12 questions

The One More Round Podcast host, Keith Marshall, discusses his recent vacation at the beach and reflects on the importance of telling the truth. He mentions receiving messages about the mayor taking a shot at him on social media. Keith announces that he will be discussing 12 important questions that should be asked to elected city officials, specifically the mayor. The questions revolve around the city's financial situation, including borrowing $4 million and using up reserve funds. Keith emphasizes the importance of getting direct answers and showing evidence. Welcome to One More Round Podcast where we untwist the lies and iron out the truth. Now, let's get in the ring. I'm your host Keith Marshall and let's go one more round. The only thing we have to fear is fear itself. Tear down this wall. We will make America great again. If I say something that you don't want to listen to, don't listen. One more round. Hey, welcome to One More Round Podcast. I'm your host as always, Keith Marshall. Welcome to the ring. Hey, today we're going to talk about 12 very important questions. 12 questions that I'm going to recommend. I'm going to recommend that you ask our elected city officials in the city, specifically our city council within the city. More specifically, the mayor of the city of Rappaport. I want to recommend that you ask these questions because here at One More Round Podcast, we are all about the truth. We want all sides to be told fairly and honestly and accurately. Now, I know a lot of you guys have sent me some messages over the last week. I spent the last week at the beach, the past week. I have to admit, I'm going to warn you ahead of time, sometimes after spending some time at the beach, I wax a little poetic. There's something about the ocean that has an effect on me. I think it does on a lot of people. There's a lot of places to go on vacation each year. We talk about different places to go and different things to do. But somehow it doesn't feel like a vacation to me if there's not ocean involved. You really don't. I spent the week down at the Outer Banks, and I particularly love the Outer Banks. I really do. I love to drive out. I take my truck. It's four-wheel drive. Drive out onto the beach. They have ramps there where you can drive out on the beach. I fish, and we take the kids out. This particular year was even more special because I had all of my grandkids with me here at the beach for a week. All of my children, all of my grandkids, but one son couldn't come, and we really missed him. We were disappointed he couldn't come. But he had to work. Life does that to you when you have to get out there and get them old jobs and go to work. Some of you may not understand that, but I think most of you do. But anyway, we spent a week at the beach, and I really reflect a lot in front of the ocean. I spend a lot of time staring and looking. So don't be surprised if a little of that doesn't come out on my podcast today. But while I was at the beach, I was saying, while I was at the beach, I got a lot of messages, a lot of screenshots that people had taken and saved. And apparently the mayor took a little shot at me there on his Facebook page. And I want you to know, hey, I know it upset some of you. Don't let it bother you at all. Let's just make sure we get the truth out. And honestly, I've been working on this episode in my mind for some time. And I hadn't necessarily planned on doing it this week, but I think it's time. I think it's time we revisit a few of these fine points. And after listening to the city council meeting, I completed that this week. I wasn't in town, and I did not take my vacation week and listen to it. Although, like I said, even on vacation, One More Round Podcast is still working on ideas and still thinking about topics and still investigating, still taking emails, still getting phone calls from people. All those things are still going on, even on vacation. But this particular week was no different because it continued on. But like I said, I know a lot of you have sent me some information, and you were kind of mad about some things. Trust me, I am on cloud nine. I'm enjoying what I'm doing. I love bringing this podcast to you each week. The truth is very vindicating. When you tell the truth and you have facts to back it up and you can show it, it's very vindicating. Because if you don't have the facts to go with it, if you don't have the proof, it's just words. It's just opinions. You know, I do give opinions sometimes. I will admit that. Some of the things that I talk about are my opinions. But I try to let you know that that's a fact. But today, I'm going to go through 12 questions that I believe you need to ask your elected officials. Because some of them, quite frankly, they're living in denial on these things. They're trying to convince us that we have lying eyes, that we're not seeing what we're seeing, that we're not reading what we're reading, that we're not watching what we're watching. No, something else is going on. You're wrong. Well, I think we need to, together, explore some of those topics, ask some of those tough questions, and show some of the evidence that we have. So, I'm going to go through, again, 12 questions that I think you should ask your elected officials. And how do you ask them? Well, you know, you can give them a call. You can send them an email. You can write an editorial in the paper. You can show up to city council meetings. That would be a good one. And speak in the citizens' time and say, Hey, I have some questions. Could you give me direct