Growth & Grace

Wesley Knight 0:00
This is a KU NB studios original program. The following program is underwritten by Crawford management group and Chris glow and does not reflect the views or opinions of 91.5 jazz and Moore the University of Nevada, Las Vegas, or the Board of Regents of the Nevada System of Higher Education

Music 0:18
even better than I was the last time. Baby

Leaha Crawford 0:35
we back and we back and we back and we back and we back. You. Good morning, Las Vegas. Happy fall. Julian, it's October.

Julian Rosado 0:49
It doesn't feel like it still hot, as you know,

Leaha Crawford 0:53
it's not that hot. It's not as hot as it was. Oh yeah, it's not as hot as it was. Did you watch the game?

Julian Rosado 0:59
I was too busy watching the other games, but yeah,

Leaha Crawford 1:02
okay, all right, okay, so we had this conversation last week. You were watching Dallas.

Julian Rosado 1:07
How was the game? Yes, it was. It was one. It was a tie. It went through 4040, it went to overtime and ended as a tie. First time ever in history.

Leaha Crawford 1:21
First time ever in history. Yeah, so I missed a historic game, watching another

Julian Rosado 1:26
game, Story game, watching it was blast. Yeah, it

Leaha Crawford 1:30
was okay. All right, all right. So who we watching this week?

Julian Rosado 1:35
Watching the Eagles and the I believe they play the air, I believe. Okay, yeah,

Leaha Crawford 1:44
I should say it's gonna be a good one. It's gonna be a good one too. Yeah, yeah, cuz I watched, I watched the Eagles and the Bucks last week.

Julian Rosado 1:52
Oh yes, it

Leaha Crawford 1:55
was Yeah, because last year we went to the game. Oh yeah, yeah, last year that was the game. Who was the pointer back then I have no idea. Then, I don't know. You know, I'm not that good. You know, I'm just playing this, just playing with this a little bit. I just know I like my team. So all for all the women out there that really don't know it's okay, we just like to watch the men run up and down, running up and down the field. It's okay. It's okay because I am that girl. But I am E, A, G, L, E, that's my man number 2323

Julian Rosado 2:22
running up and down. 23 or 24 girl, I don't know

Leaha Crawford 2:28
that's us, but it's so funny because our cousins, they got stats. They got I'm like, Look, that's too much, too much information. That one right there, right the green uniforms. That's what I like. All right. So today y'all, we have back in the studio with us. Mr. Frank rubacabla, I got it right. Hey, Mr. Frank, with Operation Hope, and we're going to talk again, because it's the end of the year. I know we've had an amazing year, or maybe it wasn't so amazing, but it's still amazing. And just talk about some things you can do, and some services that they provide that we want to introduce you to, because they have workshops, one on one coaching, and I love this one, the 700 credit score community.

Frank Ruvalcaba 3:12
Thank you, Leah, thank you, Julian, for having me here at their show. It's it's a pleasure being here and sharing with you guys and your audience about what we do again. My name is Frank rual Kaba, and you have, you almost got it, almost got it. You rolled the art perfectly. There we go. Oh my goodness, yeah. And I'm, as you mentioned, I'm with Operation Hope. Operation Hope has been around since 1992 and its inception. And pretty much, we focus on providing financial education to underserved communities. And our mission is basically to empower the community to be able to understand what credit is, basically also to understand their finances. Besides the credit and management programs that we have. I'm a financial well being coach here in Las Vegas, and but we do have other other coaches in within the the organization that provide home buyers education, and they also have a small business coaches that will assist people that are trying to establish their own business. So it's not just about credit. It's not about just the financing, but it's also about helping people, you know, become entrepreneurs, and also to help people with home ownership. So that's the logistics of what Operation Hope is. And so by my role as a as a financial well being coach, is for me to teach people what credit is what credit is composed of, and if there's issues with with they have challenge credit. We're not a credit repair agency, but

Leaha Crawford 4:50
we clean, oh, you fix credit.

