Right Good morning yes most of us we
kind of chit chat a little bit and

to start out just curious how many people
have heard of daily money management

probably two or three so
it's pretty good it's better than normal.

You know normally what a yet.

They would jump up I'll give you a little
bit of background about me and our company

and then going to some statistics and
information on financial fraud abuse and

then some of the solutions from
the state federal and state level and

then we'll wrap up some cases from
clients that we've actually served.

And I'll try to get through pretty quick
because we'll probably try to end by

ten thirty ish maybe.

So try to get through fairly quickly I
won't spend too much time on on the on

the slides thank you for having me and
I appreciate it and I will get started.

OK So just to quote to begin a little bit
about myself and my background and why I'm

here in the last sentence of this quote
The gold is in the work that we do and

I think a lot of us can feel that and our
role is in our industries and I know for

me and with what I'm doing now that really
resonates very deeply with me you know

my background was in you know after
school I worked in public accounting and

had a wonderful job with a wonderful boss
and I could still be in that job and

be living a wonderful life but yeah I just
was an engaged with my work when I was

in that profession and I knew that there
was something else I could do leveraging

who I am as a human as an individual and
you know my skills my education but

connecting a little bit more with
the community and I learned about

it March of two thousand and twelve and at
that time I decided to make the jump and

really be able to take my
financial background and

really leverage that knowledge and skills.

Set and apply it to really a group of
people that really are in need of the help

some very committed to the senior
care world the industry in

we take that myself and my company very
seriously that responsibility you know and

being a part of that ecosystem and that
we've used that word a couple times but

this is such a diverse group to help
you know the aging population and so

we're happy to be a part of that solution.

So.

I hear your client and really I
think the ideal financial team and

some of these most of your prior heard
of you you've got your legal items which

would be your power of attorney
here advance health care directive.

Will is an important item so
particular aging that's going to be

handled by your legal side your attorneys
you've got your insurance you've got long

term care insurance you've got health care
insurance you've got Medicare insurance

you have insurance specialists you've got
your tax paying we all know about taxes

unfortunately it's something most of us
I think all of us have to do every year

right so you know about taxes you
know about financial planning and

generally financial planning is going to
be your more traditional asset management

where someone you know we
begin our young careers and

then as we grow we get older we try to
protect and accumulate our assets and

then when we get to retirement then that's
distribute to us as retirement income so

that we typically know about our financial
planner and then we jump into daily

money management and you know we've got
a few folks that know about it here but

that's it's been around for

a while but relatively new not
many people know about it.

But with Daily Mail
management that's a key item

particularly with their
with their aging group but

they may managers going to be someone that
helps with the individual you know day to

day financial tasks you know
we're all here we're healthy for.

Sickly cognitively.

But we're going to be helping people with
things like reviewing their mail paying

their bills in some
cases even being able to

be their power of attorney you know
being able to help them be that advocate

that they might not necessarily have and
when we talk about some case studies

little bit later there is one claim
particular I mean we first are working

with him we actually called his credit
card company I think it was Citibank.

On the phone on a conference call and
when we started talking to the machine

he thought the automated machine was
a human and you know I mean it just says

no no no you know that's that's kind of
a cute little moment but we said no it's

not that's not the person you know we need
to go a little bit further and the menu

before we actually get to a person but
he didn't know any better you know and

in cases like that it happens all the time
all over the place all day every day.

OK.

Maybe it's it doesn't
discriminate on Asia.

You know and then another thing
we'll talk about which is really key

is the personal financial statement and

we cover that a little bit more
a little bit a few minutes.

So you know our goal is a company and
what we do you know is really piece.

You're protecting from financial fraud and
elder abuse ensuring our

finances are healthy avoiding loss and.

Through those first three items we're
creating comfort for our client and

again I have another example in our case
a to talk about claim when we first met

him he was not living in peace mainly
because of bills and financial.

Financial matters they
used trying to face.

So create comfort and then ultimately
we help our clients live in peace

by helping them manage
these day to day items.

So what makes this unique is
that over the last few years he.

He had built a business and

created a model to where we can help
people economically and efficiently and.

You charge them generally a flat fee per
month so they're not you know getting

nickel and dimed or worried so much about
the hourly rate is a big issue that we run

into when people do find out what we
do once we get past the trust and

they understand we do then they
certainly can my gosh you know your.

