Hey folks, welcome back to RM Transit, and welcome to this very special edition of Transit Explained, where I get to cover what may be my favorite metro network in the world, in the original Railway City, the London Underground. The Underground is special for so many reasons, its unique technical elements, its intriguing history, the cultural impact, and the beautifully varied locales where the system operates, not to mention the fantastic design. Oh, and it has an incredible 11 lines with 272 stations, and has been in operation for over 150 years. Much like the video I did on Tokyo earlier this year, which is absolutely worth a watch if you haven't seen it yet, this video required well over 100 hours of work, and has been in the work for months, and unlike Tokyo, I went the extra mile to pare things down to make the video shorter and more information dense, so if you enjoy it, let me know with a like and consider sharing it, or of course subscribing and hitting the bell icon so you stay in the loop with future videos. I hope that after watching this video you feel a lot more informed on the Underground, and we don't have much time, so let's dive in. Before we get started, this video is about the Tube. I already have an Explained video on the DLR, and I'll cover far more in future videos, such as the suburban railways, many of which operate like metros in their own right, so make sure to subscribe so you don't miss them, though also do check out my More Than The Tube video. The story of the London Underground really begins with the Metropolitan Railway, which was a commuter railway that originally opened in 1863, and had a tunnel which connected the Northern Railway terminals in London, such as Houston and Paddington, to the city centre, and would become the precursor to modern subway systems. Beyond the origin, you really need to know that on the London Underground, like many metro systems, there are more than one type of train. Now I'm going to talk more about the different types of trains, and what makes them different later, but for now I'll mainly just talk about the two distinct networks. The first of these networks is the Subsurface Network, which has its origins directly in the tracks and tunnels of the original Metropolitan Railway. There's an interesting dynamic here, whereas in other cities with two distinct networks based on legacy lines, the Subsurface lines have a different topology from the deep level lines. The Subsurface lines all share tracks and interlines through London's centre, with a loop of tracks being shared by several lines. This is of course highly reminiscent of the Chicago L, albeit with a bigger loop that's mostly underground or in trenches. The first line we should talk about is the Metropolitan Line, which has 34 stations over 67 kilometres of track. This line travels from Aldgate in the centre to far west and northwest of London, where several branches exist in what was and is known as Metroland, lands planned for development by the original Metropolitan Railway on essentially the same model as the Hong Kong MTR. The Metropolitan Line is the line which extends the furthest from London's centre. The next line is the District Line, which has 60 stations on 64 kilometres of track, the most stations of any line on the network, and an impressive number of stations for any single metro line. The District Line travels from far east of London in Upminster, west through the centre south of the Metropolitan Line, where it then splits into numerous branches which travel north, south, and west. Much like the DLR, a variety of services operate on the District Line, and that's likely the topic of a future video. After that comes the wonderful Circle Line, which as you may expect operates the looping route around central London that I referenced earlier, with the northern and eastern sections of the loop being shared with the Metropolitan Line and the southern and western sections being shared with the District Line. The Circle Line basically entirely overlaps other lines on its 36-stop, 27-kilometre route. Unfortunately, for fans of geometry, the Circle Line is no longer an actual Circle, and now extends west to Hammersmith, operating more like a rolled-up regular metro line. Finally, we have the Hammersmith and City Line, which has the distinctive honour of being the least used on the subsurface network. This line has 29 stations over 25 kilometres of track, and shares track with other subsurface lines for its entire length. Running from Hammersmith in the west, with the Circle Line, which it continues with along with the Metropolitan Line from Baker Street to Liverpool Street, where it splits from the Met and the Circle Line to group up with the District Line and then run out east. Now, the subsurface lines with the various branches, services, and interlining all tend to operate individual services on fairly low frequencies, which is a bit… Wait, sounds like someone has something to add here. There's a few places where the Underground actually shares its tracks. On the District Line, from Gunnersbury to Richmond, you can also catch the North London Line of the Overground. The line was originally built by a main line company, the London and South Western Railway, back before the concept of the London Underground existed, and so could connect to both the District Railway and the North London Railway. There was a similar situation between East Putney and Wimbledon, where South Western Railway runs occasional trains over the Underground track and again, that's because this was originally built as part of the London and South Western Railway's network. And in North West London, the Bakerloo Line shares the Euston to Watford branch of the Overground from Queens Park to Harrow and Wildstone. Anyway, I did a little video about the situation at Kew Gardens where I talk about it in more detail. Now I'm off back to my own channel. Jay, go away! The second major network consists of the deep level lines, so named because unlike the subsurface lines, they run deep under Central London. These lines first opened several decades after the subsurface lines and are more numerous and generally more heavily used. Their later construction led to different design and planning sensibilities winning out. As such, the deep level lines do not share track with one another and intersect at various points in Central London, something which influenced metros in the Soviet Union in particular. Now as it turns out, the deep level lines do share the same track standards as the subsurface lines, which is important because they do share tracks and connect with the other lines in a number of places. The first line on the network was technically the Waterloo and City line, which utilized its depth to cross under the Thames and now acts as a shuttle between Waterloo and Bank, over just 2.5 kilometers. Next we have the Central Line, which is the longest line in the entire system at a whopping 74 kilometers, across which there are 49 stations. The Central Line operates from the west of the city into the center, intersecting the Circle Line midway north south before continuing northeast, where it travels up to Epping with a branch traveling east and then looping back to the Epping leg through small towns and farmland. The Northern Line is the most used line on the whole of the Underground, and is basically two separate lines which come together at two points, Camden Town and Kennington. The lines have a total of 52 stations over 58 kilometers of track. The Northern Line has three northern branches and two large southern ones, one which passes through the main commercial area of the city, and another passing through the traditional financial district. The line generally travels in a north-south direction, though somewhat hilariously it's not actually the line which travels to the northernmost point. It is, however, the line which travels to the southernmost point. Of course, just this year, the Northern Line was extended, with services on the western branch going beyond Kennington to Battersea Power Station and Nine Elms. Now regarding why the line isn't just split in two, the issue lies in Camden Town. At Kennington, the two sections of the Northern Line are isolated, but at Camden Town, a perennially overcrowded station, the services intertwine, and separating them would likely overcrowd the station, which is already dangerously overcrowded, with high transfer volumes. TFL does have plans to sort this out eventually, but until then, I'll be referring to it as the Northern Lines. The Bakerloo Line is probably my least favorite tube line, because I just find it somewhat boring. That said, it has 25 stations across its 23 kilometers of track. The line travels from the northwest of London before cutting straight through the center, parallel to the western Northern Line branch, and then continues south of the Thames to terminate at Elephant and Castle. The line I need to talk about next is my favorite tube line, and frankly, one of my favorite transit lines in the world, the Piccadilly Line. The Piccadilly Line has 53 stations over 70 kilometers of track, and has two branches in the west, one serving Uxbridge, which manages to cross the central line twice without a good connection, and one serving Heathrow, which converge and pass through the center of the circle line before turning north and traveling up to C**koster's. Now, the Heathrow branch is particularly interesting because upon opening, it was fairly influential in the metro world. The branch has also been very successful ridership-wise, taking perfect advantage of major reverse peak capacity. Now interestingly, the Piccadilly Line actually shares tracks with both the metropolitan and district lines, from the subsurface network on its Uxbridge branch. The Piccadilly Line also shares a corridor with separate tracks from the district line from Acton Town to Earl's Court, where the Piccadilly Line runs Express, a feature that London does have in a few locations, if not as extensively as New York. The Victoria Line is the second newest line on the London Underground Network, opening over 50 years after the last tube line before it in 1968. The line is relatively short by tube standards, with 21km of track and 16 stations across it, and is a marvel of design, which was intended to connect various major interchange points on other rail lines, traveling from the northeast to the center and then south of the Thames. Many of these connection points had incredibly engineered cross-platform transfers that I cover in more detail in my dedicated cross-platform transfer video. It's also the only significant tube line, assuming a two-station shuttle doesn't count significant, which is entirely underground. The final line in the network and the newest line, first opening in 1979, is the Jubilee Line, which has 27 stations on 26km of track. Both the Jubilee Line and the Victoria lines are incredibly well used, and a good testament to the power of removing congestion points and connecting hubs. In terms of alignment, the Jubilee Line starts northwest of London at Stanmore, before traveling south to parallel the Metropolitan Line, which operates as an express service with the Jubilee making all stops, before splitting again around Baker Street, and then traveling southeast through the city center and crossing the Thames a number of times on the iconic Jubilee Line extension, or JL8, which provides source to Canary Wharth, the Greenwich Peninsula, as well as West Ham, and Stratford, where the line terminates. The extension opened in 1999 and is noted for its elaborate architecture and its job connecting the docklands and other previously poorly served areas of London. As a fun bonus fact, traveling between Stratford and Canning Town, the Jubilee Line runs express while the DLR plays the role of the local. Now with that, we have the entire London Underground network, with the subsurface lines and the deep level lines. You can really see in these images just how different the topology