those grapes go ahead and use them as a matter of fact when I went to go purchase the grapes for this recipe that's what I was looking for but I didn't go to the store all I did was I told my husband hey can you bring me x amount of grapes home red I just want dark red grapes or you know purple grapes and this is what he came home with so that's what we're having we're having these red grapes but I want to say one other thing there have been times when I've used the organic seeded black grapes or our concord grapes or dark purple grapes and I've made this juice and it's been great but most of the time that I have used this recipe it has been with dark any kind of dark grape and most of the time it's been seedless and I've still gotten tremendous results from them so you have to be the judge of what you're going to what you're going to buy are you going to buy or all organic are you going to only be a you know be a stickler and only drink you know seeded eat seeded grapes you have to do what you feel is best for you all I'm saying is that whenever I purchase these types of grapes for juicing purposes I've washed them and you can wash them with vegetable wash baking soda and water apple cider vinegar and water and clean your your produce that way and then run them through the juicer you can you have to be the one that decides what's going to be best for you of course I would like to have at all times the best option which is the seeded concord grapes but in times like these when I don't have them available I will use seedless grapes that's just my opinion you do what you feel is best for you I needed to drive that point home because I knew I was going to have somebody ask me well why would you eat why would you juice seedless grapes that's why and I'm satisfied with that answer if you're not then you need to go buy some organic seeded concord grapes so just wanted to tell you that so I wanted to just touch base with you and talk to you about you know some of the benefits of I'm looking down because I'm looking at my notes some of the benefits of drinking fresh pressed grape juice especially dark grape grape juice and it helps to lower blood pressure it moves toxins out of the body it moves it breaks up tumors and cysts yes you heard me it breaks up tumors and cysts it breaks up stagnant lymphatic fluid and if you don't know what that is that's the thing that that causes the inflammation in the backup in your reproductive area that is the and like in your joints and in your and like why people have pain and things like that it's also grape juice is good for it's a good anti-inflammatory it helps improve your circulation it helps to cleanse the colon it moves out mucoid plaque a lot of people think they don't have mucoid plaque drink grape juice for a couple of days and you'll um say something different it's very hydrating to the body it helps clear up the skin it stimulates your metabolism it helps with digestion it relieves fatigue it gives you energy it improves your vision it helps to um detoxify your liver it helps with your with breathing issues if you have asthma any type of breathing issue it's going to help there with COPD things like that it helps cleanse the kidneys and the bladder and if you have female reproductive issues you want to make sure you're cleansing your kidneys and your bladder because it is a place where toxins leave the body it also increases blood bio flow which is and it helps to bio helps with digestion so you need that to flow some people are clogged up and the bio is not flowing it is also anti has anti-cancer properties and I could literally go on and on with the um with the benefits of grape juice but I'll just leave it there because that's a lot of information but if you can get this book so that you can get more information about what grapes can actually do to do for you and if you want to know how to get on a detoxification protocol sign up for a 10 minute strategy session with me and then we can talk briefly just to see if working together is going to be an option for you if you need additional help like I have lots of videos where it is teaching you everything you know pretty much what you can do but some people they need individual attention and if that's you you know get on my calendar let's see if it would be good for us to work together if this video has helped you in any way please comment below I would love to hear from you if you like this video please give it a thumbs up share it with a friend and don't forget to subscribe until next time y'all take care


Good evening. Good evening. Go out for a while. Before we get started, I just want to do some quick introductions. And we have a very quick announcement as well. I am Brayden Vincent. I'm the Vice President of the University of Arizona Objectivist Club. Some of you may be wondering what is an objectivist and what does an objectivist club do? Thanks for asking. Objectivism is actually the philosophy of Ein Rand, the author of Alice Schrag and The Fountainhead and many other books that I don't have time to mention right now. But at its essence, objectivism is the belief that a man's sole moral purpose in life is to seek his own rational self-interest and his own happiness. I forgot what I was going to say. I'm going to pull out my notes for a second. Another central tenet of objectivism is Lazy and Fair Capitalism. That is the only way to preserve individual liberties. And that are necessary to live life according to your own values. Our club is committed to discussing relevant political issues as they apply to objectivist thought. And that's obviously what we're doing here tonight. But this would not have been possible without the help of many, many people. So tonight we would like to thank our co-hosts, the University of Arizona College Republicans and the young Americans for Freedom who have tables out front. They helped us prepare this, get the ball rolling up. We would also like to thank the Ein Rand Institute for their funding and for the resources that we have here tonight. We would also like to thank our debaters, Dr. Joyner, Dr. Brooks and our moderator, Dr. Stegman. And without further ado, I will turn over the mic to our moderator, Dr. Stegman. Thank you. It is my honor to serve as the neutral party here. I will keep the introductions very short. I'm a professor in the Eller College. Dr. Joyner, who will speak first by a coin flip that we had a few minutes ago, is a professor in the Eller College, in the School of Public Health and in the College of Medicine, of course, the most important one, and is the former dean of the College of Medicine. And Dr. Brooks is the president and executive director of the Ein Rand Institute. So the format will be, Dr. Joyner will have an opening statement, then Dr. Brooks. Then I will ask three questions which each person will have a chance to answer. They will alternate who answers first. They have not seen the questions. I have not discussed the questions with them. My goal here as the neutral party is to help everyone through these gentlemen become more informed about this highly complex piece of legislation about which there is great uncertainty about the ultimate outcomes. So after the moderator questions, they will each have a chance to ask the other person a question. Then we will have closing statements, and if brief closing statements, and if we're on schedule, there should be at least half an hour left for your questions. Are we going to, who's looking for my leader? Are the questions going to be collected by cards or are we going to do that by hands? Okay, very good. All right, so that without further ado, I will turn the floor over to Dr. Joyner. Thank you, Mark. Can you hear me? There's been a lot of interest in this debate, and I received a very interesting piece of advice yesterday from a colleague at Tucson Medical Center. I am on. Is that better? Or worse? Let's see how it goes. She was a drama major in college, and she advised me to stay largely away from logic and to focus on emotion.  So I will start with logic and imagine that as the debate unfolds, my emotions will heat up. So I think there's a general consensus probably among almost everybody in this room, and certainly more broadly, that health care reform is needed in the U.S. But opinions vary widely on what should be done, and I think in the absence of clearly elucidating the problem we're trying to fix, it's nearly impossible to have a reasonable debate about the potential solutions. Here's the core problem. The U.S. has extremely poor value for the health care dollars when compared with other developed countries. And comparisons are the only meaningful way to judge the performance of our system. There is no absolute standard that we or any other country can use to judge performance. For example, should the U.S. have an infant mortality rate per 1,000 livers of 5 to 10 to 7.42? On average, in the U.S., we spend either per capita or as a percentage of GDP 2.3 times more than other developed countries on health care. If we've got what we were paying for, we should have by far the best health outcomes. But we don't, not even close, using a range of metrics from infant mortality to life expectancy to outcomes in diabetes, heart disease, and many more, they typically rank towards the bottom. I'm sure some of you are saying to yourselves, wait, we have the best health care system in the world. The simple fact is that we don't. We unquestionably can't provide the most technologically sophisticated care of any nation, but that is neither a direct measure of overall quality or of value within our system. Up until the Affordable Care Act, the U.S. was the only developed country without a mechanism for universal access to care. The 50 million uninsured in the U.S. who have demonstrably poor health and those without, those with insurance are major reason our health care quality lags behind other countries. They also contribute to higher costs. Up to one-seventh of health insurance premiums go to cover the costs for unreimbursed care. When individuals are forced to use the emergency room for their primary care, no one denies it. A common retort is that health care in all other countries is socialized medicine. It supposedly leads to lack of considerable choice, long waits, an overbearing bureaucracy, and more. Put simply, these characterizations are inaccurate, misleading, and oversimplified, as pointed out by study after study. And they ignore the fact that some of the most highly regarded programs in the U.S. by consumers for value, for