Accountant C.P.A. You know you're
to charge me way too much money and

I'm not going to forgive and I have to
tell these people no no no you know we

were able to help you do this you know for
a reasonable fee and so

typically we charge one to five percent
of someone's income to help manage

their financial matters and you know
to give you a comparison if somebody

becomes incapacitated and there they don't
have a power of attorney in place and

they have to go to probate
court the most recent.

Most recent checked about a few weeks ago
with an elder care tree here in Atlanta

in Fulton County someone's
incapacitated and

they go to probate court probate
courts going to charge him.

Soon after send an income and
to have percent on expenses so

for any given client are you given day
you were going to be you know either

the same cost but in most cases really
less expensive than probate court and

then also you don't have to if we if we
can prepare in advance enough time and

have you know something in
place before that cognitive or

that is going to happen and then you
don't have the headaches of going to

probate court either for you and
or your family or loved ones.

So how do we help so that.

You know our clients the people that
we serve are generally going to have

cognitive or physical impairments so
think about.

You know dimentia all Simers Parkinson's.

Stroke victims that have memory impairment

people with arthritis
people with vision issues.

People that even to people with substance
abuse and or possibly depression.

All these different types of people are
going to depending on the complexity and

the extent of their cognitive or
physical illness or ailment.

And then in cases they're probably going
to at least need help if not I mean not be

able to do this kind of day to day
financial tasks at all so I mean those

are really the core people that we're
here to serve and to help and I think.

Statistically I think they say people
over the age out of over the age of

eighty one out of four will have
some sort of cognitive impairment.

Which is pretty significant and I think
as we all know the aging population and

you know so in a few years there's be
quite a few people that could need help.

Our community involvement you know
obviously we're here Georgia Tech.

Here we've also been involved at
Emory University we've forgiven a class on

financial fraud in elder abuse
through their hourly program for

the going back to those in sixteen as
well as in two thousand and seventeen and

then and that course we go over quite
a bit of you know whether the sits in

behind the issue you know who's effect
we go over the different types of scams.

You know what are some of the symptoms
of the scams as well as and

then you know typically clues
on how to really prevent.

You know and how can we keep
this from happening to people.

So the big picture so we have growing
older adults we have complex financial

tools we were joking earlier
Susan about the computer I will.

You know we'll give too much information
but we were kind of confused because we

couldn't get the jump drive to work and
you know when you.

I mean we're not we're not seniors
you know we're both I think for

both smart people and we are competent and
capable but we even we had a problem with

the computer for just a couple minutes and
then kind of joked and said you know if

we're having an issue what about someone
that's in their seventies or eighties or

ninety's that has some sort
of cognitive cognitive or

physical impairment I mean I mean they're
going to have a really difficult time

trying to manage technology if there is
a quote somewhere at some point that said.

It's like something they've seen years
it's not that seniors don't like

technology they stole a technology created
for a twenty year old you know just and

then just like a twenty year old would
like technology that's created for

a ninety year old.

I mean I could yeah this is very casual so
you can jump in.

Here.

OK sure.

Yeah.

Yeah yeah yeah.

Yeah.

Yeah yeah.

Yeah.

Yeah.

Yeah yeah.

Yeah.

Yeah right.

Yeah.

Trying Yeah that's right I mean there's so
many different angles in this it make it

so complex fear you know I mean we're
aging it's getting older that's associated

death you're losing independents and
you know it's money and you know when

people would tell you a lot of things
before they talk to you about their money.

So there's just so many different but
you appreciate that it's who you were

working on it so
we're there you know one by one.

And well we're going to keep moving but

the way you just said about you
know the fear well if we don't

address the fear I mean that can lead to
financial disaster and I'm sure we've all

heard stories of at least someone in the
community that's been taken advantage of.

So you know we have a nurse here
a retired nurse and you know Debra and

I were talking before
we search speaking and.

It was a lot of times where we pay
attention to our health our physical

health and I mean in the grand scheme of
life you know your physical How does your

most import because if you don't have your
physical health your I mean we could you

know will pass away I mean we go into
a dimension that we're you know depending

on spiritual or religious beliefs we
don't know where that goes right so

your physical health is your primary your
financial health I would say probably

a pretty close secondary item because
we need money to live to do things and

we do a good job with our health but
we need to work on our financial health.

You know in paying attention to
the issues in addressing the fear and

all these taboo topics and subjects and
hopefully get to a point where if

someone becomes we go to the doctor and
we get we were diagnosed with.

Dementia or even Parkinson's or
whatever it is and

we say OK I'm here right now and six
months or one year or whatever that is I'm

not going to be able to do these things so
what do I need to do now to get paired and

make sure that I'm protected on different
parts of my life and I think those kind of

a part of the ecosystem and really you
know all working together to help get

these individuals the protection
the services they need you know.

