10.01.25 Warning: Sports Gambling / Assignment: Your Credit Report

Summary

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The Clark Howard Podcast — Episode Summary

Date: October 1, 2025
Episode: 10.01.25 — Warning: Sports Gambling / Assignment: Your Credit Report
Host: Clark Howard

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Brief Overview

In this episode, Clark Howard tackles two main topics:

1. The rising dangers of sports gambling—especially among young men and teens—due to the ease of mobile betting and micro-bets.
2. The crucial importance of regularly checking your credit report to avoid errors that can cost you financially.

The episode is interspersed with listener questions about bank accounts, fractional real estate, car buying practices, tech support for aging computers, and a tip about overlooked library services. Clark’s advice is practical and direct, empowering listeners to make wise and informed financial choices.

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Key Discussion Points & Insights

1. The Dangers of Sports Gambling

Timestamps: 00:34 – 05:39

• Sports Gambling’s New Landscape:

  • Clark highlights a surge in gambling problems among teens and especially young men, emphasizing that today’s gambling is far beyond traditional bets, thanks to the rise of micro-bets and mobile apps.
  • Quote: “The micro bets and the ease with a cell phone to place bet after bet after bet… it doesn’t get better with time.” — Clark Howard (02:30)

• Addiction Cycle:

  • Technology enables rapid, repeated bets on obscure sporting outcomes.
  • Accessibility and the “I’ll win it back” mentality deepen losses and addiction.

• Advice for Listeners & Parents:

  • Acknowledge if you or a loved one is getting too deep; seek help early.
  • Parents should stay vigilant, as these issues are “the real deal.”

• Recovery is Possible:

  • Clark encourages those who’ve “messed up” not to despair:
  • Quote: “You rebuild step by step, you get the help you need. But it’s not the end of the world if you messed up.” — Clark Howard (04:45)

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2. Q&A: Personal Finance and Consumer Concerns

Timestamps: 05:39 – 29:36

A. High-Yield Checking Accounts and Debit Card Risk

• Listener Question: Is it worth risking debit card fraud for a 5% rate if a bank requires 10 debit transactions/month? (05:48)
• Clark’s Advice:
  • Worth it if you can manage hoops and the “possibility, not the probability” of debit card issues.
  • Use “tap to pay”—never swipe—to minimize fraud risk.
  • Quote: “You don’t want to swipe a debit card; that is like setting a buffet platter for crooks.” — Clark Howard (07:47)

B. Missing Out on Bank Incentives

• Listener Story: Missed a $600 bonus for new account by leaving funds early. (08:13)
• Lesson: Deadlines matter; read all requirements closely.

C. Fractional Vacation Real Estate/Timeshares

• Listener Question: Thoughts on a 1/13th beach condo ownership? (09:03)
• Clark’s Advice:
  • “Timeshare light”—beware of costs, liabilities, and resale difficulty.
  • Get contracts reviewed by a real estate attorney.
  • Quote: “The documents, I can guarantee you, will be very one-sided—not in your favor.” — Clark Howard (10:30)

D. Used Car Shopping Trends

• Listener Issue: Used car listings not physically on dealer lots; difficult to view/drives. (11:50)
• Clark’s Explanation:
  • Modern dealerships use regional/national inventory; cars often shipped in.
  • Only buy from sellers offering a true return-for-refund policy.
  • Quote: “You’re being asked to do the second most expensive purchase in your life, buying something that could be junk.” — Clark Howard (13:48)

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3. Assignment: Check Your Credit Report

Timestamps: 17:22 – 23:19

• Why You Must Audit Your Credit Regularly:

  • Errors are rampant—anywhere from 1/3 to over half of Americans have them.
  • Consequences include loan denials, job loss, and higher insurance rates.
  • Credit bureaus (Equifax, TransUnion, Experian) are not consumer-friendly—they treat individuals as “data points,” not customers.

• How & Where to Check:

  • AnnualCreditReport.com is the only legitimate, government-sanctioned source.
  • Ignore bureau upsell attempts; never pay for the actual report access.
  • Use Credit Karma for monitoring and regular checks (trades your data for free monitoring tools).
  • Quote: “The credit bureaus are contemptuous of you and me. We are not the customer—we’re just data points.” — Clark Howard (18:30)

• Extra Security:

  • Recommend credit freezes for all.
  • Thaw temporarily if needed to use monitoring services.