efficiency, for friendliness are Medicare and the Veterans Administration health care system. In fact, the latter is a classical socialized medicine delivery system. Our health care costs and overall quality are a tremendous drag on our economy. On a global level, they impact our competitiveness. On an individual level, two-thirds of all personal bankruptcies and the majority of home foreclosures are due to medical expenses. We are the only developed country in which either can happen. So what do we do? You will hear tonight an argument that capitalism in the market are the best approach, or at least I assume that's what you're going to hear. But it's not going to come from me. And the government regulation and intervention not only led to the current situation, but are to be opposed to every step. As you can imagine, from what I've said, I could not disagree with one. The market will not and cannot improve the situation in the absence of government intervention. Why is this? It's because health care violates more so than any other industry, basic features required for a market to function. In a well-functioning market, the buyers, in this case health care consumers, have full information about the value and the cost of what they're buying, and hence are able to compare products and services based on price and quality. This process drives meaningful competition, meaningful competition, and increases in efficiency. In health care, consumers can typically judge near the quality of the care they are receiving, nor do they know the total cost of those services. Prices are obvious to you, particularly for inpatient care. It is only when patients receive the bill that they learn of their out-of-pocket costs, which we pointed out are not the total cost of the system. Competition based on either price or quality is largely included. This is not in a functioning market, and it is why government regulations need it. Regulation leads to quality standards for providers, hospitals, and insurers. It helps to control costs. Government services are steward for the health care needs of the entire population. Where does the affordable care act come in? It provides a mechanism for the vast majority of uninsured Americans to obtain coverage and avoid the disastrous consequences of being uninsured. It allows children up to age 26 to stay on their parents' health insurance policy. It guarantees that individuals with pre-existing conditions, such as cancer or heart disease or being a woman, can purchase affordable insurance. Hope the individuals who develop an illness cannot be charged more or have their coverage dropped. Medicaid expansion and the health insurance marketplaces guarantee that individuals previously unable to afford coverage cannot do so. The list goes on and on, and when the public is surveyed, they are in favor of all of these individual changes by two to one margin or more. This is all done with transparency and pricing, and there is no competition among private insurers in the same clear descriptions of benefits and costs. In the absence of regulations, these have not and would not happen. Insurance companies would cherry pick the healthiest consumers and price discriminators without sufficient attention to the ability to pay or to need. They seek to maximize profits, which is exactly what their shareholders expect them to do. We don't have to guess about this. There is overwhelming evidence that it happens. I'm going to presuppose again that Dr. Rope may contend that over-regulation of the insurance industry has created the problem. My response, even the most conservative analysts, of analysts who have looked carefully at the data can do otherwise. More importantly, it doesn't pass the SNP test. The U.S. already spends more than other countries and has worse outcomes. The reasons are multiple, but further unleashing the profit model in the absence of a functioning market will only exacerbate the problem. I have 30 seconds left, and so I wanted to use it to butter up my opponent. I want to say that when I went on the Ayn Rand site and looked at the videos, the thing I was most struck with is they stick to principles. They don't get caught up in minor details. And it's very refreshing to be able to have a discussion about the philosophy and about the principles rather than some of the less helpful and less informative issues that come up in the policy of the politicians. It wouldn't be for me. I was going to compromise right off the bat. This is good because this agreement is pretty fundamental. Not only about Obamacare, but about the causes of the current crisis if there is one, and about what the nature of the crisis actually is. In other words, the efficacy of the American healthcare system as it is today. There are dramatic differences even when it comes to simple factual issues like that. So let me start by asking, you know, what is the problem? And we kind of agree the problem is the cost to seem to be too high. We've got a lot of people uninsured. We've got people with pre-existing conditions who can't get new insurance. We've got this problem of emergency rooms, people going to emergency rooms. That's not the ideal place to treat people for the flu. What wasn't mentioned is a crisis in the making, in my view, in Medicare. Medicare is bankrupt, to put it mildly. If you project costs into the future, it is draining the funding of this country in dramatic fashion. It's probably underfunded by something like $60 trillion. That's not my number, that's the government's number, in terms of future expectations versus future revenues. And Medicaid, which produces very low quality healthcare and very low quality results and is incredibly expensive. And there's bankrupting in the process of bankrupting many states. This is a cost that is being pushed down to the state level. So we've got two massive government programs. Medicaid, no question, provides some of the best healthcare in the world. But at the same time, it's costing a fortune. My view is, all of these, without a doubt, all of these are caused by too much government. Too much government regulation, too much government involvement, too much government purchasing of healthcare. So let's start with this fact, and hopefully this is one fact we can agree on. We don't have free market healthcare in the United States today. The market in healthcare today is heavily regulated. It has elements that are free, but it has heavy, heavy involvement of government. Of every dollar spent on healthcare in the United States, government spends 51 cents. So this is not a market. This is a mix, a lot of government, some private healthcare. And even the private healthcare part of it, the insurance segment of it, is heavily, heavily regulated and controlled. Every one of these things, costs, uninsured, all of these are problems created by this structure. Why healthcare costs high? Well, the answer is pretty simple, right? When the government starts buying hammers, the price of hammers goes up. When people spend other people's money, they don't pay attention to costs. Now what government buys? Prices go up. Look at your tuition. It's not an accident that tuition is going through the roof, as government is intensifying its efforts to subsidize your tuition to give you more and more student loans. This has been growing. The more loans and the cheaper the loans are, guess what will happen? Tuition will go up. Costs always go up when the government starts buying stuff. Go back to kind of military spending and you can see this in spades. Why do we have uninsured? Because insurance policy is expensive. Why are they expensive? They're expensive because they're ridiculously regulated by the states, not the federal government. In this case, the states. In California, I'm 52. I've got two kids of my pure age. I'm done when I have any more kids. But when I buy health insurance today in California, I have to buy pregnancy coverage. I have to buy a whole bunch of coverages that I'm never going to use. Everybody knows I'm never going to use. Now what happens to prices when they cover more than you're going to use? They're going to be much higher because the insurance company doesn't know that we don't plan to have any more kids and they couldn't price that anyway. So prices is if I am. So the uninsured problem is caused by the fact that we have very expensive insurance coverage. We don't have competition insurance. The insurance companies, there are very few insurance companies because very few of them can work with the government. So we have very few of them. We don't have real competition. We don't have real innovation. We've never experienced real insurance markets. On top of that, and this relates to the pre-existing condition, but also the uninsured, the government in this country is getting our health insurance from our employer. Why? We don't get our home insurance from our employer. We don't get our auto insurance from our employer. We don't get our life insurance from our employer. We get them as individuals.  That's weird. What does your job got to do with your health care insurance? Nothing. Why do we get our health insurance from our employer, not private? Because government has given them a tax advantage. And as an individual, you don't get that tax advantage. This goes back to World War II. Ask me if you're interested in all this. And we can go on and on about how government basically completely regulates and distorts this market. What have we done with Obamacare? What we've done with Obamacare is doubled up. We've said, and this, by the way, is just a general principle in politics, whenever something doesn't work, try more of it. Stimulus doesn't work, it's a bigger one. Minimum wage causes unemployment to rates raises even higher.  