I mentioned earlier you know the different
illnesses that people face and

then there's also financial capacity
which is really your ability to make

judgments with even more basic math you
know reconciling a checkbook adding and

subtracting and there are findings in
studies and statistics out there that

people just stupid natural aging will
not they're due to their capacity

can decrease and we'll talk about that and
our first case study where they don't have

any really diagnose they call Simers
dementia Parkinson's but they just their

ability to analyze a situation the numbers
that are presented and then to make sense

of it has declined just like our physical
body can decline our minds can to.

You know there's various statistics but
it's reported that

really one out of forty four cases get
reported fraud and out or abuse and

I think in and the various levels and
complexity of fraud and abuse at.

A definite think that's pretty spot on and

it's a very it's a forty billion
dollars a year industry.

So there's a lot of people in the world
that have their eyes on it and

basically are viewing
this is an opportunity.

To make money.

You know whether it's you
know of family members or

people in the community or
people around the world.

If you think about the amount of wealth
that's controlled by seniors and we've got

a big you know large aging population from
a business perspective that's going to be

constant cash flow going to these people's
retirement accounts and criminals they're

con artists for a reason they're very
sophisticated they're very intelligent

they have very large databases of people
who are aging and if they can through

today SEC knowledge reach out to two three
four hundred five hundred people a day and

tap into one or two or five or ten and
get one hundred bucks or you know thousand

dollars from each of them that can add up
day over day you know throughout the year.

That's.

How many people have heard
of adult protective services

you have that's pretty good so
you know it's amazing even

in the community you know going around
to different retirement centers

retirement community senior centers you
know talking to seniors it's amazing

how many folks don't know what
adult protective services is.

You know an eighty nine percent of cases
reported to A.P.'s are people living in

the community and we say living in
the community these are people that

are living in their home they're
not living in a nursing home or

assisted living facility you know for
the most part they're on their own.

Too quick and as I just mentioned
with the aging population.

They control a substantial amount
of our country's wealth so

it's a huge opportunity for
people to prey on these people.

So the key here is prevention right
I mean that's what we're here to talk

about really is to how can we
really prevent this from happening.

So actually I was introduced to this
report earlier in the year actually

through the tax age and it's if you know
wonderful report I think it was when

the first times I actually read something
you know material that actually discussed

prevention you know there's a lot of
resources out there from the federal level

and the state level you have watched and
you to some of the on

the Capitol Hill some of their their their
committee meetings on aging and they're

been if sometimes I just wanted to jump in
to the video and talk to these people and

just say we need education we need
that we need we need outreach we need.

You know we need adult protective services
we need the police we need the G.B.I.

we need all these different
enforcement agencies but

a lot of times I feel like we're
failing to address the prevention and

that's exactly what this report did and
it really reached out to the federal

government and the state government
said hey we need to do a better job

you know really on helping these
people prevent issues from happening.

Some of the notable findings from
this report you know they they

directly identify the need that seniors
need help managing money they noted

that even the children of these folks are
worried about forty percent are worried

about their parents ability manage money
they've identified that even from.

Their Is A say he was in two thousand and

ten Utah they they they quantify they
they went through a number of I think is

eighty cases and
into those in ten eighty cases of finance.

Fraud and elder abuse.

Costs the state six
million dollars roughly So

you know if we did some math and
think about how you could quantify that

if we think that the industry overall
is a forty billion dollar industry and

we broke it down per case level and
how many cases are out there and

I mean you could try to fake quantify it
put it by state I mean we're getting into

some pretty significant numbers and
we should all be concerned because

if someone becomes destitute or gets
taken advantage of then that means that.

As the tax payers we're going to be paying
for them to help them through their state

programs and that's also addressed in
the past report is that when someone gets

scammed to ripped off number when they're
older they're not they're not twenty or

thirty or forty or even fifty or sixty
they're usually later in life they're not

going to another job they're not going to
be able to replenish their bank account

and so what happens the family takes
care of them or a government program.

So it's a you know it really benefits all
of us not even not only the senior but

all of us to help protect
these individuals.

You know and they'd begin in the report
they directly mention financial monitoring

which I mean is just wonderful I mean we
should we could just take this report and

give It's every single person
in the United States so

they know what we need to do and
the banks they then they did these

pacifically say the credit card companies
and the banks and we could talk to a bit

more of that after we get done the
presentation about the solutions there but

for whatever reason the banks have
been slow to adapt the technology

no longer atoms in updating their systems
to be more preventative in nature.