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4. Additional Listener Questions & Tips

Timestamps: 23:19 – 29:36

A. Perspective on Today’s Mortgage Rates

• Listener compares dad’s 1965 6% mortgage to today’s rates. (23:19)
• Clark: Rates are historically cyclical; context matters. Super-low rates post-2008 were “artificially” created to prevent economic disaster.
• Quote: “Rates can only be looked at as a snapshot in time.” — Clark Howard (24:00)

B. Aging Computers: Windows 10 Support End

• Listener asks about options for Windows 10 PCs not compatible with Windows 11. (25:39)
• Clark:
  • Microsoft offers an annual $30 security update for one more year (through October 2026).
  • Alternate options: Convert to Chromebook, switch to Linux, or replace.
  • Family anecdote: His daughter “is obsessed” with her new Chromebook. (26:15)

C. Library Services: Free 3D Printing

• Listener tip: Some public libraries offer free 3D printing. (27:29)
• Clark: Surprised, suggests everyone check their local library’s full slate of services—including 3D printing and dental applications like crowns.
• Quote: “Just imagine you have an old classic vehicle and you need a part and you can’t find it and you go to the library to get it 3D printed. That’s funny.” — Clark Howard (28:00)

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Notable Quotes & Memorable Moments

• On Gambling Addiction:
  • “You rebuild step by step, you get the help you need. But it’s not the end of the world if you messed up.” (04:45)
• On Debit Cards and Security:
  • “Tap to pay is a much safer technology…You don’t want to swipe a debit card; that is like setting a buffet platter for crooks.” (07:47)
• On Timeshares/Fractional Ownership:
  • “The documents, I can guarantee you, will be very one-sided—not in your favor.” (10:30)
• On Credit Bureaus:
  • “The credit bureaus are contemptuous of you and me. We are not the customer—we’re just data points.” (18:30)
• On Mortgage Rates and Market Cycles:
  • “Rates can only be looked at as a snapshot in time.” (24:00)
• Fun Moment (Libraries and 3D Printing):
  • “Just imagine you have an old classic vehicle and you need a part and you can’t find it and you go to the library to get it 3D printed.” (28:00)

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Important Timestamps

• Sports Gambling Warning: 00:34 – 05:39
• High-Rate Debit Card Risks: 05:48 – 07:47
• Bank Account Bonus Gotcha: 08:13 – 09:03
• Fractional Real Estate Cautions: 09:03 – 11:48
• Used Car Inventory Changes: 11:48 – 15:18
• Check Your Credit Assignment: 17:22 – 23:19
• Historical Mortgage Rates: 23:19 – 25:39
• Windows 10 Computer Options: 25:39 – 27:29
• Library 3D Printing Tip: 27:29 – 29:29

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Final Takeaways

Clark Howard continues his mission to inform, empower, and warn listeners about the changing landscape of personal finance—from the perils of easy sports gambling to the powerlessness most have with credit bureaus, and how simple steps like regular credit checks and tapping into overlooked community resources can make a real financial difference.

Clark’s bottom line: Stay proactive, stay informed, and always prioritize your own financial well-being—even when the system isn’t set up for you.

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Transcript

[Commercial Announcer]

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[Clark Howard]

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[Clark Howard]

See who can impress the world's biggest brands. This is a huge opportunity. This is the battle for the next big idea.

[Caller/Listener]

This is not Play Play.

[Clark Howard]

