but at the same time we were doing that, we had another draft with like 20 something people in

B-AH1 T-AE1-T DH-AH0 S-EY1-M T-AY1 M-W-IY1 W-ER0 D-UW1 IH0-NG DH-AE1 T-W-IY1 HH-AE1 D-AH0 N-AH1 DH-ER0 D-R-AE1-F T-W-IH1 DH-L-AY1-K T-W-EH1-N T-IY0 S-AH1-M TH-IH0-NG P-IY1 P-AH0 L-IH0-N


by far the most successful and ease and went the smoothest of any of the things you did

B-AY1 F-AA1-R DH-AH0 M-OW1-S-T S-AH0-K S-EH1-S F-AH0 L-AH0-N D-IY1 Z-AH0-N D-W-EH1-N-T DH-AH0 S-M-UW1 DH-AH0-S T-AH1 V-EH1 N-IY0 AH1-V DH-AH0 TH-IH1-NG Z-Y-UW1 D-IH1-D


[crosstalk] passed our stuff and basically went out the hotel.

K-R-AO1-S T-AO1-K P-AE1-S T-AW1 ER0-S T-AH1 F-AH0-N-D B-EY1 S-IH0 K-L-IY0 W-EH1-N T-AW1-T DH-AH0 HH-OW0 T-EH1-L


right? well, the good news there is, that means they all had to know what was going on with the gaming. because everybody had to see us. because everybody at the convention, in those lines.

R-AY1 T-W-EH1-L DH-AH0 G-UH1 D-N-UW1-Z DH-EH1 R-IH1-Z DH-AE1 T-M-IY1-N-Z DH-EY1 AO1-L HH-AE1-D T-UW1 N-OW1 W-AH1 T-W-AA1-Z G-OW1 IH0 NG-AA1 N-W-IH1-DH DH-AH0 G-EY1 M-IH0-NG B-IH0 K-AO1 Z-EH1 V-R-IY0 B-AA2 D-IY0 HH-AE1-D T-UW1 S-IY1 AH1-S B-IH0 K-AO1 Z-EH1 V-R-IY0 B-AA2 D-IY0 AE1-T DH-AH0 K-AH0-N V-EH1-N SH-AH0 N-IH0-N DH-OW1 Z-L-AY1-N-Z


[crosstalk] i met one of the artists for the monster manual, richard whitter.

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[crosstalk 00:04:57]. i want to specially, thank, while we're doing this, drew and jeff for helping us out.

K-R-AO1-S T-AO1-K Z-IH1 R-OW0 AW1 ER0-Z F-AO1-R M-IH1 N-AH0-T S-AH0-N-D F-IH1-F T-IY0 S-EH1 V-AH0-N S-EH1 K-AH0-N-D Z-AY1 W-AA1-N-T T-UW1-S P-EH1 SH-AH0 L-IY0 TH-AE1-NG K-W-AY1 L-W-ER0 D-UW1 IH0-NG DH-IH1-S D-R-UW1 AH0-N-D JH-EH1-F F-AO1-R HH-EH1-L P-IH0 NG-AH1 S-AW1-T


this is the time to get you a badge, if you're wanting to come.

DH-IH1 S-IH1-Z DH-AH0 T-AY1-M T-UW1 G-EH1 T-Y-UW1 AH0 B-AE1 JH-IH1 F-Y-UH1 R-W-AA1-N T-IH0-NG T-UW1 K-AH1-M


all right. so moving on to, i can gain that. for this month's i can gain that, we're going to go with a classic tale.

AO1-L R-AY1-T S-OW1 M-UW1 V-IH0 NG-AA1-N T-UW1 AY1 K-AE1-N G-EY1-N DH-AE1-T F-AO1-R DH-IH1 S-M-AH1-N-TH S-AY1 K-AE1-N G-EY1-N DH-AE1 T-W-ER0 G-OW1 IH0-NG T-UW1 G-OW1 W-IH1 DH-AH0 K-L-AE1 S-IH0-K T-EY1-L


if not, what's the daffy duck cartoon? because it's the best translation, robin hood there - nah, i'm kidding.

IH1 F-N-AA1 T-W-AH0-T-S DH-AH0 D-AE1 F-IY0 D-AH1-K K-AA0-R T-UW1-N B-IH0 K-AO1 Z-IH1-T-S DH-AH0 B-EH1-S-T T-R-AE0-N Z-L-EY1 SH-AH0 N-R-AA1 B-AH0-N HH-UH1-D DH-EH1-R N-AA1 IH1-M K-IH1 D-IH0-NG


well look, the four best robin hood's are robin hood men in tights; daffy duck.

W-EH1-L L-UH1-K DH-AH0 F-AO1-R B-EH1-S T-R-AA1 B-AH0-N HH-UH1-D Z-AA1-R R-AA1 B-AH0-N HH-UH1 D-M-EH1 N-IH0-N T-AY1-T-S D-AE1 F-IY0 D-AH1-K


[crosstalk 00:05:28]. so just speaking of how ambiguous this is right now.

K-R-AO1-S T-AO1-K Z-IH1 R-OW0 AW1 ER0-Z F-AY1 V-M-IH1 N-AH0-T S-AH0-N-D T-W-EH1-N T-IY0 EY1-T S-EH1 K-AH0-N-D-Z S-OW1 JH-AH1-S-T-S P-IY1 K-IH0 NG-AH1-V HH-AW1 AE0-M B-IH1 G-Y-UW0 AH0-S DH-IH1 S-IH1 Z-R-AY1 T-N-AW1


there are currently like seven robin hood movies in production.

DH-EH1 R-AA1-R K-ER1 AH0-N T-L-IY0 L-AY1-K S-EH1 V-AH0 N-R-AA1 B-AH0-N HH-UH1 D-M-UW1 V-IY0 Z-IH0-N P-R-AH0 D-AH1-K SH-AH0-N


which is hilarious. cause king arthur is mostly french.

W-IH1 CH-IH1-Z HH-IH0 L-EH1 R-IY0 AH0-S K-AA1-Z K-IH1 NG-AA1-R TH-ER0 IH1 Z-M-OW1-S T-L-IY0 F-R-EH1-N-CH


but, it is really classic english though. even though he's french.

B-AH1 T-IH1 T-IH1 Z-R-IH1 L-IY0 K-L-AE1 S-IH0 K-IH1-NG G-L-IH0-SH DH-OW1 IY1 V-IH0-N DH-OW1 HH-IY1-Z F-R-EH1-N-CH


what's nice, is that robin hood is basically built like an rpg anyway [crosstalk 00:05:44]. because it's robin hood and his merry men.

W-AH0-T S-N-AY1 S-IH1-Z DH-AE1 T-R-AA1 B-AH0-N HH-UH1 D-IH1-Z B-EY1 S-IH0 K-L-IY0 B-IH1-L T-L-AY1 K-AE1-N P-R-AA1 G-EH1 N-IY0 W-EY2 K-R-AO1-S T-AO1-K Z-IH1 R-OW0 AW1 ER0-Z F-AY1 V-M-IH1 N-AH0-T S-AH0-N-D F-AO1-R T-IY0 F-AO1-R S-EH1 K-AH0-N-D-Z B-IH0 K-AO1 Z-IH1-T S-R-AA1 B-AH0-N HH-UH1 D-AH0-N-D HH-IH1 Z-M-EH1 R-IY0 M-EH1-N


it's a bunch of thieving, a-holes in the forest, robbing from a bunch of thieving a-holes who live in castles.

IH1-T S-AH0 B-AH1-N CH-AH1-V TH-IY1 V-IH0 NG-AH0 HH-OW1-L Z-IH0-N DH-AH0 F-AO1 R-AH0-S T-R-AA1 B-IH0-NG F-R-AH1 M-AH0 B-AH1-N CH-AH1-V TH-IY1 V-IH0 NG-AH0 HH-OW1-L-Z HH-UW1 L-AY1 V-IH0-N K-AE1 S-AH0-L-Z


in many ways, robin already was an [inaudible 00:05:57]. but anyway, i think the fact is that robin [inaudible] from the oppressing rich to give to the -

IH0-N M-EH1 N-IY0 W-EY1 Z-R-AA1 B-AH0 N-AO0-L R-EH1 D-IY0 W-AA1 Z-AE1 N-IH0 N-AO1 D-AH0 B-AH0-L Z-IH1 R-OW0 AW1 ER0-Z F-AY1 V-M-IH1 N-AH0-T S-AH0-N-D F-IH1-F T-IY0 S-EH1 V-AH0-N S-EH1 K-AH0-N-D-Z B-AH1 T-EH1 N-IY0 W-EY2 AY1 TH-IH1-NG-K DH-AH0 F-AE1-K T-IH1-Z DH-AE1 T-R-AA1 B-AH0 N-IH0 N-AO1 D-AH0 B-AH0-L F-R-AH1-M DH-AH0 AH0 P-R-EH1 S-IH0 NG-R-IH1-CH T-UW1 G-IH1-V T-UW1 DH-AH0


is something that works in virtually any - i mean, you can do shadownrun as a robin hood game.

IH1-Z S-AH1-M TH-IH0-NG DH-AE1 T-W-ER1-K S-IH0-N V-ER1 CH-UW0 AH0 L-IY0 EH1 N-IY0 AY1 M-IY1 N-Y-UW1 K-AE1-N D-UW1 SH-EY1 D-AW2 N-ER0 S-AE1 Z-AH0 R-AA1 B-AH0-N HH-UH1-D G-EY1-M


and we have done robin-hood-like missions for shadownrun, where we have done something for the poor to protect them from the rich. not necessarily robbed and given money.

AH0-N D-W-IY1 HH-AE1-V D-AH1 N-R-AA1 B-IH0-N HH-OY0-D S-IY0 M-IH1 SH-AH0-N-Z F-AO1-R SH-EY1 D-AW2 N-ER0 S-W-EH1 R-W-IY1 HH-AE1-V D-AH1-N S-AH1-M TH-IH0-NG F-AO1-R DH-AH0 P-UH1-R T-UW1 P-R-AH0 T-EH1-K-T DH-EH1-M F-R-AH1-M DH-AH0 R-IH1 CH-N-AA1 T-N-EH2 S-AH0 S-EH1 R-AH0 L-IY0 R-AA1-B D-AH0-N-D G-IH1 V-AH0-N M-AH1 N-IY0


and you're right. it does lend itself in the fact that there is a core party of robin hood. it's not just his merry men. it's robin hood, little john, will scarlet,

AH0-N D-Y-UH1-R R-AY1 T-IH1-T D-AH1 Z-L-EH1-N D-IH0-T S-EH1-L F-IH0-N DH-AH0 F-AE1-K-T DH-AE1-T DH-EH1 R-IH1 Z-AH0 K-AO1-R P-AA1-R T-IY0 AH1 V-R-AA1 B-AH0-N HH-UH1 D-IH1-T S-N-AA1-T JH-AH1-S-T HH-IH1 Z-M-EH1 R-IY0 M-EH1 N-IH1-T S-R-AA1 B-AH0-N HH-UH1 D-L-IH1 T-AH0-L JH-AA1 N-W-IH1-L-S K-AA1-R L-AH0-T


friar tuck, alan-a-dale, maid marian. there is an adventure party, right?

F-R-AY1 ER0 T-AH1 K-AE1 L-AH0 N-AH0 D-EY2-L M-EY1 D-M-EH1 R-IY0 AH0-N DH-EH1 R-IH1 Z-AE1 N-AE0-D V-EH1-N CH-ER0 P-AA1-R T-IY0 R-AY1-T


prince john is an evil warlock that's taken over the kingdom. his evil warlock apprentice, or sorcerer apprentice

P-R-IH1-N-S JH-AA1 N-IH1 Z-AE1 N-IY1 V-AH0 L-W-AO1-R L-AH0-K TH-AE1-T-S T-EY1 K-AH0 N-OW1 V-ER0 DH-AH0 K-IH1-NG D-AH0-M HH-IH1 Z-IY1 V-AH0 L-W-AO1-R L-AH0 K-AH0 P-R-EH1-N T-AH0 S-AO1-R S-AO1-R S-ER0 ER0 AH0 P-R-EH1-N T-AH0-S


[inaudible 00:06:45]. little john has a dragon. it's an interesting idea. but it works. i mean, because you can take that same framework, this group of people working -

IH0 N-AO1 D-AH0 B-AH0-L Z-IH1 R-OW0 AW1 ER0-Z S-IH1-K S-M-IH1 N-AH0-T S-AH0-N-D F-AO1-R T-IY0 F-AY1-V S-EH1 K-AH0-N-D Z-L-IH1 T-AH0-L JH-AA1-N HH-AE1 Z-AH0 D-R-AE1 G-AH0 N-IH1-T S-AE1 N-IH1-N T-R-AH0-S T-IH0 NG-AY0 D-IY1 AH0 B-AH1 T-IH1 T-W-ER1-K S-AY1 M-IY1-N B-IH0 K-AO1 Z-Y-UW1 K-AE1-N T-EY1-K DH-AE1-T S-EY1-M F-R-EY1 M-W-ER2-K DH-IH1-S G-R-UW1 P-AH1-V P-IY1 P-AH0 L-W-ER1 K-IH0-NG


what if it turns out that robin

W-AH1 T-IH1 F-IH1-T T-ER1-N Z-AW1-T DH-AE1 T-R-AA1 B-AH0-N


is actually a really compelling idea? because

IH1 Z-AE1-K CH-AH0 W-AH0 L-IY0 AH0 R-IH1 L-IY0 K-AH0-M P-EH1 L-IH0 NG-AY0 D-IY1 AH0 B-IH0 K-AO1-Z


robin is a terrorist fighting the legitimate in place government,

R-AA1 B-AH0 N-IH1 Z-AH0 T-EH1 R-ER0 IH0-S-T F-AY1 T-IH0-NG DH-AH0 L-AH0 JH-IH1 T-AH0 M-AH0 T-IH0-N P-L-EY1-S G-AH1 V-ER0 M-AH0-N-T


trying to bring it down [crosstalk] and villainizing and demonizing the legitimate in place law.

T-R-AY1 IH0-NG T-UW1 B-R-IH1 NG-IH1-T D-AW1-N K-R-AO1-S T-AO1 K-AH0-N-D V-IH1 L-AH0 N-AY2 Z-IH0 NG-AH0-N-D D-IY1 M-AH0 N-AY2 Z-IH0-NG DH-AH0 L-AH0 JH-IH1 T-AH0 M-AH0 T-IH0-N P-L-EY1 S-L-AO1


now, regardless of the fact that the law enforcement in that area -

N-AW1 R-AH0 G-AA1-R D-L-AH0 S-AH1-V DH-AH0 F-AE1-K-T DH-AE1-T DH-AH0 L-AO1 EH0-N F-AO1-R S-M-AH0-N T-IH0-N DH-AE1 T-EH1 R-IY0 AH0


[crosstalk 00:07:20]. you can make them the villains very, very easily.

K-R-AO1-S T-AO1-K Z-IH1 R-OW0 AW1 ER0-Z S-EH1 V-AH0-N M-IH1 N-AH0-T S-AH0-N-D T-W-EH1-N T-IY0 S-EH1 K-AH0-N-D Z-Y-UW1 K-AE1-N M-EY1-K DH-EH1-M DH-AH0 V-IH1 L-AH0-N-Z V-EH1 R-IY0 V-EH1 R-IY0 IY1 Z-AH0 L-IY0


well, it doesn't matter how good your intentions are. when you hold people up it,

W-EH1 L-IH1-T D-OW1 S-AH0-N T-M-AE1 T-ER0 HH-AW1 G-UH1 D-Y-AO1 R-IH0-N T-EH1-N CH-AH0-N Z-AA1 R-W-EH1 N-Y-UW1 HH-OW1-L-D P-IY1 P-AH0 L-AH1 P-IH1-T


it's a story. exactly. so depending on the perspective, you've got a lot of play there, where they can be the good guys or the bad guys.

IH1-T S-AH0-S T-AO1 R-IY0 IH0-G Z-AE1-K T-L-IY0 S-OW1 D-IH0 P-EH1-N D-IH0 NG-AA1-N DH-AH0 P-ER0-S P-EH1-K T-IH0 V-Y-UW1-V G-AA1 T-AH0 L-AA1 T-AH1-V P-L-EY1 DH-EH1 R-W-EH1-R DH-EY1 K-AE1-N B-IY1 DH-AH0 G-UH1-D G-AY1 Z-AO1-R DH-AH0 B-AE1-D G-AY1-Z


make robin a hucksterish conman, backed up by a gang of outlaws.

M-EY1 K-R-AA1 B-AH0 N-AH0 HH-AH1-K-S T-ER2-S K-AA1-N M-AH0-N B-AE1-K T-AH1-P B-AY1 AH0 G-AE1 NG-AH1 V-AW1 T-L-AO2-Z


civil war, but really not out in the old west, because this was in missouri and minnesota and stuff. right. remember,

S-IH1 V-AH0 L-W-AO1-R B-AH1 T-R-IH1 L-IY0 N-AA1 T-AW1 T-IH0-N DH-AH0 OW1-L D-W-EH1-S-T B-IH0 K-AO1-Z DH-IH1 S-W-AA1 Z-IH0-N M-AH0 Z-UH1 R-IY0 AH0-N D-M-IH2 N-IH0 S-OW1 T-AH0 AH0-N-D-S T-AH1 F-R-AY1 T-R-IH0 M-EH1-M B-ER0


[crosstalk] [inaudible] where they were actually stealing from the, the crooked yankees who were taking advantage of

K-R-AO1-S T-AO1 K-IH0 N-AO1 D-AH0 B-AH0 L-W-EH1-R DH-EY1 W-ER0 AE1-K CH-AH0 W-AH0 L-IY0-S T-IY1 L-IH0-NG F-R-AH1-M DH-AH0 DH-AH0 K-R-UH1 K-AH0 D-Y-AE1-NG K-IY0-Z HH-UW1 W-ER0 T-EY1 K-IH0 NG-AE0-D V-AE1-N T-IH0 JH-AH1-V


the - [crosstalk] everyone else is standing in soup lines, and they're driving around and being all great gatsby.

DH-AH0 K-R-AO1-S T-AO1 K-EH1 V-R-IY0 W-AH2 N-EH1-L S-IH1-Z-S T-AE1-N D-IH0 NG-IH0-N S-UW1 P-L-AY1-N Z-AH0-N-D TH-EH1-R D-R-AY1 V-IH0 NG-ER0 AW1-N D-AH0-N-D B-IY1 IH0 NG-AO1-L G-R-EY1-T G-AE1-T-S B-IY0


well, no doubt. i mean, it is one of the most classic stories.

W-EH1-L N-OW1 D-AW1 T-AY1 M-IY1 N-IH1 T-IH1 Z-W-AH1 N-AH1-V DH-AH0 M-OW1-S-T K-L-AE1 S-IH0-K-S T-AO1 R-IY0-Z


i've got a couple of variations on the theme here that i've written down in depth.

AY1-V G-AA1 T-AH0 K-AH1 P-AH0 L-AH1-V V-EH2 R-IY0 EY1 SH-AH0-N Z-AA1-N DH-AH0 TH-IY1-M HH-IY1-R DH-AE1 T-AY1 V-R-IH1 T-AH0-N D-AW1 N-IH0-N D-EH1-P-TH


invasion of the body snatchers. prince john and the sheriff or pod people. and no one believes robyn except the merry men.