So we have that's a challenge over facing
still so the solution is financial

monitoring I mean that's really
how you protect people and.

For all of us in our what
age are we should all be.

Our position daily weekly monthly and
particularly for people that are aging

I mean just like we monitor our health and
we have different tools and systems for

the various illnesses that we face
that can monitor health we need to be

constantly monitoring our
position by naturally.

You know it was any We're going through
we're looking at checking in savings

credit card accounts.

Checking those main accounts
where money's coming in and

going out on a day to day basis.

You know a financial statement
mentioned earlier and

that's really a key component me
really all the should have financial

statements you know really minutes of
wishful thinking but but really we

should all be checking our position you
know every month like Georgia Tech big

institution they're checking their
position probably all the time you know to

understand where their money's going where
it's coming and where it's going out.

And that way if you see something
unusual if there is a senior and

utterly person person with a cognitive or
physical impairment and you're in in there

getting help whether it's the family or
friends or a business like ours or

whoever that is maybe they have a budget
it's five thousand dollars a month and

they say OK we're reviewing the budget OK
This month it was supposed to be five but

now this month it was ten and so

why was it you know why did they
spend ten thousand dollars this month

you know what happened here and
then you can dig in a little bit further.

And you say what way home services you
know five thousand dollars check OK well

they got the house painted OK So so
we can identify where that money went and

make sure it was accurate if it was
in if it was something unusual or

fraudulent maybe maybe they got
a phone call maybe they got an e-mail

you can intervene and discuss with
this person if they're capable if not

you talk to their trusted network and and
you can prevent it from recurring I mean

he can't necessarily prevent
every single instance of fraud.

And I would say that you can stop
it before it goes out of control.

OK So the first case study
this is German We met.

A few over four years ago now and then
earlier when I referenced peace when I

first met this guy he was never when
we met he was constantly distraught he

was always always upset he was always
you know I've got this bill to pay I've

got I've got my computer my computer froze
and you know I've got a virus you know I

can't I don't know what I'm doing you know
this is too much you know I don't want to

deal with this and you know it really
felt for maybe empathize you put

yourself in those position the shoes he
doesn't understand a computer he's having

you know we call it city and he thought he
was talking to you know a person who is

a machine all these different things
you can let me just see he was.

Not totally defeated the close and so

we were recommended
referred to this gentleman.

You know by a financial advisor and
base he was over budget and

the financial advisor was
concerned that this gentleman

would outspend his assets
before his life expectancy and

he's in his early eighty's he's
supposed to live to maybe one hundred.

And so we came in and the financial
They said look I just don't know

where the money's going and
so we jumped in.

And started helping this guy
under identify the patterns and

identify where the money was going.

You know monitoring the accounts
assisting with paperwork at one point

they had a long term care of both
this gentleman and his wife and

his wife by the way who is actually
mentally very coherent very very sharp but

she's physically in a wheelchair she
has a lot of physical ailments and so.

She actually is the one that helps
forward the mail to our business.

But on a day to day basis I'm dealing
with this gentleman and his daughter.

They almost lost their long term care
policy because they they didn't get

the bill payment when we first start
working we didn't know they had the policy

and then all of a sudden you know a few
weeks later if they get the bill and

we say geez now we got
a call these people and

we luckily you know through our help
we're able to get that service.

Reinstated.

And additionally in this particular case
we ultimately became power of attorney for

this gentleman in case as we discussed
earlier he does become fully incapacitated

we can step in and help him and make
sure things still get taken care of but

really you know the big he is guidance
you know in this in this situation

you know we were able to
help these people kind of

get their ducks in a row you know those
system and make sure they could start

understanding their position understand
where their money was going and

then and through the process
help them actually do it.

This other case study.

This particular gentleman is a stroke
victim and he had a stroke in twenty

fourteen and because of that stroke
it's affected his memory and when I

first met with them we were sitting there
talking and and in the first few minutes I

thought wow you know he's got an Excel
file here you know his accounts listed and

he I thought he had a pretty good
idea of what need to be done but

then all the sudden he he just said
wait a minute were we talking about told

he had a moment where he's was not
able to kind of move forward and

through that impairment there's just no
way that someone in that condition would

be able to effectively keep up with
their day to day items so you know.

For getting him set up
again going through.