of both the subsurface and the deep level lines are. With regard to future lines and extensions, London's main project at the moment is Crossrail, a new cross city heavy rail line which will operate as rapid transit, not unlike the Paris RER, especially with the opening of the Northern Line extension. Well of course there are many often talked about extensions to the network, for brevity I'll leave those to a future video. Now I'd be lying if I said I wasn't extremely excited to talk about the rolling stock for this video because the underground is really unique. The first thing to discuss is the distinction between the subsurface and deep level lines of the underground, which primarily comes down to the loading gauge of the trains. If you think I should make a video on railway loading gauge, leave a comment down below. Suffice to say, the trains on the deep level lines are much smaller, just around 2 and a half meters wide and much more tube-like, because they were designed to fit into tunnels created with early tunneling shields, originated in London, which are the precursor to modern TVMs, giving the system its tube name. In order to get this circle-like shape, which fills the upper half of a tunnel, a number of unconventional design decisions had to be made. For one, the doors on the trains are actually curved, so watch your head. At the same time, the odd door arrangement, with single doors at the end of each car, is a side effect of the trains, not unlike low-floor trams, having bogies and wheel sets which extend under the longitudinal seats within the carriage. This type of design is really unique for a metro train, and means the floor of the train is actually quite low. By comparison, the subsurface trains are substantially larger, at roughly 3 meters wide and with a similar profile to mainline trains in the UK, which harkens back a bit to Tokyo, I must say. Since the two types of trains are different heights, both to their roof and floor, when sharing platforms, they are can be a pretty large vertical gap, which is an accessibility nightmare. This could be solved in some cases with two back-to-back platforms with different heights. Despite the different sizes, as mentioned before, the rails and power system, which consist of two power rails, one between the running rails and one on the side, like a typical third rail, are compatible, as evidenced by the interlining seen on the network in a few places. The voltage across these rails is typically 630 volts, although the voltage of the individual rails varies, and in some places it's up to 750 volts for better performance with the newer trains. With that out of the way, let's take a look at all of the rolling stock currently operating on the network, starting with the trains on the subsurface network. These lines use the somewhat boring but entirely charming S-stock, which comes in two variants known as the S7, which naturally has seven cars, and the S8, which has eight. The S-stock has roughly 17 meter long cars with three doors per side, and were manufactured by Bombardier with the first introduction in 2010. The S8 stock operates on the metropolitan line, while the S7 stock operates on the Hammersmith and City, Circle, and District lines. Both train types are fully interlinked with open gangways, and have higher than normal top speeds to take advantage of longer interstation gaps. The deep-level lines have a much more varied roster of trains, which are given names based on the development year, while the subsurface lines, well, they get a letter. The 1972 stock is used on the Bakerloo line and features seven car trains with roughly 16 meter cars that have two single doors and two double doors per car. These trains were manufactured by Metro Camel, who you may remember also made a lot of the rolling stock for the Hong Kong MTR. A few years later, the 1973 stock was introduced on the Piccadilly line. These trains feature six cars with roughly 17 meters per car, and look slightly nicer than the 1972 stock, and were also built by Metro Camel. The 1992 stock operates on the Waterloo and City line in a four-car configuration, and the central line in an eight-car configuration, of roughly 16 meter long cars. While the door arrangement was similar to earlier deep-level trains, these trains utilized external sliding doors. Manufacturing was done by a company which, by a shocking number of acquisitions and divestments, was part of Bombardier, before it was acquired by Alstom. 1995 and 1996 stock are in many non-technical ways similar, technical being things like drive units and suspension. The 1995 stock came in six-car sets and operate on the Northern line while the 1996 stock came in seven-car sets and operate on the Jubilee line. Worth mentioning, the Jubilee line sets were actually retroactively extended. Both models feature roughly 18 meter cars and were manufactured by a consortium of Alstom and Metro Camel. The 2009 stock operate on the Victoria line and were manufactured by Bombardier. Trains are eight cars long, with each car being 16.5 meters long. These trains probably have my least favorite design, which is saying something given I tend to dislike older train models. I just can't get over the raised portion of the front fascia, which reminds me of the M8 rolling stock on Metro North in the New York area. Now, while a lot of London's rolling stock is pretty new or middle-aged, the trains on the Bakerloo and Piccadilly line are nearly 50 years old, and hence they are being replaced with the casually named New Tube for London trains. These trains will be very different from existing deep level trains, and will be made by Siemens. They probably deserve a video of their own, so leave a comment for that. Plans call for them to arrive in the mid-2020s. Now, while the rolling stock of the tube is fascinating, entire careers have been made talking about interesting facts about the tube. I'll try to summarize here, but it will really just be a speedrun. You should really go check out Jeff Marshall and Jego Hazard's channels to learn more about the history and peculiarities of this amazing system, as well as abandoned lines and other awesome stuff. Now, let's get going, because we've got a London Underground-sized amount of ground to cover. The Underground uses a blend of different types of signaling, with significant ATC or CBTC deployment across the network. This enables platform screen doors, but they only exist at a few stations on the Jubilee Line extension, which don't actually align all that well because of the type of signaling used. That said, they're protected for on the Northern Line extension, crazy that the extensions are so infrequent these days that that's a specific reference. There's also the 4LM project, which is progressively converting the entire subsurface network to CBTC, albeit with many delays in the process. This is likely the largest re-signaling project currently happening in the world, and is extremely important and complicated because of the intricacy and interlining of the subsurface network. Partially owing to investments into signaling and infrastructure reliability, the London Underground actually operates weekend 24-hour service, which is still fairly uncommon for a metro, but a very nice change from the earlier closing times around midnight. See my 24-hour service video for more on that. The Waterloo and City line doesn't have a track connection to any other line, and so when trains need to be delivered or changed out, they are removed from a shaft by a crane. Another surprising fact, most of the London Underground is actually above ground, be it in cuttings or on embankments or in rail corridors. Fairly well known, parts of certain stations were previously used as air-raised shelters, a feature which is surprisingly common in metro systems around the world. The London Underground has an incredibly high cost recovery, where fare revenue covers a large portion of operations. This can be attributed to high fares, especially when travelling through the central zones, as well as efficient operations. The entire network has had trains operated by one employee for over a decade. Given the subsurface network's history with the Metropolitan Railway, parts of it actually originally operated with steam trains, which is part of the reason for certain design decisions and frequent open sections on the subsurface network. These sections allowed trains to release smoke and steam stored on board, where it wouldn't clog up the tunnels quite as badly, but it was an imperfect system to That said, while steam trains fortunately no longer operate on the network, air quality on the tube is still notoriously bad, especially on the poorly ventilated deep level tube lines. This is exacerbated by the heat in the tunnels, which has kept the deep level tube lines from having AC thus far. Modern transit wayfinding also wouldn't exist without London, whose tube map originating from designer Henry Beck has influenced almost every rail map and map made since. I've mentioned before how some systems like the Montreal Metro and older sections of the New York subway use hills at stations to act as a form of regenerative braking, trading speed for elevation. This is actually a feature seen on a number of sections of the tube. There are many stations on the London Underground, such as on the outer parts of the Metropolitan Line that receive very infrequent service for a metro, because of the low ridership and numerous branches on the system. This shows some of the connections between the current underground and older mainline railways. Also somewhat unusual for a metro system, some stations on the London Underground require selective door opening, which is where part of the train sits off the platform and doors on only some cars open. Now beyond all the crazy unique features, there are also a lot of elements of the Underground that I simply love. These include the London Underground originating many technologies that inspired other systems, from tunneling to modern wayfinding and everything in between. Without London, we wouldn't have metros as we know them today. Things weren't always this way either, and like another early 1900s railway system across the Atlantic, in the late 20th century the Underground was in rough shape, but since massive amounts of work and funds have gone into significantly improved older parts of the system. Now this second part isn't entirely because of the Underground, but it is still amazing how good the coverage of London, north of the Thames that is, is by the tube. In many areas, you're never more than a few minutes walk from a station, and thanks to the Piccadilly, you can even start a British or European vacation with a ride on the tube. Perhaps more than most metros, London has giant interconnected stations. This has to do with the way the network came together, sometimes with extensive planning, and sometimes with little at all. That said, few systems have stations quite as gargantuan and maze-like as London. Of course, as I mentioned before, most of the system is above ground, and this is a wonderful antidote to claims that rapid transit belongs underground, or that you can't have a high-quality rapid transit system without tunnels, because London certainly does. London's underground infrastructure is legendary. With the train running tunnels for existing and abandoned tube and mainline railways, pedestrian and station walkways, and elevator and escalator shafts, the ground in central London would look a lot like Swiss cheese if you could take a slice. Most importantly of all though, I'd argue London originated the concept of rail mass transit, and in the process changed the world. The speed and comfort of modern cities would not be possible without it, and for this, we all owe London a debt of gratitude. So that's it. The London Underground explained in one video, my last explained video of 2021. Making this video has been a goal of mine since I started making videos, and I'm so happy to share it with you.