It's exactly what we're doing here. We're going to regulate insurance companies even more. We're going to have them require coverage that I don't want, require even more coverage that I don't actually want. We're going to intensify all of this to make it more difficult to destroy more of the market, and ultimately the consequence is going to be exactly the same, raising costs. Now, I can say a lot about socialized medicine, which I have personal experience with. I'll just say this, I completely disagree. Outcomes in the United States are far, far, far better off, and I'll just give you two quick examples. My father's a physician in Israel. Israel has one of the best healthcare systems in the world. It's a Jewish country, so it has lots of doctors. But when my dad had a patient who was really, really sick, and who could afford it, he put him on a plane and he flew into the Mayo Clinic. When Bolasconi, the prime minister, the rich prime minister of Italy gets sick, he doesn't go to France, which according to the UN has the best healthcare system in the world, he comes to the US. There is no question that if you insure it, if you insure it, in that area where we allow some private medicine, we have the best healthcare system in the world. If you take out the factors of lifestyle and other factors and you look at heart disease and cancer, if you have heart disease and cancer, this is the country you want to be in, nowhere else. And again, we can talk about infant mortality and why that happens and life expectancy and so on. But you do not want to be treated in any other healthcare system other than the United States if you have health issues. Now, there's a fundamental here, which we'll get to, I think it'll come up. What Obamacare does and what healthcare generally has become is a massive mechanism to redistribute wealth. Right now, the focus really is on sacrificing you, young and healthy, well, not you, because you get covered by your parents.  Generally, we don't have insurance anymore. We have a massive system of redistribution of wealth from young and healthy to sick and old. Now, I believe that is immoral. I believe that's wrong. I think you guys should be out in the streets demonstrating against it because it's going to screw your lives. And I'm out of it. We're going to ask that we hold applause until the end so that we don't get into an applause competition. And that will also... It's good. We're known about a market and applause here, so lacking a market will suppress it until the end. But the after-closing speeches might be a good time. So according to our preset plan, the first question will go first to Dr. Brooke. And my question is, the legislative process that created the Affordable Healthcare Act was messy with many powerful interest groups trying to affect the final legislation. Looking at the law that finally emerged from that process, who are the winners and the losers? Wow. I think almost everybody's a loser. I think there are very few winners. Insurance companies are winners in the short term. They get massive subsidies. They get supposedly... If everybody signs up, they get new entrants. So in the short term, they're winners. But in the long term, there will be no insurance companies in the U.S. I mean, Obamacare is just a stepping stone towards universal healthcare and towards the complete socialization of medicine. It was never meant to work. The idea that Obamacare was meant to work, in my view, is ridiculous. It's set up to fail, and the failure will then lead to universal healthcare. Patients, you guys who are young are particularly screwed. I think if you have pre-existing conditions and you're in your 50s, you're better off.  So I think it's primarily those who are with pre-existing conditions who are older, who are in the short term better off. But long term, nobody is. Because long term, what the system leads to what all socialized medicine leads to is rationing. It leads to government controls over procedures. It leads to a complete disappearance of innovation, of real competition, of trying new things. It's not an accident that over 75% of all medical innovation happens in the United States. And we're trying to kill that. And the whole world will suffer because they free right off of us all the time. They free right off of our drugs. They free right off of our medical devices. They free right off of our new procedures. We develop them. We pay the cost for them, and they get them basically for free. So long term, everybody loses. Short term, they are here and they're winners. But let me just say, this sausage process of creating legislation, this is the problem. This is why health care shouldn't be, government should have no involvement in health care. Because the whole issue gets decided by pressure groups, by who gets what. I mean, the discussions now about, this business lobby and that business lobby, lobbying for this, lobbying for that, extend this, give us this favor. It's not designed to be the best, because it can't be. Because it's designed by, because it's about redistribution, it's designed by all kinds of pressure groups who want to make sure that they get stuff and don't have to pay for stuff. So it becomes a battle of these forces that are fighting each other. And this is the nature of economic legislation out there. What it resulted is a disaster. It usually leads to more problems, not to solutions. And, again, in the marketplace, you don't get this. In the marketplace, you get real competition. What you get is a process by which innovation, coverage innovation is successful. And where people have an opportunity to ensure themselves, maybe to self-insure themselves, to make decisions about how to use their money for the furtherance of their lives to the best of their ability. Well, so, first of all, let me start off by saying that this debate is supposed to be about the Affordable Care Act. And a lot of what Yaron was talking about was not part of the Affordable Care Act. And specifically, that's cost control. So I think one of the ways that benefit will ultimately come about through the Affordable Care Act is through cost control, not only through some of the mechanisms that I didn't mention, but that are in the Act. Now, why wasn't there more cost control in the Act? Because everybody loses when there's cost control. The doctors lose, the insurance lose, the medical device manufacturers lose, the pharmaceutical companies lose, and the consumers lose if what it means is that you have to bear more of the cost. Here's the other reason why there wasn't more cost control. It has been very difficult, if not impossible, to control Medicare costs because seniors push back against any notion that they're going to have a cut in benefits. So the legislature over and over and over overrides the recommendations of a group called MedPAC, which says that the cost should be controlled. I think that everybody is going to benefit in terms of the transparency and pricing. It will become more possible to have a true market. I don't agree, as you could tell, with the notion that we really have a market here, and I think I made that as clear as I could. And then I think the biggest winners are those who are uninsured or underinsured. That's a lot of people, and it is devastating to these people. The health insurance, the Affordable Care Act is fundamentally an insurance act. That's what it is. The Obama administration wanted to put more cost controls in. They were stymied at every point by the legislature, which I'm not saying is right or wrong. It's just that's not what the Affordable Care Act is about. I agree we spend too much, but there are other approaches that have to be brought to bear to control the cost. I think the Affordable Care Act is a first step. I didn't talk about what some of the mechanisms are, but we might get into that. I just have to respond to this comment about international comparison. That's not what the data says. It's just is not what the data says. Patients with heart disease, diabetes, respiratory disease do worse here than age-matched, gender-matched, income-matched individuals in other countries. They just do. That's what the data says. Anybody who wants to look at a report, I encourage you to look at the Institute of Medicine report that came out within the last year. Institute of Medicine is the most prestigious body of physicians in the United States. My wife happens to be a member of it. There's only about 500 members. They are basically acknowledging just what I said. The second question will be answered first by Dr. Joyner by prior agreement. All of the other industrialized countries have systems where everybody effectively has health insurance. That doesn't mean we should do that, but that's an observation of how those countries run their systems. In this country, there are certain markets, notably the car insurance market, where the government requires drivers to have car insurance. Again, that doesn't imply that we should do that with health insurance. There is, I think, a fundamental philosophical question underneath your different responses so far in your opening remarks. I'd like you to address this fundamental question rather than the details of the Affordable Care Act. The question is, in a well-designed healthcare system, should people have the option of whether or not to have health insurance? We first Dr. Joyner and then Dr. Joyner. Well, I would say, yes, they should have that option if they also take accountability for the costs associated with any illness that they acquire. That's the fundamental problem with not having insurance and needing care. Basically, what's happening is that the costs that are being borne by the system get passed on to other people. And that healthcare is something that we know everybody will need. That's one of the... Is there a... Is there something going on here? Unlike even car insurance, not everybody drives it, but everybody is going to need healthcare. And again, I don't think one should be forced to buy health insurance, but by the same token, to imagine that you don't need to buy health insurance and then the costs for that and the societal complications and economic consequences are going to be passed on to others, I think is a real problem. That's why, among other reasons, why every other developed country has a way to provide coverage for the entire population and there's multiple different ways to do it. One looks across the spectrum in other countries and it's not socialized medicine, even close to it, using the conventional definition. In fact, there's far less government involvement in many of the countries in Europe than there is in the United States, far less. Only 10% or so of the spending in Germany, France comes directly from the government. It comes from employees and employers. So I think that when I've traveled to Europe and I'm not suggesting this is necessarily the attitude that we have in the United States, in fact it's not the attitude. They just cannot understand how we could have a society where we don't provide healthcare coverage, just beyond imagination. I think it's because they view this as something that, if not a basic human right, is something that people will always need to access and that they can't predict what it's going to be. There's uncertainty associated with healthcare and the way to deal with that is insurance. This really goes to the heart of the philosophical difference, I think. I don't think society has obligations towards people. Society is not responsible for you. You are responsible for yourself. Society shouldn't dictate whether you have health insurance or not. Now, as a consequence, you should bear the cost if you get sick and you don't have those insurance. You should bear the cost. And there's only two ways in which if you can't bear those costs, you can get, if you will, health services.  