IH0-N V-EY1 ZH-AH0 N-AH1-V DH-AH0 B-AA1 D-IY0 S-N-AE1 CH-ER0-Z P-R-IH1-N-S JH-AA1 N-AH0-N-D DH-AH0 SH-EH1 R-AH0 F-AO1-R P-AA1-D P-IY1 P-AH0 L-AH0-N D-N-OW1 W-AH1-N B-IH0 L-IY1-V Z-R-AA1 B-IH0 N-IH0-K S-EH1-P-T DH-AH0 M-EH1 R-IY0 M-EH1-N


i mean, yeah. when you have everyone else in on it and a small group that's kind of outside the conspiracy,

AY1 M-IY1 N-Y-AE1 W-EH1 N-Y-UW1 HH-AE1 V-EH1 V-R-IY0 W-AH2 N-EH1-L S-IH0 N-AA1 N-IH1 T-AH0-N D-AH0 S-M-AO1-L G-R-UW1-P TH-AE1-T-S K-AY1-N D-AH1 V-AW1-T S-AY1-D DH-AH0 K-AH0-N-S P-IH1 R-AH0 S-IY0


go as si-fi heavy, or as fantasy heavy, or as conspiracy heavy as you want with that.

G-OW1 AE1-Z S-IH1 F-IY0 HH-EH1 V-IY0 AO1 R-AE1-Z F-AE1-N T-AH0 S-IY0 HH-EH1 V-IY0 AO1 R-AE1-Z K-AH0-N-S P-IH1 R-AH0 S-IY0 HH-EH1 V-IY0 AE1 Z-Y-UW1 W-AA1-N T-W-IH1-DH DH-AE1-T


making robin hood a conspiracy game where they're not necessarily robbing from the rich -

M-EY1 K-IH0 NG-R-AA1 B-AH0-N HH-UH1 D-AH0 K-AH0-N-S P-IH1 R-AH0 S-IY0 G-EY1 M-W-EH1-R TH-EH1-R N-AA1 T-N-EH2 S-AH0 S-EH1 R-AH0 L-IY0 R-AA1 B-IH0-NG F-R-AH1-M DH-AH0 R-IH1-CH


no, that's a really neat idea.

N-OW1 TH-AE1-T S-AH0 R-IH1 L-IY0 N-IY1 T-AY0 D-IY1 AH0


conspiracy in replacement of money [crosstalk] - and essentially you've got -

K-AH0-N-S P-IH1 R-AH0 S-IY0 IH0 N-R-IH0 P-L-EY1 S-M-AH0-N T-AH1 V-M-AH1 N-IY0 K-R-AO1-S T-AO1 K-AH0-N D-IH0 S-EH1-N SH-AH0 L-IY0 Y-UW1-V G-AA1-T


[crosstalk] had listed down was the post-apocalyptic one. but see the post-apocalyptic

K-R-AO1-S T-AO1-K HH-AE1 D-L-IH1-S T-AH0-D D-AW1 N-W-AA1-Z DH-AH0 P-OW2-S T-AH0 P-AA1 T-AH0 K-AH0 L-W-AH1-N B-AH1-T S-IY1 DH-AH0 P-OW2-S T-AH0 P-AA1 T-AH0 K-AH0-L


is nice, because then you have to worry about money or conspiracy. then it could just be somebody has -

IH1 Z-N-AY1-S B-IH0 K-AO1-Z DH-EH1 N-Y-UW1 HH-AE1-V T-UW1 W-ER1 IY0 AH0 B-AW1 T-M-AH1 N-IY0 AO1-R K-AH0-N-S P-IH1 R-AH0 S-IY0 DH-EH1 N-IH1-T K-UH1-D JH-AH1-S-T B-IY1 S-AH1-M B-AA2 D-IY0 HH-AE1-Z


[crosstalk 00:09:00]. i've been watching a ton of mad max recently. oh my god. that is exactly what this is. all of them. all three of the post-apocalyptic mad max's, because the first one doesn't quite fit in as well.

K-R-AO1-S T-AO1-K Z-IH1 R-OW0 AW1 ER0 Z-N-AY1-N M-IH1 N-AH0-T S-AH0-N-D Z-IH1 R-OW0 S-EH1 K-AH0-N-D Z-AY1-V B-IH1 N-W-AA1 CH-IH0 NG-AH0 T-AH1 N-AH1 V-M-AE1 D-M-AE1-K S-R-IY1 S-AH0-N T-L-IY0 OW1 M-AY1 G-AA1-D DH-AE1 T-IH1 Z-IH0-G Z-AE1-K T-L-IY0 W-AH1-T DH-IH1 S-IH1 Z-AO1 L-AH1-V DH-EH1 M-AO1-L TH-R-IY1 AH1-V DH-AH0 P-OW2-S T-AH0 P-AA1 T-AH0 K-AH0-L M-AE1 D-M-AE1-K-S B-IH0 K-AO1-Z DH-AH0 F-ER1-S T-W-AH1-N D-OW1 S-AH0-N-T K-W-AY1-T F-IH1 T-IH0 N-AE1 Z-W-EH1-L


anytime there's a limited resource that someone is using to hold someone else back, you can have a robin hood story.

EH1 N-IY0 T-AY2-M DH-EH1-R Z-AH0 L-IH1 M-AH0 T-AH0 D-R-IY1 S-AO0-R-S DH-AE1-T S-AH1 M-W-AH2 N-IH1 Z-Y-UW1 Z-IH0-NG T-UW1 HH-OW1-L-D S-AH1 M-W-AH2 N-EH1-L-S B-AE1 K-Y-UW1 K-AE1-N HH-AE1 V-AH0 R-AA1 B-AH0-N HH-UH1-D-S T-AO1 R-IY0


right. and i think that really gets to the heart of what we were trying to say. robin hood is something you could game. it's something you can game easily. it's something you can drop into a game. it's something you can make a whole game.

R-AY1 T-AH0-N D-AY1 TH-IH1-NG-K DH-AE1 T-R-IH1 L-IY0 G-EH1-T-S T-UW1 DH-AH0 HH-AA1-R T-AH1 V-W-AH1 T-W-IY1 W-ER0 T-R-AY1 IH0-NG T-UW1 S-EY1 R-AA1 B-AH0-N HH-UH1 D-IH1-Z S-AH1-M TH-IH0 NG-Y-UW1 K-UH1-D G-EY1 M-IH1-T-S S-AH1-M TH-IH0 NG-Y-UW1 K-AE1-N G-EY1 M-IY1 Z-AH0 L-IY0 IH1-T-S S-AH1-M TH-IH0 NG-Y-UW1 K-AE1-N D-R-AA1 P-IH0-N T-UW1 AH0 G-EY1 M-IH1-T-S S-AH1-M TH-IH0 NG-Y-UW1 K-AE1-N M-EY1 K-AH0 HH-OW1-L G-EY1-M


i think that really covers the topic for today. anybody else? final thoughts?

AY1 TH-IH1-NG-K DH-AE1 T-R-IH1 L-IY0 K-AH1 V-ER0-Z DH-AH0 T-AA1 P-IH0-K F-AO1-R T-AH0 D-EY1 EH1 N-IY0 B-AH0 D-IY0 EH1-L-S F-AY1 N-AH0-L TH-AO1-T-S


no. i've used the robin hood themes before in games and they do work.

N-OW1 AY1 V-Y-UW1-S-T DH-AH0 R-AA1 B-AH0-N HH-UH1-D TH-IY1-M-Z B-IH0 F-AO1 R-IH0-N G-EY1-M Z-AH0-N-D DH-EY1 D-UW1 W-ER1-K


with that, i'm dustin saying good day and good gaming.

W-IH1-DH DH-AE1 T-IH1-M D-AH1-S T-IH0-N S-EY1 IH0-NG G-UH1-D D-EY1 AH0-N-D G-UH1-D G-EY1 M-IH0-NG


i'm [inaudible] saying good day. good gaming. and power to the people.

IH1 M-IH0 N-AO1 D-AH0 B-AH0-L S-EY1 IH0-NG G-UH1-D D-EY1 G-UH1-D G-EY1 M-IH0 NG-AH0-N-D P-AW1 ER0 T-UW1 DH-AH0 P-IY1 P-AH0-L


the [inaudible] can be followed on twitter at screen name eight-one-six,

DH-AH0 IH0 N-AO1 D-AH0 B-AH0-L K-AE1-N B-IY1 F-AA1 L-OW0 D-AA1-N T-W-IH1 T-ER0 AE1-T-S K-R-IY1-N N-EY1 M-AY1 T-AH0-N S-EH2-K-S


and we can be voice mailed on skype at ud816.

AH0-N D-W-IY1 K-AE1-N B-IY1 V-OY1 S-M-EY1-L D-AA1-N-S K-AY1 P-AE1 T-AH1 D-EY1-T HH-AH1-N D-R-AH0 D-AH0-N-D S-IH0-K-S T-IY1-N


the music in this podcast is a song under discussion intro, copyright 2013, damon doherty and used with permission.

DH-AH0 M-Y-UW1 Z-IH0 K-IH0-N DH-IH1-S P-OW1-D K-AE2-S T-IH1 Z-AH0 S-AO1 NG-AH1-N D-ER0 D-IH0-S K-AH1 SH-AH0 N-IH1-N T-R-OW0 K-AA1 P-IY0 R-AY2-T T-W-EH1-N T-IY0 TH-ER1 T-IY1-N D-EY1 M-AH0-N D-OW1 ER0 T-IY0 AH0-N D-Y-UW1-Z D-W-IH1-DH P-ER0 M-IH1 SH-AH0-N


speaker 1: under discussion, the [undergofor] podcast is released under a creative commons attribution sharealike 3.0 unported license

S-P-IY1 K-ER0 W-AH1 N-AH1-N D-ER0 D-IH0-S K-AH1 SH-AH0-N DH-AH0 AH1-N D-ER0 G-AO2-R-F P-OW1-D K-AE2-S T-IH1 Z-R-IY0 L-IY1-S T-AH1-N D-ER0 AH0 K-R-IY0 EY1 T-IH0-V K-AA1 M-AH0-N Z-AE2 T-R-IH0 B-Y-UW1 SH-AH0-N SH-ER0 IY1 L-IH0-K TH-R-IY1 P-OY1-N T-OW1 AH0-N P-AO1-R T-IH0 D-L-AY1 S-AH0-N-S


and the latest episode could always be found at undergofor.com

AH0-N-D DH-AH0 L-EY1 T-AH0-S T-EH1 P-AH0 S-OW2-D K-UH1 D-AO1 L-W-EY2-Z B-IY1 F-AW1-N D-AE1 T-AH2-N D-ER0 G-AA1 F-R-AH0-M


yes it is, hopefully.

Y-EH1 S-IH1 T-IH1-Z HH-OW1-P F-AH0 L-IY0


i guess you'd like both sides of the microphone, i like both sides of the microphone so i'm sure you do too.

AY1 G-EH1 S-Y-AH1 D-L-AY1-K B-OW1-TH S-AY1-D Z-AH1-V DH-AH0 M-AY1 K-R-AH0 F-OW2 N-AY1 L-AY1-K B-OW1-TH S-AY1-D Z-AH1-V DH-AH0 M-AY1 K-R-AH0 F-OW2-N S-OW1 IH1-M SH-UH1 R-Y-UW1 D-UW1 T-UW1


look, i'm happy to talk to anyone who wants to listen.

L-UH1 K-IH1-M HH-AE1 P-IY0 T-UW1 T-AO1-K T-UW1 EH1 N-IY0 W-AH2-N HH-UW1 W-AA1-N-T-S T-UW1 L-IH1 S-AH0-N


my audience is certainly entrepreneurs, they're predominantly online entrepreneurs, but am i correct that you've spent most of your entrepreneurial career in offline businesses?

M-AY1 AA1 D-IY0 AH0-N S-IH1-Z S-ER1 T-AH0 N-L-IY0 AA2-N T-R-AH0 P-R-AH0 N-ER1-Z TH-EH1-R P-R-IH0 D-AA1 M-AH0 N-AH0-N T-L-IY0 AO1 N-L-AY2 N-AA2-N T-R-AH0 P-R-AH0 N-ER1-Z B-AH1 T-AE1 M-AY1 K-ER0 EH1-K-T DH-AE1 T-Y-UW1-V-S P-EH1-N T-M-OW1-S T-AH1 V-Y-AO1 R-AA2-N T-R-AH0 P-R-AH0 N-ER1 IY0 AH0-L K-ER0 IH1 R-IH0 N-AO1 F-L-AY2-N B-IH1 Z-N-AH0 S-AH0-Z


i have spent most of my time building online businesses.

AY1 HH-AE1-V-S P-EH1-N T-M-OW1-S T-AH1 V-M-AY1 T-AY1-M B-IH1-L D-IH0 NG-AO1 N-L-AY2-N B-IH1 Z-N-AH0 S-AH0-Z


okay. so if you would give me a highlight reel, what's people most know you for?

OW2 K-EY1 S-OW1 IH1 F-Y-UW1 W-UH1-D G-IH1 V-M-IY1 AH0 HH-AY1 L-AY2 T-R-IY1 L-W-AH0-T-S P-IY1 P-AH0-L M-OW1-S T-N-OW1 Y-UW1 F-AO1-R


i would say that particularly in the financial services industry, i'm most known for having

AY1 W-UH1-D S-EY1 DH-AE1-T P-AA2-R T-IH1 K-Y-AH0 L-ER0 L-IY0 IH0-N DH-AH0 F-AH0 N-AE1-N SH-AH0-L S-ER1 V-AH0 S-AH0 Z-IH1-N D-AH0-S T-R-IY0 IH1-M M-OW1-S T-N-OW1-N F-AO1-R HH-AE1 V-IH0-NG


co founded and run a very successful online non-bank lending business called state custodians.

K-OW1 F-AW1-N D-AH0 D-AH0-N D-R-AH1 N-AH0 V-EH1 R-IY0 S-AH0-K S-EH1-S F-AH0 L-AO1 N-L-AY2-N N-AA1-N B-AE1-NG K-L-EH1-N D-IH0-NG B-IH1 Z-N-AH0-S K-AO1-L-D-S T-EY1-T K-AH0-S T-OW1 D-IY0 AH0-N-Z


and i ran that business for about seven years, and prior to that i was in the financial services industry

AH0-N D-AY1 R-AE1-N DH-AE1-T B-IH1 Z-N-AH0-S F-AO1 R-AH0 B-AW1-T S-EH1 V-AH0 N-Y-IH1-R Z-AH0-N-D P-R-AY1 ER0 T-UW1 DH-AE1 T-AY1 W-AA1 Z-IH0-N DH-AH0 F-AH0 N-AE1-N SH-AH0-L S-ER1 V-AH0 S-AH0 Z-IH1-N D-AH0-S T-R-IY0


and i ran a couple of different businesses, a home loan business, and also a deposit bond business. but it would certainly be state custodians that i was well recognized for, primarily,

AH0-N D-AY1 R-AE1 N-AH0 K-AH1 P-AH0 L-AH1-V D-IH1 F-ER0 AH0-N-T B-IH1 Z-N-AH0 S-AH0 Z-AH0 HH-OW1 M-L-OW1-N B-IH1 Z-N-AH0 S-AH0-N D-AO1-L S-OW0 AH0 D-AH0 P-AA1 Z-IH0-T B-AA1-N-D B-IH1 Z-N-AH0-S B-AH1 T-IH1 T-W-UH1-D S-ER1 T-AH0 N-L-IY0 B-IY1-S T-EY1-T K-AH0-S T-OW1 D-IY0 AH0-N-Z DH-AE1 T-AY1 W-AA1 Z-W-EH1-L R-EH1 K-AH0 G-N-AY2-Z-D F-AO1-R P-R-AY0 M-EH1 R-AH0 L-IY0


i think because of the success that state custodians had as a real challenger brand to the major banks.

AY1 TH-IH1-NG-K B-IH0 K-AO1 Z-AH1-V DH-AH0 S-AH0-K S-EH1-S DH-AE1-T-S T-EY1-T K-AH0-S T-OW1 D-IY0 AH0-N-Z HH-AE1 D-AE1 Z-AH0 R-IY1-L CH-AE1 L-AH0-N JH-ER0 B-R-AE1-N-D T-UW1 DH-AH0 M-EY1 JH-ER0 B-AE1-NG-K-S


right, and i'd really love to hear how that company got started. before we do that, i always go back in time with my interview. so if we briefly

R-AY1 T-AH0-N D-IH1 D-R-IH1 L-IY0 L-AH1-V T-UW1 HH-IY1-R HH-AW1 DH-AE1-T K-AH1-M P-AH0 N-IY0 G-AA1-T-S T-AA1-R T-AH0-D B-IH0 F-AO1 R-W-IY1 D-UW1 DH-AE1 T-AY1 AO1 L-W-EY2-Z G-OW1 B-AE1 K-IH0-N T-AY1 M-W-IH1 DH-M-AY1 IH1-N T-ER0 V-Y-UW2 S-OW1 IH1 F-W-IY1 B-R-IY1 F-L-IY0


take a trip down memory lane, and is there any sort of signs in your even preteen era if we go that far back, did you have

T-EY1 K-AH0 T-R-IH1-P D-AW1-N M-EH1 M-ER0 IY0 L-EY1 N-AH0-N D-IH1-Z DH-EH1 R-EH1 N-IY0 S-AO1-R T-AH1-V S-AY1-N Z-IH0 N-Y-AO1 R-IY1 V-IH0-N P-R-IY2 T-IY1 N-EH1 R-AH0 IH1 F-W-IY1 G-OW1 DH-AE1-T F-AA1-R B-AE1-K D-IH1 D-Y-UW1 HH-AE1-V


lemonade stand or did you... a lot of people sold baseball cards or something at the local markets, was there anything entrepreneurial in your background?

L-EH1 M-AH0 N-EY1-D-S T-AE1-N D-AO1-R D-IH1 D-Y-UW1 AH0 L-AA1 T-AH1-V P-IY1 P-AH0-L S-OW1-L-D B-EY1-S B-AO1-L K-AA1-R-D Z-AO1-R S-AH1-M TH-IH0 NG-AE1-T DH-AH0 L-OW1 K-AH0-L M-AA1-R K-AH0-T S-W-AA1-Z DH-EH1 R-EH1 N-IY0 TH-IH2 NG-AA2-N T-R-AH0 P-R-AH0 N-ER1 IY0 AH0 L-IH0 N-Y-AO1-R B-AE1-K G-R-AW2-N-D


i think the dna was that my grandfather was a solicitor, ran his own business, my father was a solicitor,

AY1 TH-IH1-NG-K DH-AH0 D-IY1 EH2 N-EY1 W-AA1-Z DH-AE1 T-M-AY1 G-R-AE1-N-D F-AA2 DH-ER0 W-AA1 Z-AH0 S-AH0 L-IH1 S-AH0 T-ER0 R-AE1-N HH-IH1 Z-OW1-N B-IH1 Z-N-AH0 S-M-AY1 F-AA1 DH-ER0 W-AA1 Z-AH0 S-AH0 L-IH1 S-AH0 T-ER0


ran his own business, i worked as a solicitor thinking i was going to run my own business but i just didn't want to be a lawyer.

R-AE1-N HH-IH1 Z-OW1-N B-IH1 Z-N-AH0 S-AY1 W-ER1-K T-AE1 Z-AH0 S-AH0 L-IH1 S-AH0 T-ER0 TH-IH1-NG K-IH0 NG-AY1 W-AA1-Z G-OW1 IH0-NG T-UW1 R-AH1-N M-AY1 OW1-N B-IH1 Z-N-AH0-S B-AH1 T-AY1 JH-AH1-S-T D-IH1 D-AH0-N T-W-AA1-N-T T-UW1 B-IY1 AH0 L-AO1 Y-ER0


so very early on, even as a teenager, i would help my father do the books and it was a very old system where we would do the

S-OW1 V-EH1 R-IY0 ER1 L-IY0 AA1 N-IY1 V-IH0 N-AE1 Z-AH0 T-IY1 N-EY2 JH-ER0 AY1 W-UH1-D HH-EH1-L P-M-AY1 F-AA1 DH-ER0 D-UW1 DH-AH0 B-UH1-K S-AH0-N D-IH1 T-W-AA1 Z-AH0 V-EH1 R-IY0 OW1-L-D S-IH1-S T-AH0 M-W-EH1 R-W-IY1 W-UH1-D D-UW1 DH-AH0


kalamazoo where you had the cash sheet and the ledger and the check, and that really formed the basis of my interest in business

K-AE2 L-AH0 M-AH0 Z-UW1 W-EH1 R-Y-UW1 HH-AE1-D DH-AH0 K-AE1-SH SH-IY1 T-AH0-N-D DH-AH0 L-EH1 JH-ER0 AH0-N-D DH-AH0 CH-EH1 K-AH0-N-D DH-AE1 T-R-IH1 L-IY0 F-AO1-R-M-D DH-AH0 B-EY1 S-AH0 S-AH1 V-M-AY1 IH1-N T-R-AH0-S T-IH0-N B-IH1 Z-N-AH0-S


and running a smart business as well so that you made money at the end of the day.