answers to these? Not platitudes, not half-truths, not wishing-wannabes, actual truth. So, let's get into these and let's get talking and talk about some of these questions that I think you need to ask your public officials. And here's number one. And, like I said, ask these to all your elected officials. Don't leave anyone out. I think there are several of them that, hopefully, know and accept the truth and would like to answer these questions. But, for the sake of this particular episode, I'm going to address these to the mayor. Because, after all, from what was sent to me from the screenshots, it appears that he might be questioning my veracity just a little bit. He may be calling one more round podcast, People That Lie About the Truth. So, let's just ask some really direct questions and he can answer you really directly. Now, it can't be this we're working on it or what he's saying is not true or it's only partially. No, let's get him to tell the whole truth about these questions because I think it's important. So, number one, Mr. Mayor, did the city of Radford borrow $4 million in September of 2023 to cover bills and obligations that were due? Bills and obligations that the city did not have the funds to pay? I think it's a great question. I think it's a good first question. Because that was when we all kind of learned about what was going on in the city. And I talked about that in a previous podcast about being, you know, about the city being out of money. And I talked about this specific council meeting where it was discussed. And you can research back through there and find those episodes and listen and go through it. But what we learned was that the city was in the rears a couple months on, for example, their AEP bill, which runs $1.2 to $1.5 million a month, so almost approaching $3 million just on that. We learned from the council meeting that there were some concerns about making payroll, which runs somewhere in the neighborhood of about $630,000 every two weeks. There was all kinds of other funding issues and obligations that they were not making, that this $4 million was designed to bail them out for. Now, we're going to get into it a little bit later, and we're going to talk about the council meeting that happened Monday and some absolutely false things that I believe were said by the mayor, and no one corrected him. So, hey, I will. But that first question, I think, is important. Did you borrow $4 million in September of 2023 in order to cover your obligations and bills and whatever else you needed the $4 million for? And let me ask you this, in question number two, did you spend up nearly all of the city's reserve funds that could have covered those obligations? Had you or did the city of Radford use up all, nearly all, of its reserve funds? In the general fund and in the electric fund, did you run us nearly out of money? Now, the answer is yes, and I think the excuse was used the other night that they used the reserve funds so there wouldn't be any kind of issues against the citizens. They didn't want us to bear the burden, and we're going to show how, boy, ain't that false here in a little while. But that's a good second question. Did you spend up nearly all, if not all, of the city's reserve funds, specifically in the general fund, but also in the electric fund? Number three, was the auditor... Now, there's been some questions about, hey, we're not really out of money. Things are not as bad as they were. One more round podcast, Keith Marshall's show, is just a twist in the facts and telling it from his point of view. Well, so let's just talk about the auditor that the city hired to do our books. He came and he spoke to us, so the third question is this. Was the auditor telling the truth when he stated both verbally and in his report that the city had drawn down its funds, leaving only $66,000 remaining in their account? Did they reach that low level in their budgeting process and in their financial state? Imagine that, a city with a $70 million budget down to $66,000 in the bank. I mentioned in one of the podcasts, you have much more money than that in your 401k for you and your wife. $66,000 for an entire city. Is it true, or did the auditor lie and twist the truth too? Number four, is it true that when the city borrowed that $4 million in September of 2023 and they received it, is it true that the city owed almost every penny, if not more, in obligations and debts? Meaning in electric bills and payments to the schools and in several other different areas. Is that true? And if it's not true, I believe it is true and was true, but if it's not true specifically, what did you use the $4 million for? Tell me what you spent it on. How did you use it? That's number four. Let's jump to number five. We've got 12 of these, so we want to get through all of them. Number five, why was the city not able to pay back the $4 million it borrowed in 2023 before June of 2024? Let me go a little further and just a little deeper to explain my confusion on that. You know, we were told that this was just a rough patch. We were told, and it's been used a lot, and it was used again the other night, it's just a cash flow issue. Well, you know, a cash flow issue does not last all the way from September to June, okay? However many months that is, nine, ten months. No, that's not a cash flow problem. That's a revenue problem. So if you had to wait until June of 2024 when all of your tax revenue came in for your midyear taxes, after you'd raised the taxes, by the way, if you had to wait until then to pay any of that $4 million, it