my gosh. before we go, why don't we roll this. the best part of the game for me. >> dana: the beginning? >> bill: the beginning. i liked the photography. i caught the f-16s in midair and framed it -- that's good. >> dana: excellent. i wouldn't be the person for filling it. >> says, you were gracious to us in victory and my beloved bengals until next year. we push on. >> dana: we'll push on to julie banderas in for harris. hi. >> julie: thank you. g after almost 3 1/2 years the president giving americans an end date for the covid pandemic emergency. it falls nearly eight months after president biden declared the pandemic quote, was over. i'm julie banderas in for harris today.

may 11th is the date that marks the end of the crisis officially. the crisis status that we have been in since january 2020. one thing that is not ending, though, the spending. president biden showing no signs of slowing down when it comes to hand-outs. his student loan relief measure looking more expensive than initially thought. new analysis that shows biden's newly proposed income driven repayment plan will cost you taxpayers, get this, more than $360 billion in the next decade. that's on top of the almost $4 hundred 70 billion in direct loan forgiveness. it all makes for a possible escalation in the battle between the white house and republican lawmakers who say the spending must stop. >> we finally reached that point in time where enough is enough. 18 trillion in debt when i got here. a little over four years ago.

now 31 trillion. it has gotten to a point where if you don't start exercising a little bit of discipline like everyone else does in this country, all other entities, we'll be paying a big price for it. >> julie: hillary vaughn starts the hour off for us. hello. >> hello. the president making it official finally ready to declare an end to the covid national emergency just four months after he made this statement. >> president biden: the pandemic is over. we still have a problem with covid. we are still doing a lot of work on it. the pandemic is over. >> even though in september the president was clear the pandemic is over the white house is slow to end the covid national emergency now deciding to do so on may 11th as the biden administration is gearing up to take the fight to the supreme court over their sweeping student loan forgiveness plan. a plan that is now super sized

in cost. according to the penn wharton budget model one plan focused on income driven repayment of student loan debt with ties the monthly payments to the amount of money you make will cost a lot more. the group writes we estimate the newly proposed income driven repayment plan will cost between $333 to $361 billion over the 10-year budget window. more than twice as much as the cost estimate released by the biden administration. these costs are in addition to the one-time cost of direct loan forgiveness that we previously estimated at $469 billion. as the biden administration tries to approve billions of forgiveness in the name of pandemic house republicans are accounting for the money already spent in the name of covid relief and where it went. >> we want to know what is the extent of the waste? what has this administration done to try to claw back any

wasteful spending? is there a way we can claw back any spending or hold people accountable for misuse of taxpayer funds? >> julie, the president has pressed pause on student loan payments so people have not had to make those student loan payments every single month. that's supposed to expire at the end of june. but that's over a month after the president now says the public health emergency will end in may. julie. >> julie: thank you so much. we have sean duffy next. co-host of the bottom line with dagen and duffy on fox business that launched last week. congratulations to you and dagen. also a former republican congressman for wisconsin and dear friend. happy to have you on. let's talk about the proposed income driven repayment plan. it will cost up to what we just mentioned $361 billion over ten

years. that's nothing to scoff at. that's more than twice the administration's cost estimate on top of an estimated $469 billion in direct loan forgiveness. is the president using covid to cover runaway spending do you think? >> first off, the president is in the administrative state. he is trying to get around congress and forgive debt. democrats want to have college free for everybody no matter the cost or whether you go or not. if you do that you have to have a debate in congress. the american people should weigh in on that issue. joe biden is skirting that. to your point the pandemic, joe biden was right, it was over, over a year ago. i think most americans feel like what, the pandemic is not over yet? we still have pandemic policies in place? they would be shocked by that. the pandemic was a way for the administration to funnel massive amounts of money into the economy to many of their friends and they didn't want to end it. they love to spend the money. in the report you talk about how

much money we spurent. you need to show some restraint. these guys don't want to show restraint. any common sense individual in america says you can't spend that much. you have to rein it back or you will go bankrupt. i have come to the conclusion, julie, that's exactly what they want to have happen. they want to destroy the american dollar, and the american he done me. if you didn't want to do that no one would keep spending the way they are. any currency, any country that has done it in the past the music stops one day and catastrophic for its people. democrats know that but they will roll on spending until no one is willing to lend us anymore cash and we have wheelbarrows full of dollars to go to the grocery store to buy bread and eggs. >> julie: not giving -- students are the wave of the future. what example are you setting by giving free hand-outs to people saying you don't need to do the