He doesn't have the money and you live in my kind of world, right? Where if you don't have health insurance, you're not going to get treatment. He has two options. He can come to me or to anybody and ask for help. And I might help him. I think people generally are generous. There's lots of charity in the world. And I might not. It might be time to pay that tuition bill for my kids, right? And I don't have the money to help. That's option one. His second option is to pull out a gun and take my money. Those are the only two options. There are no other options. What we are saying, losing my voice, what we are saying is that if you get the community together and they vote to take my money, then it's okay. Because when we say everybody has to have insurance, well, who's going to pay for that insurance? Well, we are. How are we going to pay? Well, it's going to be forced from us by the point of a gun. Try not paying your taxes. So, you can either ask for help through charity or you can steal their money. Democracy allows you to vote to steal some people's money and give it to others. That to me is morally wrong, morally offensive. My money is my money. You want my help, ask for it. I'm not obliged to help you morally. I'm not obliged to help you legally. But you certainly have no right to steal my money.  It doesn't give you a right to my stuff. It doesn't give you a right to my stuff. That's the fundamental moral question. Does any group, because they have a need, does that need give them a right to take from others? Does the fact that they are today, five-year-olds who are uninsured give them a right to your stuff? Because you're going to have to pay higher premiums under Obamacare so that they can pay lower premiums so that we can redistribute well from you to them. Why? Why shouldn't you have the right, the ability to make decisions about how to use your money? What kind of choices to make with how to spend the hard-earned dollars that you will make when you go out there and work? You guys love choice, right? You love choice when it comes to who to marry? You love choice? What, to smoke? Why don't you want choice about how to use your money? I did have some prepared questions, but given how the debate has gone, I'm going to go a little bit off agenda and the third question I'm actually going to ask two, I hope, shorter questions. So the first question, two-part question, the first question is very specific. Right now, federal legislation, federal law requires that an emergency room admit someone for care, regardless of their insurance status. Should that law be eliminated? No, I've got your problem. Should that law be eliminated? Should people continue to have the right to show up at an emergency room or should the emergency room be able to say no? The second question is, it will clearly take time to fully assess the effects of the Affordable Care Act. In the end, what measures should we use to determine, objectively, whether it is a success or failure, compared to the status quo that existed before the act? So, emergency rooms, what's interesting about this is by law, emergency rooms are required to treat anybody who walks in, but this is a relatively new law. In 1986, under the Reagan administration, I believe in repealing that law. Yes, I believe emergency rooms should have the option to turn people away. Certainly if you have the snivels, you should be allowed to be turned away. Or if you can't pay for something that's not urgent. But the fact is, pre-1986, it was unheard of that an emergency room would turn somebody away for a life-threatening disease. Every hospital had a charity fund in those cases where they had to treat them where it was life or death. But if it's not life or death, yeah, if you can't pay for it, you shouldn't get it. If I can't pay for food, you're up for charity to go get food. You don't ever wait to take mine. How do you measure success or failure? I mean, to me, the measures of success or failure at the end of the day measures of freedom, of individual liberty. I mean, how free are we at the end of the day? In terms of the choices we have, in terms of the options that are available to us. And I'm not just talking about freedom of the consumer, but freedom of the producers as well. A doctor's fear, a nurse's fear, medical device manufacturers, drug companies, freer once Obamacare is implemented or before Obamacare. I mean, we all know the answer to this. There are a lot less free under Obamacare. And therefore, I've already declared a failure by that standard. To me, the standard is individual liberty. It's not a consequentialist. It's not how many people are healthier over the cost or any of these other issues. Although I believe strongly, and I think there's plenty of strong evidence, that freedom leads to the good consequences. Prices go down when you have competition and when you have freedom and when you have liberty. You know, LASIK, which is not covered by any insurance policy, technology has improved dramatically over the years. Guess what's happened to costs? Gone down. Just because government is not involved in LASIK other than approving their technology, they leave it alone. They don't regulate it. They don't control insurance companies and so on. And you look at very similar phenomena in what do you call it? Pet medicine. Veterinary medicine. Very similar phenomena. Prices go down. Competition does that. So I believe strongly that when you allow for liberty of the individual, you get the right outcomes as well. Because Obamacare violates the principles of liberty, the principles of choice, the principles of freedom, it is already a failure and nothing that it can achieve will change that. So let's just say that unfortunately one of you on your way home tonight is hit by a drunk driver in your car and let's just say you don't have health insurance and you show up in the emergency room. By Euron's argument, he says if it's not life or death, then the emergency room shouldn't see it. Well, as a physician, I would like to say making that determination in some sort of clean way is impossible. It's impossible. There's a grazo. And I won't sort of give examples, but I could easily give examples. So I think to imagine that people shouldn't be able to get care in an emergency room if they don't have insurance because you can somehow discriminate people who need it from somehow those who don't is a fallacy. Of course, I completely agree that it doesn't make sense to use the emergency room for primary care. That's why the Affordable Care Act is such a good idea. It's exactly what happened in Massachusetts when they adopted Romney care, which as you understand, I suspect, was the template for the Affordable Care Act. Emergency department use has gone down. Quality has gone up. Costs are going through the growth and I, again, that's not the debate as far as I'm concerned here because that's not what the Affordable Care Act is about. Now, I have to comment on the LASIK example. I thought maybe this was coming. That's not what health insurance is supposed to be about, not for something like LASIK, which is a completely elected procedure where there's not uncertainty about whether you're going to get the procedure or not whether you're going to get sick or not. That's exactly the sort of circumstance that insurance shouldn't cover. It shouldn't cover cosmetic surgery. And it doesn't for the very reasons that that's not what insurance is for. Insurance is for uncertain events. Uncertain events like getting hit by a car. Uncertain events like, I'll bring this up now, it's just unimaginable to me that people should be held accountable for their health-related problems that are genetic in origin. If a woman has the BRCA-1 and BRCA-2 gene mutations, like Angelina Jolie has, she has a 90% chance of getting breast cancer. Well, is it reasonable to think that she shouldn't be able to, she should have to pay for it because she had a genetic predisposition that came from her parents? By the logic I'm hearing here, she should have chosen different parents. All right, we'll keep the audience in action for later. And you will have a chance to direct questions to the speakers. We're now in the phase where each can ask one question to the other and then we'll move to closing statements. So by the original plan, Dr. Brooke has a chance to ask Dr. Joyner a question with a two-minute response and then likewise. So I'm just, I'm curious about your view on the redistributive impact of all of these, of Obamacare and really all social issues and how morally, if we can shift to it, do you view that as justified? That's the question. I think it's completely wrong. I think it's completely justified for society to look out after the health of their citizens. I think that's what a society should do and government is the way that that's accomplished in conjunction hopefully with the private sector. One of the problems with the Affordable Care Act in terms of implementation is that it is an attempt to integrate government and private industry and that just doesn't work very well and we both agree upon that. So, you know, you can make the argument while you privatize it all and I clearly don't think that's a good idea but you could also make the argument that you have a single-payer system and I'm not going to say that's the right idea or the wrong idea but if you sit in the middle you are going to have problems. The Affordable Care Act was constructed based on the notion that we wanted to keep our employer-sponsored insurance process the same and I disagree about why we started down that path and I'm wandering a little off the topic but the reason why employer-sponsored insurance was adopted in the United States is that wage and price caps were put on place during World War II for industries and in order to attract employees they gave additional benefits and then we followed something called path dependence where we just kept modifying that system. I agree it doesn't make sense, it doesn't make sense but it is the system we've had