09.11.26 Clark Answers His Critics on Clark Stinks / Data Centers

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, data centers being built around the country have been polarizing, but one thing is for certain: your electricity bills are going up. Clark describes how the deals are done - often out of public view, who should rightfully pay the freight, and issues a critical call to action. All this and more on the September 11, 2026, episode of The Clark Howard Show. Clark Stinks: Segments 1 & 2 Data Centers- A Call To Action: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Why Clark Howard Changed His Mind About Prenups Car Rental Insurance: Everything You Need To Know - Clark Howard Is Now the Time To Get a CD or a CD Ladder? - Clark Howard Where Should You Keep Your Cash Reserve? / TreasuryDirect.gov When Should You File a Claim on Your Homeowners Insurance? Cell Phone Protection: These Credit Cards Will Replace Your Stolen or Damaged Phone NYTimes: Data Centers to Add Billions in Power Costs in 13 States [The Washington Post] How utility and tech firms ‘educate’ regulators with big donations, secret retreats What Is Service Line Insurance and Do I Need It? - Clark Howard National September 11 Memorial & Museum 9/11 Day · September 11 National Day of Service and Remembrance Clark.com resources: Episode transcripts Community. Clark.com / Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Submit your opinions or questions: Ask Clark. Learn more about your ad choices. Visit megaphone.fm/adchoices

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• 1:06Speaker 03

  It's my pleasure to welcome you to The Clark Howard Show on a special day, September 11th. I'm going to talk more about remembrance of September 11th at the end of today's podcast and YouTube show. But our mission is the same every day. It's to serve you with advice and information that empowers you so you make better financial decisions in your life. So today, we're going to start with Clark stinks as we normally do on a Friday and get to talk about what I've gotten wrong. And then later, we're going to talk about something that's way on the wrong track, and that's data centers being built around the United States.

• 1:50Speaker 03

  And as a result, your electric bill is going up, up and away. By the way, you know what people aren't talking about? Water bills too. I have a call to action on this that we're going to talk about later in today's show. But right now, it's time to hear how I've been stinking it up in today's Clark Stinks.

• 2:15Speaker 04

  I should have never encouraged you to speak. You must think I'm pretty stupid. You should be ashamed of yourself. Well, maybe I'm wrong. Maybe I'm wrong.

• 2:22Speaker 00

  Maybe you're right, pal.

• 2:26Speaker 05

  All right. The first two are about the same question. Actually, it was a segment when you talked about prenups and how you changed your mind. Carl in Florida says, "You stated you now think prenups are a good idea in three scenarios. One, remarrying or getting married later in life. I got remarried when I was 36. My wife was older than I, and we each owned our own homes. Two, blended families. I was bringing a child from a previous relationship into the marriage. And three, one spouse leaving the workforce. Three years after we were married, my wife left the workforce to care for our twins. And now you tell me we should have signed a prenup? Thanks, you're about 31 years too late." That's a funny one. And then Ohio Prof says, "Clark, recently, a troubling pattern has emerged.

• 3:11Speaker 05

  First, you have recently counseled cohabitating unmarried couples on housing and joint bank and credit card accounts without adequately highlighting the significant legal and financial complications that can arise if and when the relationship ends. Nor did you fully explain the benefits of legal protections that marriage can provide before making such long-term financial commitments. Second, I was shocked that you abandoned your long-held belief in the position of prenuptial agreements. You reported that you were wrong. Rather than encourage couples to seek marriage counseling and then fully commit to their wedding vows to love and cherish for better, for worse, for richer, for poorer, in sickness and health, you gave a weak argument about catastrophic insurance. Prenuptial agreements, however,

• 3:54Speaker 05

  are an example of the self-fulfilling prophecy, a process where an initially false expectation, like this marriage will fail, leads to behaviors like a prenuptial agreement that cause the expectation to become a reality. When an escape route is negotiated before the vows are exchanged, it can become an enduring shadow over the marriage. Clark, we need you to be the strong voice in the stormy times. Don't succumb to popular modernistic views. Listeners can find that kind of advice almost anywhere, on the radio or in a podcast. What has made your counsel valuable is that it's often offered something wiser, more measured, and more enduring."