AH0-N D-R-AH1 N-IH0 NG-AH0 S-M-AA1-R-T B-IH1 Z-N-AH0 S-AE1 Z-W-EH1-L S-OW1 DH-AE1 T-Y-UW1 M-EY1 D-M-AH1 N-IY0 AE1-T DH-AH0 EH1-N D-AH1-V DH-AH0 D-EY1


okay. so did you, no, obviously you had a university life then, so were you thinking career path for most

OW2 K-EY1 S-OW1 D-IH1 D-Y-UW1 N-OW1 AA1-B V-IY0 AH0 S-L-IY0 Y-UW1 HH-AE1 D-AH0 Y-UW2 N-AH0 V-ER1 S-AH0 T-IY0 L-AY1-F DH-EH1-N S-OW1 W-ER0 Y-UW1 TH-IH1-NG K-IH0-NG K-ER0 IH1-R P-AE1-TH F-AO1-R M-OW1-S-T


of the time? i always find it interesting people who see their family members doing something but they also say they don't like

AH1-V DH-AH0 T-AY1 M-AY1 AO1 L-W-EY2-Z F-AY1-N D-IH1 T-IH1-N T-R-AH0-S T-IH0-NG P-IY1 P-AH0-L HH-UW1 S-IY1 DH-EH1-R F-AE1 M-AH0 L-IY0 M-EH1-M B-ER0-Z D-UW1 IH0-NG S-AH1-M TH-IH0-NG B-AH1-T DH-EY1 AO1-L S-OW0 S-EY1 DH-EY1 D-AA1-N T-L-AY1-K


certain aspects of it, how to rejig their ideas about what their career is going to be about. did you have to sort of

S-ER1 T-AH0 N-AE1-S P-EH2-K-T S-AH1 V-IH1-T HH-AW1 T-UW1 R-IY1 JH-IH0 DH-EH1 R-AY0 D-IY1 AH0 Z-AH0 B-AW1 T-W-AH1-T DH-EH1-R K-ER0 IH1 R-IH1-Z G-OW1 IH0-NG T-UW1 B-IY1 AH0 B-AW1-T D-IH1 D-Y-UW1 HH-AE1-V T-UW1 S-AO1-R T-AH1-V


go against the grain of what your family had showed you was how to build a career?

G-OW1 AH0 G-EH1-N-S-T DH-AH0 G-R-EY1 N-AH1 V-W-AH1 T-Y-AO1-R F-AE1 M-AH0 L-IY0 HH-AE1-D SH-OW1 D-Y-UW1 W-AA1-Z HH-AW1 T-UW1 B-IH1-L D-AH0 K-ER0 IH1-R


no, well, i do tend to believe a lot year out in the universe opening doors.

N-OW1 W-EH1 L-AY1 D-UW1 T-EH1-N-D T-UW1 B-IH0 L-IY1 V-AH0 L-AA1 T-Y-IH1 R-AW1 T-IH0-N DH-AH0 Y-UW1 N-AH0 V-ER2 S-OW1 P-AH0 N-IH0-NG D-AO1-R-Z


and i didn't listen to the universe for a long time, and that's where i suppose i started off thinking law was a good idea.

AH0-N D-AY1 D-IH1 D-AH0-N T-L-IH1 S-AH0-N T-UW1 DH-AH0 Y-UW1 N-AH0 V-ER2-S F-AO1 R-AH0 L-AO1-NG T-AY1 M-AH0-N-D TH-AE1-T S-W-EH1 R-AY1 S-AH0 P-OW1 Z-AY1-S T-AA1-R T-AH0 D-AO1-F TH-IH1-NG K-IH0 NG-L-AO1 W-AA1 Z-AH0 G-UH1 D-AY0 D-IY1 AH0


i did a science degree and a law degree, and i thought, well, that's a smart decision, it wasn't anything necessarily i did with my heart.

AY1 D-IH1 D-AH0 S-AY1 AH0-N-S D-IH0 G-R-IY1 AH0-N D-AH0 L-AO1 D-IH0 G-R-IY1 AH0-N D-AY1 TH-AO1 T-W-EH1-L TH-AE1-T S-AH0 S-M-AA1-R-T D-IH0 S-IH1 ZH-AH0 N-IH1 T-W-AO1-S T-EH1 N-IY0 TH-IH2-NG N-EH2 S-AH0 S-EH1 R-AH0 L-IY0 AY1 D-IH1 D-W-IH1 DH-M-AY1 HH-AA1-R-T


and then from there, i actually did multiple things before i worked out that i needed to be a business woman. so i worked in

AH0-N-D DH-EH1-N F-R-AH1-M DH-EH1 R-AY1 AE1-K CH-AH0 W-AH0 L-IY0 D-IH1 D-M-AH1-L T-AH0 P-AH0-L TH-IH1-NG-Z B-IH0 F-AO1 R-AY1 W-ER1-K T-AW1-T DH-AE1 T-AY1 N-IY1 D-AH0-D T-UW1 B-IY1 AH0 B-IH1 Z-N-AH0 S-W-UH1 M-AH0-N S-OW1 AY1 W-ER1-K T-IH0-N


pharmaceutical sales, i then worked as a recruitment in hr, working in a law firm doing the human resources function.

F-AA2-R M-AH0 S-UW1 T-IH0 K-AH0-L S-EY1-L Z-AY1 DH-EH1 N-W-ER1-K T-AE1 Z-AH0 R-AH0 K-R-UW1 T-M-AH0-N T-IH0-N HH-ER1 W-ER1 K-IH0 NG-IH0 N-AH0 L-AO1 F-ER1-M D-UW1 IH0-NG DH-AH0 HH-Y-UW1 M-AH0 N-R-IY1 S-AO0-R S-IH0-Z F-AH1-NG-K SH-AH0-N


so it really wasn't until i got into business that i actually felt that that was where i was meant to be. and it was the first time i didn't

S-OW1 IH1 T-R-IH1 L-IY0 W-AO1-S T-AH0-N T-IH1 L-AY1 G-AA1 T-IH0-N T-UW1 B-IH1 Z-N-AH0-S DH-AE1 T-AY1 AE1-K CH-AH0 W-AH0 L-IY0 F-EH1-L-T DH-AE1-T DH-AE1 T-W-AA1 Z-W-EH1 R-AY1 W-AA1 Z-M-EH1-N-T T-UW1 B-IY1 AH0-N D-IH1 T-W-AA1-Z DH-AH0 F-ER1-S-T T-AY1 M-AY1 D-IH1 D-AH0-N-T


keep jumping ship, it was the first time i could stay put for a while. so i do believe that opportunity knocks, but

K-IY1-P JH-AH1-M P-IH0-NG SH-IH1 P-IH1 T-W-AA1-Z DH-AH0 F-ER1-S-T T-AY1 M-AY1 K-UH1-D-S T-EY1 P-UH1-T F-AO1 R-AH0 W-AY1-L S-OW1 AY1 D-UW1 B-IH0 L-IY1-V DH-AE1 T-AA2 P-ER0 T-UW1 N-AH0 T-IY0 N-AA1-K-S B-AH1-T


i guess for me now, part of my guiding rule to myself is to follow my heart and i do

AY1 G-EH1-S F-AO1-R M-IY1 N-AW1 P-AA1-R T-AH1 V-M-AY1 G-AY1 D-IH0 NG-R-UW1-L T-UW1 M-AY2 S-EH1-L F-IH1-Z T-UW1 F-AA1 L-OW0 M-AY1 HH-AA1-R T-AH0-N D-AY1 D-UW1


believe that's where success will come from is if you're doing what you're passionate about doing.

B-IH0 L-IY1-V TH-AE1-T S-W-EH1-R S-AH0-K S-EH1 S-W-IH1-L K-AH1-M F-R-AH1 M-IH1 Z-IH1 F-Y-UH1-R D-UW1 IH0 NG-W-AH1 T-Y-UH1-R P-AE1 SH-AH0 N-AH0 T-AH0 B-AW1-T D-UW1 IH0-NG


okay. so, excuse me, what was the business project that you first started that you actually stuck with?

OW2 K-EY1 S-OW1 IH0-K-S K-Y-UW1 S-M-IY1 W-AH1 T-W-AA1-Z DH-AH0 B-IH1 Z-N-AH0-S P-R-AA1 JH-EH0-K-T DH-AE1 T-Y-UW1 F-ER1-S-T-S T-AA1-R T-AH0-D DH-AE1 T-Y-UW1 AE1-K CH-AH0 W-AH0 L-IY0-S T-AH1 K-W-IH1-DH


well, getting into financial services. and my business partner and i saw an opportunity to

W-EH1-L G-EH1 T-IH0 NG-IH0-N T-UW1 F-AH0 N-AE1-N SH-AH0-L S-ER1 V-AH0 S-AH0 Z-AH0-N D-M-AY1 B-IH1 Z-N-AH0-S P-AA1-R T-N-ER0 AH0-N D-AY1 S-AO1 AE1 N-AA2 P-ER0 T-UW1 N-AH0 T-IY0 T-UW1


link in with one of the large mortgage insurers, it was ge at the time, to underwrite deposit bonds and be the underwriter. and these were

L-IH1-NG K-IH0 N-W-IH1 DH-W-AH1 N-AH1-V DH-AH0 L-AA1-R JH-M-AO1-R G-AH0 JH-IH0-N SH-UH1 R-ER0 Z-IH1 T-W-AA1-Z JH-IY1 AE1-T DH-AH0 T-AY1-M T-UW1 AH1-N D-ER0 R-AY2-T D-AH0 P-AA1 Z-IH0-T B-AA1-N-D Z-AH0-N-D B-IY1 DH-AH0 AH1-N D-ER0 R-AY2 T-ER0 AH0-N-D DH-IY1 Z-W-ER0


for people who were purchasing property and they didn't want to put up a 10% cash deposit, particularly for a long term off the plan purchase,

F-AO1-R P-IY1 P-AH0-L HH-UW1 W-ER0 P-ER1 CH-AH0 S-IH0-NG P-R-AA1 P-ER0 T-IY0 AH0-N-D DH-EY1 D-IH1 D-AH0-N T-W-AA1-N-T T-UW1 P-UH1 T-AH1 P-AH0 T-EH1-N P-ER0 S-EH1-N-T K-AE1-SH D-AH0 P-AA1 Z-IH0-T P-AA2-R T-IH1 K-Y-AH0 L-ER0 L-IY0 F-AO1 R-AH0 L-AO1-NG T-ER1 M-AO1-F DH-AH0 P-L-AE1-N P-ER1 CH-AH0-S


there was a surety product called deposit bonds. and through our relationships, we were able to negotiate to get the pen, the license to underwrite bonds on behalf

DH-EH1 R-W-AA1 Z-AH0 SH-UH1 R-AH0 T-IY0 P-R-AA1 D-AH0-K-T K-AO1-L-D D-AH0 P-AA1 Z-IH0-T B-AA1-N-D Z-AH0-N-D TH-R-UW1 AW1 ER0 R-IY0 L-EY1 SH-AH0-N SH-IH2-P S-W-IY1 W-ER0 EY1 B-AH0-L T-UW1 N-AH0 G-OW1 SH-IY0 EY2-T T-UW1 G-EH1-T DH-AH0 P-EH1-N DH-AH0 L-AY1 S-AH0-N-S T-UW1 AH1-N D-ER0 R-AY2-T B-AA1-N-D Z-AA1-N B-IH0 HH-AE1-F


of ge, and the market always changes year out and nothing is certain and sure enough, ge pulled out of that market.

AH1-V JH-IY1 AH0-N-D DH-AH0 M-AA1-R K-AH0 T-AO1 L-W-EY2-Z CH-EY1-N JH-AH0 Z-Y-IH1 R-AW1 T-AH0-N D-N-AH1 TH-IH0 NG-IH1-Z S-ER1 T-AH0 N-AH0-N-D SH-UH1 R-IH0 N-AH1-F JH-IY1 P-UH1-L D-AW1 T-AH1-V DH-AE1 T-M-AA1-R K-AH0-T


but happily, we then spun on a dime and found another underwriter which was pba and we established xo

B-AH1-T HH-AE1 P-AH0 L-IY0 W-IY1 DH-EH1-N-S P-AH1 N-AA1 N-AH0 D-AY1 M-AH0-N-D F-AW1-N D-AH0 N-AH1 DH-ER0 AH1-N D-ER0 R-AY2 T-ER0 W-IH1 CH-W-AA1-Z B-AA1 AH0-N D-W-IY1 IH0-S T-AE1 B-L-IH0-SH-T Z-OW1


deposit bonds as the sole victorian agency for qbe deposit bonds, and that was a very successful business. and it was really seeing where opportunity

D-AH0 P-AA1 Z-IH0-T B-AA1-N-D Z-AE1-Z DH-AH0 S-OW1-L V-IH0-K T-AO1 R-IY0 AH0 N-EY1 JH-AH0-N S-IY0 F-AO1-R B-IY1 D-AH0 P-AA1 Z-IH0-T B-AA1-N-D Z-AH0-N-D DH-AE1 T-W-AA1 Z-AH0 V-EH1 R-IY0 S-AH0-K S-EH1-S F-AH0-L B-IH1 Z-N-AH0 S-AH0-N D-IH1 T-W-AA1 Z-R-IH1 L-IY0 S-IY1 IH0 NG-W-EH1 R-AA2 P-ER0 T-UW1 N-AH0 T-IY0


would present itself so that all of these clients we had who were purchasing property off the plan,

W-UH1-D P-R-IY0 Z-EH1-N T-IH0-T S-EH1-L-F S-OW1 DH-AE1 T-AO1 L-AH1-V DH-IY1-Z K-L-AY1 AH0-N-T S-W-IY1 HH-AE1-D HH-UW1 W-ER0 P-ER1 CH-AH0 S-IH0-NG P-R-AA1 P-ER0 T-IY0 AO1-F DH-AH0 P-L-AE1-N


ultimately they needed to finance that purchase when it came time to settle, and they brought the opportunity to provide home loans and do lending.

AH1-L T-AH0 M-AH0 T-L-IY0 DH-EY1 N-IY1 D-AH0-D T-UW1 F-AH0 N-AE1-N-S DH-AE1-T P-ER1 CH-AH0 S-W-EH1 N-IH1-T K-EY1-M T-AY1-M T-UW1 S-EH1 T-AH0 L-AH0-N-D DH-EY1 B-R-AO1-T DH-AH0 AA2 P-ER0 T-UW1 N-AH0 T-IY0 T-UW1 P-R-AH0 V-AY1-D HH-OW1 M-L-OW1-N Z-AH0-N-D D-UW1 L-EH1-N D-IH0-NG


so, that's sort of where we started to move into lending and we started as a xo home loans which we offered

S-OW1 TH-AE1-T-S S-AO1-R T-AH1 V-W-EH1 R-W-IY1-S T-AA1-R T-AH0-D T-UW1 M-UW1 V-IH0-N T-UW1 L-EH1-N D-IH0 NG-AH0-N D-W-IY1-S T-AA1-R T-AH0 D-AE1 Z-AH0 Z-OW1 HH-OW1 M-L-OW1-N Z-W-IH1 CH-W-IY1 AO1 F-ER0-D


via mortgage brokers. and state custodians really came together when we wanted to build a business that wasn't based

V-AY1 AH0 M-AO1-R G-AH0-JH B-R-OW1 K-ER0 Z-AH0-N-D-S T-EY1-T K-AH0-S T-OW1 D-IY0 AH0-N Z-R-IH1 L-IY0 K-EY1-M T-AH0 G-EH1 DH-ER0 W-EH1 N-W-IY1 W-AA1-N T-AH0-D T-UW1 B-IH1-L D-AH0 B-IH1 Z-N-AH0-S DH-AE1 T-W-AO1-S-T B-EY1-S-T


on our personal relationships so that we could be mobile and we could actually move into state and relocate to a place that would-

AA1 N-AW1 ER0 P-ER1 S-IH0 N-IH0-L R-IY0 L-EY1 SH-AH0-N SH-IH2-P-S S-OW1 DH-AE1 T-W-IY1 K-UH1-D B-IY1 M-OW1 B-AH0 L-AH0-N D-W-IY1 K-UH1 D-AE1-K CH-AH0 W-AH0 L-IY0 M-UW1 V-IH0-N T-UW1-S T-EY1 T-AH0-N D-R-IY0 L-OW1 K-EY0-T T-UW1 AH0 P-L-EY1-S DH-AE1 T-W-UH1-D


i'm curious heidi, it's sounds like your background has almost nothing to do with this sort of financial services industry and you're talking

IH1-M K-Y-UH1 R-IY0 AH0-S HH-AY1 D-IY0 IH1-T-S S-AW1-N-D Z-L-AY1 K-Y-AO1-R B-AE1-K G-R-AW2-N-D HH-AE1 Z-AO1-L M-OW2-S T-N-AH1 TH-IH0-NG T-UW1 D-UW1 W-IH1-DH DH-IH1-S S-AO1-R T-AH1-V F-AH0 N-AE1-N SH-AH0-L S-ER1 V-AH0 S-AH0 Z-IH1-N D-AH0-S T-R-IY0 AH0-N D-Y-UH1-R T-AO1 K-IH0-NG


very much like you've got technical knowledge. obviously, now having come out the other end, you would have learned a lot, but back at the start,

V-EH1 R-IY0 M-AH1 CH-L-AY1 K-Y-UW1-V G-AA1-T T-EH1 K-N-IH0 K-AH0-L N-AA1 L-AH0 JH-AA1-B V-IY0 AH0 S-L-IY0 N-AW1 HH-AE1 V-IH0-NG K-AH1 M-AW1-T DH-AH0 AH1 DH-ER0 EH1-N D-Y-UW1 W-UH1-D HH-AE1 V-L-ER1 N-IH0 D-AH0 L-AA1-T B-AH1-T B-AE1 K-AE1-T DH-AH0-S T-AA1-R-T


you were, like you said, a solicitor and was it pharmacy your skill base, how does that turn into...

