first, i want to give special thanks to marguerite and paul who went down stairs on tuesday morning to help buck. they explained everything was okay, calming him down a little bit, and send him on his way to the hospital. actually, i screwed that up. let me start over. yes, marguerite and paul and john from the attorney's office and the sheriffs down stairs who i had spoken to personally were so kind and gentle and supportive with buck and moved him into the office. he would have none of that. he wanted his bike. they convinced him to settle down, which he did. so today i was in buck's office. i hope the person doesn't mind that somebody named molly ward, who was on mcallister. deedear buck, i write to thank u for yesterday's lunch and fine company. the lemonade was good, too, i would recommend it. we both lived once between 19 and 20th is a coincidence. perhaps it is why i felt to so comfortable saying hello and making your acacquaintance. thank you for the continues on making the most out of my legal education. like you, i already do. i have to think of him watching laurel and hardy,

marguerite chang. thanks for joining us. me. hank you so much for having >> it comes down to lump sum now or the income stream in ie future. igr you, it's a clearcut answer. there's no or wrong. right? >> correct. it depends on the situation.es there are tn which you would want to choose one o oion overhe other. >> it has to do with your age, for example, where you are and how much you would be receiving? >> thats correct. if you are 65 and getting ready to retire, y will be cocoecting your pension benefit soon as oppos to later. you may feel more comfortable taking the income stream. if you are , you may say,'m going to take the lump m. i think i can invest better. >> you say, evaluate the payout optis and specically, you have a formula with payout option andhe insurance and what's covered. >> solutely. another consideraon is if your pension is larger than the nual amount that the pensisi benefit guaranteed corporation ensures, you may want to take eseeoney and i i it for yourself. the other option is when you are presented wit

at the same time -- and they've done more fines, more activity and marguerite vestiture, now we have the chief sheriff of the internet. facebook and others have to follow the global stuff and therefore they do it here. that's where it's set. jacinda ardern in new zealand, and australia is another country that has done a lot, doing a lot. they have to follow those, and a there's all kinds of interesting stuff going on there, some not great, some great. and so the u.s. is quite far behind in a lot of this and even in privacy, there's a privacy bill that's going to come on ifn line in 2020 in california, the first significant privacy bill a that -- it's interesting, california is setting a tone fou a lot of things, ab-5, which is an employment thing about uber w and gig workers, so there'sas no national privacy bill here to speak of.ut ifan but eventually if our governmens ever gets anything of any substance, and that's a big if, that will lead the way presumably for these companies. but right now -- it's coming from abroad -- is that -- >> i think that the aboard is shaping policy here