literally getting taken outside to have an argument with. I've been back in Delphi, literally three hours.  And you know, I'm just trying to stay for nothing. I'm mad, I'm never gonna be, I'm just not that kind of person, like I just can't. I can't be that bad.  I haven't done the four years and I still get blamed for things.  I'm not going back here after that, I'm completely mad.  I don't even know what I want to.  Oh, don't be there, I can't be done with that. You're right, I don't want it darling.          When one, she doesn't drive, but hey. Who I haven't lived here for four years over the summer when I wasn't childhood. I didn't live here. I don't even live here. Yet somehow everything that goes wrong is put on me. If I can't evade the money due by tomorrow, I'll be back on that night.  I would, I don't want to do anymore.  Why don't you reach out to your mom?  She never has been. She never will be. And do you know what? I can literally hear her, like, real floor talking about it. Like, it's really, I hate being here. I hate being here. I, why would I leave it until 23rd? Who come back for a week? Not even a week. I don't even want to be here in a year.  You can't do that. You can't do this. You can't do that. You can't do that.  You know, get with it. Get with it. Oh, my whole med box. It is a mess because of the dead. Is this because you pissed on a disorder? It's stuff all out there. No, it's me. Okay. You cannot blame. These remain seated and we're framed from talking during measurement and keep cuffs at the heart level. 136. 136.  Sorry, my heart rate's too fast. You know what? In the UK, right, you don't normally get given medication in bottles. Like, we can get given them in actual boxes normally. But last week, and this week, with my diazzo pal, I had bottles and I'm kind of how close I am to just taking everything in this box. There was more than enough in this box to kill me. Like, right here right now. This is why I don't come back. This is why I don't talk to my mum.  They're never gonna understand. They're never gonna want me around. They're never gonna even try to understand. Like, I'm gonna go out with it for what I do for my little mini vlog clip. Not gonna put the audio recording in because that's what you've got to love. But I did put the name of the vlog clip before I got taken out to be out of that. Tell me why I bother. Like, why bother? My life is a train wreck. We all know this. Nothing new. With most people, I can cut them off like this. There's nothing. I don't... I don't form attachments with people. So, there are exceptions that I have. All of a sudden. I keep myself very distant from things for a reason. I spend nearly, like, 200 pounds on giving people. I literally force myself to have no money at all. Right now, as we are talking, I am over my overdrive. I don't have any money, you know. I'm broke. But you know what? I care a lot about my family. I win and got a lot of just like, I do crazy things when she wants to know something about me. She Googles it.  If I wish it were the way that Google put it, that would make my life so much easier. Can we all just live by Google standards instead?  It is, like, there's no ifs ands or whats about it. Like, even coming back here, my consultant is not a huge fan of Ben's or theirs. I mean, it's worth it chatting. I'm really, really gross to be honest.  And someone else around, so they know what I struggle with.  But I don't know, really.  Or I can not take them. I actually feel, I really shouldn't. You don't want to get in this box. Like, my medication box isn't that big. It's my old distraction box that I knew one who's been here for a while. But it literally, it couldn't even fit.  Because I couldn't fit the box in. Like, that's not another thing. Like, these have never, ever been given bottles of meds. And they do America in other countries, but here they don't do that normally. It's not a normal thing. I'm trying to distract myself because my mind at the moment is, like, it's on full speed. I don't know how it's funny.  I get yelled at for informing my mum. I get told off for not informing her. She knows I have these heart problems.  I mean, back here. Like, you can't see, like, all the, like, the chips in, like, the door and the wall. That'd be where my mum used to find me. I used to put everything against here to stop her from finding my room. Like, I find the car keeping looking in that area because I'm just like, I've literally only just got my provisional. I don't know. I don't like getting accused of things. I feel stuff. Then again, I'm a human being.  Like, I'm just putting perspective on what. Right, okay. That's my week's weird days around. Like, if I'm upset, do you think we're a flippin' week? You know what we do?  And you know what?  I hate taking it.  I hate it. I'm gonna just mark some more of it.  Oh, I don't know.   It's Christmas and I'm getting true. Only literal late last I could leave it to come back. Because, you know, excuses. Facebook, I've got two notes. Why am I got notifications on Facebook? Like, I literally don't use Facebook. That's rare. Like, what's tap at all? And this is what you have to deal with when you choose to do social media.  No one knows what, what? How many devices am I logged into on here? Excuse me? What? I did say I didn't check Facebook very often. Security and login. iPhone in London, UK, four hours ago. That's strange. iPhone. But basically on my phone, I have them all I use on my phone. Obviously I've had like three different sixes. Like, this is a labeled iPhone X. Because, you know, it's a Yax.  Shock. I know. Why was my old iPhone accessed four hours ago in London? Wait, I wasn't even in London four hours ago. Bristol? What? Manchester? That wasn't me. Manchester, 19th of September. Should really check Facebook more often. Anyway, that's what I was actually doing on my laptop. Facebook, not Facebook, Twitter. And it just says Rebecca, like, I'd rather be logged in a ward than here. Yeah. I'd rather, I would help my mental health. I have £3.62 on my paper. Wow. I'm actually that broke. That's comical. I will transfer it to my bank account. But I'm pretty sure I'm overdrawn. Because, you know how I would want anything in my life. You're gonna be simple. Oh, wait, now I've got £10. My mistake, I have to hold £10. Transfer that to my savings because...  I don't really. Wouldn't even look. Where do I go? No, I don't pass here as home. I pass here as somewhere where I was literally abused for years. And I know the language here. I'm sorry. We don't quite have the full production set here. Thankfully. And but you know, it's funny because I can't even post how I feel on Facebook without getting yelled at. I can't say I do what I want. I can't.


Hey, this is Brett, and this 2015 Chevy Tahoe LT1 is stock number 12671Z8. We are here at Summit Automotive in Fond du Lac, Wisconsin, your new and used SUV headquarters. This 2015 Chevy Tahoe has the 5.3 liter V8 engine. This vehicle has been fully-safetyed and inspected by our service shop per the state of Wisconsin inspection process. It has a fresh oil and filter change, all the fluid tab and check-in tapped off, and this Tahoe is 100% ready to go. Probably one of the cleanest, high mileage Tahoe's you'll find. This one, we're going to go all the way around inside, start it up, take a look under the hood. White diamond metallic is the color, and we shoot all of our videos in 4K, so if you have HD capabilities on your computer, tablet, smartphone, or television, I highly recommend turning them on right now because it is your best way to check out the quality, condition, options, and cleanliness of the vehicle before seeing it in person. If you like the video and how we do things here at Summit Automotive in the lower right hand part of the screen is a subscribe button to our YouTube channel, click that, and then click the bell notifications. You'll get updates on the videos we do each and every day here at Summit Automotive. This one comes with the 22-inch painted and polished aluminum rims. I can honestly say I've never seen these rims on a Tahoe or a Suburban. I kind of like them. They look really good. It has Goodyear Wrangler Fortitude 285-45R22 tires, and these tires have right around half the tread left. Front fender is in excellent condition. I didn't see any dents or dings in there. It does come with the projector style headlamps, LED running lights, and factory fog lights. Front bumper is in very nice clean condition. I didn't see any major dents, dings, or cracks on it, and the grille is in nice shape too. The hood is in fantastic condition. I didn't see any dents or dings on there. Paint is very glossy, very high shine to it. Passengers side fender, no dents or dings, and the passenger side rim is in very nice condition as well. White diamond metallic's got just a little bit of metal flake to it. You can get it to focus here. Sometimes it doesn't like to focus on the... There we go. Look at that paint. Cool. Looks really good. And as you go down this side of this 2015 Chevy Tahoe, take note of how clean the body is, how reflective and mirror-like that paint is. We take these HD videos, so if you are far away, or even if you're close by and you just cannot make the trip down, but you're still interested in purchasing the vehicle, you can see the vehicle, hear the vehicle, and have confidence in what you're looking at before you even get here. So when you do get here, there's absolutely no surprises, and you can make a smart and informed buying decision from wherever you're at before you even get here. And if this video helps you make that decision, let your salesman know that you saw the video, that it was helpful, and that Brett sent you. Backroom is in nice shape as well, and the back tires have just as much tread as the front tires. Coming around to the back of the vehicle, you'll notice that the rear bumper is in fantastic condition. It does have full towing package, which includes a receiver hitch and seven-pin wiring. Back up parking sensors, and that tailgate is in excellent shape as well. This is a power liftgate, so you just press the button, it comes up like so. Back storage area is very clean. We do have the cover for that receiver hitch. We keep them inside the vehicle so they don't go missing. And you can power down these seats. I'm always amazed at how fast those third row seats go down in these Taho's and Suburbans. It's pretty crazy. Nice storage area under here. And to get this back gate down, you press this button right here. And it comes down like so. So this one does have the flipper glass. There's a button right here. You can see that that glass goes up like so. Shocks are working nicely. And the rear defrost cables are attached. That's nice if you need to get to the back of the vehicle and you've got a boulder trailer or something, you can't open up the big gate. You can still get to your stuff in the back through the glass. Down the driver side, just as clean as that passenger side, no dents or dings on the rear quarter. And for full disclosure, this back room is in pretty nice shape as well. Does have just a little bit of light scuffing on the edge there, but nothing too bad on there. As you go down the rest of the side of the vehicle, take note, just as clean as that passenger side, no dents, no dings, very, very nice. And once again, that paint is very high gloss. Comes with the heated power fold-in mirrors with the built-in directional singles and blind spot indicators. Inside the LT1 package gives you the tan leather interior. There are no rips or tears on the seats. They are in very nice condition. Both these front seats are heated. Power driver seat, factory all-weather floor mats, auto headlamps, turned-out four-wheel drive, power pedals, power tilt and telescopic steering wheel. Stability control, lane departure, and parking sensors. Power windows, power locks, power mirrors, memory driver seat, and these mirrors do power fold-in. I always like showing both sides, so you know both sides are working properly. Also has memory driver seat and Bose sound. Little hop inside, check out the Myles radio and everything that this vehicle has to offer. You can see this one has 105,608 miles. You do get the heated leather-wrapped steering wheel. Bluetooth and information center controls on the right, cruise controls, heated steering wheel, and forward collision warning controls on the left. Comes with the six-speed automatic transmission with the optional tap shift. Also, tow haul mode. Also has the factory navigation system on the Chevy MyLink system. AM, FM, and Sirius XM radio capabilities. There is a storage cubby behind there. And you have a USB plug-in, so you can charge stuff while keeping it hidden. CD player, dual-climb controls, heated steering wheel, and rear air controls does come with a 12-volt PowerPoint and two USB jacks right there. Pass under side floor mat and seat are in excellent conditional rips or tears on there. And the headliner is in nice shape. You can see it does have the DVD player. Power sunroof, this one's all loaded up. Home link buttons for your garage door security systems and lighting systems. And sunroof and rear gate controls, as well as map lights, on-star and SOS buttons in the rear view mirror. And we'll take a quick look at the back seats and then check out under the hood and start it up. Now the back seats are just as clean as those front seats. You do get the heated quad seating back here, latch child safety system for any child car seats you may have. You can see just how nice that carpeting is. Factory floor mats back here. Pass under side seats in nice shape. And you do get that DVD player right there. These seats fold down. And to get to the third row, I'd have to put the front seat up. One second, I'll put that up. All right, get that down now. And then these seats fold up like so to get to that third row. You can see just how nice and clean that carpeting is. And it does come with the third row seats and they are in excellent condition as well.  And then I believe that's an SD card slot, rear air controls and a 12 volt PowerPoint. Side curtain airbags. And the bottoms of the doors are all in excellent shape, especially for a vehicle with 105,000 miles. Very, very nice condition back here. We'll start it up and take a look under the hood. Starts right up. No check engine lights or anything like that, except it's telling me the hood's open. And I would personally like to thank you for checking out the video today. And hopefully from this HD video, you will have been able to verify the quality, condition, options, and cleanliness of this Chevy Tahoe. I think it's in excellent shape for the miles and year on it. Under the hood we have the 5.3 liter V8 engine engine bay is very clean, runs very smooth. Once again, this Tahoe has been fully safetyed and inspected by our service shop has a fresh oil and filter change. All the fluids have been checked and topped off and this vehicle is 100% ready to go. There is your emissions sticker. And I would highly recommend this 2015 Chevy Tahoe LT from a quality and condition standpoint. And to see more pictures of this vehicle and one of our 450 new news cars trucks, SCVs, minivans, wringlers, you name it, we gotta go to that website right there, www.summitauto.com, full pictures and descriptions of every single vehicle from two locations, all at summitauto.com. And if you'd like to check out more HD videos, you can go to youtube.com slash summitauto. Remember to like, subscribe, and share on this video and all the videos that you see there. Click the bell notifications, you'll get updates on the videos we do each and every day here at Summit Automotive. In fact, in a second you'll see a link to subscribe to our YouTube channel, the upper left, the links more Tahoe videos like this one, the upper right, a link to this vehicle on our website and the lower left and a link to one of our latest YouTube videos in the lower right. Click those, check us out and we're super excited to help you with this Ultra Clean 2015 Chevy Tahoe LT and White Diamond Metallic. Thanks again for checking out the video. Remember to like, subscribe, and share.


