there's eight excludeing me. one, appropriately over the ems division and i have a chief that maintains a license and my chief at the airport is a paramedic. everyone on the command staff has the emt certification. >> because it says -- >> what page? >> it's in there, executive summary on eight, which is biii. fwl thank you. >> in the last paragraph, it just says a total of 38 and this is from the budget and legislative analyst, a total of 38 command staff hasn't been trained, ems, yet through promotions they're charged with supervise are paramedic staff. on that's why -- that particular statement was cause for concern. you're telling me they all have an ems certificate which is different from what this statement says. >> having an emt certificate is significant. it means you have that life support skill and ability sdmrchlt it's for the department since 1989. >> there's less than five percent who don't have the ems certificate. the paramedic that has a higher level of training, they're being supervised by people

there's eight excludeing me. one, appropriately over the ems division and i have a chief that maintains a license and my chief at the airport is a paramedic. everyone on the command staff has the emt certification. >> because it says -- >> what page? >> it's

that i replied i may purposely designed the institutions to as they put it i'm excluding the majority from participation. to me so here's a guy who committed pedophilia with over four hundred children and he's taken to the court take on the old bailey and his defense is if you prosecute me i'm going to go to switzerland that's what i'll just be a say if you prosecute me and our skin heads and school. ours and hundreds of incidents of fraud we threaten to leave the country and the government says. to. write the scene. first street. and i think you're. on a reporter's twitter. instead. of am. on. violent clashes engulf central kiev as ukrainian police tear down barricades and chase rioters on the fourth day of government protests two people have died so far . the crisis is being fueled by nationalists and radicals came to grab the opportunity to push for revolution. also this hour syria's government and opposition sit face to face for the first time since the start of the conflict at the beginning of long anticipated peace talks in switzerland have exposed the parties very different views.

jordan belfort joins me now excludism. you're like one of the most notorious people in the entire world. i have had calls from all over the world in the last 24 hours since we announced this. you don't give interviews, certainly not for a long time. you haven't given them for this movie until now. >> right. >> now you've let yourself loose here for the next hour. how do you feel about this extraordinary mayhem erupting around you, your story, this movie? >> well, it's a bit surreal. i think controversial more than notorious. and i chose not to give any interviews for awhile. i think i wanted the movie to basically play, i think the studio wanted that as well. and i thought this would be a good place to sort of get the message out. i'm sure people have questions, you have questions. >> what is the real message you want to get out? >> well, i guess for me it's important that the movie is viewed the right way. certainly as a cautionary tale. i know there's this big issue of people glamourizing what happened. i think carey win

and they purposely designed to be institutions to as they put it exclude the majority of from participation. tanya. well tell me how you were my little grandson. i know you are you larry. was being cut off. except as an ecovillage that the spiritual side is destructive. i tried to convince her try to preach that it was a sect but it's dangerous that she had to leave it was a story she had lost her mind all. you know he or she will come back i know it was and i will wait even if it means i must wait until my dying day. after three years of. the death toll of over one hundred thousand. lomas see and common sense come together with one. war is not the answer. does chance. on june sixteenth one thousand forty one we had a graduation party at school and the war broke out. the shops were always full of goods. in september leningrad was blocked. one day mom went to europe saw that all the shelves were empty. in november they bombed the warehouses it was the main storage place for all the food in the city people eating the earth because it had small traces of sugar in it i tried to eat it as well but i couldn't. move i

excluded. >> being a veteran is like a second class citizen. >> let me get the problem here, hippies do you want beat some up? >> no. >> trust me you smack them around with a baseball bat they won't think it's see -- so groovy. >> it's not the hippies. who are you angry with? >> the military. >> i'm mad at the military because we're going through post traumatic stress and the military has turned their backs on us. >> it's estimated 500,000 vets got ptsd in vietnam yet hundreds of themes of them are ineligible for treatment which raises a fascinating question: what the (bleep)? >> a bad discharge. >> a bad discharge prohibits us from being eligible for a lot of things we would normal i will be entitled to. >> how do you get that less than honorable discharge? >> ptsd we got in vietnam. >> i guess my follow up question would be: are you (bleep) serious? >> most definitely serious. >> let me get this straight: these guys went to vietnam? >> that's correct. >> where they got to ptsd. >> yes. >> which led to them getting less than honorably discharged. >> definitely. >> and now they can't get treatme