work to put in the time to reap the rewards of an education. so again using covid and driving us into deeper debt. that is the worst example. i wouldn't teach that to my own children let alone to the future of our country. >> no doubt about that. i wouldn't teach it to my kid. the student gets the benefit of the education. i have a contract and agreement with a college or university, i go to school, i get an education and i think over the course of my lifetime i will make more money than what i spent on that education. but i don't make it up in just 5 or 10 years. it is over the course of a lifetime. you make that choice. you make that deal and if you make the deal, you have to pay the money back and to your point, what is the example to the american young people? if i don't pay back my student loans maybe i don't have to pay back my mortgage or my rent. maybe don't have to pay my credit card and all of a sudden you have the downward spiral. again, i also think federal employees have loved staying at

home. they haven't had to go to work. they will now have to come back to work on may 11th. and god help them when they go back to the office and see what real work is like again. >> julie: that's eight months since the president declared the pandemic was over. how much could we have saved when we did this eight months ago. i want to talk to you about this jury acquitted a pro-lifeer activist on federal charges after an altercation he had with a planned parenthood escort back in 2021. he claimed that he pushed a volunteer outside an abortion clinic for harassing his son. he explained it this way last night. >> 20 years i've been out there. the first time he has overstepped his bounds and my son really was the bait for him. and he says -- he throws all sorts of insult, vulgarity at me

and my son and i usually let it flow off my back like a duck. >> julie: weaponizing the federal government. this was a case that never should have been brought. his position on abortion makes him unwelcome at the height of american culture but the unpopular defendant that is most at risk of political prosecution. the d.o.j. has only charged two people for allegedly targeting crisis pregnancy centers despite the many instances as we have reported here of vandalism and threats of violence. so what say you? what is your take first of all on justice for this pro-life activist targeted by the d.o.j. of all departments? >> first off. the local prosecutor decided not to charge this case. he looked at the facts and when you have a pro-abortion worker throwing again vulgarity towards

a young kid praying in front of an abortion clinic, you know what? that doesn't fall within the federal law, number one. but then julie to think the d.o.j. went to his house with guns blazing. he mentioned 20 agents. he offered the department of justice and f.b.i. to turn himself in if they were going to charge him. i will come in and pick a date and time and come and they wanted to come and intimidate him and any other pro-lifeer went to his house and arrested him with guns drawn and hauled him out. i love the jury system. i was a prosecutor for ten years. the most fantastic part of our judicial system where you go in both sides present their cases and 12 people make a decision on guilt or innocence and if you get outside of d.c. as a republican you have a fair shot with many of these cases. inside of d.c. as we heard with many of the january 6th cases it is tough. you have a lot of 96% of democrats there. most juries are fair and want to

do justice and know that the service that they have on their jury might come back and hope the next jury will be fair if they ever find themselves in that situation. god bless this family and this jury that found him not guilty and the other pro-lifeers who want to pray for the end to abortion. >> julie: great to see you. thank you so much. congratulations on your new show. >> can't wait until you show us on "the bottom line." >> julie: i can't wait. house speaker kevin mccarthy calling out the media for another double standard on democrats who deny election results. plus vice president harris is facing new questions about her political future. members of her very own party reportedly with a dismal view of her basic political skills. the power panel joins me next. >> she is far more unpopular than she is popular. i think if she were remotely competent she would have been asked to campaign for my

candidates last fall. she is not doing a good job. u're getting into, but at the end of the day, you know you have a team behind you that can help you. not having to worry about the future makes it possible to make the present as best as it can be for everybody. ♪ ♪ ♪ ♪ ♪

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>> julie: new questions about kamala harris's political future. the "washington post" with a brutal assessment by dozens of democratic leaders in key states. they're worried about the prospect of the v.p. leading the party or even returning as vice president. the post summing up the anxiety like this and i quote. harris's tenure has been underwhaming marked by struggles at a communicator and near invisibility leaving many unpersuaded she has the force, charisma and skill to mount a winning presidential campaign. senator elizabeth warren this week stopped short of supporting

her. >> he is running again because he has gotten a tremendous amount done. >> should kamala harris. >> i want to refer to what make biden comfortable on his team. my sense is they are a team. i don't think there are any problems. i think they are a team. >> julie: she said in a statement i fully support the president and vice president's re-election together and never intended to imply otherwise. matt gorman former communications director for the house republican campaign arm. scott goldman former chair of the d.c. democratic party join me now. i listened intently to the interview more than once. when she was asked would you back president biden she said yes. when asked would you back harris as the v.p., she deferred.