You know getting organized
understanding where money was going and

this particular gentleman
Scase we actually just

helped him sell as home recently it
took a lot longer than expected.

But we finally got it done and
really being a resource.

There's you know an advocate for this guy.

You know helping him you know
through the ecosystem get the right

services get the right people from
a financial perspective that he needs and.

When we first started working with
him there is a home organizer

This is when he was getting his
home ready for sale to help.

Sell his home.

I was referred to this by
an elder care attorney.

We started trying to understand you know
what was going on this guy's world and

through that this home organizer have
been charging him three thousand dollars

a month and luckily they don't even
work together for two months but

the problem was is that when we when we
went to the home we actually did go to his

home it wasn't like the were
going to his or it.

Was really doing much for me to use really
just shifting items around the house and

really redistributing stuff within
the home there wasn't we weren't

donating we weren't throwing away we
weren't selling you know we weren't having

an estate you know we weren't we weren't
helping this gentleman move in so

we talk talk to elder care tourney and
we came to the conclusion that this person

was just kind of beefing up the you know
they were just padding the bill you know

they would bring two or three helpers and
just spend you know a few days a month.

Number of hours per month and
then just send this guy a big bill and

this particular client he did had
Honan a couple their assets but

he's between his health conditions and
issues and his in his current financial

position he just turned sixty five I
mean he's in he's in no condition to be.

Just spending money you
know three grand a month

on services particularly when they're
not really benefiting him and

his current position and so
in that case we did think that was.

A form of exploitation and

it wasn't someone you know from
a different country in a different.

The world tapping into their account
it was a little bit more kind of under

the radar it was another
vendor in the community

overcharging them basically and that case
we just we just said look you know please

you know we appreciate help but
we're going to hear.

Another issue with this gentleman he had.

Twenty five thousand are on our bill and
in this is another item we didn't know

that existed until we actually at
one point were selling the home.

And then through the research the attorney
and closing attorney found out that there

is a twenty five thousand are passed
to water bill with the city of Atlanta

and long story short we
basically had to put together.

Like almost like a like a report
of sorts to help document and

illustrate that this particular client had

tried to contact the city they contacted
their insurance they had their water lines

repaired We took photos of
the neighborhood of different water leaks

kind of scattered within about a half
mile radius of this guy's neighborhood.

We are right around the same time there's
a community less than a mile away from him

a nice condo complex that has it they
hadn't paid their water bill and

almost twenty years and they were past
two almost four million dollars And

so we pretty amazing so

once we helped this gentleman
put all this in writing and

you know I contact our city council
member who luckily I knew contacted

the Department of Water Works we explained
all this we explained his current current

condition and we said look you know this
gentleman he should be on the hook for

this water bill because if you look at the
history of the billing all year long for

the past three years it was fine all year
and there were two months usually in late

summer early fall where the bill
skyrocketed and he in our claim he had

tried to fight it early on but then after
the show he just you know I mean if he

wasn't able to really defend himself so
lucky we got it removed reduced I think

to me a thousand dollars which is
a lot better than twenty five.

And so him in.

A rental unit on the property
that Tenet split that Bill.

In this case we had a client I
was actually referred to this.

Was in early twenty fifteen
through a social worker

who'd actually met this woman
when her husband passed away and

in this case the woman's husband
had taken care of the money and

healed from the he passed away and
she was grieving through the loss and

this social worker recommend it hey you
maybe she gets to help with your finances

you know because you've never done
this before you're going through a lot

not only that but she was had been
recently diagnosed with Parkinson's so

we met with her you know we had
a meeting she actually she came with her

one of her best friends and we had a nice
chat that for about forty five minutes

she said this sounds great I need to
help but I'm not ready yet you know and

in this particular field in world as
we've discussed it's very sensitive

I mean there has to be trust there I mean
you're helping people with their money

it's not a fun topic well I said that's
fine you will connect another time so we

stayed in touch about a year later she she
reached out again said Hey I'm ready you

know I think this is you know my illness
is advanced a little bit you know got some

other things to care for me to get
the help when we first met with her she

had you know we started getting you know
getting on board again client data and

she had told me that hey look I think
I'm worried about my daughter you know

I'm not really keeping
up with my accounts but

I think she's taking money
from a she has four children.

Youngest daughter was the one that she
thought was to take advantage over so

he said OK well we'll keep an eye on that.

We'll keep an eye on your finances and if
something comes up will you know will we

talk about it so you know we went through
the summer this is last summer everything

was fine you know we talked about it
nothing too unusual Well this same woman

unfortunately she had a stroke and
August last year and so she goes in.