doesn't look like they paid a dime of it before this month. If you had to wait until then, why did you not have the flow? Why could you not have paid any of the $4 million? If it's just a cash flow issue, if it's just a rough patch, why could you not pay any of that $4 million between September of 2023 and June of 2024? It doesn't sound like a rough patch problem. It sounds like a funding or revenue problem. You don't have the money. You know why? You're broke. You're broke. And I think it's a great question. It needs to be asked. Why was the city not able to pay back any of the $4 million borrowed in September of 2023 before June of 2024? Now, here's a good one. I think it's real important, one that really gets my blood boiling a little bit, and I think it should for most of you too, because it has not been addressed and explained by our elected officials, and it's this. Number six, is it true that the city of Radford is and has been delinquent on its payment to the Radford City Public Schools? That payment, by the way, and we went through that in a previous episode. You need to check it out. It comes out on, I think it's May the 16th. It's called Meetings, Lives, and Letters, the Continued Decline of Radford City. But in that, I brought some really important information to the table, and we learned that the city of Radford had not paid their monthly bill to the Radford City Public Schools, a bill that they're obligated to pay by law for funding for their public schools. Each locality has a funding model that they have, you know, it's based on your income level, your population, all these things. And Radford has its own, and it comes to about 408, well, I'll be specific. It comes to exactly $486,627.33 per month. And as of today, as of the day I'm recording this podcast, they are delinquent in that for the whole year of 2024. That's January through June, and it totals, they're in the rears, $2.9 million to Radford City Public Schools. $2.9 million. So is it true, Mr. Mayor, that the city has not made their monthly payments as required by law and by just decency and obligation? Have they not made their payments for the entire year of 2024 to the Radford City Public Schools? Now, I'm hearing, I'm hearing that they plan to cut a check for that amount. I'm assuming January through June, $2.9 million, they plan to cut a check in that amount to the Radford City Public Schools, possibly by the end of this week, which coincides to something else we're going to get into. I don't want to jump to that question too fast, but they've went and they're borrowing some more money. We've talked about that. It coincides with that funding going in, and we'll talk about that a little later. So hopefully by the end of this week, they will have satisfied that obligation. And I have learned through some decent sources that the schools are really starting to struggle. They're starting to wonder, how are we going to pay our bills? Now the city's malfeasance is going to affect our kids, our teachers, our schools, all those things. So it's a critical issue. So the mayor should be asked, is it true? Is it true that from January of 2024 through June of 2024, you did not make your payments to the Radford City Public Schools? Is it true? Number seven, and I think this dovetails with that, because we need to ask it. Was the Radford City Public Schools superintendent, Dr. Joyce's letter correct? And again, that goes, it ties with number six. He sent a letter. I read it to you in that very same podcast. He sent a letter to the city manager that I read. Was Dr. Joyce's letter correct when he explained the city's delinquency in providing that funding and those payments to the schools? Was he also correct in that letter when he said the only payment that the city had made to the schools for the monthly funding portion, the only payment that they made was in February, and that was because they were delinquent from December of 2023. Now, let me ask you this, Mr. Mayor. Did the superintendent of Radford City Public Schools tell the truth in his letter? Were you delinquent on those payments or not? I think it's a great question. I think you need to answer. Everyone needs to answer. All right. We're going to go on to number eight. We went through seven. We're making good time. We're going to eight. All right. Mr. Mayor, is it true that the city of Radford was forced to borrow an additional $4 million? On May the 10th, this past meeting, you just had a vote on it. It's right there in the YouTube video. Anybody can go and look. But maybe, hey, maybe I twisted it. Maybe I'm hearing wrong. Maybe my ears are stomped up with sand. I've been at the beach. But let me ask, was the city forced to borrow an additional $4 million on May the 10th? Did you vote on that, Mr. Mayor, on May the 10th to borrow that $4 million to meet its current and future obligations? Did it happen? Well, we all know that it did. And it pretty much coincides. It looks to me like, you know, June is the month when we collect all of our midyear taxes. You know, there's two times, June and December. We collect a little over $4 million in June. It looks to me like the best way I can wrap my hands around it, and I don't have access to the city's checkbook to see everything in real time, but it looks to me like the city pretty much took the entire amount of money we brought in in taxes in June and paid off the first $4 million loan, or that's their plan. That's what it looks like to me. They paid off that $4 million. They didn't make any payments on it that I know of or nobody can show us. It's not