Frank Ruvalcaba 4:53
Yeah, yeah. One of the things that we do is that we teach people of how to work. With credit. We do have some workshops and work plans that we want if a person decides to go with a full the full course of what we offer is that they have to go. They have to be committed. It's all about accountability. So I can me as a coach, I can tell you, you know what? This is, what's on your credit. This is how you fix it. But in order for you to fix it, you got to do something about it. So we, we meet today, and then six months on the road, we discuss about your progress, on the on the program itself, on the work plans that we, that we that you have to take to either do improve our credit improvement or establish credit, or budgeting, or any of that. If you don't do anything on your end, I mean, there you're not going to get anywhere. So the whole purpose is that's about accountability. So that's what we're here for, to make sure that we teach it, we show you the road, and you as a as a client that goes into our into our program, is for you to do your part and do the work you know, complete the work plans and do the lessons that are designated to your specific needs.

Leaha Crawford 6:03
Love it all right, let me put the contact number out there. So the contact information is 404-994-9011 again, 404-994-9011 Okay, so you took my, you took my my question, because I was going to ask you, what was a well being coach, but you seem to have covered that. How do you enjoy being a well being coach?

Frank Ruvalcaba 6:27
You know, it's I like what I do, because I got I go out to different different organizations to show them we know what we do. And it's all about people. The it's in the sense of accomplishments, like, wow, you know, this person didn't know, you know, what credit was composed of. Or this person had no credit and didn't know what to do with it. So as we go out to the community and answer those questions and help them guide, guide them through the process of establishing, or, you know, rebuilding credit, or even helping them establish a budget or emergency, you know, savings, emergency savings for rainy day. You know, that is a sense of accomplishment. Me, as a coach, it's like, okay, I I like what I do because I see the results as people, you know, enroll into the program, and as they do, they're they're part of it, and it's major, and it's a big thing. I mean, right now, Operation Hope we are, we are in partnership with US Bank. They're the ones. The services that we provide are no cost to the to the client. Doesn't matter if they're not a US Bank customer, but US Bank is picking up a tab on me being out here in the community to provide these services. So obviously, if the person opens up an account with them as a checking savings or whatever the case may be, that's a plus, but the main focus of it is for them to empower the community on learning and keeping up with their credit. Credit is important, Lee and I, you were you and I were discussing about credit just before the show, and it's something that it's people sometimes they take for granted, and other times it's like, it's the two ends of the, you know, the the spectrum, because either you don't know anything about credit, or you know too much about credit. It's like, you know, you have to be have a happy medium in there. So and passing this information is really, really useful for the community, for them to understand what it is the concept of credit,

Leaha Crawford 8:26
the concept of credit, because it's very interesting, because I know, like, we're on unlvs campus, and I was a college student, and I know college students there, we offered a lot of credit, you know, everybody wants To give us credit card.

Frank Ruvalcaba 8:41
Yeah, there's somebody out, you know, that going to the right. I see, I've seen some, like, little folding tables with, you know, people passing out credit applications and stuff like that. I've seen that before.

Leaha Crawford 8:52
So, oh yeah, I remember being in college in the 80s, and, oh, I told him, myself, being in college and seeing tables and and getting the credit card right. And I have girlfriends, two stories. So one of my girlfriends, oh, God, I love her, because she tells a story about how got all the college credit cards and she, you know, and she was living her best life, because every credit card that they offer she got right, and every one she got she charged. And what she didn't do, she had the bills going to her parents

Julian Rosado 9:23
house. Oh my gosh.

Leaha Crawford 9:26
One day her father opened up the bills, and she was like, Well, I didn't realize I had to pay him. I just said, it's the 80s, right, right? And she said, Well, they gave it to me. And we just when I tell you, even today, whenever we sit around and we just laugh, you know, her parents paid it off and, of course, cut up all the cards. She has amazing credit now, but she's like, No one taught me about credit when they gave me this card, right? They gave me this card with these limits and well, and she didn't know her parents. Very smart. They put her on she had bank accounts and she had stuff set up when she was younger, just just a different type of family, right? But she said I did not realize that I had to pay the credit card. And I just said, I just giggled,

Frank Ruvalcaba 10:14
lucky you, yeah? And you surprised. I mean, I still get that from time to time. Oh, do I have to make payment? Well, yeah. I mean, yeah, you got, yeah, you borrow money, you got to pay it

Leaha Crawford 10:23
back, or even borrowed money,

Frank Ruvalcaba 10:24
even the ones where you starting to use, trying to establish credit. And for some reason, the creditor doesn't provide you the credit card right off the bat. But you got to do a secured credit card. Yes, you put your own money there, 300 500 whatever the amount is, and I've here, well, it's my money, so why would I have to pay it back so? Well, it's the whole concept of, call the secured credit card. Because, yeah, even though it's your own funds, you still have to, you know, create it's a responsibility that you, you know, 35% of your credit score is on time payments. So if you're going to be using the funds from your secured credit card. Then you know, you're gonna get a bill at the end of the month of to either the pay off the full amount or make the minimum payment, or somebody somewhere in between. But you still as a consumer, even though you it's your own money, then you got to pay back, because now you have to show the responsibility of making those monthly payments, which is going to create, you know, on eventually, over time, is going to create, you know, a good payment history, and it's going to be 35% of your credit score is on time.