Okay, so I just did a lot of research to confirm that housing prices are definitely falling faster than they were in 2006. Now, I think the only debatable issue here is why they are falling faster than 2006. A lot of economists are saying that we're not gonna see that 27% price decrease like we did from 2006 to 2012 during the Great Recession, but they are saying that we are dropping off a lot steeper this time. So basically what they're saying is we're dropping off steeper, but we're not gonna go as deep as we went back then. Now, we all know about the pandemic housing boom which is what we're calling that little era after the economy reopened. Interest rates were basically nothing. 2.6% was the lowest as it got and literally home prices didn't matter at all because the monthly payments were still doable. They were still affordable. So people were jumping in headfirst. They didn't care how much they paid over the listing price. They just wanted to get a house and there was a lot of FOMO going on and that actually bled over into a lot of the institutional buyers and iBuyers. Like home partners of America owned by Blackstone who went out there and bought so many single family homes. Home builders were upping their game to keep up with demand. They actually slowed sales down just to keep up with the amount of demand that was coming through. Then you have iBuyers like Open Door for example who really ramped up their algorithmic home buying process. So you had just your average families out there who were upgrading because they wanted more space. After the pandemic everybody wanted more space in their house so they wanted to upgrade and get a bigger house. Why not? Interest rates are down.   Then March 2022 rolls around and here comes interest rates and it's nothing that we didn't see coming from a mile away. And as hot as the real estate market was we definitely should have realized as a whole here that the market was gonna lose a lot of steam and we were going to be in this position where things are kind of balancing out. And honestly, when you look at this year compared to 2019, we are really close. We're a little bit down transaction wise but prices are much higher. We are having really a great year when it comes to let's just say real estate agents. I mean, when you look at the commission pool compared to 2019 we're $25 billion more than we were in 2019. So a fantastic year right now and we're just basically coming back down to average what the average has always been in terms of number of transactions and even interest rates. We're a little higher than average there but this was all very telegraphed and this is just a situation that really should teach us a really nice lesson here and a lot of people have PSTD from 2008. So there's a little whiplash here. Back then before that, the golden rule was that real estate never loses value. When you go back to the 50s and 60s and 70s and 80s real estate never loses value. Even when interest rates went to the moon back in the early 80s prices didn't decrease but the 2008 Great Recession taught us that, hey, actually the golden rule can be broken and prices can go down on housing. So everybody looks at 2008. The people that went through 2008, they're like, man, I wish I would have saw that coming and this is what I would have done differently and now that's what everyone's doing. They're preparing for worst case scenario which is in fact gonna help this be such a soft landing. Now again, back to the subject at hand here. We are, it's a very sharp downturn right this second. NAR came out with their data in September which is a couple months ago. So remember real estate data is very lag. What's happening right now is gonna be a lot different than what we're seeing in the data but prices were down 7% average across the country since the highs of July. In July the average price was $413,000 and in September it was $385,000. Now some markets have even taken a bigger hit like San Francisco for example that's taken an 8.2% decrease in price. So home prices are definitely correcting a lot faster than they did back in 2006 when things started to come down and also housing starts, new construction is down 19% year over year from September. There's a cliff that's happening in January. That's what Gene Myers, the CEO of Thrive Builders in Denver said here recently. And as far as housing starts, there was a decline from 2006 to 2012 of 80%. So housing starts went down 80% during the Great Recession but Myers notes that it was a slower turn compared to what's happening now. So that 80% decrease in housing starts was big but it was over the course of six years and we went down 19% just year over year just in the past couple months. Now a lot of the home builders still have a lot of stuff pending from earlier in the year at these higher prices. They do have a higher than average cancellation right now around 20, 25% but they're gonna have an okay third quarter or maybe an okay fourth quarter but he said where things are gonna get really ugly for new construction and these builders is gonna be in the first quarter of 2023. Now why are home prices falling faster than 2006 right now? Redfin CEO, Glenn Kelman thinks it's this. He thinks that a lot of the boom was because of the iBuyers and institutional buyers, okay? And he thinks that the reason why we're falling faster than 2006 is also because of the institutional buyers and the iBuyers. And what he's thinking there is that because of the institutional buyers and the iBuyers that are out there, they're just trying to flip properties. They're just trying to turn and burn. So he feels like and he's an iBuyer himself. Now Redfin, they stated that they have $350 million worth of homes on their balance sheet right now. And he said that investors and people that are flipping houses and these big institutions as the market has turned, they're willing to slash prices just to get out from under the inventory. And so a regular everyday seller, they're not just gonna start slashing their prices because they don't have to sell, they don't wanna sell, whatever the case may be.  So in his opinion, what's happening here is that these investors are slashing their prices and it only takes one property, one low sell on a subdivision to affect the appraised value of all the other homes in the subdivision. So he feels like these investors and these iBuyers are responsible for part of the boom and they're also responsible for why things are falling so fast. I kind of tend to disagree here. And the reason is is because the iBuyers and the institutional buyers make up a very small percentage of the overall transactions in the country. And so I feel like that's not a really good reason why things went up so fast. Things went up so fast because interest rates were so low and regular everyday people wanted bigger houses because after the pandemic, a lot of people work from their homes, so on and so forth. And heck, it's the American dream.  So I think that's what drove the pricing, the housing boom. And then I think why things are falling so fast because things went up so fast and then interest rates, again, see, I think both sides of it has to do with interest rates. And now you have a combination of high, high, high prices and very high interest rates comparably to where the monthly payments have become undoable. Have Open Door, who just recently has reported that like 40% of the homes that they sold a few months were actually sold lower than the price that they actually bought the house at. So they were already taking a loss. Even when they sell the house for more, they were still taking a loss because they have other fees and commissions and rehab and everything else. But now they're actually selling them, the selling price, the contract price, is lower than what they're buying the houses for. So although interest rates have caused a historic pullback in transactions and buyer demand, we still have a problem here, ladies and gentlemen. And that is inventory. We have not found any inventory anywhere in builders with 19% down on housing starts. It's not gonna come from there. It's not gonna come from owners who are sitting on three and a half percent interest rates. Where's the inventory gonna come from? And that, my friends, lies the problem. And the way that I see this playing out is that there's so much underlying demand still there. People still want to own houses and upgrade and buy houses. We have such a huge generation coming through in their prime buying years. And I think that what we're gonna see is prices just adjust to the level where people can afford the payments.  So I thought this was interesting. I wanted to share my thoughts about it with you. If you would, please leave me a comment. Let me know your thoughts. Hit the subscribe button if you haven't already. And we'll see you guys on the next video. Let's go.