been brought out at the council meetings. Nobody's presenting that. It looks like they didn't make a single payment on it from September of 2023 until June, until this month, and then all the tax revenue, what we're supposed to be living on for the next six months, all of that tax revenue that came in in June is being used to pay off the $4 million 2023 loan, and we're now forced to borrow $4 million additional dollars to meet our existing obligations. Now, that's a great question. Did it happen or not? Well, it did, but there is a question in my mind that I think I want to answer, and I want to refute completely what was said by the mayor in that meeting in a statement that he made to those in attendance and whoever was listening on YouTube, and basically it was dealing with why they're borrowing this $4 million. Now, what the mayor said or what he indicated were made pretty clear, and I started to put the recording on here to just play it, but, you know, I'm not sure about all that, so I'm just going to quote it as best I can as I scratched it down. But basically what he said that I found just absolutely ridiculous, and go back and listen to it for yourself. Like I said, YouTube May the 10th, the Rafford City Council meeting just happened last week. It's the very last one they had. But he said and indicated that there was some, you know, talk out there that was incorrect and that was misunderstood, and that the reason for borrowing this $4 million was to build up reserves. He said that there, and he went on to say, he said, look, this is not because of bankruptcy. It's not that the city is broke, and it's not that we're borrowing this money to just pay bills. We're borrowing this money to build up reserves. Well, you know, I've got to ask you, and I think any accountant, any financial advisor, their head is like exploding right now. Who borrows money to build up reserves? If you had funding coming in, if you had extra money that you would eventually use to pay off this $4 million, if you had that, you would use that to build up reserves. If you don't borrow money at 4.47% interest, you know, $4 million at 4.47% interest, that's getting up there just under $200,000 that you're going to be paying in fees and in, you know, interest. That's more than a percent of real estate taxes. So you're not going to borrow money to build reserves. Here's the fact. They're borrowing the money because they're broke, and they owe people money. How do I know? Well, let's just, we already mentioned it. They owe the Rapid City Public Schools, they're in the rears, they're behind on their monthly payments, $2.9 million. And I found out this week, they owe AEP between $1.2 and $1.5 million. They already owe the $4 million again before they get it. It's not true that they're borrowing money to build reserves. They're borrowing money because they can't pay their bills. And where's it going to come from? And they're calling it a cash flow issue again, you know, just a rough patch. It's not a cash flow issue. If you've had to borrow $8 million in less than a year in order to keep yourself afloat, that is not a cash flow issue. That's a revenue issue. That's a reserve funds that you don't have issue. That's a financial malfeasance issue. You've spent up the reserves, you've squandered our wealth, and you can't pay the bills and you're borrowing money to keep yourself alive. You know, and I mentioned, that's just, that's at $2.9 million through June. Well, guess what? July is two weeks away. It's two weeks away, and that's another $486,000 plus that you owe the schools. So the truth of it is, before you even get this loan, you owe $3.4 million of it just to the schools. Don't tell me you're borrowing money to put in reserves. You're not going to have a nickel of it left to put in reserves. You owe it all right now. And that's before you drop in the $1.2, $1.5 million to AEP. Well, we're at $4.6, just simple math right there. You owe $4.6 before you ever get the $4. No. No, Mr. Mayor. I'm sorry. You're not borrowing money to build up reserves. You are borrowing money because you're broke. You are borrowing money because you can't pay the bills. I know it doesn't sound good. I know it doesn't feel good. I know it doesn't make you look good. But it's a fact. It's a fact. And until you face it, you're not going to fix it. And let me point something else out. I brought this up a little while back, a few minutes ago in the podcast. And that the reason they said they spent up all the reserves was because they didn't want to put this burden on the citizens' backs. No, they spent up the reserves because they needed it to pay the bills. They didn't have the money. So if you really cared a lot about the citizens, I think when you face this budget, the one that you just passed, 70-plus-some-million-dollar budget, you would have made some serious cuts in that budget to streamline this and fix this problem. But you really didn't. You didn't have the courage to stand up and make that happen. So what did you do? You went and took the money from us. How are you trying to fix this problem? Well, you raised real estate taxes, five cents per hundred dollars, on everyone. We pointed out in the podcast about, you know, the tax man coming, about how we're actually paying, in some cases, 10 or 15 cents more, depending on this new monster assessment and what your house was assessed at. So you raised real estate taxes. You also went and raised the electric rate. You went and raised the water rate. So the truth of it is, in order to keep yourself afloat, you didn't make