The hospital and.

You know we're keeping our accounts and
help her while she's in the hospital and

we found out that we were some expenses
there were some credit card charges

you know checking account charges and we
thought Wow that's unusual if this person

is there in the hospital so
they're not out doing this

who's that you know who's making
these expenses will come to find out.

The daughter I guess maybe
had a key to Mom's house.

Where the mom is in the house with the
daughter went to the home got the client

information and
started spending the mom's money.

And so in that case.

You know we went to the hospital we met
with this woman explain to her what was

going on and she said yeah that's that's
that's my daughter she's like I can

recognize some of those and that's that's
her so we on her behalf contacted A.P.S.

Adult Protective Services
made a report they contacted

their office I don't know what
the county is but it's in Macon and

they ultimately went and
intervened with the daughter and

contacted the daughter I think they
may went to her home apartment and

said hey we know what you're up to did you
do you know what's going on and confront

her about it and when I eventually went
back to the hospital to your client.

I asked Rosie who had that go you know
what happened she kind of smiled and

she said Yes she she got
the message she's scared and

she's not going to do it anymore and
that was a tough situation because

she didn't want to initially when we
met she didn't want to to get her

daughter in trouble because family and
her daughter and she was the.

She just was hesitant to do that and
that's probably a part

of the problem an issue that we
face is a lot of times fraud and

other abuse is committed by family and
then when mom or dad or grandma.

Grandpa find out they don't want to report
because they don't want to get their

children or grandchildren in trouble.

And then a number of other reasons
that they're worried about.

But in this case we were the bad guy and
when I told her I said look for a mandated

reporter in the state of Georgia they
have a list of various mandated reporters

a lot of different health professionals
social workers financial professionals and

if we see it we have to report it so
in that case so

well you're in luck because I've
got a report you can just blame

blame our company pay me and
you know that's what we did.

And for that for that matter we help.

Prevent it from occurring again.

Right so that's it so
we got through and now open up for

questions if anybody has any appreciate
your time very much in your attention and

hopefully found this interesting and.

Yeah thank you for your time.

You seem to have any questions.

We've seen.

This.

Man.

Meet Yes.

Or.

No.

Is that.

I mean.

You.

Just you know something.

You.

Know you know.

You know there are solutions
to the comedy.

In the way.

You are easy.

This is this is the easiest.

Regime.

To see and he did it from for years.

You know there's no behavior so
it's just you know for him.

It's through technology you know and
you know here.

He was you know out here
you know if you were.

Having to deal with it and
you know even on.

Ninety four and we can worry the base
is a very scary thing out here and

that's what they talk about enough or
is it being second later he's

just it's good I'll implement this
painting I already screwed visited

measure the city I mean really
really be there holding my

do you thing to give your
lover weary a sense for.

Example.

The woman.

Who did reasoning with
I foresee any shift or

a mental illness first just to try
to help her if she saw I was not

very good really if you're a she did for
her she's nervous you see.

And she hurried.

Just after us just for it when I first
heard her introduce yourself for

her after first of your service right.

We met we had a nice talk and
we said this is how you know

she said you know anything about it and
she asked me she said nature of

her friends their own place
here you know John Kerry.

Said anything worse than yours
apparently all right and

she said Now you know you know Mary and.

All that stuff we know her gave her
a we're She got a chair here you know

it was her though if you want to hear
her reading the letter so we got there.

So that inserting lawyers interest
here is your counts under dash.

So we see today on this
question her right.

And I did very well back to
go back you must be much and

I kind of think over the almost certain.

I see it was a thousand dollars being.

Way back just a couple
last few months and.

This woman gets how she said
look at my other account Sandra.

And I got.

Well I'm here for
your call and good thing.

She did and she was right sure she had
her ten thousand dollars to her again.

But now the problem is the good.

News of this is what are.

So interested now that
there's a conflict of area.

And you think.

It was my my.

My God.

You think I know you do you do and
I didn't and

she was doing it or he's an easy yes
I heard you guys are sitting here

you know you're getting a free dollar or
really.

I'm not saying this woman is in this
information in your life there's a goal

of writing up this like or
behavior but at the same time you

are going to various
debates a lovely review.

And you certainly you know
the scale of it was OK to go X.

number of lines for sixteen hours.

That.

We got very Now let's move to the next.

Hour of your feast your babies or.

Your little bit I go
to the northeast very.

Well I was first for
yours you know that's why I'm here and

you're using technology in that way which
I think should be readily available or

pretty easy pieces of the.