she did not want to answer that question. she didn't want to say no. she is not stupid. but she did not want to answer that question. that is skirting an issue. she doesn't want to see harris nor do a lot of democrats want to see harris back in the white house ever again in any capacity. >> the tone was different. kamala harris is a terrible politician. it is deeper than that. california democrats have had a hard time on the national stage. katie porter, adam schiff and gavin newsom to an extent. if you are a democrat in california all you need is wealthy friends or compelling personal story to raise a bunch of money, carpet bomb the state with ads and fairly easy to get elected with that. you don't need to be a good campaigner or communicator but make good ads. you get exposed on the national stage.

kamala, california politics and shelter there different than national politics. >> julie: i don't think the president has much confidence in his v.p. >> i completely disagree. she has done -- i can't speak for the vice president. i can't speak for biden but i will tell you this. she won on the ticket. she is the vice president of the united states of america. she has been an attorney general for the largest state in the union. a senator and then she ran for president. that didn't work out and then she was chosen to be the vice president of the united states of america. the second most powerful position in this country. so you can have a lot of criticism whether it's from democratic insiders or the republicans, but the fact of the matter is if he doesn't run this time or maybe another four years, she is the vice president and going to be the vice president and she will be the leader in regards to the democrats who are going to be seeking to be the next president of the united states. >> julie: when you just described our vice president you

basically gave me a resume but everything leading up to her getting elected to vice president. we know what she did in california and senate. but that's not the question. the question is what have you done now as vice president? yes, you made it to this. but just because you get a job doesn't mean you are good at it. that's the question. even president biden isn't instilling much more confidence ahead of 2024 when he was asked about his future in politics and in the white house. listen to the president. listen to the president and you tell me. >> president biden: i rode the train between washington and wilmington back and forth every day. not a joke i commuted every day for 36 years. the conductor walked up and said joey baby. i thought the secret service would shoot him. do you know how many miles you've traveled over 2 million miles on amtrak? >> i will taking ay's word. >> i hold the record other than

a conductor. july he repeated a debunked story about a conversation with an amtrak conductor 20 years ago after the man retired. when this president tells stories we are talking time frame. you went through, for example. kamala harris's history. when you talk to biden about his history he doesn't know it. the man who thinks he will run for president. you have to admit he has made a lot of gaffes when it comes to recounting. i think he said he was a truck driver at some point. i don't need to list all the examples. you know what i'm talking about. >> he is telling a story. he got in wrong in regard to who he was talking to. he certainly could have had that story right. the facts are there. he had the conversation. let me tell you something, ronald reagan, donald trump or any republican president they have had a number of gaffes if you will. the man is -- he is in his late 70s, early 80s, not going to be

perfect. if i was 40 years old and the president i wouldn't be perfect. you can bring the criticism. but his legislative accomplishment and work in this economy through covid and up to now at least from a democratic perspective has been nothing but positive and a ton of legislative accomplishments. not to be denied when he had a republican party opposed to him no matter what. and so again, kamala harris has been by his side. she is president of the senate. did a lot of outreach in different states. she may have campaigned more or less but the fact of the matter is she has two more years to go, one. two, the biden administration has got to get her out there to show her skill. work up to her level of competence. if they haven't done that she deserves that opportunity, doesn't she? even republicans could agree with that. >> julie: she has had two years of an opportunity. whatever she -- >> there is a lifetime in politics. >> julie: presidential tenure is not a lifetime.

four years to prove to the american people you are worthy of that incredibly dignified office. she was given one job. she was given one job, take care of the border. >> she has many jobs at vice president. let's be fair. >> julie: one of the most pressing and critical problems in the country is illegal immigration. she was given the job to find out what the root causes of our illegal immigration where numbers have tripled in the hundreds of thousands. you want to talk about good administrative decisions. >> did you give her a magic wand? >> julie: administrative decisions talking about hundreds of trillions in debt and the covid pandemic that ended eight months ago by him and still doling out cash and you call it good for the economy? matt, final word. >> she has been vice president for two years. ran for president before that.