In a tough economy, small businesses are constantly looking for ways to become more efficient while continuing to grow. Several states are taking steps to meet this challenge by reducing the burden of legal paperwork faced by businesses. The state of Nevada recently launched a one-stop shop for both entrepreneurs and LLCs to legally register a business, obtain business licenses, and even file critical legal documents. This full-service digital depot for businesses is called Silverflume. I think Silverflume in our one-stop portal is an absolute game changer for the state. Instead of having to run to 50 different state agencies and fill out a paper-based form in order to obtain your license, you can now do that through one-stop shop and do it from the comfort of your desktop computer. But the processes for making a business compliant with state laws aren't simple. Nevada's business portal administrator Karen Michael helped lead a team to tackle bringing business compliance to the web. The state for the business customer before Silverflume came along was they were required to do all these compliances, but they really were given no guidance as to the sequence of the steps and how to go about that, and there was a lot of redundancy. Since that time, Nevada has figured out ways of turning complex paperwork into simpler checkbox formats. The Silverflume process is as simple as filling out a web form. It's how you figure out who's going to manage the LLC, what happens if a change is proposed, what happens if one of your members leaves. And it's all those kinds of details that oftentimes are the stumbling blocks for small LLCs once they've actually formed. At the Business Resource Innovation Center in Carson City, Nevada, counselor Michael Saloga works daily with entrepreneurs who struggle through the red tape of launching their business. When people are asking about how to get things started, how to start a business, we're pointing them to Silverflume right off the bat. And the reason is because these are things that are critical to getting their business started. Then we can start talking about the things that we love to get involved with, which is, what's your idea? What's your concept? How do you want to start that business from the standpoint of finding customers? Silverflume being in place for us and being able to say, going right to the bottom of the website, if you don't know how to do it, click here. It helps you step through that process that makes it so easy for folks. Business owner Greg Dye sees the tool as a way to help save time and eliminate extra steps. Whether the business is a corporation or a proprietorship or a partnership or something, it's all based upon the same common denominators on information. Everybody pretty much has to put down the same information. And then for specifics, they might infill it a little bit more. Having that information be able to fill them at one point and transfer that as I apply for another license and have most of that infill where it's applicable, that's a game changer. That saves us money, it saves us time, it makes the process easier, and it greatly reduces the chances that we're going to make a clerical error or do something that's good to get our application bounced back. Nevada is one of only a handful of states in addition to Vermont and Delaware that are experimenting with allowing entrepreneurs to form businesses completely digitally. Oliver Goodenough, director of the Law Lab at Harvard's Berkman Center for Internet and Society and key figure in getting Vermont's digital corporations framework off the ground, sees this as a part of a growing trend. When you're starting up a business, there's lots of reasons why you probably should be in touch with the state and the state should be in touch with you. One of the things that technology will let us do is to structure those interactions in a more efficient way, in a way that doesn't ask the same questions six times for six different departments. What we have been working on here at the Law Lab at the Berkman Center and working with states like Nevada on, is how do you not only automate the initial formation process, how do you set up automated agreements like the automated LLC agreement that Nevada has taken on and make that available to people so that we have a simple template for a basic kind of agreement that people can plug into, it's not on paper. The original is the software. Secretary of State Ross Miller sees silver flume as an important competitive step. Not to control the way businesses are run, but to create a clear path for starting a business, streamline the process of the day-to-day and remove roadblocks of moving the business into the future. Nevada has the second highest number of entities on file per capita behind only Delaware. And so I think when viewed in the eyes of the nation's business public, Nevada is already the second best place to incorporate to do business. Part of that reputation has to do with the ease of filing transactions. And this is a significant step forward. Obviously every state is trying to move towards the creation of a one-stop shop. I'm very confident in our competitive advantage. There are still plenty of other hurdles business owners have to deal with. To the business community, silver flume is helping them get to the fun part. You know, I can see how silver flume will change business in Nevada in the sense that people won't feel like it's a big hurdle to get one started. They'll still have to go through the process of developing a business plan or potentially going out and raising funds. But to get to that point will be so much easier because they will have this tool to work with. One of the great things about silver flume is that it makes this available as a public service. Basically you can sign up and use the agreement. They'll run it in their own cloud. They'll take care of it for you. And you can bring people in from all over the world, participate through the website. It is a great service to consider if you're going to start a company. To find out more about silver flume and learn how digital firm formation works visit Silver Flume and the Law Lab on the web in the silverflume.gov or lawlab.org.


Hi everybody, Joe for Jazby's Case of Breaks.com, coming at you with the random number block randomizer for Impeccable Hoops One Box, pick your team number one, featuring some nice teams right there. Everyone, that's how that number block format works, if you're not familiar with it. Big thanks to this group right here for getting in on it, appreciate it. There are the numbers, and let's roll it and randomize it two and a five, seven times each. One, two, three, four, five, six, and seven. You got Dongkyun down to Daniel. Two and a five, seven times for the teams. One, two, three, four, five, six, and seventh and final time. Three down to four. All right, so Dongkyun with three, Allen, seven and nine, Daniel with five, zero, six, eight, one. Number zero gets any and all redemptions for those two teams, including one of one redemptions, but Daniel already has number one, his bases are covered. Simon with two, Daniel with four. Let's sort by number, and coming up in the next video will be the break itself. We'll see you for that, Jazby's Case Breaks.com.


What's up everybody Jason here for jazby's case breaks calm 2022 Panini absolute baseball 10 box case break random teams number three sold out and again guys everybody gets a random team the MLB and Here we go guys. Here's the dice rulers the cusper names that bought in here are the teams Let's roll it and we got ourselves a four and a three seven times. Good luck one two three four five six and seven Four and a three seven times Dan down to Matthew would four three seven One two three four five six and seven seven times Dodgers down to the Cleveland Guardians Here we go. Let's see who got what so Dan with the Dodgers Jeremy with the Royals Lonnie with the Rays Nick with the Yankees Anthony of the Rock is Justin with the D-backs Kevin with the Reds Addison with the Orioles Chris with the Rangers Lonnie with the Blue Jays Matthew Wood with the Marlins Rory of the Cubs Chris with the Phillies Dustin with the Padres Lonnie with the A's Charles with the Giants Lonnie with the White Sox Justin You have angels bread with the Tigers Mariners Adam with the Astros Rory You have the bright Red Sox Josh with the Braves Brandon with the twins Peter with the Nationals Austin with the Mets Anthony with the Pirates Tyler with the Cardinals Jason with the Brewers and Matthew with the Cleveland Guardians, so I'll give you guys a quick minute for any trades guys If you guys want to make any trades if not sticks what you got and We'll break this next so I'll just let the video run I Know I pulled Mookie Freddy Freeman Ronald Acuna Juan Soto so far our Rory saying codes and Red Sox for trade anybody else know Now we're gonna close it big Rick saying trade Tigers for the Cubs Not if you want to do that Rory Will pass TWC then guys stick to what you got true in the clothes. Alrighty guys. Here we go Case of Absolute so we do have plenty left, so I did go ahead and post another one of these How you doing man? How's the Arizona life buddy? We're just talking about how hot it is right now Um, I don't know. I feel like we have a few customers. I feel like Jeremy, I don't know if you might be a pandas fan or just collecting one of their players as rookies But I feel like Jeremy Has been buying a lot of them and our Our pig your team from sitting at least Kind of a mixture of people over Sammy Sosa to 149. I Know I heard man. I'm gonna be over there in two weeks. I'm gonna go visit the in-laws in Santan I Hands to 149 And a Jaren Durand on the board already Rory try to trade couldn't trade mojo. Oh, well flawless. They're really cheap, man They're they're really cheap, so I think that's also reason why people are buying them and we have to 60 Brian Dilla Cruz from Miami absolute That's Miami.  Yeah, I know David. It's my aunt. Well, no Sorry Man also there were like it's a hundred and thirteen over there right now And Miami that's Matthew would So I gotta go get some slider boxes. I'll do that right after this box forgot. There's like ten of those we need I'll grab there right now Brody, what's going on man? each hero out of 25 Not the man just pulling collar pits And almost every picker team of obsidian so far last one didn't have one, but it did have a white Contra Montessy for Kansas City a double or some on to see KC that's going to Jeremy Another one for KC. That's a angel Zerpa always Chris always buddy Who's our gradual to 49? For the Dodgers Mark McGuire tonight and I We got a Trevor story Statistically speaking to 149 To 199 that is a KC. Myles and Tariq for Detroit's and 1099 rookie baseball Louisa Joe No, David, I actually don't know where any car shops are at I actually haven't looked up I know Joe Pizzles in Mesa. He says there's one nearby I actually wouldn't mind this visiting one. Do you do you know any David? Are you also in Arizona? Should go introduce myself just in case I ever moved to Arizona I'd love to live in Arizona to be honest buy a house over there in a heartbeat with the prices here in California but I Don't think it would work out working with Japsies. I have to like Commute back over here five days out of the week Ty France tonight and I Queen city we're talking Arizona or what is the worst Queen city? The only Queen city that I know of is Queen Creek because that was that was that Louise there for the Yankees Logan Gilbert to 199 Well, if it's in Queen Creek, I know where that's at. That's really close to my in-laws there. They live in Santan, so Louise Friess for Zona Justin Martin and Austin Hays to 99 Yeah, this time. I want to be able to explore a little bit of AZ It's kind of like obviously visiting in laws I haven't been not that I haven't seen them because they come down here every few months, but I haven't seen them since like Like Thanksgiving time like last November I haven't been to Arizona since like Thanksgiving So to see them in their house, you know, but also to my niece is a On a big volleyball tournament trip. She plays volleyball for these clubs She's really good from what I'm told So I personally haven't seen her in a few years playing volleyball because what my schedule is kind of hard Breaking at night and then you know So I haven't really seen her but she's also gonna be having a volleyball tournament out there in Arizona. So On Friday, I'll fly out over there early in the morning. It's in Phoenix So I'll probably stay there for the day watch your play volleyball and then Head to my in-laws later than I Probably go back into the city again in Phoenix on Saturday and then Sunday Monday Just kind of a chillax out there at my in-laws house Bartolo Colombe So should be fun Nick Fortes 299 Nice. I love Queen Creek man. It's very beautiful there too. I mean, obviously all Some of the newer cities, right? They've been building for the last X amount of years Yeah, my my father-in-law's business moved from LA to To uh to Arizona during the pandemic in 2020 So, uh, you know, they wanted to get a house, but they just didn't know where and You know They figure what can we get for like what we look at a week of before just randomly, you know, obviously with the company moving so They liked their little house right there in Queen Creek. It was like a cheap energy bath and at the time prices were really cheap Or sorry in Santan and it's not too far which he works anyways. It's like I think like a 20-minute drive But yeah, Queen Creek was really nice. I still want to go visit like I remember during the pandemic They were building that like That um That like movie theater slash like Karaoke place is kind of like round one I'm sure it's open by now Louis Jill Montessy established threats To 99 and wow we hit one of these yesterday another one today Shohei Otani 9 out of 25 Very nice Showtime That's for the angels and that is going to Justin Martin.  