me that communicates eat any serious political transition process if it's to attend. syrian opposition figures had earlier expressed reluctance to go to switzerland to less pissed at the countess of this excluded from any future transitional government. such has recently been quoted as saying he has no intention of quitting. the enlightenment of the footy up up up. within hours of each its new constitution being supported by more than ninety percent of that is on the explain the apparent consensus is misleading. the country's interim president of the men still may have seen it as a monday. the minute he backed government's political red knot in his sunday night to destination but others say was due to witness was a political turmoil in the community. that's the att has also been questioned in view of recent restrictions on protests and just typing up an email campaign. human rights groups say that when you miss reasons for the aesthetic including another option in carter's term to win now all of that colony when the maturity of the people that eat yes because many a tie at somebody's the constitution would improve living standards of this even if they teach you to their rejection of fear of th

me. >> you raised your full year estimates but the forecast excluded major outage events.t does an average event add, potentially to sales? >> you know, we have called that out in the past. generally when you get some type of a large typical outage event, an ice storm or something like that, i wouldn't say it's on the order of a sandy, that can be a 10 to $20 million type of impact to us. as we have gotten bigger and broadened our companies, it is less of a significant impact to us financially. >> i see. there are some estimates saying 20 to $50 million could be added in revenues because of an average outage and that would be approximately 14% of last quarter's sales? . >> you know, it depends on the size of the storm and where it hits. if you hit in a populous area, that is probably a fair number for the type of metro numbers that we're talking about where this storm is centered. that's going to be something more. >> i want to talk about the home standby generator market since a lot of viewers are out there and maybe have a generator or thinking of getting one. about 53%

the evidence of this, it's not just me talking, we did a survey of 250,000 men and women. and 90% of the women felt excluded in the workplace and 90% of the men said yes, are women excluded? no. >> okay. >> this is a blind spot. >> i think we need to take a break. we'll talk about where you start with this. who wants to be the first one to change the game, especially one or two women and there are more men there and other practical things you can do man or woman. stay with us. sno welcome back. work with me is the title of john gray's new book. you know him from the whole mars-venus philosophy basically. 24 books and this is the first one he's co-authored with a woman who informed some of the things and turns out we're not getting it right in the workplace. first of all -- first of all, let's get sexual harassment out of the way. i assume, are you talking about that or not? some -- as recently as what, the mayor of san diego. >> i know. this is shock. what an idiot. excuse me for calling him an idiot. come on. >> our civic leaders, okay. talk about the workplace. our civic leaders are messing things and the

me try another one. that's a good point. it includes the board included fixed fees by third parties. right in process. the tran actions but excluded corporate overhead which can be disaggravated. the way the board saw this was that over head was something that was not sufficiently -- at the let of, say, executive compensation was not incurred by the issue or with respect to transactions. that those overhead costs would exist anyway. and for that reason, they were excluded from the free standard. >> just one more question. suppose we thought that some of the specific items like fixed costs or transaction monitoring shouldn't be included or wasn't sufficient explanation for. should we they candidate the rule or -- well, hotly discussed at the the district court level. it was going to keep the rule in place while the board worked on a revision. i would think that would be the appropriate thing to do here as well. the industry and the -- all of the players in this -- in the debit card world are relying on this rule to limit the fees and certainly congress wants the fees limited from where they have been before. which was double what t

excluded. >> good point. it wasn't just about abortion but gun rights and other topics. >> mary katherine, let me ask you this. many believe democrats preach a tolerant line, everyone should be tolerant of everyone else's differing opinions. sometimes when it comes to an issue like this it appears governor cuomo isn't tolerant of differing opinions. >> particularly someone with national ambitions as is the case with governor cuomo, you don't want to tell half the country they aren't welcome in your state. that is actually the definition of intolerant if you don't think you want them near you. so i think that's a problem. i think it sounds mean-spirited. if indeed political analysis, a good lesson for politicians not to engage in it. i think it's worth an apology. there's plenty of people out had who are pro-life, who are maybe even democrats who shouldn't be ticking off to this degree. it's worth an apology and rethinking how he frames these issues. just trying to vilify half the country or half the state because they happen to disagree with you on three different issues is a dangerous way to talk for a polit