un un under-- she was underwhelmed on the national stage. democrats are consistently have voiced their concern. >> some democrats. >> julie: a lot of democrats. not all. they want to have a democrat in the white house. if they all turned on the democrats they would be given the party -- giving the white house to the republicans. >> she will be the person to beat if she seeks the democratic nomination. she is number two. >> the question is will she win? >> julie: matt and scott, thank you both for talking to us. fair and balanced. critics calling out president biden for being out of touch all part of the photo pushing electric vehicles. this one costs more than most americans make in a year, by the way. also targeting tiktok moms are now saying they've had it with what social media is feeding their kids. >> we worry much about the kinds of things our children are exposed to and you don't want to

be the helicopter parent but at the same time protecting them from the content out there. >> julie: why some health officials say there should be a ban on tiktok and why some in congress are willing to make that happen.

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parents. >> julie: lydia hu live with more. >> ask any parent and they'll say it is hard to break a teen of a social media habit. two out of three american teens say they use tiktok. one concern here is jeopardizing mental health. growing research shows the connection between social media use and depression. according to the pew research center, anxiety or depression is a top concern among parents with more parents worried about mental health than concerned about being -- kids being bullied or using alcohol or drugs or even getting shots. watch this. >> i think the use of social media in an unsupervised rampant manner leads to a lot of issues regarding self-image that can lead to depression, suicide and drug use. the need for parental supervision should be critical. >> while many social media

platforms requires users to be at least 13 years old the u.s. surgeon general is saying kids should be at least 16 before they use social media. he is worried that scrolling on the phone threatens early developmental years and makes teens hyper sensitive to criticism later in life. tiktok specifically also raises national security concerns owned by a chinese company called bytedance. the tiktok ceo will testify before congress in march as momentum for a nationwide ban is gaining steam. half of the states have banned access to tiktok on state devices and a growing number of colleges have followed suit. that's angering some students about the interference with tiktok. their social media platform but as pressure grows to block it, it could set up a test for democratic lawmakers who rely largely on support from young voters. something to watch there.

>> julie: thank you very much. outkick founter clay travis joins me now. always great to see you. first of all, what do you make of, you know, the ban on tiktok? do you think it's the government's job to ban a social media website, china-owned social media website for security concerns or basically for the protection of our children? >> yeah, such a big question. my reaction would be we need to force tiktok's american assets to be sold to an american-owned company instead of allowing china to use it. you have kids, too. they use tiktok like crazy. what i have seen with my own kids is they use tiktok like we might have used google. they type in a question what is a good restaurant in city and what to do to deal with acne? look up other kids where they go to school.

it is a one-stop-shot. kids are better at avoiding bans and figuring out how to use technology when they talk with each other if they have ipads and phones. i'm skeptical the united states government can stop teenagers from accessing anything that they want to access on the internet. but i do think that tiktok should be an american-owned company. >> julie: surgeon general said kids should be 16 before being allowed on social media at all. but the other question is how beyond parental control, it is not clear how social media companies would prevent younger users. i have two kids who are under 16. i cannot stop my -- i have a 10-year-old who is seriously addicted to getting on tiktok somehow and she is not on a public account. i did set her up on a private. took it off the phone. they can get back on. if they've got laptops or if

they've got ipads or phones, they will get on. no way we can control it. it should be u.s. owned. i don't know if that's even a possibility. >> that's the reason we drink because we can't -- julie -- >> julie: that's not my only reason. i have a few more reasons. >> they are smarter than us with tech and we were smarter than our parents with anything technological. >> julie: president biden is pushing his electric car. the gmc hummer that he is in doesn't qualify it. the great american road trip will be fully electricry filed and starting price is $87,000. the median american salary is around $52,000 per year.