• 4:30Speaker 03

  Thank you very much, Ohio Prof. So if you think about when you heard me talk about the prenups, it was painful for me to talk about it. The reality is, you stated what my position had always been, that if you're negotiating what your divorce is before you get married, then you're not going into it with everything being about forever. And so that was always the dilemma for me. So why did I change my mind on that? Very painfully and reluctantly, because since more than half of marriages end in divorce,

• 5:13Speaker 03

  and we hear every day from people who are dealing with the consequences of that, it forced me to rethink it. Because, one, I'm an incurable romantic, so it was really hard for me to think about, okay, so we're going to do this contract upfront. What happens? Blah, blah, blah, blah, blah. The circumstances of a blended family, even if it's not even about divorce, it's about what happens later in life with a couple that they're figuring that out upfront, how they take care of his kids, her kids, their kids. So you mentioned how sad it made you about,

• 5:57Speaker 03

  you call it a troubling pattern, about talking about people living together who aren't married. It is just a reality today that if I'm going to give financial and personal advice, that people overwhelmingly live together without getting married. And many of those people do later get married. And it's almost like culturally today, it's like it's a trial marriage or whatever when they live together first. So I cannot ignore what my listeners and viewers are actually, the life they're living. And I understand your sentiments, but I feel like I'm not doing my job if I don't speak to both of those audiences.

• 6:42Speaker 03

  And thank you for mentioning the lack of legal protections that people have when they're living together versus when they're living together married.

• 6:52Speaker 05

  Dave in Ohio says, "Clark, taking silly before-and-after cellphone videos of his rental car stinks worse than a backed-up Halloween rental car counter line. What a waste of time to worry about scratches and dings on a rental car. I want to fully enjoy my vacation and not lose a wink of sleep over any damage to the rental, which is why I purchased their insurance."

• 7:13Speaker 03

  Oh, no!

• 7:15Speaker 05

  No hassle.

• 7:15Speaker 03

  It stabbed me in the heart.

• 7:17Speaker 05

  No ridiculous cellphone videos of the car. If I buy their lost damage waiver and additional liability, then it will not affect my personal insurance if there is a rental incident or cause a massive claims hassle with the sketchy third-party credit card coverage. Clark, you really don't stink, but do you see my point? Budget for their insurance and have peace of mind."

• 7:38Speaker 03

  All right. Dave, thank you. That one's hard for me because when you look at the cost of the ancillary things they try to sell you at the rental car counter, they're almost always more money per day than what the cost of the rental would be otherwise. The average person has a wreck, not everybody, you know, is the average, about once a decade. So odds are, you can rent a car over and over and over and over and over again and not have a problem. All I'm doing is documenting so that if later I'm told, oh, that dent was caused by you, and I can then show the video, no, it wasn't.

• 8:20Speaker 03

  I just don't want to spend that extra money when I don't think the odds favor spending that extra money.

• 8:28Speaker 05

  Eric in New York says, "With regards to your comments on CDs, you don't outright stink, but an application of deodorant is in order. The devil is in the details. I've had many CDs over the years from banks, credit unions, and even brokered at Vanguard. And I believe every one of the bank and credit union CDs had clear automatic renewal at current rank clauses when they were opened. Everyone notified me in advance of renewal. Everyone had a 10-day grace period. No penalty if closed within 10 days of renewal. Sometimes, switching to a slightly different term yields a better rate. 13-month and 15-month terms seem to pop up now and again for some reason. Sometimes, threatening to not renew will get you a small loyalty bonus on the rate.

• 9:11Speaker 05

  Brokered CDs, in my limited experience, have more guide rails. $1,000 increments don't automatically renew and are more likely to be callable in addition to requiring a brokerage account. Like anything else, it's incumbent upon the buyer to understand the terms of the contract and keep track of their money."

• 9:29Speaker 03

  Thank you very much for your post. So actually, I probably didn't do a good job explaining how I felt about this because for me, the automatic renewal of CDs, banks and credit unions is to punish you, not to help you, because the renewal rate is often pitiful, far less than the initial rate. So I actually like that with the brokerage houses, when the CD is up, the CD is up, and then you shop it again to get the best deal. Now, the callable thing, oh, man, you're right about that. Callable is terrible. You could be offered a really good CD, and then before the term is up, they say, yep, well, we changed

• 10:14Speaker 03

  our mind, here's your money back, plus the interest up to this date. So that's you losing either way. So callable CDs are really bad news.