and we tried to stay with it through the Affordable Care Act. You know, if we had to start all over again we wouldn't do it that way but we're not starting all over again in this country any more than any other country is because we're too far down the path. I'd like to hear another description of how insurance regulation is responsible for, let's just say, higher costs because I can't connect those dots and neither can the analysts that I've read including Chris Conover from the Cato Institute which is one of the most conservative sort of think tanks there is. I mean the data that I see and the data that I read about doesn't connect insurance regulation to higher costs. Well, I'd suggest reading Ken and again because I don't think that's the conclusion it comes to but I'd suggest reading John Cochran from University of Chicago who's done a lot of work on healthcare pricing and how a market would look like if it was truly privatized and I think he would agree. I think the number of ways in which any time you, so for example I gave the one example of mandates mandates clearly raise the cost if you added to a auto insurance that they will require to pay for oil changes if they will require to pay for every scratch whether you the consumer wanted that coverage or not then auto insurance prices would go up because they would have a much broader spectrum in which to cover. There's another sense in which and this goes back to the tax advantage because employers buy insurance there's less competition they're far more of these employer groups and therefore they're far fewer products the products that insurance companies devise are devised for these group policies rather than individual policies, individual needs which would generate a lot more competition and ultimately lower prices. But regulations generally you go industry after industry after industry, whenever you have regulations and if you go to places like California or New York where you have heavy regulations prices are higher. So for example in New York where you've got imposed guarantees costs are through the roof in New York and indeed Obamacare is actually reducing the costs for New Yorkers. In New York you're actually under Obamacare to get cheaper health insurance because it was so heavily regulated before there's actually a reduction in a sense of regulation. Regulation always raises the cost of doing business because it constrains competition it constrains, it allows the insurance companies to control the markets. This happens in every single industry. Now each speaker has a chance to make a three minute closing statement and according to the original plan the first opportunity goes to Dr. Joyner then Dr. Brook will make the final statement and after these closing statements I think applause would be appropriate if you wish to do so and then after that we will go to audience questions. Well I'm going to return to the basic point I made in my introductory statements and that is that healthcare doesn't operate like a market and I'm just going to reiterate that there's too much uncertainty there's a no understanding at any sort of appropriate level at any meaningful level of what quality of care means you know whether you get better or worse that may or may not be related to the care you get because in general consumers it's information asymmetry but worse the costs are obscured and the costs are obscured in part if not in large part because of the profit motive the costs are not obscured with Medicare but the costs are absolutely obscured frequently with private insurance and one of the things that that has done is to drive prices through the roof the prices of our services in the United States are three to four times those what they are in other developed countries our costs are not higher because we utilize more services in fact we utilize less people go to the doctor less they have fewer hospitalizations they have shorter hospital stays we have fewer physicians so in terms of utilization we are lower than most other developed countries but our prices are three to four times as high why is that? because there's no price transparency if there's price transparency then you have competition and the absence of price transparency you can't possibly have competition because nobody knows what the price is nobody knows what the cost is I just want to come back to this issue of insurance and the problem that one gets into with insurance if you don't price it appropriately with redistribution and that is a well known concept called adverse selection and this is crystal clear that this happens in healthcare and in the health insurance part do you have a group of individuals who have insurance and they're paying approximately the same amount of premiums but some of them are healthier some of them are sicker the ones that are healthier are going to drop out of the insurance pool that raises the cost for those who are insured and are sicker this leads to what's called the death spiral and it unravels very quickly there's all sorts of evidence for this and you just can't have a situation that functions where insurance companies are setting prices where they can charge people who are sicker more and have a functioning system so let me try to make two quick points of course healthcare can operate as a market yes there are massive asymmetries of information that's what markets afford to solve those problems and the problem is a lack of imagination I can think of ten different ways in which the profit motive could lead to closing those asymmetries of information we don't see it today because we have no market the adverse selection problem exists absolutely but it is solved by markets when they are free to function properly you don't get death spirals you actually get healthy markets that produce products that consumers actually desire price visibility is a consequence of consumers demanding that if you create a system like we have today where consumers have no incentive to demand that of course there's no price transparency markets are the way to get all of these things but I want to step back a moment and I'll get caught up in economics and make this one point we have a fundamentally different vision of what society should be like and its function should be I believe that government is there to do one thing and one thing only the role of government is to eliminate coercion from human life it's to allow us to be free it's to allow us to pursue our happiness to allow us to pursue our lives to make choices that we see fit make mistaken choices make good choices, all kinds of choices but government is there to protect us from the crooks, the fars, the gangsters the terrorists, the found invaders but other than that to leave us alone to let us pursue our lives to let us make choices to let us use our minds to engage with reality to find the best path for each one of us and there are going to be different paths to achieve our happiness by pursuit of rational values government is not there to be unannied government is not there to protect us from ourselves it's not there to protect us from the marketplace that's our responsibility to live the best lives that we can live when government tries to do all those things the only way it can do those things is by limiting our liberty limiting our options reduce our ability to pursue our life, liberty and happiness and that is the tragedy of America today and the tragedy of our healthcare and the rest of the country are hitting thank you


Because just before all that happened as well, everybody knows with the Harry and Megan thing, you're very outspoken. You broke the story of them leaving. Yes. How did you get that story? Because that was World Headlines. Yeah.  But the one of the most known couples on the planet. Yeah. Americans love the royalties. They love Megan and Harry as far as I know. But how did you, how did you get that information? So basically, I had been working. I'd basically been breaking stories about Megan and Harry since a few months after they got married, because, you know, became the biggest story in the world. But what was frustrating me is that all of this stuff was going on behind the scenes. So this huge fallout between Harry and Megan and the rest of the royal family, including the late Queen, by the way, and no one was writing about it because there's this weird system in the UK called the Royal Rota, where the royal reporters are like officially sanctioned to cover the royal family. And I actually described them more like stenographers or like PRs for the royal family. They don't really want to rock the boat because the other people who, you know, if I don't know, King Charles goes to a trip to India. The Royal Rota, they're all on the plane. They go to all the events with him. They see him every day. So they don't really want to go against the narrative, right? And I'm a journalist that believes in exposing the truth, especially if the truth isn't being told. So I believed it was a story actually of constitutional significance. And it turned out to be that way, given they left the family in such dramatic circumstances or left the firm in such dramatic circumstances. But actually the first story that I broke became quite famous. It was known as Tiara Gate, and it was basically about the fact that the late queen and Meghan had had a big row over what Tiara she was going to wear at the wedding. Now, there's been much said about this at the time, but since the time, sorry, and Meghan and Harry have put their version of events and, you know, there's disagreement about the exact details. But the fundamentals of the story were true, right? Which is that the late queen really didn't like Meghan and the way she was acting and had told Harry off about the way that she was acting. And within that story, I also revealed that Kate or Catherine, the princess of Wales, had had a fallout with Meghan. So this was the start. It was the first time it was the first time any mainstream media outlet in the world had reported on any issues between Meghan and the royal family. Of course, we know things were actually a lot worse than that. You know, Prince William and Harry were physically going at each other in Kensington Palace. You know, it was bad. But it's really hard to be the first because it was all denied.  