Y-UW1 W-ER0 L-AY1 K-Y-UW1 S-EH1 D-AH0 S-AH0 L-IH1 S-AH0 T-ER0 AH0-N D-W-AA1 Z-IH1-T F-AA1-R M-AH0 S-IY0 Y-AO1-R-S K-IH1-L B-EY1-S HH-AW1 D-AH1-Z DH-AE1-T T-ER1 N-IH0-N T-UW1


was it like some sort of, like you said, the universe opened a door? were you just thinking, "you know what, this sounds like fun, i'm going to jump on board this business." was that-

W-AA1 Z-IH1 T-L-AY1-K S-AH1-M S-AO1-R T-AH1 V-L-AY1 K-Y-UW1 S-EH1-D DH-AH0 Y-UW1 N-AH0 V-ER2 S-OW1 P-AH0-N D-AH0 D-AO1 R-W-ER0 Y-UW1 JH-AH1-S-T TH-IH1-NG K-IH0 NG-Y-UW1 N-OW1 W-AH1-T DH-IH1-S S-AW1-N-D Z-L-AY1-K F-AH1 N-IH1-M G-OW1 IH0-NG T-UW1 JH-AH1-M P-AA1-N B-AO1-R-D DH-IH1-S B-IH1 Z-N-AH0 S-W-AA1-Z DH-AE1-T


i think it's because having a co founder who had the experience in the financial services industry and

AY1 TH-IH1-NG K-IH1-T-S B-IH0 K-AO1-Z HH-AE1 V-IH0 NG-AH0 K-OW1 F-AW1-N D-ER0 HH-UW1 HH-AE1-D DH-AH0 IH0-K-S P-IH1 R-IY0 AH0-N S-IH0-N DH-AH0 F-AH0 N-AE1-N SH-AH0-L S-ER1 V-AH0 S-AH0 Z-IH1-N D-AH0-S T-R-IY0 AH0-N-D


what i could bring to it was all of the support other than the technical

W-AH1 T-AY1 K-UH1-D B-R-IH1-NG T-UW1 IH1 T-W-AA1 Z-AO1 L-AH1-V DH-AH0 S-AH0 P-AO1-R T-AH1 DH-ER0 DH-AE1-N DH-AH0 T-EH1 K-N-IH0 K-AH0-L


aspects of it. and even to this day, as i've always employed different staff members, i do believe that the technical skillset is

AE1-S P-EH2-K-T S-AH1 V-IH1 T-AH0-N D-IY1 V-IH0-N T-UW1 DH-IH1-S D-EY1 AE1 Z-AY1 V-AO1 L-W-EY2 Z-EH0-M P-L-OY1-D D-IH1 F-ER0 AH0-N-T-S T-AE1 F-M-EH1-M B-ER0 Z-AY1 D-UW1 B-IH0 L-IY1-V DH-AE1-T DH-AH0 T-EH1 K-N-IH0 K-AH0-L-S K-IH1-L-S T-IH1-Z


the easiest thing to recruit for and i've never recruited people based purely on having done the tasks

DH-AH0 IY1 Z-IY0 AH0-S-T TH-IH1-NG T-UW1 R-AH0 K-R-UW1-T F-AO1 R-AH0-N D-AY1 V-N-EH1 V-ER0 R-IH0 K-R-UW1 T-IH0-D P-IY1 P-AH0-L B-EY1-S-T P-Y-UH1-R L-IY0 AA1-N HH-AE1 V-IH0-NG D-AH1-N DH-AH0 T-AE1-S-K-S


in the past. i think you recruit for attitude and aptitude and intelligence and willingness to

IH0-N DH-AH0 P-AE1-S T-AY1 TH-IH1-NG K-Y-UW1 R-AH0 K-R-UW1-T F-AO1 R-AE1 T-AH0 T-UW2 D-AH0-N D-AE1-P T-AH0 T-UW2 D-AH0-N D-IH0-N T-EH1 L-AH0 JH-AH0-N S-AH0-N D-W-IH1 L-IH0-NG N-AH0-S T-UW1


roll up your sleeves and bunker in, and i think that's what i brought along to the partnership.

R-OW1 L-AH1 P-Y-AO1-R S-L-IY1-V Z-AH0-N-D B-AH1-NG K-ER0 IH0 N-AH0-N D-AY1 TH-IH1-NG-K TH-AE1-T S-W-AH1 T-AY1 B-R-AO1 T-AH0 L-AO1-NG T-UW1 DH-AH0 P-AA1-R T-N-ER0 SH-IH2-P


okay. so in terms of growing this company, you've got these agreements in place and you said you were getting clients and you said it was mostly from

OW2 K-EY1 S-OW1 IH0-N T-ER1-M Z-AH1-V G-R-OW1 IH0-NG DH-IH1-S K-AH1-M P-AH0 N-IY0 Y-UW1-V G-AA1-T DH-IY1 Z-AH0 G-R-IY1 M-AH0-N-T S-IH0-N P-L-EY1 S-AH0-N D-Y-UW1 S-EH1 D-Y-UW1 W-ER0 G-EH1 T-IH0-NG K-L-AY1 AH0-N-T S-AH0-N D-Y-UW1 S-EH1 D-IH1 T-W-AA1 Z-M-OW1-S T-L-IY0 F-R-AH1-M


relationships, so before you expanded, was it just you two on the ground or did you hire a team straight away from the beginning? how did the-

R-IY0 L-EY1 SH-AH0-N SH-IH2-P-S S-OW1 B-IH0 F-AO1 R-Y-UW1 IH0-K-S P-AE1-N D-AH0 D-W-AA1 Z-IH1-T JH-AH1-S T-Y-UW1 T-UW1 AA1-N DH-AH0 G-R-AW1-N D-AO1-R D-IH1 D-Y-UW1 HH-AY1 ER0 AH0 T-IY1-M-S T-R-EY1 T-AH0 W-EY1 F-R-AH1-M DH-AH0 B-IH0 G-IH1 N-IH0-NG HH-AW1 D-IH1-D DH-AH0


no, the company initially grew just through people we knew in property development and it was really my co founder, david and i,

N-OW1 DH-AH0 K-AH1-M P-AH0 N-IY0 IH0 N-IH1 SH-AH0 L-IY0 G-R-UW1 JH-AH1-S-T TH-R-UW1 P-IY1 P-AH0 L-W-IY1 N-UW1 IH0-N P-R-AA1 P-ER0 T-IY0 D-IH0 V-EH1 L-AH0 P-M-AH0-N T-AH0-N D-IH1 T-W-AA1 Z-R-IH1 L-IY0 M-AY1 K-OW1 F-AW1-N D-ER0 D-EY1 V-IH0 D-AH0-N D-AY1


it was about us hitting the pavement together and going out and feeling the dream and putting yourself out there and saying,

IH1 T-W-AA1 Z-AH0 B-AW1 T-AH1-S HH-IH1 T-IH0-NG DH-AH0 P-EY1 V-M-AH0-N-T T-AH0 G-EH1 DH-ER0 AH0-N-D G-OW1 IH0 NG-AW1 T-AH0-N-D F-IY1 L-IH0-NG DH-AH0 D-R-IY1 M-AH0-N-D P-AH1 T-IH0 NG-Y-ER0 S-EH1-L F-AW1-T DH-EH1 R-AH0-N-D S-EY1 IH0-NG


"listen, why don't we do business together?" and i had a career previously in pharmaceutical sales so i understood

L-IH1 S-AH0 N-W-AY1 D-AA1-N T-W-IY1 D-UW1 B-IH1 Z-N-AH0-S T-AH0 G-EH1 DH-ER0 AH0-N D-AY1 HH-AE1 D-AH0 K-ER0 IH1-R P-R-IY1 V-IY0 AH0 S-L-IY0 IH0-N F-AA2-R M-AH0 S-UW1 T-IH0 K-AH0-L S-EY1-L-Z S-OW1 AY1 AH2-N D-ER0-S T-UH1-D


about the need to close and ask for business, and my business partner, david, is exceptional sales person

AH0 B-AW1-T DH-AH0 N-IY1-D T-UW1 K-L-OW1 Z-AH0-N D-AE1-S-K F-AO1-R B-IH1 Z-N-AH0 S-AH0-N D-M-AY1 B-IH1 Z-N-AH0-S P-AA1-R T-N-ER0 D-EY1 V-IH0 D-IH1 Z-IH0-K S-EH1-P SH-AH0 N-AH0-L S-EY1-L-Z P-ER1 S-AH0-N


so that is what we did. we hit up our network and we found a couple of key players and key referral points and nurtured them.

S-OW1 DH-AE1 T-IH1 Z-W-AH1 T-W-IY1 D-IH1 D-W-IY1 HH-IH1 T-AH1 P-AW1 ER0 N-EH1 T-W-ER2 K-AH0-N D-W-IY1 F-AW1-N D-AH0 K-AH1 P-AH0 L-AH1-V K-IY1 P-L-EY1 ER0 Z-AH0-N-D K-IY1 R-IH0 F-ER1 AH0-L P-OY1-N-T S-AH0-N D-N-ER1 CH-ER0-D DH-EH1-M


okay. now, was there something that was a point of differentiation for what you were doing, because i'm assuming you were entering a crowded market space.

OW2 K-EY1 N-AW1 W-AA1-Z DH-EH1-R S-AH1-M TH-IH0-NG DH-AE1 T-W-AA1 Z-AH0 P-OY1-N T-AH1-V D-IH0 F-ER0 EH2-N SH-IY0 EY1 SH-AH0-N F-AO1 R-W-AH1 T-Y-UW1 W-ER0 D-UW1 IH0-NG B-IH0 K-AO1 Z-IH1 M-AH0 S-UW1 M-IH0 NG-Y-UW1 W-ER0 EH1-N T-ER0 IH0 NG-AH0 K-R-AW1 D-AH0 D-M-AA1-R K-AH0-T-S P-EY1-S


there was only seven agents for ge australia wide at the time, it was a booming market

DH-EH1 R-W-AA1 Z-OW1 N-L-IY0 S-EH1 V-AH0 N-EY1 JH-AH0-N-T-S F-AO1-R JH-IY1 AO0-S T-R-EY1 L-Y-AH0 W-AY1 D-AE1-T DH-AH0 T-AY1 M-IH1 T-W-AA1 Z-AH0 B-UW1 M-IH0-NG M-AA1-R K-AH0-T


so it was when the property market was really taking off and just going ballistic, and there was lots of

S-OW1 IH1 T-W-AA1 Z-W-EH1-N DH-AH0 P-R-AA1 P-ER0 T-IY0 M-AA1-R K-AH0 T-W-AA1 Z-R-IH1 L-IY0 T-EY1 K-IH0 NG-AO1 F-AH0-N-D JH-AH1-S-T G-OW1 IH0-NG B-AH0 L-IH1-S T-IH0 K-AH0-N-D DH-EH1 R-W-AA1 Z-L-AA1-T S-AH1-V


construction and lots of development, certainly where we were in melbourne at the time. so

K-AH0-N-S T-R-AH1-K SH-AH0 N-AH0-N D-L-AA1-T S-AH1-V D-IH0 V-EH1 L-AH0 P-M-AH0-N-T S-ER1 T-AH0 N-L-IY0 W-EH1 R-W-IY1 W-ER0 IH0-N M-EH1-L B-ER0 N-AE1-T DH-AH0 T-AY1-M S-OW1


it was a very good market to be in because there weren't many players, and it wasn't like home loans with deposit bonds,

IH1 T-W-AA1 Z-AH0 V-EH1 R-IY0 G-UH1 D-M-AA1-R K-AH0-T T-UW1 B-IY1 IH0-N B-IH0 K-AO1-Z DH-EH1 R-W-EH1 R-AH0-N T-M-EH1 N-IY0 P-L-EY1 ER0 Z-AH0-N D-IH1 T-W-AO1-S T-L-AY1-K HH-OW1 M-L-OW1-N Z-W-IH1-DH D-AH0 P-AA1 Z-IH0-T B-AA1-N-D-Z


it was very difficult to be able to get the pen from the underwriter and be able to issue bonds, and there was a very good margin in it.

IH1 T-W-AA1-Z V-EH1 R-IY0 D-IH1 F-AH0 K-AH0-L-T T-UW1 B-IY1 EY1 B-AH0-L T-UW1 G-EH1-T DH-AH0 P-EH1-N F-R-AH1-M DH-AH0 AH1-N D-ER0 R-AY2 T-ER0 AH0-N-D B-IY1 EY1 B-AH0-L T-UW1 IH1 SH-UW0 B-AA1-N-D Z-AH0-N-D DH-EH1 R-W-AA1 Z-AH0 V-EH1 R-IY0 G-UH1 D-M-AA1-R JH-AH0 N-IH0 N-IH1-T


okay. so i don't want to say it was easy, but it must have been somewhat nice to be

OW2 K-EY1 S-OW1 AY1 D-AA1-N T-W-AA1-N-T T-UW1 S-EY1 IH1 T-W-AA1 Z-IY1 Z-IY0 B-AH1 T-IH1 T-M-AH1-S-T HH-AE1-V B-IH1-N S-AH1 M-W-AH1 T-N-AY1-S T-UW1 B-IY1


trailing a blaze through a market where you could knock on doors and not have someone be saturated with

T-R-EY1 L-IH0 NG-AH0 B-L-EY1-Z TH-R-UW1 AH0 M-AA1-R K-AH0 T-W-EH1 R-Y-UW1 K-UH1 D-N-AA1 K-AA1-N D-AO1-R Z-AH0-N D-N-AA1-T HH-AE1-V S-AH1 M-W-AH2-N B-IY1 S-AE1 CH-ER0 EY2 T-AH0 D-W-IH1-DH


other people trying to sell them the same thing. that's a...

AH1 DH-ER0 P-IY1 P-AH0-L T-R-AY1 IH0-NG T-UW1 S-EH1-L DH-EH1-M DH-AH0 S-EY1-M TH-IH1-NG TH-AE1-T S-AH0


yes. so with the deposit bonds, people would make property purchases and they would...

Y-EH1-S S-OW1 W-IH1-DH DH-AH0 D-AH0 P-AA1 Z-IH0-T B-AA1-N-D-Z P-IY1 P-AH0 L-W-UH1 D-M-EY1-K P-R-AA1 P-ER0 T-IY0 P-ER1 CH-AH0 S-AH0 Z-AH0-N-D DH-EY1 W-UH1-D


24 months later, they come back to us and they say, "what do i do now with this deposit bond?

T-W-EH1-N T-IY0 F-AO1-R M-AH1-N-TH S-L-EY1 T-ER0 DH-EY1 K-AH1-M B-AE1-K T-UW1 AH1 S-AH0-N-D DH-EY1 S-EY1 W-AH1-T D-UW1 AY1 D-UW1 N-AW1 W-IH1-DH DH-IH1-S D-AH0 P-AA1 Z-IH0-T B-AA1-N-D


because i need to settle." so that's where we started getting into the home lending side of things. and my business partner, david, he had a

B-IH0 K-AO1 Z-AY1 N-IY1-D T-UW1 S-EH1 T-AH0-L S-OW1 TH-AE1-T S-W-EH1 R-W-IY1-S T-AA1-R T-AH0-D G-EH1 T-IH0 NG-IH0-N T-UW1 DH-AH0 HH-OW1 M-L-EH1-N D-IH0-NG S-AY1 D-AH1-V TH-IH1-NG Z-AH0-N D-M-AY1 B-IH1 Z-N-AH0-S P-AA1-R T-N-ER0 D-EY1 V-IH0-D HH-IY1 HH-AE1 D-AH0


mortgage manager at the time and that's the step into lending.

M-AO1-R G-AH0 JH-M-AE1 N-AH0 JH-ER0 AE1-T DH-AH0 T-AY1 M-AH0-N-D TH-AE1-T-S DH-AH0-S T-EH1 P-IH0-N T-UW1 L-EH1-N D-IH0-NG


okay. so what did you personally start doing at this stage? did you change roles from knocking on doors and selling to something else?

OW2 K-EY1 S-OW1 W-AH1-T D-IH1 D-Y-UW1 P-ER1 S-AH0 N-AH0 L-IY0-S T-AA1-R-T D-UW1 IH0 NG-AE1-T DH-IH1-S-S T-EY1-JH D-IH1 D-Y-UW1 CH-EY1-N JH-R-OW1-L-Z F-R-AH1-M N-AA1 K-IH0 NG-AA1-N D-AO1-R Z-AH0-N-D S-EH1 L-IH0-NG T-UW1 S-AH1-M TH-IH0 NG-EH1-L-S


look, i became the underwriter for a long period of time. so i got caught in the detail of underwriting the bonds, because

L-UH1 K-AY1 B-IH0 K-EY1-M DH-AH0 AH1-N D-ER0 R-AY2 T-ER0 F-AO1 R-AH0 L-AO1-NG P-IH1 R-IY0 AH0 D-AH1-V T-AY1-M S-OW1 AY1 G-AA1-T K-AA1 T-IH0-N DH-AH0 D-IH0 T-EY1 L-AH1 V-AH1-N D-ER0 R-AY1 T-IH0-NG DH-AH0 B-AA1-N-D-Z B-IH0 K-AO1-Z


... hire a tech firm to build a complete online platform for you, that's, i'm assuming, designed to bring clients who need loans.

HH-AY1 ER0 AH0 T-EH1-K F-ER1-M T-UW1 B-IH1-L D-AH0 K-AH0-M P-L-IY1 T-AO1 N-L-AY2-N P-L-AE1-T F-AO2-R-M F-AO1 R-Y-UW1 TH-AE1-T S-IH1 M-AH0 S-UW1 M-IH0-NG D-IH0 Z-AY1-N-D T-UW1 B-R-IH1-NG K-L-AY1 AH0-N-T-S HH-UW1 N-IY1 D-L-OW1-N-Z


it's actually just like your clients. we just built a website. and we told the story on our website and we got smart about how we got eyeballs.

IH1-T S-AE1-K CH-AH0 W-AH0 L-IY0 JH-AH1-S T-L-AY1 K-Y-AO1-R K-L-AY1 AH0-N-T S-W-IY1 JH-AH1-S-T B-IH1-L T-AH0 W-EH1-B S-AY2 T-AH0-N D-W-IY1 T-OW1-L-D DH-AH0-S T-AO1 R-IY0 AA1 N-AW1 ER0 W-EH1-B S-AY2 T-AH0-N D-W-IY1 G-AA1-T S-M-AA1-R T-AH0 B-AW1-T HH-AW1 W-IY1 G-AA1 T-AY1 B-AO2-L-Z


it was about understanding how to get eyeballs to our site. and then once we got eyeballs to our site, it was about how do we convert that business and

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have those conversations with people who want to engage with us so that they then want to fully convert into a loan application?

HH-AE1-V DH-OW1-Z K-AA2-N V-ER0 S-EY1 SH-AH0-N Z-W-IH1-DH P-IY1 P-AH0-L HH-UW1 W-AA1-N-T T-UW1 EH0-N G-EY1 JH-W-IH1 DH-AH1-S S-OW1 DH-AE1-T DH-EY1 DH-EH1 N-W-AA1-N-T T-UW1 F-UH1 L-IY0 K-AH0-N V-ER1 T-IH0-N T-UW1 AH0 L-OW1 N-AE2 P-L-AH0 K-EY1 SH-AH0-N


and rate city, canstar, home loan finder, help me choose, infochoice, this was early, around those early

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down loans, so that we could qualify for canstar five star ratings. and because we qualified for those ratings, and also because

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our price was so sharp, because we didn't have branches, we didn't disseminate our products through our mortgage brokers, we just simply offered them direct,

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these financial comparison sites would rank us. and it gave the perception, i think, to many people coming to those financial comparison sites,

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almost like a third party endorsement from those comparison sites.

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right. so you really leveraged that trend towards using comparison shop.

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that brought you a lot of your audience. is it fair to say that most of your initial online business came from that comparison sites?

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yes, absolutely. it did. and it continued that way for a very, very long time. and it served us well, that strategy.

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now, i'm curious for anyone who's listening into this, because comparison shopping is something that's becoming common in a lot of industries,

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or like you said, getting yourself the right kind of badge of credibility to make sure people choose you?

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i think it's important to establish relationships, and also consistency. a lot of these comparison sites really... ...

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comparison site, but it also, they could be relying on us to deliver consistency, which is what they wanted to be showing to their...

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they're very well known. so we were a challenger brand. and being this challenger, the underdog, if you like, we had to position ourselves that way.

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and i think it resonated with a lot of people. a really difficult time was during the gfc. when the gfc...

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[inaudible 00:03:18], all of that was difficult. there were players that were pulling out of the market. we had to get really lean and mean.