• 10:27Speaker 05

  Theophilus in the District of Columbia says, Clark was recently talking about broker placed CDs and high yield savings accounts as an option to earn interest on cash. Why does he never mention treasurydirect.gov is a way to purchase T-bills for as short as four weeks or as long as a year, and treasury notes for ranges of two to 30 years? The T-bills and treasury notes tend to pay a quarter percent or more in interest compared to CDs for the same duration, and the income is exempt from state income taxes, while CD and savings interest are fully taxed. You can set up auto renewal, which means the proceeds will be reinvested at the then-current treasury rates for as many cycles as you choose, without having to worry about being scammed when a bank CD is renewed at a low rate.

• 11:12Speaker 03

  Thank you for that. I love treasurydirect.gov. A lot of people have found treasurydirect.gov more complicated than they're comfortable with, and buying treasuries often will be superior to buying CDs or doing a savings account. And so if you can work your way through treasurydirect.gov, great idea. The one step lower is to do treasuries through one of the discount brokers.

• 11:44Speaker 05

  Mark in Florida says, Clark, you don't stink on this one, but you're not fully informed. You mentioned how much you like the Amazon Just Walk Out technology, where stores don't need cashiers. Amazon didn't discontinue that because of theft. It turned out that Amazon and others were using a technology that actually had large offshore operations, where real humans were just watching everything. I have no doubt that we will see the technology work on its own someday, just not today.

• 12:11Speaker 03

  Okay, I've never heard that. Have you ever heard that, that you're being watched by?

• 12:17Speaker 05

  Not surprised, but yeah.

• 12:18Speaker 03

  Wow, okay.

• 12:20Speaker 05

  Brian in Florida says, in your article about cellphone insurance, you mentioned to check your homeowner's insurance policy, but you always say not to make claims on your policy.

• 12:30Speaker 03

  That is completely true, and that would be an error in that article. So you don't want to have ancillaries that you claim on your homeowner's insurance, because your homeowner's insurer will treat it as a claim, like it was a big house claim. So the best way, if you want to protect your cellphone and not pay for it, use a credit card to pay your bill that provides, included with it, cellphone insurance.

• 13:04Speaker 05

  Wasity in Washington says, one of your mistresses is so old fashioned. You were talking about getting prescriptions from Costco. Do you know how backward Costco is just getting a price quote for drugs? They don't give prices over the phone or online. You actually have to transfer all of your medications to Costco first, and that's when they can tell you the price.

• 13:24Speaker 03

  What?

• 13:25Speaker 05

  I feel like so much work goes into all of that. Do you ever feel like you're dating Jim Senegal himself? Anything that has to do with convenience for members, Costco is a no first. Compare this to Sam's Club.

• 13:37Speaker 03

  Well, Wasity, thank you for that. For those of you who don't know, Jim Senegal is the retired founder and CEO, or co-founder of Costco, and a very, very nice man. It was great to spend time talking with him in the past. But yeah, Costco at times is not as technology oriented as Sam's Club, and that's a shame, because Sam's is so automated, and their app is so good.

• 14:13Speaker 05

  Justin in Texas says, there's a very mild odor. Either it's Clark's incomplete guidance or my upper lip. Let's find out which. Once one opens an account at a separate financial institution to be used solely for Venmo, how does one actually fund it? Presumably, we're dealing with an online-only bank. Here's my approach, which I hope my fellow Clarkies will appreciate. My primary account is at an online-only bank that provides free checkbooks. For my primary, I write a physical check addressed to myself. Literally, I'm both payer and payee. Then I use mobile deposit to put the funds into my Venmo-only account. Although some institutions allow you to establish an account familiarity across institutions and thereby avoid wire transfer fees, I don't want to waste my

• 14:58Speaker 05

  time reading the fine print about cross defaults and wondering whether that fine print will change without notice. My questions are, one, how would you weigh the risk that two financial institutions have common ownership, making this account separation a false sense of security? And two, what critiques do you have about my recommended approach?

• 15:17Speaker 03

  I think your approach of writing a check and then doing digital deposit is great. You don't have to worry, there's no check going in the mail or anything like that. The odds that two financial institutions will be under common ownership, and then they'll invoke a cross default clause, is so very low that I wouldn't lose sleep over that.