a far cry from that car's hefty price tag. the white house responded because whoever put out this tweet with that remark had to have gotten a tongue lashing. not a good look. the white house responds, send out an image of the president in a jeep that actually does qualify for the credit saying that now through a tax credit you can get up to $7500 on the new electric vehicle. what do you make of this? >> well, i don't think joe biden knows how to send a tweet. so this is just further evidence that his staff is somehow more incompetent than he is, which is really saying something, right? he whats a vice president more incompetent than him. a transportation secretary more incompetent than him and i don't understand how a white house that is micro managing everything in terms of joe biden's perceptions could make an error this bad. this is one of the times you can point to it and say as bad of a

president as joe biden is, these 100% were not his decisions and totally got him screwed up on this without his being aware. it is a bad look. it is evidence of this electric vehicle fad in general, julie, you know this. democrats keep lecturing people they can save money on gas prices if they buy an e.v. most people can't afford an e.v. >> julie:. california governor newsom's wife is raking in big bucks from public schools that basically are in line showing her woke gender films. according to a watchdog report her nonprofit has raked in more than $3 million from documentaries including the great american lie and fair play. there is a decent chance that your child may have seen these films. not my kids but maybe out there

one of your kids did. more than 2 1/2 million students in 5,000 schools across all 50 states from actually watched the documentaries. jennifer newsom wrote and directed them. her group reportedly charging schools $270 to stream them and there are loads of critics. one tweeting grifting along, nothing to see here. another says another liberal crook. yet another epics? who cares about -- i don't understand how it makes it into kids' schools and understand why parents don't have a say. since when are the educators and school districts the parents? did they birth my three children? no, they did not. i will make choices for them not mrs. newsom. >> i agree with you 100% here. the idea that our public schools are paying money for the governor's wife's film to be shown there is a clear and

transparent conflict of interest. this is unacceptable. also the idea that our tax dollars would be being spent on films such as these in the first place, i wouldn't like it if they were watching this film, my kids i have a 15, 12 and 8-year-old. i wouldn't like it if they were watching films like this in school anyway. the idea that we're doing it and paying for it. her nonprofit, that they're profiting off of. what are they paying her? how many people are on the nonprofit's payroll? there are a lot of people who make a lot of money off so-called nonprofits. it is a conflict of interest and inexcusable. >> julie: thank you. critics aren't buying omar's new claim she didn't really understand anti-semitism after all the controversial comments

she made. now there is a new push by liberals to reject the actual definition -- get this -- of anti-semitism. critics are slamming chicago mayor lori lightfoot. >> i don't think she gets it at all. she can't seem to relate to the vast majority of the people especially our police officers when they turn their back on her. >> julie: why some are saying she is the marie antoinette of america's mayor as the windy city faces record-high crime. jana caldwell is in "focus" next. oh man. always look for the grown in idaho seal.

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>> julie: funeral services for tyre nichols are set for tomorrow. five officers are charged in all with beating the 29-year-old to death after a traffic stop. the investigation continues. yesterday police leaders relieved two more officers from their duties in connection with this case. the fire department fired two emts and a lieutenant. steve harrigan is live in memphis and his report will feature some disturbing video. we want to warn you. hi, steve. >> julie, the fallout from the death of tyre nichols on january 10th continues here in memphis. right now seven members of the

police department gone. two more fired. not clear whether or not they'll face criminal charges as this investigation continues. one of the two newly-fired police officers is preston hemphill. white and fired his taser at nichols during the first traffic stop but not present during the beating the second time around. the fire department fired two emts who failed to provide care to the nichols. they didn't try to stop the bleeding. the third member of the fire department didn't get out of the vehicle. those three fired and keep in mind criminal charges for many of these people could follow. tyre's mother says she wants all those responsible brought to justice. >> i won't stop until every person that had anything to do with my son's death is

prosecuted to the fullest of the law. >> the funeral set for 11:30 a.m. eastern tomorrow. reverend al sharpton will perform the eulogy. >> julie: gianno caldwell here to join me. i can't watch the video. it is so sad. the victim was black, the cops were black. a completely different scenario you don't often see in the country when it comes to people rising up against police. what went wrong here? this comes from the top. there was a disconnect from the top that has trickled down and this is the result. unfortunately a 27-year-old man is dead because of it. -- 29 years old. >> that's right. i was in memphis on friday for sean hannity's team and i interviewed the family attorney benjamin crump for a hannity

exclusive. i could tell, even though i hear what your saying, i believe chief davis, someone i have known for many years and one of the first people to call me when my brother was murdered and prayed for me and my family over the phone, i believe her instincts are to do the right thing. she acted decisively in dismissing these officers once the tape actually came out and we saw the additional evidence. so with these officers doing this and clearly within the tape they were trying to get their stories straight and say it on body cam so their reports would match and give probable cause to do some of these things. i think they did it being honest they thought they could get away with it. they didn't have issues with it. it was a black kid in an area where there is a lot of poor black people. i know some have pushed back on the narrative if it was a white kid they wouldn't have done it. i happen to agree with that assessment. less likely for them to do it.