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i can still imagine it would have been challenging, it's always challenging to go up against such large companies. but can you take us forward, heidi, with a stake custodians, then, so you-

AY1 K-AE1-N-S T-IH1 L-IH0 M-AE1 JH-AH0 N-IH1 T-W-UH1-D HH-AE1-V B-IH1-N CH-AE1 L-AH0-N JH-IH0 NG-IH1-T S-AO1 L-W-EY2-Z CH-AE1 L-AH0-N JH-IH0-NG T-UW1 G-OW1 AH1 P-AH0 G-EH1-N-S-T S-AH1 CH-L-AA1-R-JH K-AH1-M P-AH0 N-IY0-Z B-AH1-T K-AE1 N-Y-UW1 T-EY1 K-AH1-S F-AO1 R-W-ER0-D HH-AY1 D-IY0 W-IH1 DH-AH0-S T-EY1-K K-AH0-S T-OW1 D-IY0 AH0-N-Z DH-EH1-N S-OW1 Y-UW1


... did, is we made sure we developed a broader content strategy. and this is where it is really important to... ...

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comparison sites because new competitors were coming into the market. so a big part of our play was to look for

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an investor so that we could expand beyond just being able to...

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when we sold the majority ownership in the business in 2011, what was appealing for that is, it allowed us to... ...

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google analytics and you saw where did people come from. they came from all over.

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okay. so you became a content marketing...

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... completely different clientele to me. i don't know, it's something about financial services, it just sounds so serious compared to helping people

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deal with acne or all the various types of people i talk to in blogging. but, at the end of the day, you're using the internet just as we are.

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... say on what your comment was, i think having the personality in the brand worked really well though, because yes, you'll rise

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up. and because everybody these days, as you know, is a publisher. and so you actually have to deliver an exception-

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so how do you control the customer experience and make it personable? is it a case of a training process for hires? or, i mean-

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sales team, like our frontline team talking to consumers, where regional, up near newcastle. and the advantage of that is

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that the price point that you could get seriously qualified impressive characters, who would

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be able to have fabulous conversations with people on the phone, it was attractive. and it

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certainly, rather than having a call center in the cbd, in one of the major centers in australia,

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being regional, we had lower costs. and at the same time, we didn't make our costs so low by going off shore. so

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people really had those significant interactions with our sales team, who were impressive characters. i mean, they might've been qualified financial

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planners and accountants. so it was, like i said before too, yaro, it was about recruiting people with the right attitude... ...

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who you are as a sales person, because you basically bring your own story into the conversation. but, i think at the end of the day, it was having people with the-

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... radio and television, and i really enjoyed that process. and i really did love being at an advocate

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for something i really believed in. and i suppose, given that when we sold the business, and part of the terms are...

F-AO1-R S-AH1-M TH-IH0 NG-AY1 R-IH1 L-IY0 B-IH0 L-IY1-V D-IH0 N-AH0-N D-AY1 S-AH0 P-OW1-Z G-IH1 V-AH0-N DH-AE1 T-W-EH1 N-W-IY1 S-OW1-L-D DH-AH0 B-IH1 Z-N-AH0 S-AH0-N-D P-AA1-R T-AH1-V DH-AH0 T-ER1-M Z-AA1-R


i had to think, yaro, what do i want to do? and as i said to you earlier, i do believe in following what you're passionate about.

AY1 HH-AE1-D T-UW1 TH-IH1-NG K-Y-EH1 R-OW0 W-AH1-T D-UW1 AY1 W-AA1-N-T T-UW1 D-UW1 AH0-N D-AE1 Z-AY1 S-EH1-D T-UW1 Y-UW1 ER1 L-IY0 ER0 AY1 D-UW1 B-IH0 L-IY1 V-IH0-N F-AA1 L-OW0 IH0 NG-W-AH1 T-Y-UH1-R P-AE1 SH-AH0 N-AH0 T-AH0 B-AW1-T


and i had to sit back and go, okay, well, i've been very passionate about state custodians. i've been very passionate about, making sure consumers have a better deal.

AH0-N D-AY1 HH-AE1-D T-UW1 S-IH1-T B-AE1 K-AH0-N-D G-OW1 OW2 K-EY1 W-EH1 L-AY1-V B-IH1-N V-EH1 R-IY0 P-AE1 SH-AH0 N-AH0 T-AH0 B-AW1-T-S T-EY1-T K-AH0-S T-OW1 D-IY0 AH0-N Z-AY1-V B-IH1-N V-EH1 R-IY0 P-AE1 SH-AH0 N-AH0 T-AH0 B-AW1 T-M-EY1 K-IH0-NG SH-UH1-R K-AH0-N S-UW1 M-ER0-Z HH-AE1 V-AH0 B-EH1 T-ER0 D-IY1-L


what can i do that really lights the fire within me? and the more i thought about it, the more it dawned on me, what i am really

W-AH1-T K-AE1 N-AY1 D-UW1 DH-AE1 T-R-IH1 L-IY0 L-AY1-T-S DH-AH0 F-AY1 ER0 W-IH0 DH-IH1-N M-IY1 AH0-N-D DH-AH0 M-AO1 R-AY1 TH-AO1 T-AH0 B-AW1 T-IH1-T DH-AH0 M-AO1 R-IH1-T D-AO1-N D-AA1-N M-IY1 W-AH1 T-AY1 AE1 M-R-IH1 L-IY0


passionate about is business. and it was about running a business. it was about seeing a business grow from nothing,

P-AE1 SH-AH0 N-AH0 T-AH0 B-AW1 T-IH1-Z B-IH1 Z-N-AH0 S-AH0-N D-IH1 T-W-AA1 Z-AH0 B-AW1 T-R-AH1 N-IH0 NG-AH0 B-IH1 Z-N-AH0 S-IH1 T-W-AA1 Z-AH0 B-AW1-T S-IY1 IH0 NG-AH0 B-IH1 Z-N-AH0-S G-R-OW1 F-R-AH1-M N-AH1 TH-IH0-NG


and about people who are doing disruptive business, i also love, people who are going outside of their comfort zone, outside of the box,

AH0-N D-AH0 B-AW1-T P-IY1 P-AH0-L HH-UW1 AA1-R D-UW1 IH0-NG D-IH0 S-R-AH1-P T-IH0-V B-IH1 Z-N-AH0 S-AY1 AO1-L S-OW0 L-AH1-V P-IY1 P-AH0-L HH-UW1 AA1-R G-OW1 IH0 NG-AW1-T S-AY1 D-AH1-V DH-EH1-R K-AH1-M F-ER0-T Z-OW1 N-AW1-T S-AY1 D-AH1-V DH-AH0 B-AA1-K-S


these sort of people. and hence my foray into radio and television, and i pitched...

DH-IY1-Z S-AO1-R T-AH1-V P-IY1 P-AH0 L-AH0-N-D HH-EH1-N S-M-AY1 F-AO1 R-EY0 IH0-N T-UW1 R-EY1 D-IY0 OW2 AH0-N-D T-EH1 L-AH0 V-IH2 ZH-AH0 N-AH0-N D-AY1 P-IH1-CH-T


and the same with doing the entrepreneur show on 2gb, i'd previously been doing the property show. i really enjoyed it.

AH0-N-D DH-AH0 S-EY1 M-W-IH1-DH D-UW1 IH0-NG DH-AH0 AA2-N T-R-AH0 P-R-AH0 N-ER1 SH-OW1 AA1-N T-UW1 G-IH1 G-AH0 B-AY2-T S-IH1-D P-R-IY1 V-IY0 AH0 S-L-IY0 B-IH1-N D-UW1 IH0-NG DH-AH0 P-R-AA1 P-ER0 T-IY0 SH-OW1 AY1 R-IH1 L-IY0 EH0-N JH-OY1 D-IH1-T


i think we're probably quite similar in that, heidi, because i love talking to other entrepreneurs and finding out how they do what they do.

AY1 TH-IH1-NG K-W-ER0 P-R-AA1 B-AH0 B-L-IY0 K-W-AY1-T S-IH1 M-AH0 L-ER0 IH0-N DH-AE1-T HH-AY1 D-IY0 B-IH0 K-AO1 Z-AY1 L-AH1-V T-AO1 K-IH0-NG T-UW1 AH1 DH-ER0 AA2-N T-R-AH0 P-R-AH0 N-ER1 Z-AH0-N-D F-AY1-N D-IH0 NG-AW1-T HH-AW1 DH-EY1 D-UW1 W-AH1-T DH-EY1 D-UW1


radio content, and the interview that i've done with you on 2db will be there, yaro. in terms of the other material

R-EY1 D-IY0 OW2 K-AA1-N T-EH0-N T-AH0-N-D DH-AH0 IH1-N T-ER0 V-Y-UW2 DH-AE1 T-AY1-V D-AH1 N-W-IH1 DH-Y-UW1 AA1-N T-UW1 D-EH1 S-AH0 B-AH0-L Z-W-IH1-L B-IY1 DH-EH1 R-Y-EH1 R-OW0 IH0-N T-ER1-M Z-AH1-V DH-AH0 AH1 DH-ER0 M-AH0 T-IH1 R-IY0 AH0-L


that i'm continuing to develop, i will be launching my website very soon, which will be moneytolove.com.au.

DH-AE1 T-IH1-M K-AH0-N T-IH1 N-Y-UW0 IH0-NG T-UW1 D-IH0 V-EH1 L-AH0 P-AY1 W-IH1-L B-IY1 L-AO1-N CH-IH0-NG M-AY1 W-EH1-B S-AY2-T V-EH1 R-IY0 S-UW1 N-W-IH1 CH-W-IH1-L B-IY1 M-OW0 N-IY0 T-EH2 P-L-AH0 T-IY1 K-AH0


i've loved money and finance, and i also want to really encourage people to build their businesses,

AY1 V-L-AH1-V D-M-AH1 N-IY0 AH0-N-D F-AH0 N-AE1-N S-AH0-N D-AY1 AO1-L S-OW0 W-AA1-N-T T-UW1 R-IH1 L-IY0 EH0-N K-ER1 IH0-JH P-IY1 P-AH0-L T-UW1 B-IH1-L-D DH-EH1-R B-IH1 Z-N-AH0 S-AH0-Z


to be successful, to get money, but to do it with passion. and that's where the money to love comes from.

T-UW1 B-IY1 S-AH0-K S-EH1-S F-AH0-L T-UW1 G-EH1 T-M-AH1 N-IY0 B-AH1-T T-UW1 D-UW1 IH1 T-W-IH1-DH P-AE1 SH-AH0 N-AH0-N-D TH-AE1-T S-W-EH1-R DH-AH0 M-AH1 N-IY0 T-UW1 L-AH1-V K-AH1-M-Z F-R-AH1-M


okay. one last question then, so what's heidi doing in the future? obviously you're doing a bit of media now, but it sounds like you've got some other

OW2 K-EY1 W-AH1 N-L-AE1-S-T K-W-EH1-S CH-AH0-N DH-EH1-N S-OW1 W-AH0-T-S HH-AY1 D-IY0 D-UW1 IH0 NG-IH0-N DH-AH0 F-Y-UW1 CH-ER0 AA1-B V-IY0 AH0 S-L-IY0 Y-UH1-R D-UW1 IH0 NG-AH0 B-IH1 T-AH1 V-M-IY1 D-IY0 AH0 N-AW1 B-AH1 T-IH1-T S-AW1-N-D Z-L-AY1 K-Y-UW1-V G-AA1-T S-AH1 M-AH1 DH-ER0


big plans. are you planning on starting another company?

B-IH1-G P-L-AE1-N Z-AA1 R-Y-UW1 P-L-AE1 N-IH0 NG-AA1-N-S T-AA1-R T-IH0 NG-AH0 N-AH1 DH-ER0 K-AH1-M P-AH0 N-IY0


to become, there aren't many women in the business, talking about business. and i'm a woman that really is passionate about business. ...

T-UW1 B-IH0 K-AH1-M DH-EH1 R-AA1 R-AH0-N T-M-EH1 N-IY0 W-IH1 M-AH0 N-IH0-N DH-AH0 B-IH1 Z-N-AH0-S T-AO1 K-IH0 NG-AH0 B-AW1-T B-IH1 Z-N-AH0 S-AH0-N D-IH1 M-AH0 W-UH1 M-AH0-N DH-AE1 T-R-IH1 L-IY0 IH1-Z P-AE1 SH-AH0 N-AH0 T-AH0 B-AW1-T B-IH1 Z-N-AH0-S


because i think as a woman, it can be a little bit different to the experience that a man faces.

B-IH0 K-AO1 Z-AY1 TH-IH1-NG K-AE1 Z-AH0 W-UH1 M-AH0 N-IH1-T K-AE1-N B-IY1 AH0 L-IH1 T-AH0-L B-IH1-T D-IH1 F-ER0 AH0-N-T T-UW1 DH-AH0 IH0-K-S P-IH1 R-IY0 AH0-N-S DH-AE1 T-AH0 M-AE1-N F-EY1 S-AH0-Z


i totally agree. i'm very tired of attending business networking events with 85% men in attendance. and so few women.

AY1 T-OW1 T-AH0 L-IY0 AH0 G-R-IY1 AY1 AE1-M V-EH1 R-IY0 T-AY1 ER0 D-AH1 V-AH0 T-EH1-N D-IH0-NG B-IH1 Z-N-AH0 S-N-EH1 T-W-ER2 K-IH0 NG-IH0 V-EH1-N-T S-W-IH1 DH-EY1 T-IY0 F-AY1-V P-ER0 S-EH1-N T-M-EH1 N-IH0 N-AH0 T-EH1-N D-AH0-N S-AH0-N-D S-OW1 F-Y-UW1 W-IH1 M-AH0-N


you should hang out in the finance industry, it's worse-

Y-UW1 SH-UH1-D HH-AE1 NG-AW1 T-IH0-N DH-AH0 F-AH0 N-AE1-N S-IH1-N D-AH0-S T-R-IY0 IH1-T S-W-ER1-S


surprising, i did go to a blogging conference, which was 85% women. that was a unique experience. i have to say.

S-ER0 P-R-AY1 Z-IH0 NG-AY1 D-IH1-D G-OW1 T-UW1 AH0 B-L-AA1 G-IH0-NG K-AA1-N F-ER0 AH0-N S-W-IH1 CH-W-AA1 Z-EY1 T-IY0 F-AY1-V P-ER0 S-EH1-N T-W-IH1 M-AH0-N DH-AE1 T-W-AA1 Z-AH0 Y-UW0 N-IY1 K-IH0-K-S P-IH1 R-IY0 AH0-N S-AY1 HH-AE1-V T-UW1 S-EY1


i'm looking forward to seeing what you get up to, and of course, thank you for having me on a your two shows too. that was a unique experience for me to

IH1 M-L-UH1 K-IH0-NG F-AO1 R-W-ER0-D T-UW1 S-IY1 IH0 NG-W-AH1 T-Y-UW1 G-EH1 T-AH1-P T-UW1 AH0-N D-AH1-V K-AO1-R-S TH-AE1-NG K-Y-UW1 F-AO1-R HH-AE1 V-IH0-NG M-IY1 AA1 N-AH0 Y-AO1-R T-UW1 SH-OW1-Z T-UW1 DH-AE1 T-W-AA1 Z-AH0 Y-UW0 N-IY1 K-IH0-K-S P-IH1 R-IY0 AH0-N-S F-AO1-R M-IY1 T-UW1


get on mainstream media. i'm so used to online media, and i think there's still some value in the old school media, i'm sure you would agree.

G-EH1 T-AA1-N M-EY1-N-S T-R-IY2-M M-IY1 D-IY0 AH0 IH1-M S-OW1 Y-UW1-S-T T-UW1 AO1 N-L-AY2-N M-IY1 D-IY0 AH0 AH0-N D-AY1 TH-IH1-NG-K DH-EH1-R-Z-S T-IH1-L S-AH1-M V-AE1 L-Y-UW0 IH0-N DH-AH0 OW1-L-D-S K-UW1-L M-IY1 D-IY0 AH0 IH1-M SH-UH1 R-Y-UW1 W-UH1 D-AH0 G-R-IY1


aw, thank you so much, yaro. it's been a lovely journey having the interactions with you. and similarly, i wish you and the entrepreneur's journey-

AO1 TH-AE1-NG K-Y-UW1 S-OW1 M-AH1 CH-Y-EH1 R-OW0 IH1-T-S B-IH1 N-AH0 L-AH1 V-L-IY0 JH-ER1 N-IY0 HH-AE1 V-IH0-NG DH-AH0 IH2-N T-ER0 AE1-K SH-AH0-N Z-W-IH1 DH-Y-UW1 AH0-N-D S-IH1 M-AH0 L-ER0 L-IY0 AY1 W-IH1 SH-Y-UW1 AH0-N-D DH-AH0 AA2-N T-R-AH0 P-R-AH0 N-ER1-Z JH-ER1 N-IY0


you've been listening to the entrepreneur's journey podcast. i hope you enjoyed the show today. if you'd like to download my other pod-

Y-UW1-V B-IH1 N-L-IH1 S-AH0 N-IH0-NG T-UW1 DH-AH0 AA2-N T-R-AH0 P-R-AH0 N-ER1-Z JH-ER1 N-IY0 P-OW1-D K-AE2-S T-AY1 HH-OW1 P-Y-UW1 EH0-N JH-OY1-D DH-AH0 SH-OW1 T-AH0 D-EY1 IH1 F-Y-AH1 D-L-AY1-K T-UW1 D-AW1 N-L-OW2 D-M-AY1 AH1 DH-ER0 P-AA1-D


it is a wonderful program. yeah.

IH1 T-IH1 Z-AH0 W-AH1-N D-ER0 F-AH0-L P-R-OW1 G-R-AE2 M-Y-AE1


hey, guys? yeah? can we just pray for him here for a little bit? sure. didn't i just...

HH-EY1 G-AY1 Z-Y-AE1 K-AE1 N-W-IY1 JH-AH1-S-T P-R-EY1 F-AO1-R HH-IH1-M HH-IY1-R F-AO1 R-AH0 L-IH1 T-AH0-L B-IH1-T SH-UH1-R D-IH1 D-AH0-N T-AY1 JH-AH1-S-T


have i seen rumors about them doing a spinoff with the little four chicks?

HH-AE1 V-AY1 S-IY1 N-R-UW1 M-ER0 Z-AH0 B-AW1-T DH-EH1-M D-UW1 IH0 NG-AH0-S P-IH1 N-AO2 F-W-IH1-DH DH-AH0 L-IH1 T-AH0-L F-AO1-R CH-IH1-K-S


.. so yeah. so not mike huckabee, like megan kelly says.

S-OW1 Y-AE1 S-OW1 N-AA1 T-M-AY1-K HH-AH1 K-AH0 B-IY0 L-AY1 K-M-EY1 G-AH0-N K-EH1 L-IY0 S-EH1-Z


i don't know peter from san francisco will know. are those called jumpers in england, as biscuits are?

AY1 D-AA1-N T-N-OW1 P-IY1 T-ER0 F-R-AH1-M S-AE1-N F-R-AE0-N S-IH1-S K-OW0 W-IH1-L N-OW1 AA1-R DH-OW1-Z K-AO1-L-D JH-AH1-M P-ER0 Z-IH0 N-IH1-NG G-L-AH0-N D-AE1-Z B-IH1-S K-AH0-T S-AA1-R


this confusion is a key to the development of cancer. whoa. bullshit.

DH-IH1-S K-AH0-N F-Y-UW1 ZH-AH0 N-IH1 Z-AH0 K-IY1 T-UW1 DH-AH0 D-IH0 V-EH1 L-AH0 P-M-AH0-N T-AH1-V K-AE1-N S-ER0 W-OW1 B-UH1-L SH-IH2-T


yeah. so, yes.


she's probably kind of old, carl. she's like my age, okay? so.

SH-EH1-S P-R-AA1 B-AH0 B-L-IY0 K-AY1-N D-AH1 V-OW1-L-D K-AA1-R-L SH-EH1 S-L-AY1 K-M-AY1 EY1 JH-OW2 K-EY1 S-OW1


squeaky clean image. i think that guy was being sarcastic. anyway.