such people are excluders who want their circle, the circle of the saved, to be as exclusive, as small and as uncomfortably intimate as possible. luckily for me, the convention was held in late 20th century america, so i had no fear of being burned at the stake if i fumbled my answer. still, i fancied i could see the licking flames in the eyes of my interlocutors. [laughter] another negative expression of religion, perhaps the one that most of us are most familiar with, is the tendency of ordained clergy to exalt themselves over everyone else. jesus' insistence that we call no one on earth our father and no one on earth our master is the commandment that most clergy tend to transgress most eagerly. how long does it take clergy to assign themselves titles intended to force every head but theirs to bow in the case of christianity, only a few decades at most from the time of jesus to the creation of the hierarchy -- that is, a sacred ruling elite by the end of the first century a.d. and though roman catholicism and eastern orthodoxy and to some extent anglicanism manifest the most elaborate forms of hierarchy within christianity, there are plent

presentation of the tv and get broken trust and another seat is for me so i don't think that america is still in danger although one could not exclude the opposite is true that enlisting new friend and a video. i said to this end resistance and is higher than in the news in an arc of new growth and optus have lost some of the piece to this conclusion that it is the boat being forced to bed before the unit if it is not entered into the country and of different levels of sensitivity all over the country about it does not get to that. although some might have. i'm afraid might be interested in going into this and audio i do remember such remarks the city is or how cute is my cousin putin who made them minutes ago saying the eu us. take the list and papa knew graham and we will take them up something which majority of ukrainians are the fusing and wanted to talk on that point and on the russian position them to come back to watching the fast and get to it. i was making the news on what's on tap. more than two thousand five hundred business leaders politicians and other officials have kicked off the ideal meeting all the while the kimono

exclude the majority of from participation. jimmy said here's a guy who committed pedophilia with over four hundred children and he's taken to the court taken the old bailey and his defense is if you prosecute me i'm going to go to switzerland that's what i'll just be a say if you prosecute me and our scads and scores of hundreds of incidents of fraud we threaten to leave the country and the government says full. welcome to the future. so we fix the roads focus on new technology. on this month's show no posses complete without school shootings clutch and we learn about the next game till suv revolution this is the potential to save lives. no she update to. the future of coverage. after three years of. the disposal of over one hundred. million common sense come together with one. war it's not d.h. list does chance. to go. right to see. the first trip. and i think that you're. on a reporter's. instrument. to be in the. violent clashes in gulf central kiev as ukrainian police barricades and a fourth day of anti-government protests two people have died so far. the crisis is being fueled by nationalists and radicals came to grab the opportunity to push for a revolution. also this hour syria's gover

excluded from the american children. i went around chronicling their stories. the second part of the book is solutions. it seems to me the what's most important on poverty and social inequality in this country is a story of how we can do better. johnson laid out this blueprint for how we could do better in the 1960's and 70's. what i wanted to do in the american way of poverty is how we can do better in the 21st century and what kind of political will we would have to marshal to launch an effort as ambitious as what lyndon johnson launched in 1964. >> part of what you put forward is that johnson invited the poor to be a part of the conversation about their future. >> reporter: yes, johnson had lived with poverty. he had grown up in a very poor neighborhood. he taught in the deep south of texas in the 1940s, and he understood poverty firsthand. he understood that you couldn't just talk about poverty but engage people in their decision making. when i was looking at the war on poverty, there was this idea that you have to empower people at not just give out handouts. lyndon johnson knew you had to empower people to take

exclude of the majority of from participation. jimmy sat here's a guy who committed pedophilia with over four hundred children and he's taken to the court taken the old bailey and his defenses if you prosecute me i'm going to go to switzerland that's what i just be a say if you prosecute me and our scads and scores and hundreds of incidents of fraud we threaten to leave the country and the government says oh drew we froot. loop. after three years of. this in just over one hundred times. mostly in common sense come together with one. war is not d.h. . does peace have a chance. as a unity day dawns on ukraine police a pushing rod has back in downtown kiev dismantling the barricades put up during three days of scum issues. diplomatic delegations descend on the swiss town of montreaux as the syrian government of the opposition get their first real chance of dialogue international a live update from switzerland on the way. and off he meets the new mothers in damascus forced to give both amidst fierce one bachman's but now it's. striving for their children to live in a reunited syria. plus the us court rules that a former guantanamo bay prison cannot. torture claims dozens of former american officer