white parents complain it -- >> julie: when i say it comes from the count i'm not blaming the police chief. i'm blaming the mayors and leaders in the cities where crime has taken such an out of control number in all these cities like the south side of chicago. this was individual responsibility at this point in this particular case, no doubt about it. the crime that you are seeing in the cities i believe that those at the top -- i mean the lawmakers need to take more responsibility to prevent this from happening. this was individual responsibility. i want to move on to progressive groups now pushing for the american bar association to delay a vote on a resolution condemning anti-semitism. it comes as speaker mccarthy considers removing ilhan omar from a key committee over her anti-jewish comments. the bar association measure urges all governments from federal to local to condemn anti-semitism as referred to in

the international holocaust remembrance alliance. liberal activists say the measure is quote dangerously chilling to free speech and is also anti-palestinian. congresswoman omar sparking outrage. >> i was not aware the word was a trope. i wasn't aware of the fact that there are tropes about jews and money. that has been enlightening part of this journey. to insinuate that i knowingly said these things when people have read into my comments to make it sound as if i have something against the jewish community is so wrong. >> julie: a new op-ed argues her feigned ignorance doesn't match

up with the conniving money stealing and -- don't tell me that you don't know the correlation and the comments that she made about jews as being anti-semitic. that's ignorance and that excuse does not work. >> it does not work. i'm shocked to see liberal activists care about free speech, number one. only when it's convenient for them. the second thing is to say that you want to redefine racism so you can have more of it is not just troubling but against what our country stands for. how dare they even try to come with that kind of consideration. i'm sure brothers and sisters in the jewish community would have big problems with this if that were the case. there seems to be with representative omar after she has told multiple times for the things she said over the years that it's not right. here is a history lesson, she

wants to say these things. and she believes these things. i think kevin mccarthy the speaker should remove her from that committee. she doesn't have any business on there. you don't need to have people believing that kind of stuff on those committees. >> julie: critics aren't happy with chicago mayor lori lightfoot partying while violent crime is in the city. watch. [drums] >> julie: that's the democrat dancing during a parade over the weekend. crime in chicago soaring by 61% in the first three weeks of 2023. more than 4800 crimes reported. you can compare that to some 3,000 in the same period last year. that's how much crime has risen. shh he is seeking re-election next month. reaction from folks on the "outnumbered" couch yesterday. watch. >> she is the marie antoinette

of america. >> there are ways to support every group in your community but be more sensitive to what's going on around you. >> she is pretty tone deaf. she knows it will be a democratic winner and she thinks she will be the one. >> julie: this is not just tone deaf. this is just plain nuts. the crime has gone up 61% in your city and you are acting as if it's great and you have an election coming up. at least in this town the governor started to put cops in the subway to make it look like that we actually would try to do something about crime in the city. there is nothing being done there. she is partying. >> i take great offense to this. my baby brother was murdered on june 24th last year in chicago. what i just witnessed in the video with the mayor there was her dancing on my brother's game. so many victims of violent crime in the city of chicago and so many people who don't know how to pay for a funeral because

they are costly. how dare her do that to those families. it is ridiculous beyond measure. the only solis is the fact she may not be mayor in the next two months. that's all. >> julie: thank you so much. i really appreciate your passion, too. that's the voice that needs to be heard on the streets. thank you so much. thank you for watching "the faulkner focus." "outnumbered" after the break. a t i heard what you said about not overpaying for glasses. two pairs and a free, quality eye exam starting at just $79.95? the exam alone is worth... 59 bucks. i mean, people deserve breaks, right? yeah, brakes...! [out of control] book an exam today at americasbest.com. veteran homeowners: what if you could save a lot of money every month by paying off your car loan and paying off your high rate credit card debt? and still have cash left over to put in the bank? with a newday 100 va cash out loan, you could do it all. take out an average of $70,000 - with no upfront fees. no upfront appraisal fees, termite inspection, or water test fee. because a veteran shouldn't have to come up with money to get money.

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