• 15:42Speaker 05

  Lonnie in Tennessee says, Clark, you stink worse than one of the Wild Planet sardine cans bought at Costco.

• 15:48Speaker 03

  Costco, again, is that a theme?

• 15:50Speaker 05

  Yeah, well, it's a theme for you. You do have a dog named Kirkland Signature. On the YouTube show, you indicated that there are 21 million skilled workers needed over the next four years. The report that I saw indicates 2.1 million. Well, still a respectable number. It's a far cry from 21 million. Thank you very much from the show. I've learned a lot these last few years of listening to you, and I'm now passing on your advice to my daughter and her new husband.

• 16:17Speaker 03

  Lonnie, oh, my goodness. I had enough people stop me when I've been out and about saying, when's the last time you had your vision checked? You're right, I missed the decimal point. That was really terrible of me. It was, I mean, by a factor of 10, I messed up. I said 21 million, it was 2.1. So the point's still valid. It's a lot of jobs, but I've been told from time to time that I can tend to be an exaggerator.

• 16:52Speaker 05

  Maybe some hyperbole.

• 16:54Speaker 03

  But this was not an exaggeration. This was my carelessness. So please accept my apology. I think the point's still valid, but I am a stinky sardine from Costco, clearly. Can you stand, standing next to me? Is that why you have that thing on your nose?

• 17:15Speaker 05

  Stop it.

• 17:17Speaker 03

  Thank you so much, everybody who posted Clark stinks today, and that was shared with you on the podcast and YouTube show. If there's something you hear me say, and it just doesn't ring true to you, or you know, Clark, you're wrong, post it, because it corrects the record, and it's how I learn. Coming up ahead, oh, boy, could data centers be more unpopular in the country than they are right now? Well, it's going to get worse. We cannot sit on our hands about this.

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• 20:30Speaker 03

  It's leading to like 1849 gold rush with everybody spending and borrowing billions upon billions upon hundreds of billions of dollars to build giant data centers. And there's so much corruption in this process. I can't even tell you. What you got is you've got a lot of politicians who because of money that's being fed to them through their campaigns or junkets, free fancy luxury trips, they're selling you and me down the river.

• 21:12Speaker 03

  And these data centers are being approved in secrecy all over the country. And you and I are left holding the bag. This is something that is serious because the electricity demands of these data centers is so large, it's even hard to get your arms around it. And the water use, and there are areas where data centers are being built, there's just not flat out enough water for all of us at our homes, our businesses, at farms, once the data centers come and gulp up all the water. And the politicians don't care. They don't care.

• 21:57Speaker 03

  So who has to care? You and I have to care. One of the ways you can make a difference is in a lot of states, the people who decide on these data centers are elected. The people who, who give the sweetheart deals to them through the power regulation of state, elected. And these people are the ones who are most being romanced by these data center companies. And by the way, they're co-conspirators in the power company industry. They're just eating up your and my wallet. Have you seen your power bill lately?

• 22:36Speaker 03

  So I've got no problem with us embracing a modern industry. That's not the problem. The problem is they need to pay their own way. And the cost of the power that needs to be created for them to operate these centers, the extra cost of the system not passed on to you and me, need to be passed on to them. And if they don't have a plan to safely provide for water for a data center that somebody's trying to build near you, then they shouldn't be able to get approval for that data center.

• 23:17Speaker 03

  Politicians operate so often remotely removed from their voters. And it's until you and I get fired up and organized that they pay attention. Because what's the first job of every politician, every elected official? The first job is to get reelected. And if they start getting scared, they're not going to get reelected? That's when change happens. So it's up to us with the data centers. Now, you know, this is a whole new era. I mean, look at, look at another unintended consequence.

• 23:56Speaker 03

  The cost for you and I to borrow money is going up because of the massive borrowing of the data centers crowding out consumer borrowing, competing with consumer borrowing, and pushing rates up. Now, on the positive side, if you're a saver, and we had several comments concerning saving, savings accounts, CDs, treasuries, and today's Clark stinks. The effect of the data centers is actually a net positive for savers because of what they're doing to the cost of borrowing money, which if you're a saver, you're the lender

• 24:41Speaker 03

  lending money out. But the overall impacts are so distorting. And you and I being left to pay the bills for these big tech companies? That's just so wrong. And I know this isn't the normal kind of thing I would talk about, but the point is here, if we are passive, if we just sit idly by, they're going to pick our pockets. And we're not going to get the benefits of the ownership of those various companies that are building these data centers. We just get the bills. And that's not okay. Krista?