We're spending millions of dollars. I'm so excited to embark on this adventure with all of you. Be the best idea Win on Brand with Jimmy Fallon. Series premiere tonight on NBC. I'm so glad you're with us here on the Clark Howard Show. You know, our mission is to serve you with advice and information that empowers you so you make better financial decisions in your life. And I hope you're getting something out of Every podcast or YouTube show we do. If so, why don't you spread the word, Share an invite with a friend to listen or to watch in this episode. Talk about watching football is my life. But there's something that is happening now to teens and heavily 20 somethings where gambling is really messing them up. And it's not gambling like you and I are used to. I'll talk about that ahead. And also, I've got a really important assignment for you. If you haven't looked at your credit report recently, what you don't know can hurt you. Speaking of hurting you, for certain, the addictions to gambling, especially football, are really causing so much angst for overwhelmingly boys and young men. And people are losing enormous amounts of money on electronic gambling. You know, computers have done so many things. Obviously computers and computing have done that so wonderful for ourselves, for society, the world, blah, blah, blah. But in gambling, it has made it possible to lure people into these obscure bets with long odds, one after another after another. And people are getting in trouble like nobody's business. And there's always been people with gambling addictions. That's why every commercial you see on TV for gambling talks about help available for people with a gambling problem. But what's different is the micro bets and the ease with a cell phone to place bet after bet after bet after bet. And then the gambler addiction where, well, I'm going to make it back. My luck's going to turn and I'm going to be okay. If you are hearing me right now and you know I'm talking to you. That you're getting deeper and deeper into sports gambling. The first thing is for you to acknowledge it and then the second is for you to get help. Because it doesn't get better with time. I mean, come on. The bets that you can place now on the most obscure things that happen in a sporting event, it's all about. I mean, we're so far past point spreads, it's just nuts. And if you're a parent of a teenager, and I said boys and men, it's possible that girls and women can be addicted too. But overwhelmingly, sports gambling has been a male oriented thing. If you've got teenagers or 20 somethings in your household, you as a parent need to be paying attention because this is a real deal. And person after person talks about how it ruined their lives. Now I want to talk about that for a second. You can feel like a mess up like this. I'm talking to you. If you have an addiction problem, the mess up and you've blown all this money, it can feel like the end of the world. It's not. You rebuild step by step, you get the help you need. But it's not the end of the world if you messed up. And there's no different than people who get into weird trading strategies in stocks. Another form of gambling addiction. You acknowledge it, you get the help you need, you learn from it and you rebuild. And you do the best you can to tell others that have this problem about your experience and try to help them when they're ready to be helped. Because you're only going to have deaf ears from someone who's not willing to acknowledge that they have a problem. But this is real and it's an escape. But then you can be trapped.

[Caller/Listener]

All right.

[Clark Howard]

You ever known a gambling addict?

[Caller/Listener]

I'm sure we all have, but I don't not.

[Clark Howard]

You don't know anybody specifically. Yeah, I do.

[Caller/Listener]

Okay, questions? Mike in Florida says my credit union offers a high rate checking account which offers 5% for up to $10,000. The rate can adjust up or down depending on the prime rate. They require monthly direct deposits and a fifteen hundred dollar minimum balance, which is fine, but they also require you to make 10 debit card transactions per month to avoid a $20 fee. Do you think it's worth the risk having to use a debit card 10 times a month? I currently only use my debit card at the ATM for cash. I like the 5%, but I just don't know if it's worth the risk.

[Clark Howard]

Okay, so I Love this question. Because you have the certainty of earning 5% or whatever it would adjust to based on movements in the prime rate, but still a decent return on a checking account, obviously in return for bringing a risk into your life of using a piece of trash, fake visa or fake MasterCard 10 times or more a month. So I would weigh the risk worth it for the reward. Yes, there is a chance that bad things are going to happen to you because the lack of consumer protections with a debit card. But you weigh that against the positive reward you're earning, and I would be comfortable with you doing it. For many people, though, the problem is jumping through all the hoops, having the minimum balance, having the direct deposit, remembering to do the 10 transactions on the debit card. As long as you can jump through all three hoops and you're willing to deal with the possibility. Not probability, possibility. Somebody makes your life miserable through a debit card breach, then go for the 5%.

[Caller/Listener]

And then you recently said just if you're using it, do contactless, like do the. Because that way it's good.

[Clark Howard]

Tap to pay.

[Caller/Listener]

Yeah, tap.

[Clark Howard]

Tap pay is a much safer technology, at least for now, until criminals come up with a way to defeat that. Hopefully they can't tap to pay versus the one thing you don't want to do. You don't want to swipe a debit card, you swipe it through. And that is like a 1960s technology. There's like setting a buffet platter for crooks.

[Caller/Listener]

So I have to confess something. I did the dumbest thing and cost myself $600 a month ago. I signed up for a new checking and savings account combo and it had a huge incentive and I was jumping through the hoops. I jumped through them on the checking. I got that. The savings account, I had to maintain a balance through. I thought it was September 1st. So September 4th, I moved the money back into my high interest savings account that I have with Schwab. And so this bank then. And this is the account I use for my. This new account. I'm using it now for my Venmo and stuff. So I wanted to keep minimal money. It was September 7th. Oh no, I missed it by three days. I held the money there for 90 days almost for 87 days.