No, no, no, they all get on great. What are you talking about? Oh, this is just this, you know, tabloid hack, Dan Woodson making stuff up again. But I knew it was true, right? So I kept working on the story and I broke lots of stories over the months and months. And actually, people started realizing that I was the person with the balls to break the true stories. So I got more contacts, more royal contacts as I went on. And it culminated in Meg's set. And I was actually on holiday in New Zealand. It was just after Christmas 2019 and I got a text message saying you're not going to believe it, they're leaving for good. And I worked on the story for about 10 days while I was on holiday in New Zealand. I was nerve wracking because they and Harry has actually since revealed this in his book, where he described me as the sad little man. And you know, I'm not little. That's mad that he's put you in his book. Well, yeah, because because I mean, he really dislikes me. But can you understand why though? I actually can't because I was not. None of this was about me disliking Harry or Megan, right? I dislike them now. But none of my reporting was about disliking him. It was just the truth. It's like he's admitted all of these things happened in his book. Do you see what I mean? It's like he did fall out with everyone. He did fall out with William. They did want to leave the royal family. So I don't really understand it, to be honest, because the other thing is that I was talking to all of his team as well, who were briefing me and giving me information. I didn't want to destroy them or anything like that. That was that was not my goal. It's just this was a big story.  Sorry, the son of the now king, quitting the royal family. I mean, it's a huge story.  It's just not true. And the problem is that compulsive liars about both of them. See, I love the idea because of Princess Diana. I love I love her. I didn't know about I seen the way she operated the move. She seemed like a kind, hearty person. I don't know, but I always wanted the idea. He was I seen his mum and him. I seen, OK, he's trying to protect his misses. And I could understand that, but then he says they want peace. But then I started questioning, well, wait a minute, you've done a Netflix documentary, you've written a book because he always seemed a good kid when you see his mum and stuff like it must have been hard for the questions. Obviously, they'll know the answers, what happened to their mum and people can go down the conspiracy route and question marks everywhere and it's understandable the way it happened. But of course it is. I mean, Diana wrote a letter saying she was going to be killed in a car accident. I mean, look, I'm not saying that we should not be asking questions about the death of his mother. But the problem is that he sees everything through that prism. So he sees himself as a victim. Now, look, the way that he lost his mother was terrible, right? But he is one of the most privileged men in the world, James. I mean, come on, he has wealth and opportunities that we or anyone listening to this could only dream of.  And for example, with the Invictus Games, it's very difficult to criticize that, isn't it? I mean, what a great initiative, you know, something for injured service people to give them hope. That's the point of the royal family. And instead, what he did is allow himself to be captured by this woman, Megan, who's not a nice character, you know, who's a very fame hungry. And, you know, because remember, I've done lots of reporting on Megan and what she was like before she was in the royal family. And, you know, she was trying to like, I mean, she was just desperate to date a British guy like she tried to date Ashley Cole, the footballer ex of Cheryl, tried to date Matt Cardle, the guy who won the X Factor, tried to date Max George, who was a member of the Wanted. She just wanted a famous British guy. That's for whatever reason, she'd broken up with her husband. She wanted that. I mean, she hit the jackpot.  And she never wanted it to work within the royal family. That was that was too hard for her. So they they concocted this narrative of like racism and it's just not true. It's not true. They were given so much support. So I thought the story was really legitimate. And yes, now. I am, I guess, on the side of the royal family that comes to this. But I still think the royal family deserves scrutiny, too. And as a reporter, I've broken lots of stories about William and Catherine and Prince Andrew, which is obviously a big scandal, too. So I think the Harry and Meghan thing was completely legitimate public interest journalism. And I think the public had a right to know. And I'm proud that I did it because no other journalist was telling the truth about what went on. It takes guts. But like I say, I like the fact of his mother tried to protect the family. But then I did see the Netflix documenting. It does raise question marks. She is an actress. Again, I don't know. But but something does.  I was just going to say, Diana, because I love Diana, right? Growing up, my young closeted gay guy, she was like the ultimate. I thought I think she I honestly think Diana is Princess Diana. The most incredible celebrity of my lifetime. She's like a true icon. Like if you look back the last hundred years, who do we have? JFK, Martin Luther King, Jr., Marilyn Monroe and Princess Diana. I honestly think she's at that level of celebrity. And she did so much good as she changed the Royal Family forever. Do you honestly think Princess Diana would want her youngest son literally going to war with Prince William? Her eldest son, who she adored and she knew was going to find it so hard to become the king, she would be disgusted with what Harry had done on that front. And Harry attacked Catherine in the book and Camilla. It's like, surely there's like there's got to be like because the problem is how can Charles and William ever forgive him because they are trying to protect Camilla and Catherine. So he says he's trying to protect Meghan, right? OK, fine. But then Harry is turning on their wives. Do you see what I mean? It's it's nasty. When did it all start turning? Is that a case of him being naive, her manipulative situation and being an actress or is he a part to play in it because it may be things that happen to his mum? What's the whole outcome? He was vulnerable, wasn't he? I mean, he was clearly a vulnerable guy, sort of flapping around in life, not knowing which direction he was going to go in. And I think Meghan massively took advantage of that. But at the end of the day, James, look, I know everyone has their own family issues. But to me, family is everything. Family is blood. You know, I stick by my family through everything. They stick by me through everything. And if you have an issue, you deal with it privately. So for him to publicly attack his father, his brother, his mother-in-law, his sister-in-law in the most brutal manner, they're not going to forgive him for that now. Once you've done that, you can't take it back. Did you see what I mean? Because he's saying reassess on what's involved. Yeah. And then saying, oh, no, we didn't say that. It's like, no, no, no, you literally did. You literally said that there was a royal racist who commented on the colour of unborn Archie's skin.


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And then page two, in essence, calculates the income and then has any other taxes that are applied like like self-employment taxes or something like that and has the credits, which is a whole nother world of confusion. And then we have the payments to get to the to the refund or the amount that is due. Now, most tax formula will also give you basically a tax formula format, a more summarized way to see this. And the third is called the tax summary. So if I jump on over here, now I've got basically an income tax equation. It's trying to show it to me in a simplified way so I can jump to it and see more quickly what is happening. This is the type of thing that will basically visualize in our mind. I also oftentimes put this formula into an Excel worksheet so I can actually manually to some extent recalculate some of the tax return. Because when you do taxes, unlike when you do like accounting for a business that has a double entry accounting system that at least helps you to check. If you've made any errors, at least gives you some check. The tax code doesn't give you as much check for individual income taxes. So miskeying is a problem. So if you enter it into like a tax formula and double check it that way, that could be a way to better conceptualize what is going on. And it can give you kind of a double check to see that you didn't miskey anything into the tax codes. That's my general process oftentimes. So given that, let's try to look at this just with regards to the income tax formula, the thing that we're going to visualize in our mind. The thing that we will be seeing when we do actual tax preparation in basically an Excel worksheet. I'll actually build an Excel worksheet and we'll do this together that will kind of mirror the structure of the income tax system itself, the tax forms themselves. But because you could see the links in Excel, it might be a little bit more conceptually easier to see. I know it is for me. So the top line of the tax formula is going to be income. We have an income tax. Notice if you look at the actual form 1040 income is this vast area up top. Now notice that if you were to create your tax formula, most of the time, if you were doing this in Excel, as we will see, you would probably make an income line and then put all of the stuff that goes into the income line in other schedules. They started to do that a couple of years ago. They tried to put schedule one, two and three, which kind of gives more information about like income lines and expense lines. And you would think like if they started from scratch, that's what they would do, right? They wouldn't have everything on the first page of the form 1040. They'd say income and then all the other types of income might be on a different schedule that feeds into this income line. The reason they didn't do that at the start is because it used to be that you didn't have software to send multiple forms in and they wanted to have simple tax returns to be done on one form, not having other schedules and whatnot. But now other schedules aren't as much of a problem because we file electronically. And so it kind of makes more sense to do that. So now that's why we have in our mind, we're going to say what constitutes income, what kind of things are going to be included in income. Obviously W2 income is going to go in there and dividend income, capital gains and stuff like that. But then it gets a little bit more complex.