• 25:26Speaker 05

  Okay.

• 25:26Speaker 03

  So data centers stink.

• 25:28Speaker 05

  Yeah.

• 25:28Speaker 03

  Yeah.

• 25:29Speaker 05

  Amy in North Carolina says, with everyone complaining about high utility costs, are you familiar with dirty energy and any of the products marketed to help? And then she names one of them.

• 25:40Speaker 03

  Yeah.

• 25:40Speaker 05

  What do you think about it?

• 25:42Speaker 03

  It's a, it's actually a phony baloney thing. So you may remember this. I remember we did this on TV years ago. These devices supposedly you just simply buy them and you plug them in an outlet and they're going to reduce the energy consumption of other things in your house. And every time these things have been tested, it's just smoke and mirrors. This will not save you energy.

• 26:12Speaker 05

  Okay. Rainy in Virginia says, my power company sends me frequent messages, offering different sorts of supplemental insurance for my home, such as the HVAC system, electrical system, or the plumbing. The prices are pretty low, like 15 or $20 a month, but I've been reading the fine print and I'm wondering if these things are even worth it. I know they don't cover things like frozen pipes. It only covers my HVAC system if it's under warranty. The policies cover only things that aren't covered by my homeowner's insurance.

• 26:41Speaker 03

  Wait, wait, wait, go back. It only covers the HVAC when it's under warranty? So you're paying this for protection when it's under warranty? That makes no sense.

• 26:52Speaker 05

  It doesn't. They cover only things that aren't covered by my homeowner's insurance. For example, the water and sewer lines. And they name the company. Is any of this worth it? Thank you so much for your advice. Over the years, I'm comfortably retired and have been a fan for years. I'm looking forward to pointing my daughter to your upcoming podcast for 20-somethings.

• 27:12Speaker 03

  Thank you very much for that. And thanks for being a loyal listener or viewer for years. So don't buy any of these things that are being touted by, could be your local government, could be your utility of various types. These are all things, they're just making money on commissions by making you feel like they're there for you. And all they're doing is repping for some third-party firm that's paying them a commission for everybody who signs up. And when you think about how the money adds up, every time you sign up for one of these protection things for your home, you end up at a point where even at 20 bucks a month,

• 27:57Speaker 03

  that's $240 a year. The money you would have paid for those goes in your rainy day account, the account that you fix things when something goes wrong with your house, your car, whatever. You're much better off being your own insurance company than paying any of these fees. The worst part about these fees though, is the mice type. Then when you think you're covered and you have a problem and you try to make a claim and they say, oh, that's not covered.

• 28:27Speaker 05

  Okay. I in Pennsylvania says, we have a high school senior, this is happening to a lot of people right now, Clark, I know one, our public school district sent us a message saying that we needed to schedule our senior photo session with a company they use, which has essentially been the

• 28:42Speaker 03

  Oh, they're huge.

• 28:42Speaker 05

  Only photography option offered through the school.

• 28:45Speaker 03

  Yeah.

• 28:45Speaker 05

  We scheduled the elite session for $300, only to find out that if we wanted the digital photos, we would have to pay more than $2,000. I really didn't need all of the photos from a four-hour session, so I asked if we could simply purchase a few of the images we liked. After a heated conversation with an extremely unpleasant representative and several calls to the overseas customer service, we were told that we had to purchase all or none. My question is, why would a public school district promote one private photography company so heavily without providing parents with clear alternatives? Is there a way for parents to find out whether the school district has an exclusive agreement with this company, receives any financial benefit, or has some other arrangement that

• 29:29Speaker 05

  explains why they are promoted as the primary option? And from a consumer rights perspective, what can parents do when a public school appears to steer families toward one private company? Thanks for any advice, Clark. I would really appreciate your perspective.