Technology here but there were
a reason that's not a good word she.

Will regret.

Business yes or
very very very very base but

if you mean that technology knowing these
people and it was it is a terrifying.

Just a very For these you know always
you know easy matter and you know.

For.

And you might be.

Worth it given all this change good road.

Business whether it's a big
corporation small size

doing work our worst might be
turning the center who is your

center your visit you know you shoot
very good things that are very.

First you're going to do you
have to see your center or

your theories and
warnings really for at risk.

Drivers like maybe.

This woman is in the hospital for
three months.

You know once visitor on the day.

I met her I said and she.

Was my.

Life.

They're.

My me.

Right yeah.

Right in your heart right way
right here right now and I.

Live.

Here.

I mean my.

Mind I think they are me.

Yeah I mean you know this is
this is really happening.

It's a way.

For everybody to flatter.

That it showed a bit here
to show you something here.

That I'm sure.

Are Hard lines here.

All right we're.

All so.

Good now OK.

So that was good.

For you.

Living here and I thought.

Yeah yeah I mean a good challenge and
he said he was arrested.

By.

The fighting in the US.

Drugs.

Did you know I was out here there
are solutions to people ever see.

This online tool it's basically me
fight with you for a fourth and all.

This is you do but three different.

Reasons.

For carrying it is indeed
marrying did place

you know in the sanctuary and

which is a good program here
basically right down a little car.

It's a very very you program hundred hours
and you just do the first series and.

You know who everyone has and the next
hit is the limits or at least into that.

And then you go if you're
really concerned you can.

Leave really you can prove hard and
you control over it if you can since.

It was signed.

OK.

I think.

There's here yeah you
just you are again to.

Resources from.

Beginning to different parts
of the world over here and

I think there well
especially huge opportunity.

In here and

there are a good connecting through here
there were these different resources.

There more than marijuana to shirk
from some of that's been a hospital

in the slightest you know
people there seems to shoot.

The first are going to be one of
the writers in sun or you know they're.

In NY where we work today this food that
you know their heroes here is you know

there's some out kind of their caves
are you guys are your own here.

And.

You know you see the years but
you know this year by age.

You know the mean time and
neither thirty three is.

Another huge opportunity to
deal with their first three.

Years in actually.

The past were and yet needed as
many of these are not sure yet and

there's a new solution that
they really your mission were

a very full service sector go off for life
racers so that a sector is just a little

bit behind every financial services as
a result of it and that's been you.

Know I think.

You know whom you guys.

Eat here really just to see.

What.

I do.
Safely so I'm late for this service.

And you know it's so.

Good.

To be school places to stay during my

years here as you see
there's agrees to share.

A ga ga.

GA Nazis were yesterday yet.

You see the nice things you can
raise a good here stays here like.

I for my usual stand for
your D.H. I think you're.

Going to be an excellent resource for.

Just a good many other things in
life of your own here you know we'll

be right be sure.

You're like you're going to be rich or

maybe it's our health you're really good
or your guys are going to make sure.

You know relations and
stuff like that just like their money and

giving me your nature they didn't
realize there are others out here

there's Association dealing with me.

There's been around for
anything you know you.

Have surgery patients
a lot of professionals in

their group you misunderstood
my usual sources back.

Your media today here are you saying.

That me and sister are times that
are very usual services he's serious.

If he.

Did you ask.

You know.

If you're.

Headed back.

So maybe that's this Mike.

The New Yorker.

See.

It's just business as usual getting.

First everybody leaving it just as well
as actually are with your account.

They're rare as you seem to feel.

Here right now going on.

For a few years to see if dealing
with insurers reduces Ricky.

Constantine's of the.

Hottest month experience here where
you know others might like to see.

You mention he was your robot man's
lesson was that he's all things.

Least expensive.

Yes.

You're right through.

That and you have to do the next
door to interface against.

Your Yeah like I told

you how you presented it I mean
your buttons are digging up.

The simplicity of navigation.

And you know maybe this
happened here are some sort of

smart devices a little bit louder
here's a guy you know you do but

this is very very easy
using it it depends on.

Your current theory and there's a variance
but you know I mean there's the simpler

the the word useless to be
perceived if we're here whether

journalists really are you just trying
to woo voters here just here in

the primaries and you know different
from readers on the computers or

e-mailing me you know usually to ask for
the next day challenge.