S-K-W-IY1 K-IY0 K-L-IY1 N-IH1 M-AH0 JH-AY1 TH-IH1-NG-K DH-AE1-T G-AY1 W-AA1-Z B-IY1 IH0-NG S-AA0-R K-AE1-S T-IH0 K-EH1 N-IY0 W-EY2


just the last couple of minutes here, we did see a car leave

JH-AH1-S-T DH-AH0 L-AE1-S-T K-AH1 P-AH0 L-AH1 V-M-IH1 N-AH0-T-S HH-IY1 R-W-IY1 D-IH1-D S-IY1 AH0 K-AA1-R L-IY1-V


here. now we couldn't tell if it was speaker denny hastert.

HH-IY1-R N-AW1 W-IY1 K-AW1-L D-AH0-N-T T-EH1 L-IH1 F-IH1 T-W-AA1-Z-S P-IY1 K-ER0 D-EH1 N-IY0 HH-AE1-S T-ER0-T


it's a long driveway. a few things quickly pop out. one, the garage door at his royal plano, illinois, home was-

IH1-T S-AH0 L-AO1-NG D-R-AY1 V-W-EY2 AH0 F-Y-UW1 TH-IH1-NG-Z K-W-IH1 K-L-IY0 P-AA1 P-AW1 T-W-AH1-N DH-AH0 G-ER0 AA1-ZH D-AO1 R-AE1-T HH-IH1 Z-R-OY1 AH0-L P-L-EY1 N-OW0 IH2 L-AH0 N-OY1 HH-OW1 M-W-AA1-Z


a federal criminal counts. one, for basically trying to skirt federal banks.

AH0 F-EH1 D-ER0 AH0-L K-R-IH1 M-AH0 N-AH0-L K-AW1-N-T S-W-AH1-N F-AO1-R B-EY1 S-IH0 K-L-IY0 T-R-AY1 IH0-NG T-UW1-S K-ER1-T F-EH1 D-ER0 AH0-L B-AE1-NG-K-S


the federal government says hastert was paying off someone known only as individual a for prior-

DH-AH0 F-EH1 D-ER0 AH0-L G-AH1 V-ER0 M-AH0-N-T S-EH1-Z HH-AE1-S T-ER0 T-W-AA1-Z P-EY1 IH0 NG-AO1-F S-AH1 M-W-AH2-N N-OW1 N-OW1 N-L-IY0 AE1 Z-IH2-N D-AH0 V-IH1 JH-AH0 W-AH0 L-AH0 F-AO1-R P-R-AY1 ER0


the indictment says hastert agreed to pay the [inaudible]

DH-AH0 IH0-N D-AY1 T-M-AH0-N-T S-EH1-Z HH-AE1-S T-ER0 T-AH0 G-R-IY1-D T-UW1 P-EY1 DH-AH0 IH0 N-AO1 D-AH0 B-AH0-L


between 2010 and 2012, he withdrew $50,000 without

B-IH0 T-W-IY1-N T-W-EH1-N T-IY0 T-EH1 N-AH0-N-D T-W-EH1-N T-IY0 T-W-EH1-L-V HH-IY1 W-IH0-TH D-R-UW1 F-IH1-F T-IY0 TH-AW1 Z-AH0-N-D D-AA1 L-ER0 Z-W-IH0 TH-AW1-T


reporting it. when questioned by a bank official, the fed say hastert-

R-IY0 P-AO1-R T-IH0 NG-IH1 T-W-EH1-N K-W-EH1-S CH-AH0-N-D B-AY1 AH0 B-AE1-NG K-AH0 F-IH1 SH-AH0-L DH-AH0 F-EH1-D S-EY1 HH-AE1-S T-ER0-T


september of 2014, the fbi says he lied to-

S-EH0-P T-EH1-M B-ER0 AH1-V T-W-EH1-N T-IY0 F-AO1-R T-IY1-N DH-AH0 B-AY1 S-EH1-Z HH-IY1 L-AY1-D T-UW1


thing back then those the republicans and the conservatives were, "i have nothing to hide. i have no problem with this stuff."

TH-IH1-NG B-AE1-K DH-EH1-N DH-OW1-Z DH-AH0 R-IH0 P-AH1 B-L-IH0 K-AH0-N Z-AH0-N-D DH-AH0 K-AH0-N S-ER1 V-AH0 T-IH0-V Z-W-ER0 AY1 HH-AE1 V-N-AH1 TH-IH0-NG T-UW1 HH-AY1 D-AY1 HH-AE1 V-N-OW1 P-R-AA1 B-L-AH0 M-W-IH1-DH DH-IH1-S-S T-AH1-F


all right. so, and of course, and now, i thought, well, maybe i should play some [inaudible] , but i want to make sure you get your royalties. and i don't want to get in trouble on my podcast. so i'm going to make you listen to-

AO1-L R-AY1-T S-OW1 AH0-N D-AH1-V K-AO1-R S-AH0-N D-N-AW1 AY1 TH-AO1 T-W-EH1-L M-EY1 B-IY0 AY1 SH-UH1-D P-L-EY1 S-AH1 M-IH0 N-AO1 D-AH0 B-AH0-L B-AH1 T-AY1 W-AA1-N-T T-UW1 M-EY1-K SH-UH1 R-Y-UW1 G-EH1 T-Y-AO1-R R-OY1 AH0-L T-IY0 Z-AH0-N D-AY1 D-AA1-N T-W-AA1-N-T T-UW1 G-EH1 T-IH0-N T-R-AH1 B-AH0 L-AA1-N M-AY1 P-OW1-D K-AE2-S-T S-OW1 IH1-M G-OW1 IH0-NG T-UW1 M-EY1 K-Y-UW1 L-IH1 S-AH0-N T-UW1


warning, truly independent media right here on-

W-AO1-R N-IH0-NG T-R-UW1 L-IY0 IH2-N D-IH0 P-EH1-N D-AH0-N T-M-IY1 D-IY0 AH0 R-AY1-T HH-IY1 R-AA1-N


and this guy i'm going to arrest. this guy, not so much.

AH0-N-D DH-IH1-S G-AY1 IH1-M G-OW1 IH0-NG T-UW1 ER0 EH1-S-T DH-IH1-S G-AY1 N-AA1-T S-OW1 M-AH1-CH


taunting denny hastert on cspan last november. it's bruce from yorkville. november 13th, 2014. listen to this.

T-AO1-N T-IH0-NG D-EH1 N-IY0 HH-AE1-S T-ER0 T-AA1-N S-IY1-S P-AE1 N-L-AE1-S T-N-OW0 V-EH1-M B-ER0 IH1-T-S B-R-UW1-S F-R-AH1 M-Y-AO1-R-K V-IH2-L DH-AH0 TH-ER1 T-IY1-N TH-AH1 V-N-OW0 V-EH1-M B-ER0 T-W-EH1-N T-IY0 F-AO1-R T-IY1 N-L-IH1 S-AH0-N T-UW1 DH-IH1-S


yeah. they either teach history or they teach the beginning math, you know that, what is it? general math for the people that barely know how to add.

Y-AE1 DH-EY1 IY1 DH-ER0 T-IY1-CH HH-IH1-S T-ER0 IY0 AO1-R DH-EY1 T-IY1-CH DH-AH0 B-IH0 G-IH1 N-IH0-NG M-AE1 TH-Y-UW1 N-OW1 DH-AE1 T-W-AH1 T-IH1 Z-IH1-T JH-EH1 N-ER0 AH0-L M-AE1-TH F-AO1-R DH-AH0 P-IY1 P-AH0-L DH-AE1-T B-EH1-R L-IY0 N-OW1 HH-AW1 T-UW1 AE1-D


the teacher who literally wrote on the chalkboard. he was like, "today, we're going to be talking about trial and error." and he wrote trail and era.

DH-AH0 T-IY1 CH-ER0 HH-UW1 L-IH1 T-ER0 AH0 L-IY0 R-OW1 T-AA1-N DH-AH0 K-AE1-L-K B-AO2-R-D HH-IY1 W-AA1 Z-L-AY1-K T-AH0 D-EY1 W-ER0 G-OW1 IH0-NG T-UW1 B-IY1 T-AO1 K-IH0 NG-AH0 B-AW1-T T-R-AY1 AH0 L-AH0-N D-EH1 R-ER0 AH0-N-D HH-IY1 R-OW1-T T-R-EY1 L-AH0-N D-EH1 R-AH0


brian fisher, talking about the texas flood,

B-R-AY1 AH0-N F-IH1 SH-ER0 T-AO1 K-IH0 NG-AH0 B-AW1-T DH-AH0 T-EH1-K S-AH0-S F-L-AH1-D


talking about the floods in texas. here you go. and you can tell me if my impression is-

T-AO1 K-IH0 NG-AH0 B-AW1-T DH-AH0 F-L-AH1-D Z-IH0-N T-EH1-K S-AH0-S HH-IY1 R-Y-UW1 G-OW1 AH0-N D-Y-UW1 K-AE1-N T-EH1-L M-IY1 IH1 F-M-AY1 IH0-M P-R-EH1 SH-AH0 N-IH1-Z


that does sound like a band. that sounds like it like a danish black metal band or something.

DH-AE1-T D-AH1-Z S-AW1-N D-L-AY1 K-AH0 B-AE1-N-D DH-AE1-T S-AW1-N-D Z-L-AY1 K-IH1 T-L-AY1 K-AH0 D-EY1 N-IH0-SH B-L-AE1 K-M-EH1 T-AH0-L B-AE1-N D-AO1-R S-AH1-M TH-IH0-NG


yeah. that's usually when you find, you hear like the kid in the family, someone's family that suddenly was sent off to live with the cousins over in-

Y-AE1 TH-AE1-T S-Y-UW1 ZH-AH0 W-AH0 L-IY0 W-EH1 N-Y-UW1 F-AY1-N D-Y-UW1 HH-IY1-R L-AY1-K DH-AH0 K-IH1 D-IH0-N DH-AH0 F-AE1 M-AH0 L-IY0 S-AH1 M-OW2-N-Z F-AE1 M-AH0 L-IY0 DH-AE1-T S-AH1 D-AH0 N-L-IY0 W-AA1-Z S-EH1-N T-AO1-F T-UW1 L-AY1 V-W-IH1-DH DH-AH0 K-AH1 Z-AH0-N Z-OW1 V-ER0 IH0-N


there you go. nice.


myself, before i go to sleep. that's right.

M-AY2 S-EH1-L-F B-IH0 F-AO1 R-AY1 G-OW1 T-UW1 S-L-IY1-P TH-AE1-T S-R-AY1-T


where else will you fucking hear those two songs? so.

W-EH1 R-EH1-L S-W-IH1 L-Y-UW1 F-AH1 K-IH0-NG HH-IY1-R DH-OW1-Z T-UW1 S-AO1-NG-Z S-OW1


yes it is. yeah. it's warm here, too. a little too warm. if you ask me. it's very-

Y-EH1 S-IH1 T-IH1 Z-Y-AE1 IH1-T S-W-AO1-R-M HH-IY1-R T-UW1 AH0 L-IH1 T-AH0-L T-UW1 W-AO1-R M-IH1 F-Y-UW1 AE1-S K-M-IY1 IH1-T-S V-EH1 R-IY0


i don't believe we have those here. no, it's too dry.

AY1 D-AA1-N-T B-IH0 L-IY1 V-W-IY1 HH-AE1-V DH-OW1-Z HH-IY1-R N-OW1 IH1-T-S T-UW1 D-R-AY1


yeah, it totally is too dry. we don't have the firefly things either, which i used to think was really cool back east. so, yeah.

Y-AE1 IH1-T T-OW1 T-AH0 L-IY0 IH1-Z T-UW1 D-R-AY1 W-IY1 D-AA1-N-T HH-AE1-V DH-AH0 F-AY1 ER0 F-L-AY2 TH-IH1-NG Z-IY1 DH-ER0 W-IH1 CH-AY1 Y-UW1-Z-D T-UW1 TH-IH1-NG K-W-AA1 Z-R-IH1 L-IY0 K-UW1-L B-AE1 K-IY1-S-T S-OW1 Y-AE1


swiping posts of our drops. right, right when they come up.

S-W-AY1 P-IH0-NG P-OW1-S-T S-AH1 V-AW1 ER0 D-R-AA1-P S-R-AY1 T-R-AY1 T-W-EH1-N DH-EY1 K-AH1 M-AH1-P


you know, and you know, mary andrews also from a political family.

Y-UW1 N-OW1 AH0-N D-Y-UW1 N-OW1 M-EH1 R-IY0 AE1-N D-R-UW2 Z-AO1-L S-OW0 F-R-AH1 M-AH0 P-AH0 L-IH1 T-AH0 K-AH0-L F-AE1 M-AH0 L-IY0


that's her dad, mayor of new orleans her brother i think is the current mayor of new orleans. and you know, it doesn't matter what side of the aisle you're on in louisiana.

TH-AE1-T-S HH-ER0 D-AE1 D-M-EY1 ER0 AH1 V-N-UW1 AO1-R L-IY0 AH0-N-Z HH-ER0 B-R-AH1 DH-ER0 AY1 TH-IH1-NG K-IH1-Z DH-AH0 K-ER1 AH0-N T-M-EY1 ER0 AH1 V-N-UW1 AO1-R L-IY0 AH0-N Z-AH0-N D-Y-UW1 N-OW1 IH1-T D-OW1 S-AH0-N T-M-AE1 T-ER0 W-AH1-T S-AY1 D-AH1-V DH-AH0 AY1 L-Y-UH1 R-AA1 N-IH0 N-L-UW0 IY2 Z-IY0 AE1 N-AH0


following committees have budgeted or i've already spent a committee on rural

F-AA1 L-OW0 IH0-NG K-AH0 M-IH1 T-IY0-Z HH-AE1-V B-AH1 JH-IH0 T-AH0 D-AO1 R-AY1 V-AO0-L R-EH1 D-IY0-S P-EH1-N T-AH0 K-AH0 M-IH1 T-IY0 AA1 N-R-UH1 R-AH0-L


space and technology 5.28

S-P-EY1 S-AH0-N-D T-EH0 K-N-AA1 L-AH0 JH-IY0 F-AY1-V P-OY1-N-T T-UW1 EY1-T


back, the little extra factoid here. the seven house republicans on that committee will receive a bigger share of the committee budget. 2.2 million.

B-AE1-K DH-AH0 L-IH1 T-AH0 L-EH1-K-S T-R-AH0 F-AE1-K T-OY0-D HH-IY1-R DH-AH0 S-EH1 V-AH0-N HH-AW1 S-R-IH0 P-AH1 B-L-IH0 K-AH0-N Z-AA1-N DH-AE1-T K-AH0 M-IH1 T-IY0 W-IH1-L R-AH0 S-IY1 V-AH0 B-IH1 G-ER0 SH-EH1 R-AH1-V DH-AH0 K-AH0 M-IH1 T-IY0 B-AH1 JH-IH0-T T-UW1 P-OY1-N-T T-UW1 M-IH1 L-Y-AH0-N


gets released during prime- [inaudible]

G-EH1-T S-R-IY0 L-IY1-S-T D-UH1 R-IH0-NG P-R-AY1 M-IH0 N-AO1 D-AH0 B-AH0-L


says horse pollen.


shuck, shuck it up on moon pies, you know, and

SH-AH1-K SH-AH1 K-IH1 T-AH1 P-AA1-N M-UW1-N P-AY1 Z-Y-UW1 N-OW1 AH0-N-D


yeah. you know, i think he, he also had a, a cabinet job-

Y-AE1 Y-UW1 N-OW1 AY1 TH-IH1-NG-K HH-IY1 HH-IY1 AO1-L S-OW0 HH-AE1 D-AH0 AH0 K-AE1 B-AH0 N-AH0-T JH-AA1-B


facts, right, when it says scott walker will sign a ban on abortions for rape and incest.

F-AE1-K-T S-R-AY1 T-W-EH1 N-IH1-T S-EH1-Z-S K-AA1 T-W-AO1 K-ER0 W-IH1-L S-AY1 N-AH0 B-AE1 N-AA1 N-AH0 B-AO1-R SH-AH0-N-Z F-AO1-R R-EY1 P-AH0-N D-IH1-N S-EH2-S-T


i think we knew who the duggars are backing this time-

AY1 TH-IH1-NG K-W-IY1 N-UW1 HH-UW1 DH-AH0 D-AH1 G-ER0 Z-AA1-R B-AE1 K-IH0-NG DH-IH1-S T-AY1-M


at the time who will get out their iphone and show me a picture of their grandkids ultrasound and how excited.

AE1-T DH-AH0 T-AY1-M HH-UW1 W-IH1-L G-EH1 T-AW1-T DH-EH1 R-IH1 F-OW0 N-AH0-N-D SH-OW1 M-IY1 AH0 P-IH1-K CH-ER0 AH1-V DH-EH1-R G-R-AE1-N-D K-IH2-D Z-AH2-L T-R-AH0 S-AW1-N D-AH0-N-D HH-AW1 IH0-K S-AY1 T-AH0-D


and cooter.


now it's like buy 12, and you're like, holy shit, we got to buy toilet paper a lot.

N-AW1 IH1-T S-L-AY1-K B-AY1 T-W-EH1-L V-AH0-N D-Y-UW1 AA1-R L-AY1-K HH-OW1 L-IY0 SH-IH1 T-W-IY1 G-AA1-T T-UW1 B-AY1 T-OY1 L-AH0-T P-EY1 P-ER0 AH0 L-AA1-T


i wonder if they're going to have the different grades or if they're going to have like the different types and like, are they going to have like purple kush and you know, afghani?

AY1 W-AH1-N D-ER0 IH1-F TH-EH1-R G-OW1 IH0-NG T-UW1 HH-AE1-V DH-AH0 D-IH1 F-ER0 AH0-N-T G-R-EY1-D Z-AO1 R-IH1-F TH-EH1-R G-OW1 IH0-NG T-UW1 HH-AE1 V-L-AY1-K DH-AH0 D-IH1 F-ER0 AH0-N-T T-AY1-P S-AH0-N D-L-AY1 K-AA1-R DH-EY1 G-OW1 IH0-NG T-UW1 HH-AE1 V-L-AY1-K P-ER1 P-AH0-L K-UH1 SH-AH0-N D-Y-UW1 N-OW1 AE0-F G-AA1 N-IY0


oh, you know, and he's going to need an extra large cell just to accommodate that neck.

OW1 Y-UW1 N-OW1 AH0-N-D HH-IY1-Z G-OW1 IH0-NG T-UW1 N-IY1 D-AE1 N-EH1-K-S T-R-AH0 L-AA1-R-JH S-EH1-L JH-AH1-S-T T-UW1 AH0 K-AA1 M-AH0 D-EY2-T DH-AE1 T-N-EH1-K


yeah. putting it from seed in little pots and then planting it around because, and plant lots of it because it goes to flower fast and when it goes to flower, it's going to seed that you have to pinch those buggers.

Y-AE1 P-AH1 T-IH0 NG-IH1-T F-R-AH1-M S-IY1 D-IH0 N-L-IH1 T-AH0-L P-AA1-T S-AH0-N-D DH-EH1-N P-L-AE1-N T-IH0 NG-IH1 T-ER0 AW1-N-D B-IH0 K-AO1 Z-AH0-N-D P-L-AE1-N T-L-AA1-T S-AH1 V-IH1-T B-IH0 K-AO1 Z-IH1-T G-OW1-Z T-UW1 F-L-AW1 ER0 F-AE1-S T-AH0-N D-W-EH1 N-IH1-T G-OW1-Z T-UW1 F-L-AW1 ER0 IH1-T-S G-OW1 IH0-NG T-UW1 S-IY1-D DH-AE1 T-Y-UW1 HH-AE1-V T-UW1 P-IH1-N-CH DH-OW1-Z B-AH1 G-ER0-Z


yeah, it's good to be the king. so, so that's, john's jingle. so do we-

Y-AE1 IH1-T-S G-UH1-D T-UW1 B-IY1 DH-AH0 K-IH1-NG S-OW1 S-OW1 TH-AE1-T-S JH-AA1-N-Z JH-IH1-NG G-AH0-L S-OW1 D-UW1 W-IY1


oh no, don't do that. don't listen to ps [inaudible]

OW1 N-OW1 D-AA1-N-T D-UW1 DH-AE1-T D-AA1-N T-L-IH1 S-AH0-N T-UW1 P-IY1 EH1 S-IH0 N-AO1 D-AH0 B-AH0-L


on the night show because he has very interesting music tape that i like, you know?