Okay, right? Am I crazy? That's uh Number two 99 that's uh, brian Reynolds Two autographs rookie ink josh barlow or joe barlow Texas with that one. That's uh, chris parent And Eloy heaven is The white sauce went a longy That's number two 99 Andrew kinsner tools of the trade to 199 to 199 V doh bruhon rookie gloss to 99 tools of the trade down to the swanson Atlanta with that one. That's going to josh And out of 99 louise fries for arizona Little booklet mic trout to 199 or 149. Sorry breggy to 99 Colton wong for boston to 199 Uh, I could double check around on charles level Think so to 60 chas mccormick for houston has been houston arizona la miami new york Nothing yet, but we're still halfway through so Still plenty of stuff potentially out there We have uh ty france redemption With a jared calinic for seattle seattle, that's going to brett mires and then angel serpa Whoa rookie wood signatures wood What does that mean? Is that like On wood but also like a wood parallel like one of one or what let's see. I don't like it too excited yet It doesn't say It says everything's numbered is 50, but it doesn't say like a parallel. It just says rookie wood signatures and then serial number to 50 But why does this one say wood signatures, but then it says wood So I don't know that's weird Usually that means it's a parallel. Oh, I'll find out edward cabrera car number 137 Which is miami marlins, so could be at a 50 or something else miami that's going to matthew wood What are the odds of that a wood signature wood parallel going to matthew wood isn't Is that correct? Hold on. Yes marlins It was meant to be staying in the wood family All right, well halfway through guys. Let's continue on Don't also forget guys to look at 130 point if you don't use that already dug If it was best offer accepted at 600 make sure that that's exactly what they gave because sometimes it's much less than that If you haven't used like 130 point, I forget the other website that nick uses Could be less than that paul bulchman and we got shame guys maddox burns patrick my zika For the mezz when austin caruso an aj Minter for atlanta a lot of tech france numbered cards coming out of this box or case josh lull to 149 Dustin may for the Dodgers to 99 Dan with that one and matt verlang to 99 for philadelphia Phillies p. Rose. I think we got our first kaboom brice harper kaboom for the philadelphia philies chris parent man manny gaver your eyes for cleveland and greg diatron chicago's tools of the trade and joe musgrove for the patrice mookie bets and a wander franco 71 out of 149 stopping yet to pull a wander autograph andrew drums to 199 and to 60 hosay siri for houston houston that's going to uh adam dresser all right three more boxes to go guys um well i was talking about it and i'll say it again you know it's like um the card grades of 10 not never gonna hurt the value right but there's just no guarantee so i wouldn't grade it unless you think it has the potential to be a 10 you know I don't grade it just to grade it because it's off-centered and you want to hit a nine I mean nines aren't bad but I rather like try to think it's going to be a 10 and then get the result of a nine but yeah I mean I think people are going to start grading a lot of these base prisons because they're opening up the cheapest uh PSA grading what is it 30 bucks so people are going to do it and they should have it back you know hopefully middle of the season as NFL so I don't I don't ever see it as a bad thing it will increase the value if it grades a 10 but it's like it grades like a eight or something creates like that are all nines and no tens and it's going to kind of hurt a little bit but I never reminded people grading everything I understand Tehada it's like when people say no you don't need a grader 101 like you don't need to it's like well I mean technically no you don't need to st. Louis but if it grades a 10 well there's nothing to complain about you should be happy because it's probably worth more a lot of people nowadays grade 101 is just to protect them you know from future damage if that's the case Brian de la Cruz and Drew Ellis for zona rookie class Jackson co are How about a dentist accuracy and that's st. Louis edition Don't really see that too often. Damn. Did you really throw to Jesus? Yeah, I would grade that dude.  Yeah, you can get authenticated just to protect it and have it in a slab That's most people end up doing too You can send it to bgs too. PSA is not the only option. I guess you could send it to bgs I I tend to I just personally my thing is like I tend to leave in PSA when it's like regular size cards because I just love them in that slab but bgs obviously can give you the opportunity to grade them with the sub grades and that can usually help When selling, you know Oh, then I would yeah, if you really think it looks good corners everything centering even really to them I'd send it into any one of those two grading companies back at our PSA Yachty to 99 definitely worth Definitely worth investment But congrats man. I did not know you hit something that big Jose Miranda from Minnesota I don't know what the customer that I hit the t-law out of 10 is going to do with but Colton welker for colorado to 75 Oh, does bgs not do that right? I've never sent anything to bgs. I mean, I've only graded like twice in my life I mean at least for myself Glenn Otto But our guy that we have here kovid just does PSA submission. So We'll see the way the market is right now. It's just like If it's a if it's a bgs 95 it's going to sell for more than a ps a nine, but If it's a ps a 10 that's going to outsell a ps a 95 bgs So what some people end up doing is when they hit something big like yours they honestly Send it to You know, maybe one one grading company and see what it comes back and then if they don't like it They crack it and send it to the other one Jose Siri Who's with the trade to 75?  Oh my god So you it was a personal like in store or you got into a group break? Hey Adonis Medina for Philly. That's chris parent Uh, join adon For washington All right, we've only hit one kaboom. So there should be one more in here. I've seen an average of two in every case Oh, okay so then basically Rory what you're saying that you pay for the grading fee and then whatever the timeline is but on ps a Depending on what the cost is for the card They're going to charge you for that But then it also means you can get it back quicker, right? Because the more expensive it is the quicker you can get the turnaround Wow, you got it and you waited two days First of all to have the strength to not rip that right away is is amazing.  I don't know if there's a kaboom in here or not, but Hopefully Goose gossage I don't know kaboom. So I only got one this case was way different to all the other ones Jackson reeds feel like our other cases have been pretty strong with the kabooms and hits But I mean, I guess we did get a showtime, but we also got one yesterday and still got two kabooms Jose siri for houston And louise fries and for the collie. Whoa, okay. Well That kind of helps one of one jose fries I feel the collation was really the same too like a lot of the same names, but I'll take a one-on-one here at the end That is for arizona and justin martin. So a little one-on-one to end it off there, which is not bad There you go guys There was those Like I said, we got a showtime Right here or not here this one shoey Which is really cool And then did we only have to getting nine good bits? I feel like we did I guess so All right guys. We'll appreciate it. Um, hopefully the next case has a wander and potentially two kabooms. The only end of getting one So let me quickly just show you guys here this stuff Where's the kaboom ads? I think I wanted a number which was cool, but just a Bryce Harper basically Oh was the redemption of both. Oh, you're right. Maybe that was a redemption Oh, wait, that was a that was a booklet. Um, wait, no, but that says rookie wood signatures I don't think that was a booklet Because they have rookie leather signatures And then rookie woods Oh, that's a booklet too. Oh My fault then. Well, there you go. I guess so maybe all right. Yeah. I trust Roy He knows more on the baseball Okay. Yeah, that's just weird though because it doesn't give me the serial number of wood It just says out of 50 Interesting. Okay We're the way then so then I guess there was 10 All right, so there you go guys. So again, this was number three Uh, I do have a number four. Let's not have time to potentially run it back if you guys want Jasper's case brace.com


What's up? Happy Saturday morning. Welcome to insurance influencers where we find Freakin power players and influencers in our industry and we bring them on we get to know them We take a deep dive and they share knowledge with you These are two of the craziest freaking dudes in our industry. You're gonna love them I love them already if you weren't at 8% nation 2019 then you missed out because they were dropping some bombs from stage Dude Scott Howell Bradley flowers welcome on gents. Thank you. Thank you so much for having us Cody It means a lot to be here. Love what you guys are doing really enjoy it I'll tell you a story about Cody. I got 8% nation There ran to a sound check real quick didn't think I would really get a chance to speak to you at 8% nation And you took the time to come on stage where I was up there trying to figure out exactly what we were gonna do You took the time to come in there and you were extremely busy. I know that and And spend some time with me and that meant a lot to me if you spend five or ten minutes with me Just just chopping it up for a few minutes. I really appreciate you dude. Thank you, buddy It was an honor to have you guys on stage doing a live podcast from stage and you guys did super well One of the biggest hits of the whole thing, man. It was great You know, I was telling somebody Spoke it up a big event in Tennessee this weekend and we spoke to about 50 carriers and brokers and then we spoke to About the same number of young agents there and I have a really I have a really hard time gauging how well I do in an event like that because I'm sometimes I'm like, you know, I feel like I did well or that we did well But I also don't want to be the guy that goes on stage at the American Idol I'm My mom says I'm the best singer in the world. You guys agree and they're like no don't ever sing again So I You know, I think anytime I go on stage and come off and people ask me how I feel like I did I just have no You know, it's the only people I know to ask are the people that were there to determine whether or not they got Out of it and that's what matters. Exactly.    