me again next month they travel to another european country. i live. ll from there. and. june. it is all in. i go. it is. is this the story each day. excludes any team that works. the top story was the case most intriguing topic as told by nhc premier global content partners back to back in english. it's like naming washington seeks enlightenment you at a party happening here so it's good to hear. seventeen with me thanks to a doting and that i can take that stealing is just too new and it makes the networks to work on in each seat. he wrote continue to share with your friends on facebook and twitter the top story on the m a c networks chun series started today elias disney nations the un european headquarters in geneva as a part of the peace conference. ginny with two to searing delegations will hold a joint meeting with the un and the arab league special envoy to syria. lucky me i thought times reports today before the planned bilateral negotiations between the syrian government and opposition had been postponed indefinitely because the opposition refused to meet the talks continued all day

omalu is excluded, just underscoring how they don't want to do business with him. >> i was not aware of it. nobody ever told mes called me and said, "the nfl is putting together a conference on cte, and you were not invited." >> he is shunned. i mean, it was a loud, just, "no, not you. yes, you're the guy with all the research, you're the guy who's published the papers, you're the guy who's got the brains, but no, you're not coming." >> narrator: former steelers team doctor and neurosurgeon julian bailes had become a true believer in cte and omalu. they were now research partners. he offered to present omalu's work to the group. >> so i presented and showed our data, which was four or five cases at that point. >> narrator: besides mike webster and terry long, omalu also found cte in the brains of andre waters and justin strzelczyk. bailes delivered omalu's message: playing football could cause permanent brain damage. >> it wasn't met with any broad acceptance, to say the least. >> julian bailes got up and talked about omalu's work, and while he's up there, casson is off to the side and he's rolling his eyes. h

gallow has introduce ad bill that would exclude factoring in a person's privilege into their sentencing. mike, thank you for your time. s. >> thank you for having meere. i did not know that your wealth or financial status could ever be used or factored in into your sentencing. until this case. >> yeah. i think most people realize intuitively that there are two justice systems in this country. this is one for the privilege and one for the ones not so prifd. there's only so much that we is as lawmakers can do on certain advantages that the wealthy may have. you know, access to better lawyers and knowledge of the justice system. you are right. when these things start to be described as syndromes that are akin to handicaps, the notion that a spoiled upbringing is a handicap, you know, i think it is appropriate for the legislature to step in and do something about. >> it was this your first time hearing such a case? read thing kid's background, the -- the therapist that testified he suffered from affluenza pointed out that his parents taught him that rather than apologizing, you would give someone something or pay someone and he lived in a home where t

exclude the majority of from participation. please speak your language. programs you will commit treason arabic it's we'll hear. reporting from the world talks about specific. repeat. tragic story to tell you. the arabic forgot mevisit arabic don't teach dot com. you're watching r.c. international it's good to have you with let's move on now at least four people are reported dead and at least five injured following an explosion in lebanon's capital beirut if the latest attack in a spike or violence that has been plaguing the country policy or brings as it did details the explosion happened near the headquarters of the hizbollah movement in the neighborhood in the southern suburbs of the lebanese capital beirut almost immediately smoke covered the area one of the nearby buildings caught alight there was a charred vehicle in the vicinity and i witness reported hearing the sound of a very very loud explosion this is the stronghold of the shiite muslim group hizbullah and it's understood that this attack like a string of other attacks that have happened in recent weeks and months are targeting the group because of its support for the in that old syrian president bashar assad who has been fighting a brutal war cross

excludes the majority of from participation. religion jimmy said here's a guy who committed pedophilia with over four hundred children and he's taken to the court taken the old bailey and his defenses if you prosecute me i'm going to go to switzerland that's what i just fear say if you prosecute me and our scads and scores of hundreds of incidents of fraud we threaten to leave the country and the government says oh drew we would need to. prove. clashes engulf central kiev as ukrainian police barricades and on a fourth day of anti-government protests two people have died so far. the crisis is being fueled by nationalists and radicals keen to grab the opportunity to push for revolution. also this hour syria's government and opposition sit face to face for the first time since the start of the conflict the beginning of anticipated peace talks in switzerland have exposed the parties of very different views of the future . this is international law.