AA1-N DH-AH0 N-AY1-T SH-OW1 B-IH0 K-AO1-Z HH-IY1 HH-AE1-Z V-EH1 R-IY0 IH1-N T-R-AH0-S T-IH0-NG M-Y-UW1 Z-IH0-K T-EY1-P DH-AE1 T-AY1 L-AY1 K-Y-UW1 N-OW1


okay. yeah. i was once i was in a minus sixty wind-

OW2 K-EY1 Y-AE1 AY1 W-AA1 Z-W-AH1-N S-AY1 W-AA1 Z-IH0 N-AH0 M-AY1 N-AH0-S S-IH1-K-S T-IY0 W-AY1-N-D


yeah. it's, it's over there by pleasanton and dublin and it's, it's over actually in, in our friend, nicole bell's stomping grounds.

Y-AE1 IH1-T S-IH1-T S-OW1 V-ER0 DH-EH1-R B-AY1 P-L-EH1 Z-AH0-N T-AH0 N-AH0-N-D D-AH1 B-L-IH0 N-AH0-N D-IH1-T S-IH1-T S-OW1 V-ER0 AE1-K CH-AH0 W-AH0 L-IY0 IH0 N-IH0 N-AW1 ER0 F-R-EH1-N D-N-IH0 K-OW1-L B-EH1-L-Z-S T-AA1-M P-IH0-NG G-R-AW1-N-D-Z


yeah. yeah. i think i can probably oblige for that. yeah.

Y-AE1 Y-AE1 AY1 TH-IH1-NG K-AY1 K-AE1-N P-R-AA1 B-AH0 B-L-IY0 AH0 B-L-AY1-JH F-AO1-R DH-AE1 T-Y-AE1


i had my kitchen redone. my dishwasher repaired and my damn garage door fixed the other day. so,

AY1 HH-AE1 D-M-AY1 K-IH1 CH-AH0 N-R-IY0 D-AH1-N M-AY1 D-IH1 SH-W-AA2 SH-ER0 R-IH0 P-EH1-R D-AH0-N D-M-AY1 D-AE1-M G-ER0 AA1-ZH D-AO1-R F-IH1-K-S-T DH-AH0 AH1 DH-ER0 D-EY1 S-OW1


and then he went and passed away on me and now i got to pay the man, the other man.

AH0-N-D DH-EH1-N HH-IY1 W-EH1-N T-AH0-N-D P-AE1-S T-AH0 W-EY1 AA1-N M-IY1 AH0-N D-N-AW1 AY1 G-AA1-T T-UW1 P-EY1 DH-AH0 M-AE1-N DH-AH0 AH1 DH-ER0 M-AE1-N


i had an uncle that was a garage door swallower actually for the circus. no, i'm kidding.

AY1 HH-AE1 D-AE1 N-AH1-NG K-AH0-L DH-AE1 T-W-AA1 Z-AH0 G-ER0 AA1-ZH D-AO1-R S-W-AA1 L-OW0 ER0 AE1-K CH-AH0 W-AH0 L-IY0 F-AO1-R DH-AH0 S-ER1 K-AH0 S-N-OW1 IH1-M K-IH1 D-IH0-NG


i'm going to be a time when someone isn't going to want to do that paperwork. so he's going to keep that gun in its holster.

IH1-M G-OW1 IH0-NG T-UW1 B-IY1 AH0 T-AY1 M-W-EH1-N S-AH1 M-W-AH2 N-IH1 S-AH0-N-T G-OW1 IH0-NG T-UW1 W-AA1-N-T T-UW1 D-UW1 DH-AE1-T P-EY1 P-ER0 W-ER2-K S-OW1 HH-IY1-Z G-OW1 IH0-NG T-UW1 K-IY1-P DH-AE1-T G-AH1 N-IH0 N-IH1-T-S HH-OW1-L-S T-ER0


a response to loomis saying that more paperwork is going to get somebody-

AH0 R-IH0-S P-AA1-N-S T-UW1 L-UW1 M-IH0-S S-EY1 IH0-NG DH-AE1 T-M-AO1-R P-EY1 P-ER0 W-ER2 K-IH1-Z G-OW1 IH0-NG T-UW1 G-EH1-T S-AH1-M B-AA2 D-IY0


as of 2010, it was 396,000. estimate 2013 was 390-

AE1 Z-AH1-V T-W-EH1-N T-IY0 T-EH1 N-IH1 T-W-AA1-Z TH-R-IY1 HH-AH1-N D-R-AH0 D-N-AY1-N T-IY0 S-IH1-K-S TH-AW1 Z-AH0-N D-EH1-S T-AH0 M-AH0-T T-W-EH1-N T-IY0 TH-ER1 T-IY1 N-W-AA1-Z TH-R-IY1 HH-AH1-N D-R-AH0 D-AH0-N D-N-AY1-N T-IY0


that is seriously an oxymoron. the working poor.

DH-AE1 T-IH1-Z S-IH1 R-IY0 AH0 S-L-IY0 AE1 N-AA2-K S-IY1 M-AO1 R-AA0-N DH-AH0 W-ER1 K-IH0-NG P-UH1-R


that was [inaudible] frank, who came up with horse pollen. and that is a winner. i love.

DH-AE1 T-W-AA1 Z-IH0 N-AO1 D-AH0 B-AH0-L F-R-AE1-NG-K HH-UW1 K-EY1 M-AH1 P-W-IH1-DH HH-AO1-R-S P-AA1 L-AH0 N-AH0-N-D DH-AE1 T-IH1 Z-AH0 W-IH1 N-ER0 AY1 L-AH1-V


this is about the community and the police coming together. everybody understands how difficult it is to be a police officer. my son is a police officer. my husband was a police officer. we get it, ed. but-

DH-IH1 S-IH1 Z-AH0 B-AW1-T DH-AH0 K-AH0 M-Y-UW1 N-AH0 T-IY0 AH0-N-D DH-AH0 P-AH0 L-IY1-S K-AH1 M-IH0-NG T-AH0 G-EH1 DH-ER0 EH1 V-R-IY0 B-AA2 D-IY0 AH2-N D-ER0-S T-AE1-N-D-Z HH-AW1 D-IH1 F-AH0 K-AH0-L T-IH1 T-IH1-Z T-UW1 B-IY1 AH0 P-AH0 L-IY1 S-AO1 F-AH0 S-ER0 M-AY1 S-AH1 N-IH1 Z-AH0 P-AH0 L-IY1 S-AO1 F-AH0 S-ER0 M-AY1 HH-AH1-Z B-AH0-N D-W-AA1 Z-AH0 P-AH0 L-IY1 S-AO1 F-AH0 S-ER0 W-IY1 G-EH1 T-IH1 T-EH1-D B-AH1-T


this is going to be a resolved-

DH-IH1 S-IH1-Z G-OW1 IH0-NG T-UW1 B-IY1 AH0 R-IY0 Z-AA1-L-V-D


good night and good luck.


january of this year, we missed [inaudible]

JH-AE1 N-Y-UW0 EH2 R-IY0 AH1-V DH-IH1 S-Y-IH1 R-W-IY1 M-IH1-S T-IH0 N-AO1 D-AH0 B-AH0-L


and in peter king, peter king is probably the only other republican that loves lindsey graham. you know that guy-

AH0-N D-IH0-N P-IY1 T-ER0 K-IH1-NG P-IY1 T-ER0 K-IH1 NG-IH1-Z P-R-AA1 B-AH0 B-L-IY0 DH-AH0 OW1 N-L-IY0 AH1 DH-ER0 R-IH0 P-AH1 B-L-IH0 K-AH0-N DH-AE1 T-L-AH1-V Z-L-IH1-N-D Z-IY0 G-R-EY1 AH0 M-Y-UW1 N-OW1 DH-AE1-T G-AY1


on morning, joe, the other day, tom.

AA1-N M-AO1-R N-IH0-NG JH-OW1 DH-AH0 AH1 DH-ER0 D-EY1 T-AA1-M


so, but devaa, what do you think of that? rand paul, you know, sicking balls right there on-

S-OW1 B-AH1-T D-EH1 V-AH0 W-AH1-T D-UW1 Y-UW1 TH-IH1-NG K-AH1-V DH-AE1 T-R-AE1-N-D P-AO1 L-Y-UW1 N-OW1 S-IH1 K-IH0-NG B-AO1-L Z-R-AY1-T DH-EH1 R-AA1-N


bored and dismissive of all around him and it's going to bite him in terms of image.

B-AO1-R D-AH0-N-D D-IH0 S-M-IH1 S-IH0 V-AH1 V-AO1 L-ER0 AW1-N-D HH-IH1 M-AH0-N D-IH1-T-S G-OW1 IH0-NG T-UW1 B-AY1-T HH-IH1 M-IH0-N T-ER1-M Z-AH1 V-IH1 M-AH0-JH


so why he's playing this game? why, whether it's the nsa or whether it's isis or whatever, he's an isolationist. he belongs back to the 1930s with charles lindbergh.

S-OW1 W-AY1 HH-IY1-Z P-L-EY1 IH0-NG DH-IH1-S G-EY1 M-W-AY1 W-EH1 DH-ER0 IH1-T-S DH-AH0 S-AA1 N-AO1 R-W-EH1 DH-ER0 IH1-T S-AY1 S-AH0 S-AO1 R-W-AH2 T-EH1 V-ER0 HH-IY1 Z-AE1 N-AY2 S-AH0 L-EY1 SH-AH0 N-AH0-S-T HH-IY1 B-IH0 L-AO1-NG-Z B-AE1-K T-UW1 DH-AH0 N-AY1-N T-IY1-N TH-ER1 T-IY0 Z-W-IH1-DH CH-AA1-R-L Z-L-IH1-N-D B-ER0-G


it sounds like he feels that you can only be a republican if you haven't learned your lesson about it.

IH1-T S-AW1-N-D Z-L-AY1-K HH-IY1 F-IY1-L-Z DH-AE1 T-Y-UW1 K-AE1 N-OW1 N-L-IY0 B-IY1 AH0 R-IH0 P-AH1 B-L-IH0 K-AH0 N-IH1 F-Y-UW1 HH-AE1 V-AH0-N T-L-ER1 N-IH0 D-Y-AO1-R L-EH1 S-AH0 N-AH0 B-AW1 T-IH1-T


all right. my, my bumper sticker for his campaign is george pataki, because we couldn't talk rob portman into running.

AO1-L R-AY1 T-M-AY1 M-AY1 B-AH1-M P-ER0-S T-IH1 K-ER0 F-AO1-R HH-IH1-Z K-AE0-M P-EY1 N-IH1-Z JH-AO1-R-JH P-AH0 T-AA1 K-IY0 B-IH0 K-AO1 Z-W-IY1 K-AW1-L D-AH0-N-T T-AO1 K-R-AA1-B P-AO1-R T-M-AH0 N-IH0-N T-UW1 R-AH1 N-IH0-NG


yeah. that's the thing is they talk about the human lives are either boots on the ground or collateral damage.

Y-AE1 TH-AE1-T-S DH-AH0 TH-IH1 NG-IH1-Z DH-EY1 T-AO1 K-AH0 B-AW1-T DH-AH0 HH-Y-UW1 M-AH0 N-L-IH1-V Z-AA1 R-IY1 DH-ER0 B-UW1-T S-AA1-N DH-AH0 G-R-AW1-N D-AO1-R K-AH0 L-AE1 T-ER0 AH0-L D-AE1 M-AH0-JH


really messed up. you know, they just, they completely take the fact that they're sending humans in there to be-

R-IH1 L-IY0 M-EH1-S T-AH1 P-Y-UW1 N-OW1 DH-EY1 JH-AH1-S-T DH-EY1 K-AH0-M P-L-IY1 T-L-IY0 T-EY1-K DH-AH0 F-AE1-K-T DH-AE1-T TH-EH1-R S-EH1-N D-IH0-NG HH-Y-UW1 M-AH0-N Z-IH0-N DH-EH1-R T-UW1 B-IY1


didn't he used to cut people's heads open and diddle around with their brains?

D-IH1 D-AH0-N-T HH-IY1 Y-UW1-S-T T-UW1 K-AH1-T P-IY1 P-AH0-L-Z HH-EH1-D Z-OW1 P-AH0 N-AH0-N-D D-IH1 D-AH0 L-ER0 AW1-N D-W-IH1-DH DH-EH1-R B-R-EY1-N-Z


oh, i want to pause right there and say, please proceed. you sound really fucking smart.

OW1 AY1 W-AA1-N-T T-UW1 P-AO1 Z-R-AY1-T DH-EH1 R-AH0-N-D S-EY1 P-L-IY1-Z P-R-AH0 S-IY1 D-Y-UW1 S-AW1-N D-R-IH1 L-IY0 F-AH1 K-IH0-NG S-M-AA1-R-T


yeah. okay. so all of that was bold.

Y-AE1 OW2 K-EY1 S-OW1 AO1 L-AH1-V DH-AE1 T-W-AA1-Z B-OW1-L-D


i don't know if anybody's ever seen it, but there was a bbc miniseries in, i think 82 called whoops apocalypse.

AY1 D-AA1-N T-N-OW1 IH1 F-EH1 N-IY0 B-AH0 D-IY0 Z-EH1 V-ER0 S-IY1 N-IH1-T B-AH1-T DH-EH1 R-W-AA1 Z-AH0 B-IY2 B-IY0 S-IY1 M-IH1 N-IH0 S-EH2 R-IY0 Z-IH0 N-AY1 TH-IH1-NG K-EY1 T-IY0 T-UW1 K-AO1-L D-W-UW1-P S-AH0 P-AA1 K-AH0 L-IH2-P-S


all right. so fox and friends in the past has tried to roast marshmallows over a can of sterno with a plastic fork or their fingers.

AO1-L R-AY1-T S-OW1 F-AA1-K S-AH0-N-D F-R-EH1-N-D Z-IH0-N DH-AH0 P-AE1-S-T HH-AE1-Z T-R-AY1-D T-UW1 R-OW1-S T-M-AA1-R SH-M-EH2 L-OW0 Z-OW1 V-ER0 AH0 K-AE1 N-AH1-V-S T-ER1 N-OW0 W-IH1 DH-AH0 P-L-AE1-S T-IH0-K F-AO1-R K-AO1-R DH-EH1-R F-IH1-NG G-ER0-Z


oh, they had specialists on the program.

OW1 DH-EY1 HH-AE1-D-S P-EH1 SH-AH0 L-AH0-S-T S-AA1-N DH-AH0 P-R-OW1 G-R-AE2-M


in case you get a flat tire, so you aren't-

IH0-N K-EY1 S-Y-UW1 G-EH1 T-AH0 F-L-AE1-T T-AY1 ER0 S-OW1 Y-UW1 AA1 R-AH0-N-T


sometimes you're quite a ways out in the country or something. and you're going to be stuck out there for quite a long time.

S-AH0-M T-AY1-M Z-Y-UH1-R K-W-AY1 T-AH0 W-EY1 Z-AW1 T-IH0-N DH-AH0 K-AH1-N T-R-IY0 AO1-R S-AH1-M TH-IH0 NG-AH0-N D-Y-UH1-R G-OW1 IH0-NG T-UW1 B-IY1-S T-AH1 K-AW1-T DH-EH1-R F-AO1-R K-W-AY1 T-AH0 L-AO1-NG T-AY1-M


i can go for six months without even thinking about the word masculinity. it's meaningless

AY1 K-AE1-N G-OW1 F-AO1-R S-IH1-K S-M-AH1-N-TH S-W-IH0 TH-AW1 T-IY1 V-IH0-N TH-IH1-NG K-IH0 NG-AH0 B-AW1-T DH-AH0 W-ER1 D-M-AE2-S K-Y-AH0 L-IH1 N-AH0 T-IY0 IH1-T S-M-IY1 N-IH0 NG-L-AH0-S


just to you do this, you've done your-

JH-AH1-S-T T-UW1 Y-UW1 D-UW1 DH-IH1 S-Y-UW1-V D-AH1 N-Y-AO1-R


if you're going to actually make it that long, whether it be a podcast or a comic or any sort of serial installments of something that you're putting out, you never know if you're going to get-

IH1 F-Y-UH1-R G-OW1 IH0-NG T-UW1 AE1-K CH-AH0 W-AH0 L-IY0 M-EY1 K-IH1-T DH-AE1 T-L-AO1 NG-W-EH1 DH-ER0 IH1-T B-IY1 AH0 P-OW1-D K-AE2-S T-AO1 R-AH0 K-AA1 M-IH0 K-AO1 R-EH1 N-IY0 S-AO1-R T-AH1-V S-IH1 R-IY0 AH0 L-IH0-N-S T-AO1-L M-AH0-N-T S-AH1-V S-AH1-M TH-IH0-NG DH-AE1 T-Y-UH1-R P-AH1 T-IH0 NG-AW1 T-Y-UW1 N-EH1 V-ER0 N-OW1 IH1 F-Y-UH1-R G-OW1 IH0-NG T-UW1 G-EH1-T


not too bad. i really appreciate you taking the time out to talk to me. this is exciting because not only am i excited for you to tell people about [inaudible 00:08:44] , but i've actually-

N-AA1-T T-UW1 B-AE1 D-AY1 R-IH1 L-IY0 AH0 P-R-IY1 SH-IY0 EY2 T-Y-UW1 T-EY1 K-IH0-NG DH-AH0 T-AY1 M-AW1-T T-UW1 T-AO1-K T-UW1 M-IY1 DH-IH1 S-IH1 Z-IH0-K S-AY1 T-IH0-NG B-IH0 K-AO1 Z-N-AA1 T-OW1 N-L-IY0 AE1 M-AY1 IH0-K S-AY1 T-AH0-D F-AO1 R-Y-UW1 T-UW1 T-EH1-L P-IY1 P-AH0 L-AH0 B-AW1 T-IH0 N-AO1 D-AH0 B-AH0-L Z-IH1 R-OW0 AW1 ER0 Z-EY1 T-M-IH1 N-AH0-T S-AH0-N-D F-AO1-R T-IY0 F-AO1-R S-EH1 K-AH0-N-D-Z B-AH1 T-AY1 V-AE1-K CH-AH0 W-AH0 L-IY0


[inaudible] automatically go up to a dollar. and that price continues to rise as the book becomes more popular and because it's low overhead, author keeps 75%.