Oh, hi Shelly. This is Gaulty Ramsey. Probably should start- SILVER B- Ahem. Ahem. What's the story of Cornwood? Alright boys, let me tell you the story of Cleetus Cornwood. He's a retired... police sheriff... moving to Los Santos. He's a- he's a police sheriff that's come to Los Santos... moving out here to the big city. He's a retired police sheriff, but... honestly, he's having a hard time adjusting to retired life. How do I, uh, ride fast? Oh, I spam W. Oh, caps lock.  Hey, howdy, y'all. You caught me, darling. Hey, get- what's up, mate? Son, do you- do you need some help here? You know what? I think that's a bit better.  Me? No, not you. I'm talking to the guy that ate all the 18-naked cowboys at Rem Ranch.   You want to- you want to talk to a retired police sheriff like that?  You're talking to me, son?   Oh, you're on the phone? Oh, okay. No. I thought you were talking to me, son.  Wait, how- you- you're talking to the phone? Or are you talking to me?   Listen to me, son. Can I see your license? Show me your license, son.  Show- show me your license, son.  That's funny. Son, you're right. Son, you want a little of your voice when you're speaking to me? Someone need to lower my voice, okay?   You have no right to- How about you step back, son? How about you step back? Have you ever seen this before? Have you ever seen- Son, hey, hey, hey. You don't always- You don't remove a cowboy's heart there. Son, son, you want to step back, son? All right.  What do you mean, son? Son, son, son, son. Son, son, you want to step back, son? All right.   Yeah, you come out, God. This'll be good for you.    E-L-P-E-L-P-E-L-P-E-L-P-E-L-P-E-L-P-E-L.  How about you step back, son? How about you? How about you step back, son?  Son, how about you step back? How about you?    Son, son, I'm going to have to ask you right now. I'll give you about seven seconds. I'll give you about... I'm giving you about seven seconds. Five, four, three... I'm going to give you five minutes and seconds. Five, four, three, two, one. Okay. You're going with backstab past and removal. How may I help you?  Hey, this is Tony Corleone with Backstab Past and Removal. Let me help you. Look, I need a... I'm going to need some backup here. We got a 415 over on the corner of East and White. Go ahead and come out here. I'm going to need about four people here. Sam and Wayne, will you? You're going to get yourself into jail.  Alright, thank you. We'll be right here. Yes, he's armed and dangerous. I'm all ready. Please, officer, leave him alone, officer. You best get the hell... I'll give you about five damn minutes before these people show up and you're going to jail or you can leave. You got about five minutes. You can either leave or you can go to jail. Let's wait for this. I'm going to wait for these officers. Let's see. Nothing going to happen. Go ahead and get on the ground, son. Right there. Get on the curb. No, I ain't going to move. Get on the curb. Get on the curb, son. Son, get on the curb. This is the road. Get on the curb. Get on the curb. Oh, my God. What's going on? I don't understand. I really don't understand this. Can I call police at least to see? Let's see some license. Okay, let's see some license. Show me your license, son.   You got a permit to taxi in this town. Do either one of you have a license? Well, first of all, show me your budget and then I'll show you my license. Look at this. Officer Cleetus Cornwood. That's not an officer. I don't see no officers. I'm a former sheriff.  Hey, hey. You want to keep your hands off me?  I'm sorry.   Now you and your friend best get out of here before this gets real messy.   I can't watch my mouth.  By the way, I'm going to do myself a favor. Son, watch your mouth. Son, son, son.     Stop, stop talking.  See how that tastes? Do you see how that tastes, son? That tastes better than anything you could make.   I thought we had five minutes.    Okay, what does everything have to do with assing? Okay, now understand why you ate all that. Bend over. Bend over, son. Son, bend over. Bend over, son. Son, bend over, son.  Gordo will remember this. All right, how does that feel, son?  Do I need a, how's my colon? Is it okay? Do I need a colonoscopy? I think everything's fine. Look, the hell? Thank you, sir. I appreciate it.   I think he was scared of you, ex-Sheriff. Wait, he came back.    Why's that?  That's what you are.   You can show me some damn respect. I can't see.  I dare you disrespect him like that.    What 10 types of ice cream do you get in your single order?      The hell?  Talking about the fast food restaurant.  You keep...   Oh, hi, Shelly. This is Gordo Ramsey.  Don't you dare talk about my wife that way. What kind of bullets does that take? 8.1 millimeters? Yep. 8.1 millimeters. Stealing a car isn't very sheriff-y of you. Yeah, but it's not stealing a car. He's using his... Listen, he's built a lot of good will. Okay, and... Cleetis Cornwood. Nah, as a former officer of the law, I think I've earned the right to, you know, find me a pickup to drive. Oh, wait, so I can't steal this? Are you sure I can't steal this car? This would be so perfect. The hell'd you say to me, son? Wait, did I... Wait, I missed and I hit this guy? The hell? Dude, dude, did you see my aim? That was badass. Woo! Looks like Cleetis Cornwood still got it. Yeah, I've got to report it to the police. You're right. Yeah, that's what Cornwood would do. Um... Wait, hold on. Hello? Oh! Be law enforcement of the Blaine County Sheriff's Office. How can I help you? Howdy, this is a former sheriff, Cleetis Cornwood. I've been... Former sheriff? Former sheriff... Whoops. What the hell's going on? Sorry, I had an issue. It just happened. Okay. Former sheriff? Yeah, former sheriff. What's that? I'm from Rust Island. And L.A.P.D. named Pending Pending a Meeting. I was just shot by a local. You were shot by a local?  I did want to report that in my act of self-defense this man did not... I don't think he's going to make it. Well, you know what you did what you had to do? You acted in self-defense. You claim you have a legal firearm? Absolutely. Oh my...    Happens to the best of us, sir. You're up in Sandy Shores by any chance? Sorry, I have a... Okay, he's running away. Uh, I'm in... Where the hell am I? You're in Sandy Shores almost definitely. If the locals are going to be shooting you, yeah, that's Sandy Shores.   Ma'am?   Wait, what? I put the gun away. It's not banned. This isn't a real person. It's a local. 20 years' share, by the way. I know, I'm just... I'm learning the controls. Hold on, I want to see how I can do this. So, if you have a gun, you can grab... So, if you have a gun, you can grab somebody. I'm new in town, like I said. I'm looking for a pickup truck, and I... I don't know if they got pickup trucks at the PDM. Uh, yeah, this is probably fine. You can just go ahead and go now.  Wow.   Bloody old lady. Well, thank you very much for the ride, and I appreciate all the help for a former police sheriff. That's a mighty kind of you, sir. No worries, no worries. I hope you find the vehicle you're looking for, sir. Absolutely. Hey, is there anyone in here? Is there anyone? Hey. Hey, son, you work here? I'm looking for something. Maybe a pickup here. I'll see what they got here. Have you seen it? Do you hear that? Why? Do you hear that? I hear a lot of fat jiggling. Other than that, I don't hear nothing. He's having the PTSD. Okay, it's clear. Don't worry about it. Where'd he go? Hey, hey, where'd he go?  Where did he go? Are you okay? Hey, what are you doing? Nothing. What are you doing? Stop putting up your gun, man. You're pretty scary. Why did you have a gun out? You didn't hear him? Oh, you're going crazy. Oh, man, you're having PTSD in too many guns. Wait. Do you hear that? It's happening again. It's going in cops. It's happening. It's happening. Put the phone away. Put the phone away. Okay, we're clear. We're clear. We're clear. It's fun. I'm so confused. It's fun.  Thank you very much. One second. Hey, take that gun off the lungs. Sorry, are you going to talk to a police, former police sheriff that way? You are not a police sheriff. I'm a former police sheriff from Rust Island. What's going on? Are you a current police sheriff? No, sir, I'm a former...  