[Clark Howard]

And you lost 600 bucks as a result?

[Caller/Listener]

Yes. Okay. Elliot in Georgia says, what is your opinion on fractional ownership of a beach condo where you own and are deeded 1/13 of ownership and get four weeks a year to spend there?

[Clark Howard]

So, Elliot, this is an appealing thing for people who would love to have a place at the beach or a place at the mountains or whatever it is, but don't want to have the responsibility for all year. The problem is this is timeshare light. They are having to sell each property 13 times. A lot more sales expenses, commissions, the maintenance expenses. And so this is not the bargain it appears to be. It's obviously cheaper than you owning a place for all 52 weeks. But one of the things you have to consider what happens at the beach, hurricane risk. Are you perpetually liable for the fees and expenses going forward if the condo is rendered unusable by a hurricane? This is not a walk in the park. When you buy fractional ownership, even of a shorter period of time. There are now some of them that are divided by four. And the expenses are not as large proportionally because it's four instead of 52 or 50 weeks, whichever the traditional timeshare would be, or your 13th. The documents I can guarantee you will be very one sided, not in your favor on a lot of different criteria, including who has control of how the fees are set that you're required to pay. So before you would ever do this, this is. You're moving from what is just complete baloney, traditional timeshare to something that's kind of like way station between. You would want to have the contract thoroughly reviewed by a real estate lawyer who would be able to point out to you what are the things that are your obligations that could harm you later in the property. And know that the ability to sell your 13 share is very difficult.

[Caller/Listener]

Oh, man. I mean, this sounds. I would never touch that. Even ownership with like relatives or something of a place. I've heard so many nightmare stories.

[Clark Howard]

There are nightmare stories.

[Caller/Listener]

Okay. Dolores in New Mexico says, what is your take on this new way to purchase used cars? I took Clark's advice and purchased a used car that was in my budget and I financed it for two years. The issue was that no one ever told me the cars were not sitting on the dealer's lot.

[Clark Howard]

Right.

[Caller/Listener]

I would see one I was interested in and before I could look at it, it was gone. When I finally found a car I wanted that was available and wanted to take it for a drive, I was told the car would have to be transported from a neighboring state. Big surprise. This was a chain auto dealership. Is this what we have to look forward to?

[Clark Howard]

Yeah. So inventory is going, although I guess in a technical sense nationwide, it's more region wide usually. And if you're looking at Carmax inventory, Carvana inventory or competitors of either of them. The vehicles are moving around a region all the time. So the idea is that their inventory is so deep for a buyer in one place. Let's say you're looking for a vehicle, you're in New Mexico. So let's say you live near Albuquerque and you're looking and you think the car is in Albuquerque, but it could just as easily be in El Paso or Denver or Colorado Springs or something like that. And you see these truck transports, moving vehicles all over America that are being relocated. Depending on the distance from where you are, a relocation fee will be free within a certain zone of miles. Or they'll say, well, if you want us to bring this vehicle, we're going to charge you X or Y. And the problem is you don't want to buy a used vehicle site unseen because the problems it might have. So what's happened now with the consumer oriented sellers is you will have a period of time, usually seven days or even all the way up to 30 days, to return it for any reason or no reason at all for a full refund. So you use that period essentially for a test drive and if the vehicle doesn't check out with your mechanic, it goes right back and you get your money back. Now know this, most dealers do not have customer friendly policies. The only acceptable policy when you're buying a used vehicle is that you have the right to return it for a refund, not a store credit for against some other vehicle. It must be for a refund because you're being asked to do the second most expensive purchase in your life, buying something that could be junk. And that's why you have to have the right to return for a full refund period. I know dealers don't like that. That's the fact. Speaking of facts, something that's not our friend the snooping Equifax, TransUnion and Experian do on us and don't even pay us for building these dossiers on us. There's something you need to know to protect yourself.