IH0 N-AO1 D-AH0 B-AH0 L-AO2 T-AH0 M-AE1 T-IH0 K-L-IY0 G-OW1 AH1-P T-UW1 AH0 D-AA1 L-ER0 AH0-N-D DH-AE1-T P-R-AY1-S K-AH0-N T-IH1 N-Y-UW0-Z T-UW1 R-AY1 Z-AE1-Z DH-AH0 B-UH1-K B-IH0 K-AH1-M Z-M-AO1-R P-AA1 P-Y-AH0 L-ER0 AH0-N-D B-IH0 K-AO1 Z-IH1-T S-L-OW1 OW1 V-ER0 HH-EH1 D-AO1 TH-ER0 K-IY1-P-S S-EH1 V-AH0-N T-IY0 F-AY1-V P-ER0 S-EH1-N-T


read the book they may come back and say, wow, i really love that book. and you know, you get that conversation started between the author and the reader. now we're going to, we had always envisioned

R-EH1-D DH-AH0 B-UH1-K DH-EY1 M-EY1 K-AH1-M B-AE1 K-AH0-N-D S-EY1 W-AW1 AY1 R-IH1 L-IY0 L-AH1-V DH-AE1-T B-UH1 K-AH0-N D-Y-UW1 N-OW1 Y-UW1 G-EH1-T DH-AE1-T K-AA2-N V-ER0 S-EY1 SH-AH0-N-S T-AA1-R T-AH0-D B-IH0 T-W-IY1-N DH-AH0 AO1 TH-ER0 AH0-N-D DH-AH0 R-IY1 D-ER0 N-AW1 W-ER0 G-OW1 IH0-NG T-UW1 W-IY1 HH-AE1 D-AO1 L-W-EY2 Z-EH0-N V-IH1 ZH-AH0-N-D


currently we're using the algorithm. it's going to get more complex as we go, but right now, we're using just a tiered system. so, and it's real simple to remember, we haven't [inaudible]

K-ER1 AH0-N T-L-IY0 W-ER0 Y-UW1 Z-IH0-NG DH-AH0 AE1-L G-ER0 IH2 DH-AH0 M-IH1-T-S G-OW1 IH0-NG T-UW1 G-EH1 T-M-AO1-R K-AA1-M P-L-EH0-K S-AE1 Z-W-IY1 G-OW1 B-AH1 T-R-AY1 T-N-AW1 W-ER0 Y-UW1 Z-IH0-NG JH-AH1-S T-AH0 T-IY1-R-D S-IH1-S T-AH0-M S-OW1 AH0-N D-IH1-T S-R-IY1-L S-IH1-M P-AH0-L T-UW1 R-IH0 M-EH1-M B-ER0 W-IY1 HH-AE1 V-AH0-N T-IH0 N-AO1 D-AH0 B-AH0-L


books by, i think it was 12 authors and we had 250 users. right now we have, and this is all with [inaudible]

B-UH1-K-S B-AY1 AY1 TH-IH1-NG K-IH1 T-W-AA1-Z T-W-EH1-L V-AO1 TH-ER0 Z-AH0-N D-W-IY1 HH-AE1-D T-UW1 HH-AH1-N D-R-AH0 D-AH0-N-D F-IH1-F T-IY0 Y-UW1 Z-ER0 Z-R-AY1 T-N-AW1 W-IY1 HH-AE1 V-AH0-N-D DH-IH1 S-IH1 Z-AO1 L-W-IH1 DH-IH0 N-AO1 D-AH0 B-AH0-L


right now is to get readers because ultimately that's what the authors want.

R-AY1 T-N-AW1 IH1-Z T-UW1 G-EH1 T-R-IY1 D-ER0-Z B-IH0 K-AO1 Z-AH1-L T-AH0 M-AH0 T-L-IY0 TH-AE1-T S-W-AH1-T DH-AH0 AO1 TH-ER0 Z-W-AA1-N-T


and so one problem we saw as being a reader is i go to these websites, and even the big one, i go to the website and it's really-

AH0-N-D S-OW1 W-AH1-N P-R-AA1 B-L-AH0 M-W-IY1 S-AO1 AE1-Z B-IY1 IH0 NG-AH0 R-IY1 D-ER0 IH1 Z-AY1 G-OW1 T-UW1 DH-IY1 Z-W-EH1-B S-AY2-T S-AH0-N D-IY1 V-IH0-N DH-AH0 B-IH1 G-W-AH1 N-AY1 G-OW1 T-UW1 DH-AH0 W-EH1-B S-AY2 T-AH0-N D-IH1-T S-R-IH1 L-IY0


the book covers where we actually put it to where it looks like a spine on the left side of the books that we do that on every book cover. and so what we're doing is , and this is going to develop

DH-AH0 B-UH1-K K-AH1 V-ER0 Z-W-EH1 R-W-IY1 AE1-K CH-AH0 W-AH0 L-IY0 P-UH1 T-IH1-T T-UW1 W-EH1 R-IH1 T-L-UH1-K S-L-AY1 K-AH0-S P-AY1 N-AA1-N DH-AH0 L-EH1-F-T S-AY1 D-AH1-V DH-AH0 B-UH1-K-S DH-AE1 T-W-IY1 D-UW1 DH-AE1 T-AA1 N-EH1 V-ER0 IY0 B-UH1-K K-AH1 V-ER0 AH0-N-D S-OW1 W-AH1 T-W-ER0 D-UW1 IH0 NG-IH1 Z-AH0-N-D DH-IH1 S-IH1-Z G-OW1 IH0-NG T-UW1 D-IH0 V-EH1 L-AH0-P


over time. that was one thing that i never saw on other sites that i didn't feel like i had a great experience. so we're going to work really hard on making the experience.

OW1 V-ER0 T-AY1-M DH-AE1 T-W-AA1 Z-W-AH1-N TH-IH1-NG DH-AE1 T-AY1 N-EH1 V-ER0 S-AO1 AA1 N-AH1 DH-ER0 S-AY1-T-S DH-AE1 T-AY1 D-IH1 D-AH0-N-T F-IY1-L L-AY1 K-AY1 HH-AE1 D-AH0 G-R-EY1 T-IH0-K-S P-IH1 R-IY0 AH0-N-S S-OW1 W-ER0 G-OW1 IH0-NG T-UW1 W-ER1 K-R-IH1 L-IY0 HH-AA1-R D-AA1-N M-EY1 K-IH0-NG DH-AH0 IH0-K-S P-IH1 R-IY0 AH0-N-S


really nice for the reader. and we're going to work towards bringing in more readers and we're hoping, or we're working to bring in 30,000 readers over the next year-

R-IH1 L-IY0 N-AY1-S F-AO1-R DH-AH0 R-IY1 D-ER0 AH0-N D-W-ER0 G-OW1 IH0-NG T-UW1 W-ER1-K T-AH0 W-AO1-R-D-Z B-R-IH1 NG-IH0 NG-IH0-N M-AO1-R R-IY1 D-ER0 Z-AH0-N D-W-ER0 HH-OW1 P-IH0 NG-AO1 R-W-ER0 W-ER1 K-IH0-NG T-UW1 B-R-IH1 NG-IH0-N TH-ER1 D-IY0 TH-AW1 Z-AH0-N D-R-IY1 D-ER0 Z-OW1 V-ER0 DH-AH0 N-EH1-K-S T-Y-IH1-R


because everybody wants to get better. and so you'd love to be able to take that feedback and do something with it. and what i like about how open you guys have been

B-IH0 K-AO1 Z-EH1 V-R-IY0 B-AA2 D-IY0 W-AA1-N-T-S T-UW1 G-EH1-T B-EH1 T-ER0 AH0-N-D S-OW1 Y-AH1 D-L-AH1-V T-UW1 B-IY1 EY1 B-AH0-L T-UW1 T-EY1-K DH-AE1-T F-IY1-D B-AE2 K-AH0-N-D D-UW1 S-AH1-M TH-IH0 NG-W-IH1 DH-IH1 T-AH0-N D-W-AH1 T-AY1 L-AY1 K-AH0 B-AW1-T HH-AW1 OW1 P-AH0 N-Y-UW1 G-AY1-Z HH-AE1-V B-IH1-N


today- [inaudible] he can get some constructive criticism that actually doesn't go out [inaudible 00:00:22]. and that to me, i think is again, building on the strengths of what i like.

T-AH0 D-EY1 IH0 N-AO1 D-AH0 B-AH0-L HH-IY1 K-AE1-N G-EH1-T S-AH1-M K-AH0-N-S T-R-AH1-K T-IH0-V K-R-IH1 T-IH0 S-IH2 Z-AH0-M DH-AE1 T-AE1-K CH-AH0 W-AH0 L-IY0 D-OW1 S-AH0-N-T G-OW1 AW1 T-IH0 N-AO1 D-AH0 B-AH0-L Z-IH1 R-OW0 AW1 ER0-Z Z-IH1 R-OW0 M-IH1 N-AH0-T S-AH0-N-D T-W-EH1-N T-IY0 T-UW1 S-EH1 K-AH0-N-D Z-AH0-N-D DH-AE1-T T-UW1 M-IY1 AY1 TH-IH1-NG K-IH1 Z-AH0 G-EH1-N B-IH1-L D-IH0 NG-AA1-N DH-AH0-S T-R-EH1-NG-K-TH S-AH1 V-W-AH1 T-AY1 L-AY1-K


so to start out as a reader, check it out, dip your toe in the pool, and then put your book up there as an author. and again, for me, as someone who is primarily interested in...

S-OW1 T-UW1-S T-AA1-R T-AW1 T-AE1 Z-AH0 R-IY1 D-ER0 CH-EH1 K-IH1 T-AW1-T D-IH1 P-Y-AO1-R T-OW1 IH0-N DH-AH0 P-UW1 L-AH0-N-D DH-EH1-N P-UH1 T-Y-AO1-R B-UH1 K-AH1-P DH-EH1 R-AE1 Z-AE1 N-AO1 TH-ER0 AH0-N D-AH0 G-EH1-N F-AO1-R M-IY1 AE1-Z S-AH1 M-W-AH2-N HH-UW1 IH1-Z P-R-AY0 M-EH1 R-AH0 L-IY0 IH1-N T-R-AH0-S T-AH0 D-IH0-N


it's so much more complicated and interesting than your traditional slide show. so what you can do is you can go to animoto.com. they also have an android app and they have

IH1-T-S S-OW1 M-AH1 CH-M-AO1-R K-AA1-M P-L-AH0 K-EY2 T-AH0 D-AH0-N D-IH1-N T-R-AH0-S T-IH0-NG DH-AE1 N-Y-AO1-R T-R-AH0 D-IH1 SH-AH0 N-AH0-L S-L-AY1-D SH-OW1 S-OW1 W-AH1 T-Y-UW1 K-AE1-N D-UW1 IH1 Z-Y-UW1 K-AE1-N G-OW1 T-UW1 AE2 N-IH0 M-AA1 T-AH0 K-AH0-M DH-EY1 AO1-L S-OW0 HH-AE1 V-AE1 N-AE1-N D-R-OY2 D-AE1 P-AH0-N-D DH-EY1 HH-AE1-V


[inaudible] so i created a trailer for the mustache webcomic, which i'll link to in the show notes of this episode. i created a-

IH0 N-AO1 D-AH0 B-AH0-L S-OW1 AY1 K-R-IY0 EY1 T-AH0 D-AH0 T-R-EY1 L-ER0 F-AO1-R DH-AH0 M-AH1-S T-AE2 SH-W-EH2-B K-AA1 M-IH0 K-W-IH1 CH-IH1-L L-IH1-NG-K T-UW1 IH0-N DH-AH0 SH-OW1 N-OW1-T S-AH1-V DH-IH1 S-EH1 P-AH0 S-OW2 D-AY1 K-R-IY0 EY1 T-AH0 D-AH0


give us the data or make the data available.

G-IH1 V-AH1-S DH-AH0 D-EY1 T-AH0 AO1-R M-EY1-K DH-AH0 D-EY1 T-AH0 AH0 V-EY1 L-AH0 B-AH0-L


wait, i didn't know chris hemsworth was australian. i've

W-EY1 T-AY1 D-IH1 D-AH0-N T-N-OW1 K-R-IH1-S HH-EH1-M SH-AO2-R TH-W-AA1 Z-AO0-S T-R-EY1 L-Y-AH0 N-AY1-V


heard rumors of rita. not really sure what they're planning here, but-

HH-ER1 D-R-UW1 M-ER0 Z-AH1 V-R-IY1 T-AH0 N-AA1 T-R-IH1 L-IY0 SH-UH1 R-W-AH1-T TH-EH1-R P-L-AE1 N-IH0-NG HH-IY1-R B-AH1-T


i just got hit by a walmart truck, of course i'm taking his job.

AY1 JH-AH1-S-T G-AA1-T HH-IH1-T B-AY1 AH0 W-AO1-L M-AA2-R-T T-R-AH1 K-AH1-V K-AO1-R S-IH1-M T-EY1 K-IH0-NG HH-IH1-Z JH-AA1-B


and you get to see him magnetically return the knives back to his hand.

AH0-N D-Y-UW1 G-EH1-T T-UW1 S-IY1 HH-IH1-M M-AE0 G-N-EH1 T-IH0 K-AH0 L-IY0 R-IH0 T-ER1-N DH-AH0 N-AY1-V-Z B-AE1-K T-UW1 HH-IH1-Z HH-AE1-N-D


the last scene that you see him in, when he's getting into the elevator, max goes 'smythe, you can't do this to me smythe it's my birthday". and he's like,

DH-AH0 L-AE1-S-T S-IY1-N DH-AE1 T-Y-UW1 S-IY1 HH-IH1 M-IH0 N-W-EH1-N HH-IY1-Z G-EH1 T-IH0 NG-IH0-N T-UW1 DH-AH0 EH1 L-AH0 V-EY2 T-ER0 M-AE1-K-S G-OW1-Z S-M-AY1 DH-Y-UW1 K-AE1-N-T D-UW1 DH-IH1-S T-UW1 M-IY1 S-M-AY1 DH-IH1-T S-M-AY1 B-ER1-TH D-EY2 AH0-N-D HH-IY1 Z-L-AY1-K


"yes, i am stoked because i own the first krantz mysterio and that price just skyrocketed". so i'm quite happy...

Y-EH1 S-AY1 AE1-M-S T-OW1-K-T B-IH0 K-AO1 Z-AY1 OW1-N DH-AH0 F-ER1-S-T K-R-AE1-N-T S-M-IH0-S T-IH1 R-IY0 OW0 AH0-N-D DH-AE1-T P-R-AY1-S JH-AH1-S-T-S K-AY1 R-AA2 K-AH0 T-IH0-D S-OW1 IH1-M K-W-AY1-T HH-AE1 P-IY0


well, have you read any of the young avengers book?

W-EH1-L HH-AE1 V-Y-UW1 R-EH1 D-EH1 N-IY0 AH1-V DH-AH0 Y-AH1 NG-AH0 V-EH1-N JH-ER0-Z B-UH1-K


ooh that's awesome. i like that.

UW1 TH-AE1-T S-AA1 S-AH0 M-AY1 L-AY1-K DH-AE1-T


wow, so look at that. so not only are you giving back, but you're getting back, kids.

W-AW1 S-OW1 L-UH1 K-AE1-T DH-AE1-T S-OW1 N-AA1 T-OW1 N-L-IY0 AA1 R-Y-UW1 G-IH1 V-IH0-NG B-AE1-K B-AH1 T-Y-UH1-R G-EH1 T-IH0-NG B-AE1-K K-IH1-D-Z


drawn to comics, not really sure what that is... drawn to comics, reward card, get 20% off

D-R-AO1-N T-UW1 K-AA1 M-IH0-K S-N-AA1 T-R-IH1 L-IY0 SH-UH1 R-W-AH1-T DH-AE1 T-IH1-Z D-R-AO1-N T-UW1 K-AA1 M-IH0-K S-R-IH0 W-AO1-R-D K-AA1-R-D G-EH1-T T-W-EH1-N T-IY0 P-ER0 S-EH1-N T-AO1-F


your sixth purchase of $20, i think that's for a place in arizona though. so i highly doubt i will ever be using this.

Y-AO1-R S-IH1-K-S-TH P-ER1 CH-AH0 S-AH1-V T-W-EH1-N T-IY0 D-AA1 L-ER0 Z-AY1 TH-IH1-NG-K TH-AE1-T-S F-AO1 R-AH0 P-L-EY1 S-IH0 N-EH2 R-IH0 Z-OW1 N-AH0 DH-OW1 S-OW1 AY1 HH-AY1 L-IY0 D-AW1 T-AY1 W-IH1 L-EH1 V-ER0 B-IY1 Y-UW1 Z-IH0-NG DH-IH1-S


nope, i have not seen it. so i think we're going to wait just a little bit. i've heard it's actually been really good.

N-OW1 P-AY1 HH-AE1 V-N-AA1-T S-IY1 N-IH1-T S-OW1 AY1 TH-IH1-NG K-W-ER0 G-OW1 IH0-NG T-UW1 W-EY1-T JH-AH1-S T-AH0 L-IH1 T-AH0-L B-IH1 T-AY1-V HH-ER1 D-IH1-T S-AE1-K CH-AH0 W-AH0 L-IY0 B-IH1 N-R-IH1 L-IY0 G-UH1-D


if you listen to our podcast then i say you should listen to socially awkward.

IH1 F-Y-UW1 L-IH1 S-AH0-N T-UW1 AW1 ER0 P-OW1-D K-AE2-S-T DH-EH1 N-AY1 S-EY1 Y-UW1 SH-UH1 D-L-IH1 S-AH0-N T-UW1 S-OW1 SH-AH0 L-IY0 AA1 K-W-ER0-D


i went to the marvel universe live!

AY1 W-EH1-N-T T-UW1 DH-AH0 M-AA1-R V-AH0 L-Y-UW1 N-AH0 V-ER2 S-L-AY1-V


now you kind of heard a little bit of the synopsis of this episode, right? of this, of the season,

N-AW1 Y-UW1 K-AY1-N D-AH1-V HH-ER1 D-AH0 L-IH1 T-AH0-L B-IH1 T-AH1-V DH-AH0 S-IH0 N-AA1-P S-IH0 S-AH1-V DH-IH1 S-EH1 P-AH0 S-OW2 D-R-AY1 T-AH1-V DH-IH1 S-AH1-V DH-AH0 S-IY1 Z-AH0-N


whatnot. oh, grimm and sleepy hollow are two shows i need to get into apparently. so...

W-AH1 T-N-AA2 T-OW1 G-R-IH1 M-AH0-N-D S-L-IY1 P-IY0 HH-AA1 L-OW0 AA1-R T-UW1 SH-OW1 Z-AY1 N-IY1-D T-UW1 G-EH1 T-IH0-N T-UW1 AH0 P-EH1 R-AH0-N T-L-IY0 S-OW1


yeah, we watch grimm and sleepy hollow. so those are the shows we'd rather watch than constantine or whatnot. but i mean, eventually we're going to have a day where we're just going to sit down and just watch everything.

Y-AE1 W-IY1 W-AA1-CH G-R-IH1 M-AH0-N-D S-L-IY1 P-IY0 HH-AA1 L-OW0 S-OW1 DH-OW1 Z-AA1-R DH-AH0 SH-OW1 Z-W-EH1 D-R-AE1 DH-ER0 W-AA1-CH DH-AE1-N K-AA1-N-S T-AH0-N T-IY2 N-AO1 R-W-AH1 T-N-AA2-T B-AH1 T-AY1 M-IY1 N-IH0 V-EH1-N CH-AH0 W-AH0 L-IY0 W-ER0 G-OW1 IH0-NG T-UW1 HH-AE1 V-AH0 D-EY1 W-EH1 R-W-ER0 JH-AH1-S-T G-OW1 IH0-NG T-UW1 S-IH1-T D-AW1 N-AH0-N-D JH-AH1-S T-W-AA1 CH-EH1 V-R-IY0 TH-IH2-NG


oh, that would also be a good one too.

OW1 DH-AE1 T-W-UH1 D-AO1-L S-OW0 B-IY1 AH0 G-UH1 D-W-AH1-N T-UW1


well, let me ask you this. did the guy that he's beating the crap out of with the can, did he look familiar?

W-EH1-L L-EH1 T-M-IY1 AE1-S K-Y-UW1 DH-IH1-S D-IH1-D DH-AH0 G-AY1 DH-AE1-T HH-IY1-Z B-IY1 T-IH0-NG DH-AH0 K-R-AE1 P-AW1 T-AH1 V-W-IH1-DH DH-AH0 K-AE1-N D-IH1-D HH-IY1 L-UH1-K F-AH0 M-IH1 L-Y-ER0


honestly, for some reason to me it looked like eugene.

AA1 N-AH0-S T-L-IY0 F-AO1-R S-AH1 M-R-IY1 Z-AH0-N T-UW1 M-IY1 IH1 T-L-UH1-K T-L-AY1 K-Y-UW0 JH-IY1-N