any cuts to the bureaucracy of government, ones that you really needed to make. You went and took it out of our pockets. We're paying for your malfeasance. You didn't spread it out across the board. The schools are paying. The citizens are paying. Our businesses are paying. You took it out of our pockets. That was your plan. Come get it from us. It doesn't look like it's going to be enough. But that's your plan. You didn't borrow the money to put it in reserves. You borrowed it to pay the bills, period. That's my opinion, and I'll take it to the bank, but I believe it's backed up by facts, by bills. Ask him, is it true that you owe AEP money? Is it true that you owe the schools money? Answer the question. I think we deserve answers. All right. We're going to go to number nine. And number nine is following up on number eight, and I'm sorry, I bled into it. I got excited and I couldn't stand it. But number nine basically is that question. Is it true that the city of Rafford is using nearly all of the new $4 million loan to catch up the city's delinquency just to Rafford City Public Schools? $3.4 million owed to our kids, our teachers, our schools through the month of July. That has not been paid yet. That will be due here in two weeks. We already know that 2.9 is due today. It's past due. And hopefully it's true that they're going to make that payment soon. The schools need it, I believe. But I think it's also true, and it's a great question. Is it true that nearly all of the $4 million loan will just be used to pay back the delinquency of your payments to the Rafford City Public Schools? Okay. Let's go to number 10. Now, number 10 is more specific to just the mayor. You can ask anybody all of these questions, but this is one that really just pertains to the mayor of the city of Rafford, and it's this. Mr. Mayor, did you, in fact, negotiate on behalf of the Rafford University Foundation directly to city employees to get a better deal for the owners and investors in the Highlander Hotel? Did you do that? And let me go to number 11, because number 11 ties with it. Were the FOIA emails that you and all the members of councils, along with One More Round Podcast, obtained, were they correct when they clearly displayed your personal email chain with those working for the Highlander Hotel development process? You know, the people with the Rafford University Foundation? Were those emails, should I not believe my lying eyes, were the FOIA emails that we read here on the One More Round Podcast in red over black, one, two, and three, were they correct? Were they forged? Or did you really have those discussions with someone affiliated with your employer? And on behalf, in my opinion, on behalf of your employer. Did you do that? Were the emails there? Were they real? Did I read them correctly? Did I leave something out? I think it's a great question, and I think you need to answer those. And you need to answer them now. That's one through 11. Okay, we're going to finish. I'm trying to keep these podcasts, I'm trying to keep them down short. I mean, a couple of y'all said, look, we're busy. Enjoy the podcast. Try to keep them around 30, 40 minutes, Keith, because it just sinks in better that way. And I think I agree, and I'm trying to do that too. I'm trying to get better so I'm not so long-winded. But let's get on to number 12. Now, number 12 deals with taxes. And it's also going to be a question that you'll need to ask directly to the mayor because it doesn't really pertain to the other elected officials, just like number 11 did not, number 10 and number 11. But here's the question. Is it true, Mr. Mayor, that in 2018 you responded to rumors that suggested that you would raise taxes anywhere from 10 to 15, 20 cents? That you responded and said that you would never do that? And that the city of Radford basically couldn't handle that? And did you also say, in your response to that, that you need to make sure that the city wasn't broke? Did you say that in 2018 when you were running for mayor? Because it's pretty important. Because the truth is, if you said that, and Mr. Mayor, you said that. You said that. But I think you should ask him a question. I think it's fair. Maybe he has a different response. Did you say those things? And if you did say them, why didn't you keep your word? Why have you raised taxes well above 10 cents? Well above 10 cents since you've been mayor? You've blown it out of the water. I mean, in fact, in this last time, when you hit us for 5 cents of it, I mean, and you passed it the realistic way. But this past time it was 5 cents. And we found out that realistically we were all paying 10 to 15 percent more, those that had these huge monster assessments. But did you say that, Mr. Mayor, in 2018? Did you stand in front of the city of Radford, put out a video to everybody to read to refute these false, quote unquote, accusations about what you do? Did you say that you would not do that? You would not raise taxes more than 10, 15 cents? Did you say it or not? I think it's important. I think these questions are all important. I think they should be asked. They're very direct. They're very straightforward. I believe that I have answered every one of those questions on the One More Round podcast in the previous months. I've talked about each one. I've showed the facts from my point of view, from my point of view about each and every one of them. So, Mr. Mayor, answer the questions. Elected officials, answer the questions. Very direct questions. If it's wrong, if it's only partially correct, or if you have some