Julian Rosado 11:29
Payments, all right? Well, say, if I may, if I want to be a homeowner, right? And I'm pretty sure you get a lot of clients that want to become homeowners, right? And with the raising prices of real estate, yeah, prices of the market right now. So let's say, if somebody comes in and say like, well, by prices between 450 and 550, credit scores looking like six, 671, 670, what? What in they get, you know, denied for few times because what's the income, right?

Frank Ruvalcaba 12:10
It's it when you, when you, whenever you apply for a home loan. There's two factors you got to consider. You know, you how much total money that you owe per month, or your your monthly debt, and also your like Leah mentioned, is your income so if your debt to income ratio exceeds the limit, because on FHA, you can go up to probably about 53% back in debt to income ratio. So if you're if your credit exceeds the 50% mark, I mean, you're not going to qualify. So what you need to do that person is to eliminate monthly payments or bring a cosigner to be able to buy, you know, qualify for home but mainly, that's how you know it. That's how you get qualified for a home loan. It's, you know, how much money you make, how much money you month, your monthly payment, plus a new house payment, and if you exceed that, you're not going to get

Julian Rosado 13:03
qualified. And this is something that you will work out with.

Frank Ruvalcaba 13:07
Yeah, we, one of the things that we do as a as a financial well being coach, is that we do on the one on ones, as Leah mentioned on the beginning of the show, is that I sit with the client and do a credit as a we would do a financial assessment. So once they enroll as a client, and we have also a partnership with TransUnion, which we get a soft credit check to see what gave us an idea what is reported in TransUnion. Most you know, as you know, there's three credit agencies, Experian, Equifax and TransUnion, we only have access to what's reported in TransUnion, not every creditor reports to all three credit bureaus. So, and that is sometimes, that's why there, the credit scores vary from agency to agency, because not all creditors report to all three of them. So are the one that we use is TransUnion. So once we, once you have enrolled as a client, and I do the one on one assessment with you. I pull a do a soft credit check and see exactly what's in there. If there's, you know, how much length of credit, if you had, what is your total accounts opened, what? And it'll give me a credit score for TransUnion. And if there's late payments or charge offs or collections, and also public records like, you know, bankruptcy or judgment or whatever, everything's gonna show up there. And now, you know, based on that, I could tell the client, okay, this is what we need to work on.

Julian Rosado 14:30
What's different between a soft pull and a hard pull.

Frank Ruvalcaba 14:34
What the soft credit check is doesn't affect your score. So when you do a hard credit check, it will drop your score. That's, that is a difference. So it's more of a, okay, so it's, it's, we do use FICO score eight. So that is, when do we do when we do the soft credit check, it doesn't affect your score. And a lot of people like, well, you know, if you do this and you affect my credit score? Yeah, it's not. Now, when a person has, they tell me why I have, I have a 500 credit score, but you pull my credit is going to affect it. I mean, score is already 500 it's not going to make a difference, you know, we pull it once or you know, so that is, that is we have to be, you know, conscious about but, yeah, that's basically what we do. Well, I would

Leaha Crawford 15:18
look at, I was thinking several different things too, when you were talking. Thank you for asking the question about the soft credit pool. Because sometimes, when you've been immersed in this information for so long, you know the terms, right? But someone just coming in might say, you know, they come in and make those well, they ask those questions, and how do you handle because you're dealing with some basic stuff, and it's sometimes it's back to the basics, even for us that know that helps, that can help you maintain. So if I was to come in and I can tell you, when you really sit down with someone, a coach, and you really have to look at the true picture, your true financial picture, right? It's painful sometimes, because you really, I mean, it's painful, and it can be emotional sometimes, because you have to look at, you know, how much money do you actually owe? And what I encourage people while when we do it, because we do something similar, but not as a coach, when we're helping people with budgets, and I'm like, You got to be honest. And it's not just one sitting, because in the middle of the night, you can remember, Oh, I owe that too, okay, yeah, right, you know. And looking at your bank statements to see what payments Am I making, what am I doing electronically. But then you also have some people that pay in person, pay cash at the store, right, you know. So what do I actually owe? And when you really get that picture, then really working with that picture to figure out what you see, what it looks like now, but what do you want it to look like?