You have fun. Well, there's no agenda. You know what I mean, like We're just we're just doing what we know know to do, you know We're sticking to our mission and and that's that, you know, you know, every every time we have a podcast episode I would say 90% of the time one of the things I say is I'm no different than the 250,000 insurance agents listening to this right now. I have the same problems I have the same issues both in my personal life and my business life and I have the inability to ever perceive myself as being anything more than they are and Maybe that's a mistake on my part. Maybe that's a mistake on my part Maybe I should feel like I'm you know, this podcast host and all this other stuff, but I Don't know. There's something inside Inside my personality that just does not allow me to feel that way. I just totally totally well For those that don't know these two gentlemen do the insurance guys podcast. It's probably or I mean It's got to be the most popular insurance podcast in the world, correct You know, I mean, there's a lot of good ones out there.  Come on. Come on Yeah, but I'll let that speak for itself I think yeah, just like everything else in life, whether it's a television show Numbers speak for itself. All I know is Bradley and I get a lot of Positive comments and people asking for advice relative to the insurance industry and for us. That's really what it's about We don't look at numbers. We don't look at somebody ask us for our Our numbers a couple weeks ago and we intentionally don't look at that stuff simply because We don't want to get into that thing. I mean, it's just it doesn't matter All and it's you know, I was on a panel at a Local event here the public relations council of Alabama and that was me for other people And of course they were wanting analytics and you know, what analytics do you track and this this that the other and that's more Yeah, you know a quarter thing, right?   Let's look at converge and let's look at that kind of thing You know We could have we could have a thousand listeners to our podcast But if 800 of them are reaching out to us that's much more important than having 250,000 and 10 people reaching out I think that's a I think that's a good thing for anyone that's ever wanting to start one too It's like if you're doing it for the listeners and nobody listens You're going to stop doing it if you're doing it for the listeners and you get a bunch of listeners It's probably going to go to your head, you know, you guys are genuine You're authentic at great personalities and you don't care, you know, you you love doing it You know secretly for me and I've told bradley this before I've shared this before for me it's a Little bit of a mini vacation to come down here because like I've got my wife here with me this this weed We'd left all the kids at the house You know, we get to spend some time together and And we can get away from the office and it seems like I'm down here every week But I was telling the buddy of mine my best friend from high school called me with an insurance question Who by the way doesn't even have his insurance from these with state form, but I digress Um, he called me the night before last and I was saying to him I said, you know, it feels like I go to mobile every week, but in reality, I really don't go down there Uh, but maybe once every two or three months and one of the things I'll tell your listeners people watching your podcast right now And it's something that I got from louis howl who has one of the biggest podcasts in the world Uh, louis louis is the one that came up with the idea that kind of struck struck a chord with me that Hey, if you're really going to do this Uh, you need to batch file your podcast so that you don't feel like you know, you're just doing it all the time Well, and it's hard to you know, like I respect you because you're a guy that I can tell you make content a priority Right Creating that daily content, but if you're like most people it's hard even myself You know, I had this idea I was going to do a local podcast here every and we were going to do it weekly I did one episode and never did it again. You know, whereas when you batch them It allows you to be consistent and that's one thing that I think we've done really well Is that we consistently release one every wednesday at 7am 8am eastern We release a podcast and it's because the backs that were able to do that if we were doing weekly Hands down one week a month something would come up and you wouldn't be able to do it Right, right. So so one of the things I'll tell you kody and I'm speaking directly to you Not to your audience right now unless they want to start a podcast two things.  I don't care In barring a nuclear holocaust where all the power grids in the united states of america go out do do A podcast 50 episodes and release it at the same time every week So here comes my second tip for you where we are right now in the world of podcasting and technology Is everybody has a podcast now podcasting has gone from when bradley and I started It was kind of in its infancy stage and someone insurance Yeah, well just everything and then the last two years every human being on the I just helped One a really good friend of mine who I played college basketball with just started a A basketball podcast that's and I and I it's pro one And he's he's got some of the biggest names in the world of professional basketball online And I basically walked him step by step on how to start a podcast now.  Yeah You gotta get to 50 and you gotta do it at the same time every week or you're gonna lose And even johnny our producer He's like something strange is gonna happen at 50 and that's where you kind of really start to see good I don't know if it's something with the Some of the algorithms on the podcast platforms or if it's just you You've built up that core fan base and then you have the second fan base Which are the people that listen every now and then and then you start getting A wider scale of guests where you may have a guest on that appeals to an additional, you know, we had gary on I mean you can imagine how many people listen to just that one episode and have never listened to another one So you get you get kind of those three kind of segmentations of listeners at that point it's and that's when you can really you know, and it isn't as a matter of fact You know 10 minutes ago. We recorded our hundredth episode. So we're Yeah Congrats gents. That's awesome so so You know Tell me what questions you guys have got for me today What do you think your audience would like to hear and we'll be happy to answer any of them that you got man I love it, man. Well, dude, that's why I love, um, you guys are you guys are so good at this now You can tell you've done it so much that like there was no agenda here either I'm like, I'm gonna jump on camera and it's gonna be great So sydney sydney roe was just on our podcast a few minutes ago and at the very end of it she goes Man, you you asked some incredibly good questions Sydney I've done it a hundred times I've done it a hundred times. That's it. That's it Something I thought of that you guys just mentioned because you gave you give several tips for someone That would want to start a podcast What's each of your favorite podcast to listen to? Not not of your own Another podcast that's not yours. Yeah So so it would it would depend it's like asking me, you know people throughout your life ask you What is the your favorite movie you've ever seen? Yeah, my response to that is first you got to tell me what genre we're talking about, right? You know, is it a horror movie comedy? Say it's comedy. Say it's comedy. What is that? Uh, probably my favorite comedy of all time was raising arizona with nicolas cage. Do you remember that? That movie just owned me when it came out. I need to go watch it.  Um, those Step brothers was phenomenal Yes, um But yeah, those would be three of the big ones for me. That would be the campaign that was Yeah, that was This question this week That was one of we did a q&a with uh the president or the ceo of the big eye of tennessee And that was one question she asked. Yeah My mind's gonna be I don't listen to a lot of insurance stuff if you can imagine that. Um, Yeah, a roguin podcast just because I like learning a lot of Like he's not scared I just like learning about I just saw today had Edward snowed it on I cannot wait to enter that to listen Um, another you have to be in the mood. It's called business And to give an example of their first effort and so they do seasons. Um, have you seen business wars? I have never really actually recommended that to me And so for example, the first one was netflix versus blockbuster And so there's a narrator Tell the story And then they have actors doing voices like of the actual conversation So it's more of a tv show and podcast for documentary tv show It's really really cool just to get like some I pick up business advice from it, but that's really not what it's meant for Yeah, yeah, so for me, I would say In the insurance space, um Mike stromso's upp podcast for property and casualty agents It's so Scott howl It's not even funny because you literally have to get a pen and paper out when you listen to that podcast Because he gives actual very tangible very tangible advice It's everything he says on that podcast.  It might be it's a little bit if it Seems a little bit more towards the the traditional ways of doing this But Mike is he has a way of putting it back together to this day and age, you know It's a very good podcast. You're like when I just listen to something That's not a lot of fluff and I'm gonna get some things. Yeah. Yeah. Yeah, that's good Love rogan love, uh, tom cigar and burt krischer. They have two bears one cave.  You like to laugh, you know, you I do I love Scott one time at a halloween party Dressed up as cut People I love look does that not fit perfect. I had the road the whole the exact costume when he was out there and said You know waves hey shitter's full had that exact costume on the whole thing. Oh, yeah Oh, that's good. Halloween is my favorite Holiday because I love to dress up and costumes and things and I just absolutely in fact I'll give you a little insight So in order to differentiate ourselves from other insurance agencies out there, you know We always talk about how to differentiate yourselves So what we do halloween at my agency is as our agency staff Dresses up as a group as a group like some group thing that we do last year. It was toy story I was Andy and and then we have a professional Photographer Was uh Oh, sorry. I was woody. Anyway, we we we dress up and then have a professional photographer come take a picture And we use that picture for our christmas card That's our christmas card to send out I love doing it. It's fantastic. You had the pie chart What would it say something like how great is It's customer service. Yeah, it was like awesome in blue. Then he had this one little strip of yellow and it said awesome in yellow Yeah, yeah It's not a good kind of creative and stuff like that. But uh, yeah, anyway, I'm sorry. I didn't mean to get off on it No, no, I love that. That's that's that's a good unique thing You know the people can like sort of think I saw the box and be creative because our industry can be so stinking boring I love that. I love that. Yeah.  Good What I was just gonna say what other questions do you have for today? Yeah, I would say uh What would you say is like how do you guys look for when you book your guest? Well, what's what what's kind of the is there a is there a Science to it. Does it really matter? Well, let me let me back up first and say that there's nobody that does a better job of Booking than than bradley does and any podcast because bradley's not afraid to ask Anybody to come on the podcast if you think of a name of somebody he's either Already invited them or he's about to invite them. Um, we are this close This close to getting frown all Oh, just a matter of scheduling. Yeah. Yeah, you know what? Cardone's office was the first place that came to mind. So that's okay. That's good So what I would say is when we're thinking about podcast guests the first thing you got to think of What value is that person going to bring to this show? If it's somebody that we even think Uh Is gonna be a little pitchy. We don't even you know Um, you know in the beginning we did a lot of we did a lot of selling, you know I would type out, you know, hey, this is our podcast here. It is on apple You know, we've interviewed this person, you know a lot of like, you know Just to just through the noise so to speak, you know, and it was funny in the beginning. We had Tom Hagna on Who's a big player in the life insurance space? And and you know, we at the time had a they still do have a decent um Listener listener base of state farm agents and tom is Worshiped among state farm agents and it's like man, how in the world you get Tom Hagna on?  