Not him. No, this guy is pulling out a gun. Yes, the Camel guys. No, no, no. I pulled the gun out. I pulled the gun out inside. I heard him. Inside? No, I heard him. I was trying to defend your establishment. No, I wasn't going to fire. I heard a threat. Okay. Okay, what's your name, sir? Former Sheriff Cletus Conwood. Hey, why are you fleeing the scene? Don't get the fuck...   You're asking me why I'm fleeing the scene. Calm down, Judge. Calm down, man. You have to calm down.  What do you want?  Sir, I see that you're parking in a handicapped parking spot. Do you have a permit for that, sir? I'm moving from the spot I'll see you live. Sir, you've been parked here for approximately seven seconds. Do you have a... Listen, sir, just go back to business. You can be on your way, okay? Okay, is everything all right here? I think we've got it settled. Who is this guy right here? I'm former Sheriff Cletus Conwood. The hell... Well, you might want to treat me with some respect, okay? I've been here for 20 years on the forest over in a...  Please take it off the loud if you guys have an issue, huh? What's your name, son? Well, I'm Jack. We're the future mayor. I work here as well. Nice to meet you. I'm a fellow government official. Nice to meet you. I was a police sheriff. We're on Rust Island. Yes, sir. Yes, sir. I've been on the forest for 20 years. I've got my license to be able to carry here in the city. You know, because I'm... Hey, what's going on? You all relax now? You all relax now? Okay, Cornwood's got to do some yoga. He's stressed. Is Cornwood chaotic good? Basically, yes. Yes, Cornwood is chaotic good. Howdy. She getting some work in? Nice place, huh? Oh, yeah. Well, I'm new in town. Just checking out the local yoga spots. Sure, you're trying to get all limbered up. You know what I'm saying? All right, you have a nice day now. You sell electronics, huh? What kind of electronics do you all sell? We sell flat screen TV, multimedia system. We sell phones. Do you all have a license to be selling these? Another near stolen, is it? No, not that I know of. No, this is our store. Not that you know of, huh? Son, do you have any ID? Do either of y'all have any ID?  I'm former sheriff, Cleetus Cornwood. Okay, I'm just making sure. There ain't no illegal activity going on here. Y'all got anything hiding back there? No, sir. Just all of our computers and everything. Do you mind if I go take a look then? Yes, I do mind because you're former sheriff. You're a private person right now. You do not go into private... Yeah, you speak to me with some respect. I spent 20 years on the forest over on Rust Island, LAPD, named Penn and Penn and the Maiden, of course. You're going to speak to me that way? I don't care less.  Sir, you do not wear a badge right now. You're not implanted by... Is he your boss, son? Is he your boss? ...the current police officer, or sheriff, or deputy, or cadet, or anything. You have no authority here. So I will not let you in back. And even if you were, not without warrant. I'll be back with some backup. Howdy, Deputy Forces. Hi, Xing! Hi, Mr...what was the name? This is former sheriff Cornwood. Hi Cornwood, how are you doing? 我dleakly believe there may be illegal activity occurring here at the Digital Den. I went inside, and asked if i could search there back and the back room, and they did not allow me to do that. Really? Yeah. Okay. You don't have authority to just search people's places. Well, I thought out of respect. You know, I am former sheriff for 20 years. I wasn't here. I understand, but you're not a sheriff here, sir. Listen, I can't talk on the phone right now. You'll have to call me back in a moment. I'm in the middle of a traffic stop right now, sir. Alright, I'll talk to you later. Ten four. Ten four. Alright, I just spoke with my associate. All I gotta say is y'all need to watch your backs now, okay? Because if y'all are doing anything illegal, it could be very, very bad. Wait, wait, wait. Y'all hear that? Hear what? Hear what? Y'all hear that? Okay, we're clear. Anyway, like I said, y'all watch your backs. Y'all best be doing everything legal.  Should I ask you to leave or I will be trespassing you from this property? Are y'all having an accident? Wait, are you asking me to leave again? Yes, I'm asking you to leave or I will be having you trespass. No, I'm leaving. I will leave on my own, officer. I assume we have an issue here. Hello, officer. Hello. Howdy. Can I help you, sir? Is there soon to be a problem here, officer? Yeah, you want to come over here? Oh, dear lord. Howdy. Hi, you want to just sit over here? I'm former Sheriff Cleetus Cornwood. Former Sheriff? Absolutely, sir. Rust Island Police Department, L.A.P.D. Named Pandan, Pandamene, of course. Oh, okay. Okay, sir. What's going on here? I just came in here making sure there was nothing going on and then they... What do you mean nothing going on? There was nothing illegal going on. I saw they had 90% off on their deals making sure they weren't stealing nothing. They claimed they were fine. I'm a former Sheriff. Well, you were former Sheriff? Yep. Former? Yep, 20 years on the force. Okay, give me a second. I'm going to speak with... Absolutely, sir. Hey, Steven, what's going on here? Ready. Wait, where are there so many cops? Where are there so many cops? How's it going, son? Hey, it's all right, sir. Sheriff, can I call you? Sheriff, is that okay? Absolutely. Sheriff Cornwood. Okay, Sheriff. I'm going to go talk to the people inside. It seems like a bit of a misunderstanding from everybody here. I'm just going to go clear it up, okay? So we don't have any problems. Absolutely, absolutely. Please don't look behind you. Please, I apologize. That is not what police officers do.  Don't worry about it. What kind of a... You know what I'm saying? Just let me issue a sentence. Howdy, y'all. I'm going to run now here. I don't know about these guys. You're something on the ground. There's something on the ground, sir. The officer said you were investigating something out here. What's going on? Absolutely. I just moved out here. I'm former Sheriff Cleatis Cornwood. Nice to meet you all. Howdy, howdy, howdy. Former Sheriff. Yeah, just out here. I was on Rust Island. LAPD, name-pending, pending the meeting, of course. And just wanted to check things out. And I saw over here they had 90% off deals, which, to be quite honest with you, that's a little bit suspicious. I wanted to make sure they didn't be stealing nothing. Oh, yeah.  Maybe it's shutting down or something like that. And into your sale and into your financial... Wait, wait, wait, wait, wait. Did y'all hear that? Did you hear that? I don't know. Did you hear? What was it? Okay. Y'all hear anything? There's probably nothing. Sorry, I thought I heard something. Hey, Sheriff. I think I got this all cleared up. Wait, there it is again. What's it sound like? I can't hear nothing. I can hear crickets. Did you hear any of my gunshots? Just like a nom, crickets. A nom? I called it. Sorry. So I spoke with the employee. Sheriff, you worked enough. Yes, sir. Hey, hey, hey, hey. Don't disrespect an ex-Law enforcement officer son, okay? Absolutely. Absolutely. I was just saying, I just asked if you worked a nom. No, I didn't work in Vietnam. I served in the military.   Absolutely. You listen to your commanding officer son. Okay. All right, so I just have to... We don't have to have any more trouble here. So I spoke with those guys in there. I think we cooled everything out. Although they are wanting your trespass off those premises. Oh, well, no. I left on my own accord. Of course, of course.  And you have been notified of your trespass. So please don't make me arrest you. Sheriff, I would hate to have to arrest a former sheriff. Oh, you would not need to have to do that.  Okay. Wait, did you hear something? Wait. Did you hear something? He told us to stop. No, I thought I did. Oh, okay. Wait, there it is again. Wait, what? Are you okay? Okay, never mind. We're clear. It's okay. Stay safe out there, Cleetus. Absolutely. Y'all stay safe now, too. Let me know if y'all need any help. That whole thing was really good. That whole thing was really good.  That whole thing was so... Oh, dude. You know what? You know what is funny about Cleetus? You know what I think happens? I think what happens is... I don't know what it is.  Literally every interaction so far has escalated to police showing up. But now it was like... It was like literally four cop cars. Oh, so funny, dude.