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[Clark Howard]

When's the last time you looked at your credit report? If you can't remember what decade it was, what year it was, we got to have a talk. Because what's on your credit file can hurt. You understand. Equifax, Transunion and Experian are playing horseshoes. They're playing just close enough. In their opinion. They don't at all profess that credit reports are accurate. They're not. They are haphazard. They are maybe close, but it's not at all unusual for a large percent of Americans. Depending on which study you believe, somewhere between a third and more than half of us. If we look at our credit reports from the three bureaus, we will find errors on there, and a meaningful number of us will have errors on our credit report that can lead to denial for a job, lead to denial for insurance, lead to higher premiums for insurance, or lead to you ending up paying much higher interest rates for various things you might borrow money for. So the credit bureaus are contemptuous of you and Me, we are not the customer. We're just data points. Who's the customer of the credit bureaus? Follow the money. Credit bureaus are a perfect example of when capitalism is broken. Because you and me, the data points don't matter because we are, if we have a problem, we're a cost center. We're not a revenue producer. All the people that pay the credit bureaus to build these dossiers on us, which are companies, lenders, companies of all different kinds, especially insurance, loves looking at our dossiers. These companies pay. They're the customer. You and I have an inaccuracy on our credit report. The number of complaints against credit bureaus has been skyrocketing. Absolutely. Going up like a rocket. Because the credit bureaus don't respect the requirements of the Fair Credit Reporting Act. They don't respect that they have a duty to not harm us. And we don't even have the right to keep the credit bureaus from building these dossiers. So when should you be looking at your credit report? Not after you mysteriously don't get the job offer you were expecting. Not when you were declined for a loan. Not when the auto or homeowner's insurer doesn't want to write you and it's because of something that may be inaccurate on your credit file. Very often there will be what are known as married files, which is where somebody of a same or similar name to you, their issues with credit that are negative end up on your file and you're guilty till proven innocent. So you want to check your reports, which is [e-mail] don't buy any garbage. Equifax, Transunion or Experian try to trick you into subscribing to. When you go to annualcreditreport.com all you want to see is you want your free credit report from there. Remember, the only real site is annualcreditreport.com that's the government sanctioned site to see your report. And so if you haven't done it since who knows when, get the files, go through them and when you see things that aren't right, challenge them. That's number one. Number two, credit karma, I think is a very useful tool. And what are they getting out of giving you access to all kinds of stuff about your credit files for free? They're getting data on you that they use to then solicit and get commissions from people trying to sell you different lending products. It is a worthwhile trade off because let's face it, your Information is already out there. So Credit Karma will give you the ability to see a facsimile of your credit scores from two of the three bureaus whenever you want to see them, has a monitoring service for free and is very, very useful as a tool. And so I recommend that if your credit is frozen, which I absolutely recommend, you have to temporarily thaw it just to set up a Credit Karma dashboard, and it goes back frozen and you're good. And I get, I track this stuff so closely and my credit scores go all over the place in a decent range. But I mean, up, down, up, down, up, down. And lately, for reasons that are kind of a mystery to me, my credit score on the FICO scale is higher than it's normally been. But when I look at the Credit Karma, it goes, I mean, not quite an EKG up and down, but it does move up and down as much as 50 or so points depending on when I look. So being on top of this is really useful in your life.

[Caller/Listener]

Okay. Ron in Tennessee says, my dad bought a house in 1965 and the interest rate was 6%. So aren't the rates today pretty good? The 1 to 4% rates aren't realistic anymore because of the circumstances at the time. Is that right?

[Clark Howard]

Okay, Ron. I remember when mortgage rates were over 20% and I assumed a loan that was such a deal. People say, how did you get that loan? When rates were over 20%, I assumed an 8 1/2% loan. I thought, man, I'm the luckiest person alive that I have an 8 1/2% mortgage.

[Caller/Listener]

And you were.

[Clark Howard]

I was at that time. So, yeah, I mean, rates can only be looked at as a snapshot in time. And the rates we had as a result of the banking scandals leading to the Great Recession and the foreclosure waves and all that, the government did what's known as rate suppression, which is an extreme tactic that forced down mortgage rates and had all kinds of weird effects on the housing market, including now tens of millions of people being in housing lock, where they feel like they can't move even if the house they're in isn't really where they want to be, or maybe the city they don't want to be. They can't give up their 1 2, 3% mortgage. And so this will correct over time. And the best would be if mortgage rates are not subject to rate suppression and they go in the marketplace as they should. We would not be in such an odd situation in the housing market if we hadn't had the rate suppression during the aftermath of the banking scandals. But the thing is, at the time we were worried about a worldwide depression. So the cure may have been necessary to deal with the disease, but it created the disease we're in right now, which is not as serious as what we were facing 15 years ago, but is still quite disruptive in the marketplace.