I know that I'll do gooders you know
a visual recognition you know if you can

tighten visionary vision and
how your master is very defined in

which he needed to do it then
just hold it up it OK Chris

you know it was kind of you know and
very successful that's a really

good but you didn't have to serve I mean
there's a lead you got to be sort of.

Also refers it to be a true
vision here and this.

Is you know in certain ways it's
almost in the market opening.

The stand your arms going to need some of
your help and I mean really a feverish.

And robust and you know did it anyways and

in the end you were on and
you know B C's are really.

I think by Stay here for years we
may have your own personal assistant

you know it's probably worth doing but
you're really working articles here with

that in your home and I don't know
do you feel is that the machine.

You know maybe this can steer me or.

Needed in making it in and then telling
me that I guess I don't know how far away

we are so
we did discuss this guy years ago planned.

And that's also part.

For our.

You know.

Whatever he said some of your
tunes were all or off hours.

Discussed like a revolver Cheryl
through numerous very very strong.

Things that came up was our good one.

Door Man.

I think it's only if you.

Grover it hit it right on the scanner and

you need to get into this Action Network
and that's another big talker.

But then this recommendation of
you guys a highly recommended.

Executive vice president should be state
governors to trigger words of suspicious

activity or words that go back to services
so basically media should all instances

all issues are worded to the right
authorities that it could compile state

area here now is one of the issues for
the banks was that they sure were being.

Brought in are very strict with
fish because they don't want to

cross the line of the privacy of
the client good of a survey or

a river this minute we need E.C.M.
Berger or the A.B.S.

for the government agency without regard
to their wrong or various suitors or is.

It with their same years you
can't really be seen for or.

Really being a database.

If you do for all this you know trying
to say that I exude the world as

a citizen and
you know of a robust American system and

industry appears to be able to
she didn't mail these through and

then the system says OK because there's
plenty of schemes out there that are like

very readily available where a guy or
a skier seems escape because here's a.

You know Nigerian species that did
this knew you might get it done

get on your track and then also you to
be betting against your ability and

the piece of good program that seems
Sheen to be very generous able to do so

the data they count you know
they might go to see guys that

are of the mind and
immediately of the Sheens connecting it.

And then that person or
the system could say OK.

FLATOW You know there's a send out
an orange action going through do.

A.T.C. unless it's like for.

You know early light of a flare or.

Disturb you can actually intervene.

And that's another thing about this
forest is needed here it would be

more responsive to the base
of fire you know usual

you know you work through
the things of it love to do the.

Sign of life you know and again.

Yet everything which our plan because you

mentioned the very beginning of our
independence and the importance of.

Our So I think there's a kind of balance
mean like this technology is like

things you want you know bugs all
set like he'd take the same guy for

all it really depends what
he did our history yeah.

It's a good question indeed I think
the man just really knows and

he did it was it was a big thing
it's just a bit of arbitrary

a derogatory which is
what we do sometimes.

Throughout history this stuff record will.

Need within those dark minutes

they did encourage very existence of
really phases if we did it or wavering.

There Nigerian readiness for

young readers that you know native
kind of do it with you what does.

That use you do when you're in your
home you might that you're going for

your city or a pastor over something as
again these are the powers that many of

you to me and I guess the very best in the
area you really are dense because you're

saying OK I do some of the things that we
have to be OK to do that I could do it.

And the best will be it will be done and
through there.

And some sort of visual go in that way.

Your story for.

Peter you know is this good for.

Our rights or is going for
a good nurse sixteen hours a day

think is a good start maybe some
variation and yes the ga ga.

Were firing mortar hiring hand.

Killing.

For.

Which just embrace concessions arouse or

challengers this sounds like
a very challenging verse.

And well what are some
things that you can hear and

this if you want to use that
verse out here by the stars well.

We're getting students
professionals practitioners all.

Pulled together let's see if I were
harder actually work through or

you know this is something you
guys did for some results.

Barks or
other that maybe starts where you know.

Somebody's life.

But yet you know.

That video is very very.

With great people and

next year the community that I was it
easy to reach very little to do is

just devote our you know lives each night
if you big some of those get really.

Really good is do you really want
to know what my goals are lists and

trying to get and others that.

We want to mine and
all that we could for the students and

they have like a baseball they can
start with we also want to get

their word What's a possible letter for
us that was a.

Good.

Rance.

I think there's a solution to a very very

busy as in your very unusual
sort of if you do please do so.

They.

Go over with every Thursday
during your video regular.

Service.

To tell you she hears you know your
way you have of societies during our.

Break there's going to be a very.

Nice.