which excludes people ideas and important perspectives from the site that they feel are one of the based on nothing more than subjective bias so while you might not be able to find information about me or other independent media figures authors or other people you can surely review one of which appears longest standing and trees the second edition of dungeons and dragons monsters because ultimately fiction is easier to edit that untruth. after spending eight years in a coma former israeli prime minister ariel sharon has died at the age of eighty five is likely the most well known of israeli leaders and perhaps most remembered for the one thousand nine hundred two invasion of lebanon as well as insight in palestine second intifada but as news of his death makes its way through the corporate media channels a more benign portion of the right wing leader has emerged. the former israeli prime minister ariel sharon has died at the age of eighty five earlier today and in the past twenty four as the official memorial service that site is right next to leaders gathered to pay their respects including u.s. vice president joe biden raising about it was colossal both his physical size and his r

which excludes people ideas and important perspectives from the site that they feel are one of the based on nothing more than subjective bias so while you might not be able to find information about me or other independent media figures authors or other people you can surely review one of which appears longest standing and trees the second edition of dungeons and dragons monsters because ultimately fiction is easier to edit that untruth. after spending eight years in a coma former israeli prime minister ariel sharon has died at the age of eighty five is likely the most well known of israeli leaders and perhaps most remembered for the one thousand nine hundred two invasion of lebanon as well as inciting in palestine second intifada but as news of his death makes its way through the corporate media channels a more benign portion of the right wing leader has emerged. the former israeli prime minister ariel sharon has died at the age of eighty five earlier today and in the past twenty four as the official memorial service that site is right next to leaders gathered to pay their respects including u.s. vice president joe biden raising about it was colossal both his physical size and his

me all day here in r.t. and i say leaker edward snowden held his first q. and a session this week sharing his views on the agency mass surveillance and american freedoms snowden excluded the possibility of a fair trial in the us he stressed that if he'd turn to congress with his information in the first place he would have been charged and jailed right away there whistleblower stressed that the bulk of the book collection of personal data must and that it doesn't help fighting terrorism and it violates the us constitution he also said that the flaws in the american legal system leave whistleblowers unprotected discouraging them from exposing any wrongdoing while a wide range of u.s. officials consider edward snowden a traitor many people around the world are calling him a hero and seek ways to thank him for exposing global data collection a group of students at the university of glasgow in the u.k. nominated the whistleblower for the position of rector we spoke to one of the activists. reason which shows edward snowden is because we know that he is a hero is a brave man who rist a lot of things to us that people know the extent of fewest media surveillance and intrusi

don't you kind of want a business to exclude ex-con this when dispatches a repairman to your home? it is all government overkill. tweet mef government success. cheryl: 52 passengers trapped on a russian ship, antarctica, finally rescued the details up in a few moments. and walmart, pulling don king the off shelves in china because it contains animal meat. ♪ [ male announcer ] this m hasn accomplished research and analytical group at his disposal. ♪ but even more pressive is how he puts it to work for his clients. ♪ morning. morning. thanks for meeting so early. oh, it's not a big deal at all. come on in. [ male announcer ] it's how edward jones makes sense of investing. ♪ male announr ] this is the story of the lile room over the pizza place at 315 cnut street. the modest first floor bedroom in talln, tonia and the dusty basement at 1406 35th street. it is the story of the old dining room table at 25th and hoffman avenue. the southbound bus barreling down i-95. ...and the second floor above the strip mall at roble and el camino. ♪ this magic moment it is the story of where every gre idea begins. ♪ so different and so new

excluded from the law? why did you do that? >> i was only 12 years old when i met you. do you realize that you brain washed meanipulated me and that what you did was wrong? >> yes. and i regret it. >> do you know that i am completely messed up, that i have so many issues because of you? >> i just wanted to help you. >> how is having a sexual relationship with a 12-year-old student helping? >> it wasn't anything that i intended. i don't even know what happened. >> are you doing this with other students too? >> no. >> is that how you help them? >> no, not at all. >> you ruined my life. you ruined my childhood. do you realize that? >> no. you sicken me. you sicken me. every day when i think about what you did, you sicken me. i have kids of my own and i'm the age now that i pretty much met you at and i could never think about doing the things that you did. you should be so ashamed and so disgusted with yourself. >> i am. i am. >> how dare you. >> i regret it every day, every day. >> you are disgusting. bye. >> on monday, she held a news conference. she was joined by her attorney and by her fiancee. in the news co