[Caller/Listener]

Greg in California says hi, Clark, this may be a question on a lot of your listeners minds. What do we do when our Windows 10 computer is not Windows 11 compatible? I was wondering if converting my Windows computer to a Chromebook is a good option. It seems I only have two other options. One, continue to use Windows 10 and not get critical security updates, or two, use my computer as a paperweight.

[Clark Howard]

What was that show called? Do you want what's behind door number one? Door number two? We only have door number one, door number two. But on that show, what was that called?

[Caller/Listener]

Oh, I don't know.

[Clark Howard]

There was a third door. So I want you to look in the third door, which is Microsoft is making available a security update subscription that will carry you for another year through October of 26. And it's 30 bucks. And rather than your computer, if it's your computer's still working fine, pay the 30 bucks and get one more year out of it, knowing that the security updates will be done. And then at that point, yeah, your computer could be, if you're really into cool stuff, it could become a Linux computer, it could become potentially a Chromebook. We have information about that on clark.com you can at that point choose to buy another computer. My middle daughter just got a Chromebook plus as a replacement for her old Windows computer. And she said I'm obsessed with this thing. It's so funny because my whole family's always made fun of me for being a Chromebook guy and now she's like, this thing is really awesome.

[Caller/Listener]

All right. Ed in Massachusetts wrote in with this one. You recently mentioned the services your local library can offer. And I wanted to add a service my local library provides that wasn't mentioned. My library offers 3D printing at no charge as long as you provide them with the files which can be found on various sites on the web. I've used this service in the past and received my print within a week or so. So inform your listeners to check all of the services their library can provide. You may be surprised.

[Clark Howard]

Okay, I'm dumbfounded. I never. That would never ever occur to me, me either. That a library would be offering free 3D printing. Just imagine you have an old classic vehicle and you Need a part and you can't find it and you go to the library to get it 3D printed. That's funny.

[Caller/Listener]

I don't know if the material is what you would need for that. Right. Like they may just have plastic or whatever.

[Clark Howard]

So I read something on one of the air industry blogs that airlines are now able to 3D print parts that they need in one part of the country that are in a warehouse somewhere else in the country. Get a plane back in the air quicker. Wow. Next time I talk to an aircraft mechanic, I need to ask him or her is that really something? Is that news of the weird or is that really going on? But 3D printing is something. How long have we been talking about 3D printing? And it's still kind of at the edges and it's not my dentist.

[Caller/Listener]

3D prints crowns.

[Clark Howard]

Yeah. Which. Which we talked about on the podcast years ago when that was first coming around. So do you have a 3D printed?

[Caller/Listener]

I do have one.

[Clark Howard]

Really?

[Caller/Listener]

Yes.

[Clark Howard]

And has it behaved like it's fine?

[Caller/Listener]

The other crown got it years ago.

[Clark Howard]

So you get to do it one visit instead of.

[Caller/Listener]

Exactly, yeah.

[Clark Howard]

Oh, I like that.

[Caller/Listener]

No, temporary. It's nice.

[Clark Howard]

How long have you been royalty? When did you.

[Caller/Listener]

It's got to be at least six or seven years ago. I think she printed it.

[Clark Howard]

Well, thank you so much for joining us today. And I want you to know, appreciate that tip on 3D the library that we have all kinds of info for you that comes to you if you want it, every single day for your empowerment with knowledge to either make you money or save you money. Because we have daily newsletters, totally free, that are available for clark.com and clarkdeals.com and our open rate, what's known as open rate, is when do people actually look at the email? Our open rate is unbelievably high. Very, very, very rare. And it's because we make it just as easy to can us is to get us as a newsletter. And if you keep getting it, you're doing it because you're finding it useful in your life. And of course it's priceless, free. Which is. It's free. It's for me. So if you want to see or try one of our newsletters, go to clark.comnewsletter or newsletters. Check it out. Because the idea is to give you up to the minute information that again will save you money or help you preserve your money or make money. That's what it's about for you to be in control. And everything we do is about you. Learning ways to save more and spend less. And of course, on the Clark newsletter, you'll get information to avoid the latest, ugliest, hottest scams out there because they morph all the time. So this is for you to be in more control in your life and not waste your time. So with that having been said, have a great day and I look forward to being with you on our next podcast and YouTube show.