You're contacting the agent you like going through the book in the public system like I picked up my phone I got a facebook and I mess Is that it because that was that was one of my next questions is how do you approach? You know what I mean? So so it's been a hundred percent to the dms Um slide into the dms Slide into the and and you know So that's kind of how we started a lot of selling and then about I would say 20 ish 15 20 episodes in Um, that's when people started reaching out. You know now it's pretty much A hundred percent people reaching out and saying hey, I want to come on And and you know and we turn we turn away more people than than we bring on and I mean and now we have Now we do have the publicist. I mean on a daily basis There's these these publicists for people to get you on podcast and it's okay Come see this kind of podcast that kind of thing We try to stick to a lot of agents, you know I really like interviewing kind of the players in our space and what are they what are they gonna do to You know, what are they doing that we can then take and and help other people? You know that kind of thing um with the occasional You know if we come across an awesome company and they're able to work something out where we can Say hey, look, this is something awesome that you guys need to know about that kind of thing So, you know and we're we're uh There's no process. It's just a matter of those few things with me today. I would agree. Yeah, I like high energy people I like people who have a story. I like great storytellers I like people that can match my energy and can really you know chop it up while they're on the show with me um So those are the and I and I what I really like to do is get like one pretty big agency owner on the podcast Somebody that has a lot of experience and is very thoughtful and then follow that up with like a technology Podcast so that agents learn about a new technology. We're about to I think go on air with glove box There's a new insurance technology that's coming out um and then and then in kind of scattered in between that I like to do small agents That maybe you're just you know small agencies that are You know, maybe have something cool. They're doing or You know a thought leader outside of the insurance industry. We had coach bird on this morning He's today's podcast that just got released Guys like that. They're great storytellers. They have fantastic information And a lot of times they'll say something in the podcast that makes insurance agents go damn I never thought of that that's incredible. So I like those kinds of people They're they're really a fun interview because they're real dynamic. You you you know coach bird you have a relationship with him. Yes I love those guys. I love them Because they'll chop it up with you and they'll get after it. No, he's awesome. Yeah, he he is he's he's uh He's high energy.   Yeah, barely barely barely Okay, you guys heard some big names like uh ed my let Patrick bet david Have you all approached them thoughts on them as a podcast? um I've listened to both of those guys, you know, I think I really would love to have ed my let. I haven't even really He'd be great. He'd be a great podcast. He and I would get along like peas and carrots I'd love to have him on there Dude, he's I he's intense. I love it man. He's strong. He's real good. You know what? Andy forcella So andy forcella Is the only person i've ever reached out to that has not got that somehow has not gotten back in some way I don't even know. Scott knows that like even gary You know frank herron like andy is the only one that I haven't been able to kind of get to the person You know And and and to be in you know their defense it was actually early I mean, I think we were on our second or third episode when I reached out to him So that was more of a shoot for the stars kind of thing That's good. Is it a uh Is there some follow-up involved if you want to if you want to grab a big name like that Is there some follow-up involved? Dude, gary took a year and a half Whoa And a year and a half and in that time frame I did agent 2021 I had him at my conference. We had dinner together all of that happened before we were ever able to even get close to a Yes, so a lot of good things had to happen in that time frame What what was something that you did that uh Helped you get someone like him on the podcast like was there a critical move or You gotta do you've got to figure out and this is this is you know I'll give you an example. Um You've got to figure out who the influential person is in the organization and it goes back to the whole like Life insurance sell an employee benefit You've got to figure out who either the gatekeeper is or the influential person In that space. It's it's it goes back to the bread and butter of insurance. You know, um You know, and that's that's really the the key is you know figure out who that is that has that has access to the calendar You know, um, I spoke in a conference one time that uh, and I'm not going to say which one it is. It wasn't yours I had another Influential person in the insurance space hating on me on twitter without using my name Saying something to the effect of you know, name me one insurance speaker at this conference. It has more than 2000 Twitter followers. Well, he was talking about me. I was the only person that was on the At that time and I'm like don't criticize me because I was Tackful enough to figure out who the person was that was running the conference behind the scenes not the face But the behind the scene person don't criticize me because I was strategic to figure out who that is And you just expect to tweet a bunch and somebody's gonna ask you to do it You know, like don't fault somebody for having more tenacity than what you have Hmm That's good That's good. Dude this I love it man. I love it. Uh, is there anything else you guys want to add as someone that I view as an influencer In our industry looking to help people looking to you know, maybe from a From a podcast personal brand Content perspective anything else you guys want to add some final tips for anybody that's looking to do something like that Well, I I think you've got to get you, you know Figure out what you're good at first of all and You know put a lot of content out on social media and do it in a way that Has zero expectation of anything in return, but just wanting to help people And that doesn't you know, I've been I've been saying this for a year now But if I had it to do over again, I love Bradley so much and I do anything for him but I would have probably started a podcast and The niche markets that we sell commercial insurance because instead of You know the way we did this is really mind numbing in the fact that we're we're just talking to other insurance agents Yeah, if if I was going to get in the podcasting world and I was in the insurance space I would be talking about my niche market whatever it was that I was selling Here's the key with that like don't you know, don't do a pod if you're a niche's apartments Don't do a podcast about apartment insurance. Do a podcast about apartments right bring influential people in And a byproduct of that is they're gonna look we do a podcast to the insurance industry. I sell insurance from that podcast right Um Somebody asked me the other day like Bradley, you know social media is great But like I don't really think you can sell commercial insurance on the c side.  Yeah video it record it. You've got your podcast You've got your video not to mention 80 little one-minute clips you can put out there. Okay Other business owners are gonna watch it. They're gonna know your name The business owner you interviewed is gonna feel guilted into letting you quote their commercial insurance If you ask for a deck page after you've given them free advertising Other businesses are gonna reach out to you swear to god. This is gonna happen Other businesses are gonna reach out to you and they're gonna say hey, Bradley Can I really please can you interview me on your podcast? It'd be great advertising for your business Yeah, rick the cost is I need your deck page You will sell commercial insurance on facebook on social media like Why does why I mean, you know, so and why am I not doing that? Yeah, I know right? So You know, so we got a guy in Tupelo, Mississippi doing that. He uh, actually eight percent nation That's where we met him. Yeah. He was at eight percent nation It's your it's your conference He had reached out to us before then though. Yeah, and uh, You know Bradley and I I thought it was a terrific idea. He had but we uh, we encouraged him to Uh, we each had a few different ideas, but it was something to where he basically became You know learn more about Tupelo, Mississippi start a facebook page Start interviewing businesses the local businesses, you know You ask a good question and there's there's that's a long answer and it takes a lot of different parts to that I think to get influencer You've got to have the consistency the way Bradley does. I don't have that consistency uh being on social media every day posting great content You got to have a platform like a podcast that They kind of gets your name out there in the industry And if you do it long enough and you have a consistency and here's the big key You post great content whether it's a podcast or on social media Eventually not going to happen in a week not going to happen in a month But eventually over a year or two three four or five You'll start gaining some traction and and and and you may have some opportunities Here's the thing too man is Joe Rogan is this generation's David Letterman. Absolutely. He's this generation's Johnny Carson Like you're you could legit like in as I'm like I'm looking at Saraland right There's 14,000 people in the town of my agency's in like I could be the news station For you anybody could be the news station for that town. Absolutely based off that podcast, you know, look at it that way You know, hey, I'm not I'm not going to uh to to talk about my agency I'm just going to talk about relevant events going on in the community and interview people Right things like that and it's going to drive traffic back to your agency. Everybody's going to know You know Become your own town's net I like that I love that dude that that was some really really good ideas. I'm telling you what if someone doesn't Take action on what we just heard They're missing out because that was strong. Listen. I don't care if you're selling life disability PNC That doesn't matter what products you're selling and this is a this is a Scott Howell right here too Okay, nobody else has ever said this so I'm gonna I'm gonna be the first I was driving down the road last week and I was thinking about Bradley And I was thinking about the insurance industry and and I got to thinking about it And I said, you know, the most clear and concise way that I can say this to people Is that no matter what product you sell in the insurance industry and you're in your town or the city that you live in You need to be that local politician That's running for the school board Or probate judge or the circuit judgeship, you know those guys and girls that do that for about six months All you see is their signs They're they're they're running commercials. They're doing social media and then and then the They don't disappear and then the elections over and they're gone But but if you treat this thing like you're a local person running for office And just work like that all the time to get your name out there You're going to bring some business in the door. There's no way you can't And people will probably ask you to run office later say that again And people will probably ask you to run for office later, even though you didn't intend on doing that. Absolutely Absolutely. Don't do that. That's great. The guy who like Has influence on the politicians Peter's about to die. So dude, you guys are awesome man. Hey They can they can download insurance guys podcast on itunes, right? Anywhere podcasts are Howl or bradley flowers or insurance or gary v insurance, it will come up. Yeah, I love you Thank you guys for being on.  They're influencers in the industry Thanks for watching the show