excluded from the law? i mean, why did you do that? i was only 12 years old when i met you. do you realize you brainwashed me and manipulated me?> yes. and i regret it. >> do you know that i'm completely messed up, that i have so many issues because of you? >> i just wanted to help you. >> how is having a sexual relationship with a 12-year-old student helping? >> it wasn't anything i intended. i don't know what happened. >> it's completely shocking to me that you are an assistant principal. are you doing this with other students too? >> no. >> is that how you help them? >> no. not at all. >> you ruined my life. you ruined my childhood. do you realize that? you sicken me. everyday when i think about what you did, you sicken me. i have kids of my own, and i'm the age now i pretty much met you at. i could never think about doing the things you did. you should be so ashamed and so disgusted with yourself. >> i am. i am. >> how [ bleep ] dare you. >> i think about it everyday. everyday. >> you're disgusting. bye. >> now the assistant principal resigned. california police are now investigating. with me now jeff and paul. thanks to bo

the way you find you exclude the possibility of bad faith based on community standards of fairness and decency and at the point you're applying community standards of fairness and to me quiteeems clear that you are not applying the party's self imposed undertakings but something else. >> you could say it is assumed contracties to a comport with community standards of fairness and decency. you know, you can wiggle to there if you want. >> you could try to wiggle there my point would be, the way to wiggle there is interpreting the express terms of the contract. an implied covenant is different. if you step back and think about when an airline reserves to itself the sole discretion to make judgment by aking an unruly passenger off plane, do you really want state courts to apply community decency? of if i could reserve the remainder of my time. >> thank you, counsel. >> thank you, mr. chief justice it please the court. in wilkins, this court enacteded that congress the a.d.a. to leave the decisions of prices, routes and businessto the judgment of air carriers subject to market forces and limited the department of transportation. in light of that statutory purpose, rollin

me try another one. that is a good point. it includes, the boarding colluded fixed trees -- it includes, the board included fixed fees charged by to process but excludedboard overhead. >> overhead was something that was not sufficiently at the level of -- it was not incurred by the issuer with respect to transactions. those overhead costs would exist anyway. for that reason, they were excluded. >> just one more question. suppose we thought that some of these specific items like text costs -- fixed costs or its transaction monitoring should not be included or there was not sufficient explanation. what is -- should we vacate the rule? >> the issue of vacating the rule was hotly discussed at the district level. the district court determined it was going to keep the rule in place while the board worked on a revision. i would think that would be the appropriate thing to do here as well. the industry and all of the players in this, in the debit card world are relying on this rule to limit the fees and certainly, congress wants fees limited from where they had been before, double at least the $.21 fee we have imposed here. we would say that at most, the - -

faith is you exclude the possibility of bad faith based on community standards of fairness and decency and at the point you're applying community standards of fairness and decency it seems to me quite clear that you are not applying the party's self imposed undertakings but something else. >> you could say it is assumed that parties to a contract comport with community standards of fairness and decency. you know, you can wiggle to there if you want. >> you could try to wiggle there and my point would be, the way to wiggle there is interpreting the express terms of the contract. an implied covenant is different. if you step back and think about the context, when an airline reserves to itself the sole discretion to make judgment by taking an unruly passenger off a plane, do you really want state courts to apply community standards of decency? if i could reserve the remainder of my time. >> thank you, counsel. >> thank you, mr. chief justice and may it please the court. in rollins, this court recognized that congress enacted the a.d.a. to leave the decisions of prices, routes and services to the business judgment of air carriers subject to market forces and limited oversight by

excluded from the market, title insurance charges have risen. i would like to read those studies. if they're out there, i want to know more about the issue. let me also say that there has been -- this question has been looked at. i would submit that the studies you're referring to either don't say that or say something quite different and any way let me finish. i also looked at a number of studies including those by the urban institute, gao, last month the consumer federation of america, national association of independent land title agents, calling for major reform in a title insurance industry. i would like to submit for the record some of the testimony of bob hunter from consumer federation of america before the new york state department of financial services on december 10th, 2013. and i would also like to submit for the record the testimony of the national association of independent land title agents before the national association of insurance commissioners on december 16th, 2013. >> without objection. >> and the cfa testimony says title insurance system is highly concentrat concentrated, opaque and raises cost to consumers. the one-stop s