Frank Ruvalcaba 16:46
Yeah, and that's, that's the whole point of our, you know, credit, our coaching sessions, of it is to look at your what, what you have on your credit. And also, we have the budgeting aspect of it. As you mentioned, it's like the budget can be done overnight. And we one of the things, and one of the work plans that we have is all about budgeting, and it's all about, okay, so you need to get all your your statements for the month, get your bank account and see exactly what's in there. What do you spend on? Because we have, you know, regular expenses, you know, car insurance, rent or mortgage, cell phone bills, utility bills, and their stuff, other expenses like credit cards and dining out or entertainment. And you'd be surprised when most people don't realize that door Dave, door Dave, or they have all these extra once they sit down and look at their their their financial and they go like, Oh my god, I went to, I went to the coffee place many times. Yeah, I went to this, you know, this fast food restaurant, this many times. Then it's like, oh my god, I knew I need to, I need to cut down on that, because that is money that you can put towards paying down your debt, yeah, or putting money down, putting money aside for, you know, saving, establishing a savings account, or for an emergency savings. So those are the things that you know that we help client realize, like, you know, there is more than just your everyday, you know, expenses and stuff. It's easy to pull out your debit card or credit

Leaha Crawford 18:19
card. It's hard to pay somebody cash, exactly. It's harder to I know for me, I'm speaking for me, that's hard.

Julian Rosado 18:25
All those, all those tips like you, I found out you could tip at the gas station like you want to donate, like $1 donate this. Then if you ask me, like, where's this going to

Leaha Crawford 18:36
Well, no, the thing about Well, I appreciate so as a coach, do you also, when they come in, What's the process like? How long have you seen it take, like, at one average, for someone to take their score? Like, from the 500 to a 656, 60,

Frank Ruvalcaba 18:53
it could take, it's gonna take a few months. Because, you know credit, you know credit is reported, you know, every 30 to 45 days. So if there's a lot of stuff on there, you know, you tackle one thing at a time that could take, you know, three, six a month. Three, six, maybe 12 months, maybe 24, months, depending on how much stuff the client has to work on, and the one of the things that that helps you, if you have say, for example, is your credit scores. It's low because you're over, overspent. That's much easier to, you know, to get your credit score increase, because then you're going to be lower. Yes, you lower your your your credit balances, your score is then eventually going to go up much faster if you consolidate that into a single payment. Now, let's be clear, clear on

Leaha Crawford 19:46
because, because people get phone calls about debt consolidation, and it's not, it's interesting, yeah, so I will let you speak, but hold it. Let me get a number again. So it's Frank rubicaba Four. Oh, 449949011, again, 404-994-9011 and it's operation hope.org, again. Operation hope.org, let's talk about that consolidation,

Frank Ruvalcaba 20:15
right? What I meant about that consolidation was like, if you if you get a loan from a bank, okay? That's different. That's different. Or even, you know, your your own financial institution, you're gonna borrow, say, $20,000 Yes, yeah, then that's fine. But when you're getting companies are calling you to do debt consolidations, oh, we're gonna negotiate with your creditor to lower your debt or negotiate that?

Leaha Crawford 20:43
No, there's a guy, because I remember, I worked through it with a client, and I guess the call was, we're going to close all of your credit card accounts, we're going to pay off your debt. I mean, it wasn't bankruptcy, but it kind of sounded like little, a lightweight, you know,

Frank Ruvalcaba 20:59
kind of borderline, yeah,

Leaha Crawford 21:00
borderline, kinda. And I was sitting there, and I was like, so they're okay, you wanna you? I mean, the rate was cheaper than what they're paying, and it would be done in three years. But I was like, that don't that don't sound right, that don't seem right, and they ended up not doing it. But I was just just interesting about just all the stuff that's out there. Oh, yeah, that as consumers, you need to be educated on, because it's a lot.