• 29:44Speaker 03

  Okay. So this, this comes up most, most years with the photo sessions. Right? So there's a small number of companies that Have been able to get these exclusive contracts with school districts and private schools all over the country. Now, they are so misleading. And Chris has got the notes for me here on how it works in Pennsylvania with the vendor there. And in bold, it says you're not legally or contractually required to spend money on their packages. The vendor

• 30:23Speaker 03

  has to allow for a $0 option. They don't publish it clearly. But if all you're doing is you're getting the yearbook photo or

• 30:36Speaker 05

  The cap and gown.

• 30:37Speaker 03

  Cap and gown picture, whatever, then the session has to be free. But everything about how it's marketed, and not just in the state of Pennsylvania, all around the country, is about you have to use these people and you have to spend a fortune. But in return for the exclusivity, if all you do is you got the standard picture, and you're not getting it to keep, then that session is free. There may be some exceptions at some of the contracts with the private schools, and maybe some school districts, but the whole thing is just a rook.

• 31:15Speaker 05

  Well, my daughter was a senior. So she did her cap and gown through school. And then there was a young lady who was a photography student, a minor at college, who was home. And she, during her spring break, and she did a photo session of my daughter. And I think it cost us a total of $120. And we got all the digital photos. And there are lots of people who just sort of do this as a side gig, too. My friend is a photographer up in Massachusetts. She's a teacher, but she's a great photographer. And she does these senior photos, like the photo sessions. So I'm sure you could probably find an alternative.

• 31:47Speaker 03

  And the craziest thing of all, teenagers are so good taking pictures with these phones. They can set up great photo sessions. I mean, think about how many people can do this themselves, just like you're talking about adults doing it. Teenagers could do photo sessions. And the whole thing, how much money was it? $1,000?

• 32:13Speaker 05

  $2,000.

• 32:14Speaker 03

  $2,000. $2,000. I mean, that's like bank robbery without a gun.

• 32:19Speaker 05

  Mm hmm.

• 32:20Speaker 03

  That's unbelievable. Fortunately, I don't know how we avoided that with all three kids. We never got ripped off by any. So it's too bad we have no pictures of our kids.

• 32:34Speaker 05

  Oh, please.

• 32:35Speaker 03

  We have plenty. Oh, man. So, okay, I'm going to change directions completely. Because as I said at the top of today's podcast and YouTube show, today being September 11, if you're a longtime listener or viewer, you know how much I was affected by how it changed the trajectory of my life after 9/11. And here we are 25 years in. And I look back and the tragic loss of life, the brutality, the evil that visited our nation on that

• 33:13Speaker 03

  day. And then in turn, the resilience we as a country have shown. And I miss today with the divisions in our society, the unity we had following 9/11. And each of us handled it different ways. I was so inspired by the passengers on United Flight 93, who knew what had happened with prior planes, who attacked the hijackers and sadly lost their lives in rural Pennsylvania. So that plane came down and saved either the Capitol building

• 33:55Speaker 03

  or the White House. Nobody knows for sure, or said which of the two was the target. That I said at that time, and I went directly to New York after the attacks, first day I could fly, which I think was September 14, maybe. And I was on a virtually empty plane with my producer. And we worked there for several days in the covering the aftermath. And I said at that time, that why Flight 93 meant so much to me is, the day started with victims and villains, and ended with people who showed incredible courage. And

• 34:36Speaker 03

  through the day, the first responders, and what they did, and walking right into certain death, the firefighters, again and again. And you walk past a firehouse in New York today, and you'll see the plaques for all the firefighters who lost their lives that day, going into burning buildings. And so I then, by that November, I had enlisted in my state guard that I served in for 21 years till I retired. And I think that, for

• 35:13Speaker 03

  me, what really is the message and inspiration for me from that horrific time, is that we don't sit idly by. We stand up and be counted. We just don't be spectators in life. I will forever hold dear, in my heart and my memories, the people who did so many incredible brave things that day and in the aftermath. So know that out of every tragedy, comes triumph. Obviously, not for those who lost their lives that day, their families that grieved. But

• 35:56Speaker 03

  as a country, we triumphed. And just weeks ago, I was at Freedom Tower, at the base of Freedom Tower. I wasn't going there. I just happened to be in the financial district. And there it was. I went by and went by the memorial garden. And I just reflected when I was there, on what that day meant, and what it showed about the resilience and toughness of us as a people and as a country. On that note, have a great weekend. And we will be at your service Monday, on the podcast and the YouTube show.

• 36:38Speaker 01

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