proof. Now, it's not an answer to a question to say, no, that's a little misleading. Well, okay, if it is, why is it? What is the specific truth about each of those 12? Name it, list it, and let's have it. You know, I mentioned I spent time, like I said, at the ocean. One of the things we love to do, we love to fish at night. Now, it's a very different, now we're not talking about Myrtle Beach here. You know, you go to Myrtle Beach and you got the lights from the Strand and the hotels and all shining on the water. It is not that way at the Outer Banks, and I'm glad it's not. When you go out on the ocean, on the beach at night, and you fish, it's black. You know, a few stars out, maybe a moon or whatever. But when you look out, and I love it, it's kind of eerie at first. But when you look out across the ocean at night after the sun's down and long gone, it's just black. It's just black as midnight out there. And, you know, we was out one night and we were fishing. And I was sitting there and I was sitting in the chair and I was, you know, just waiting to see if we'd catch anything. And I looked out in that sea of blackness. And way, way out there, and I think you've probably seen these things too before. You've seen this before, it's really cool. But way out there, I could see one light. There was a boat out on the water, way out in the ocean. And you could not see it. In a sea of black, there was one light, one light shining. And, you know, I told you I was going to wax poetic, so I'm sorry. I apologize, but I'm going to do it anyway. But this is what I thought. I thought, you know, the truth's a lot like that. And it's real important to me at this podcast to try my best to tell the truth. Now, sometimes you have to connect dots where there isn't anything. And I use my experience and I use, you know, I use opinions of others and other people's experience and wisdom to do that sometimes. But facts need to come out. And I feel like sometimes one more round podcast is just like that boat out in that ocean. One light that's trying to shine the truth on what's going on as best that it can. Now, I don't do this podcast. I'm not trying to get something out of it. I'm not running for office. List of candidates should be by the time this podcast comes out, there should be a new list of city council candidates coming out. I'm not going to be on that list. A lot of people have asked me to run, really worried me to death to run, begged me to run. I appreciate that. I'm so humbled by that. I don't know why you would want me to do it. People that say that, I appreciate. I am extremely humbled by it. But I have no desire to do that. I'm not using this podcast to help me run for office or get elected to be popular. I'm not. I'm sure it has the opposite effect on me personally. I'm not using it for any personal gain. I'm not making any money off of this podcast. It costs me money to do it. You know, I've had numerous offers here lately. Our numbers are getting high enough that I'm being offered ads. I could start selling ads on this podcast. And I've been offered several. I could, you know, start banking a little money on this deal. But I don't want to do that. I'm resistant of that. I'm not saying I never would. I don't know. But I'm really resistant of that because I don't want anybody to think that somehow I'm doing this for any kind of personal gain. There's no personal gain here. It's a lot of work. I enjoy it. But it is a lot of work sometimes. It takes a lot of extra time. But I feel like sometimes I am that one light out on that black sea. And that needs to change. I want to invite you into the water. The water is warm. We need more lights out on that ocean. We need more boats. Plenty of room. More lights. More truth. Make everyone accountable. These 12 questions are very direct. I'm positive, though, even as direct as they are, some, when they try to answer them, will try to nuance them, twist them around, attack the person asking the question rather than answer the question and be honest. But you keep asking them. You keep asking those questions. And I'm going to do my best every week to bring you what's going on. Sometimes they're good stories. We're talking about the gems of Radford. Some good things that are going on. There are some really good things going on. I love Radford. But Radford's in trouble. It's in financial trouble. Our independence is at stake. Will we work our way out of it? I hope so. We might. It's not looking good, though. And lying about it or blaming others for telling the truth about it or not facing those issues and fixing them and making the hard choices, that's not how to save the day. That's not how to fix it. We've got to do better at that. All right. I hope you've enjoyed the podcast today. Like I said, it's some pretty direct questions. It's some tough questions. But we're all men here, men and good ladies. We can take it. We can ask them. We can stand the answers. And we need to do that. But I want to finish this podcast the way I always do. And that's with our theme verse. And, of course, it's found, as always, in Ecclesiastes Chapter 12, Verses 13 and 14. And God's Word says this. Let us hear the conclusion of the whole matter. Fear God and keep us from error. For this is the whole duty of the Lord. For God shall bring every work into judgment with every secret plan, whether it be good or whether it be evil. Hey, thanks for joining me here in the ring again today. Until we meet again and speak again, I hope God richly blesses you. You have a wonderful weekend. And until then, goodbye and best wishes.