Frank Ruvalcaba 21:27
It is, and especially when that those type of consolidation is that you stop paying your credit the original creditor, right?

Leaha Crawford 21:35
So they're paying off so your credit. So, wait, so, so, so what happens with with with

Julian Rosado 21:39
your credit score? Yeah,

Frank Ruvalcaba 21:41
well, when you do, like the traditional debt consolidation, like if you get a loan and you pay off your own creditors, then you're obviously reducing your your monthly outgo, because now you don't have five, six different payments you know that, you know, three, four or $500 you're making into a, possibly a, you know, lesser in single payment lesser, lesser interest rate. So therefore, everything that you're saving can go towards paying down the loan that you got to pay off, everything off. So that's the whole, that's the that's the ideal thing for you to do is just try to get a loan and pay everything off. But the agencies that are out there to try and tell you, Okay, we negotiate with the creditor for us to lower your balance, and also you got to make the payment to us. That is essentially, it's going to hurt your credit more. That's going to help it right away. Because what happens is that, since you're not sending the payment directly to the to the credit the original creditor, you're sending it to a third party, they're keeping that money, and then they're going to, once they have enough, they're going to negotiate. It's like, okay, now we can pay. You. Say you owe $2,000 in one account, they'll negotiate to pay less. So those are the ones that are, you know, that can affect your credit more than can help

Leaha Crawford 22:52
it. Got it. Got it. Okay. This is growth and grace. I am Leah Crawford. This is Julian, and I know we get did, and we are here listening to Frank lucappa, talk to us about, just about credit, just some, some basic information about credit and base. You need that support group and having a coach through this process, basically, can help you through the process. You know, what I find too, is you might need to coach. Dave. You have children that are having credit issues. They're not listening to you, but if they, you know, go see third party. The third party. Third parties always work,

Frank Ruvalcaba 23:25
right? Even though it's the same information. Yeah, you

Leaha Crawford 23:29
I could tell, I could tell my son the same thing. And you son, the son something, you can tell him the same thing. He will come back and tell me what somebody else told him. And I just look, that's amazing, son. That's amazing, you know, and but that's what we're here for, the 700 credit score community. What is that?

Frank Ruvalcaba 23:50
Well, that's the whole goal of us as an organization, is to try and get the person into a 700 credit score okay? And that is through the work plans that we have, the lessons that they got to take, and also applying the coaching that we tell them that needs to be done. You know, one is to, you know, if you have high credit balances, we'll bring the credit balances down. One thing is also making sure that they are making payments on time. Because 35% of your score is on time. Payments, 30% of your score is based on how much money, what are your current balances, so

Julian Rosado 24:22
as your what is the rest of it?

Frank Ruvalcaba 24:25
10% 15% is mixed credit. 10% is new credit. So that is what the credit is composed of. Also. One thing is that if you're new to credit, or you even if you already have established credit. One thing that we always do, as I mentioned, is a is important to have on time payments. I encourage people to set up your credit, your the payment to your creditor, on auto pay, because life happens. You know, the last thing on your mind is, if you have to go out of town, you have a family emergency, whatever the situation is. The last thing you. Reminds, oh, I got to make my credit card payment. So it's important for you to, you know, set up auto pay. And also the when you set up auto pay, make the auto pay five days before the due date, because if the due date falls on a weekend or on a holiday, then even though you have scheduled a payment, it's not going to be made until, you know, after you know, still set up on home to pay exactly. So set it up five days

Julian Rosado 25:24
before. So that's 35% that's 10% and then where's the there's

Frank Ruvalcaba 25:30
15% is a credit mix, credit mix, yeah, which is revolving credit, and also mortgage, mortgage, a mortgage payment is one of them. And personal loans, yeah, student loans,

Leaha Crawford 25:47
student the student loans is huge. Yes, student loans, another big one, because I know mortgages don't miss your mortgage payment if you

Julian Rosado 25:57
want to. They don't. That takes a bigger, cooler, funnier,

Leaha Crawford 25:59
no, they don't care if you cool or fun. No, actually, that's one of that's one of the biggest hits. Oh yeah. Miss a mortgage. Oh yeah. But what I can say is, and I got this from another friend, he missed his mortgage payment. They don't report until you're 30 days late. So you can miss it. You have. They give you that Grace at 30 days before they actually report it. So you they you get a little bit it's a different type of grace with

Frank Ruvalcaba 26:27
mortgages, yeah, the the payment on the mortgage is do always on the first of the month, right? Yeah. But from the first of the 15 as long as you make the payment before the 15th of the month, you're not going to get a a service charge for not making the payment on the before the before the 15. If you do the payment after the 15, you're going to get they're going to be a service charge for that. But it's not late on your mortgage until you reach the 30 days. So that person, literally can make a make their mortgage payment up to the 25th of the month, 26th of the month, and it's still going to get not gonna affect your credit. It's when the payment surpasses a 30 day late, a 30 day mark, then that's when it hits on your credit score, and I mean, your credit reporting, it'll affect your credit.

Leaha Crawford 27:11
So what I found, honestly, is to do the bi weekly for mortgages, to do the bi weekly payments,

Frank Ruvalcaba 27:16
right? Because you're tackling principal payments as well on there, yeah,

Leaha Crawford 27:19
the bi weekly payments for mortgages, and if, especially if you you're in the mortgage and depending on how you get paid, right? But the bi weekly because you're making 26 payments a year instead of 12 payments a year, and you are tackling that principle a little bit

Frank Ruvalcaba 27:39
differently from like, 30 to 22 days to 22 years, or, you know, yes, how much extra you make

Leaha Crawford 27:45
depending on how much extra you make. Yeah, no, it's actually a game changer. You started doing that. And I'm watching it, and it's a good feeling when you watch the mortgage payment come down, you're like, oh, okay, good, okay, it's coming down. Yeah, you can see. You can see it, you know, you can see it. You can see the difference from where you started to where you are now. And it's

Frank Ruvalcaba 28:02
pretty much the same thing with it with a vehicle payment, you have a and I've seen it now terms like going seven year terms,

Julian Rosado 28:08
yeah, seven year terms. Oh, yeah, yeah, 82 months.

Frank Ruvalcaba 28:12
And now, because of the fact that vehicles are becoming so expensive, so now you got to have a longer term. But the same. It's the same concept with a vehicle, if you want to pay it off sooner, make extra payments on it, and you're going to be saving yourself, you know, two or three years of interest. You know, even though you're you're paying because you're tackling the principal pain should be like some sort of law

Julian Rosado 28:33
against, well,

Leaha Crawford 28:34
no, no, it's one of those things where I mean consumers. Okay, so what do you want? What do you buy? What? And I know for me, I like shiny stuff, so I had to work on that, not liking shiny stuff, like I don't want. Nope, it's okay. It can be a little dull.

Frank Ruvalcaba 28:49
But one, one thing that you can tell yourself to avoid, you know, overspending is as like, do I want it or do I need it? So if you sometimes

Leaha Crawford 29:00
the ones win sometimes the once win, sometimes, sometimes the once win, and it's no, no judgment. Sometimes the ones win. They do. They do because I yeah, sometimes the ones win, all right, well, you've been listening to Leah Crawford, Frank and Julian Rosado, hey, Julian, because I think about it, the ones win, Frank. Thank you so much for coming on the show again and sharing your information with us. I will give that number one more time. It's 404-994-9011 again. 404-994-9011 and it's operation hope.org. Frank, you're gonna come back on with us again, right? So we can continue, continue this conversation, especially after the holidays, after we spend all our money, oh yeah. And we got to realize that we got a budget again. It's time. It's time to budget again, because

Frank Ruvalcaba 29:49
we just spent a bunch of money, and the years coming, Christmas is coming. Christmas. Oh yes, everybody's

Leaha Crawford 29:53
but you can plan for that, though that's the new year's resolution. Yeah, you want to know what you really can plan for that? Maybe we'll talk about that next time. How do you plan? Plan for big expenses or just Friday, right? Well, no, how do you plan for the end of the year so that when you're spending this money, you're not,

Julian Rosado 30:08
oh, overextending yourself at the end of the year.

Leaha Crawford 30:11
All right? So this, that brings us to the end of the show. What you watching this weekend? Who you watching this week? Oh, yeah, the Eagles you watching? Oh, he said that was such enthusiasm. Well, that brings us to the end of our show, I am E, A, G, L, E, S, eagles, just say you heard it here first. Have an amazing weekend. Have an amazing weekend. Take care, be loved, be blessed. Bye.

Transcribed by https://otter.ai