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Bogleheads® Conference 2011 - Panel of Experts II


Chapters

0:0
19:56 Core Portfolio
23:43 The Dfa 6040 Global Portfolio
30:24 Municipal Bonds

Whisper Transcript | Transcript Only Page

00:00:00.000 | One thing we started last year, and I'd like to repeat it again this year, is all these
00:00:10.640 | lovely people came here on their own dime, and I'd like to give them a few minutes to
00:00:16.680 | either talk about their latest project or something that they find interesting or just
00:00:22.280 | something they want to talk about.
00:00:23.840 | So, Alan, you're down at the end.
00:00:26.680 | I got my MBA from Kellogg back in 1982, and, you know, I went to school to learn how to
00:00:33.120 | beat the market, and along came Bernard Malkiel's random walk down Wall Street.
00:00:37.080 | You know, Fama French is a little new in investing since then, but behavioral finance is a subject
00:00:44.000 | that really excites me.
00:00:45.000 | I don't know how I graduated thinking that was a logical, rational thing, but I'm using
00:00:51.040 | hindsight bias to see that.
00:00:54.360 | Projects, I'm just starting, writing the book was the hardest thing I ever did.
00:00:59.320 | I'm a math geek, and Bill Balloon, who I guess is not here, giving me a contract with a due
00:01:07.080 | date provided the discipline to do it.
00:01:10.300 | I'm just starting to get the itch for a second book, which would be a little bit broader
00:01:15.640 | than investing and include, you know, all the aspects of financial planning from taxes,
00:01:21.640 | estate planning, budgeting, in kind of some simple terms, and it would be called something
00:01:28.720 | like Roth's Rules of Common Sense, because common sense is not really all that common.
00:01:35.840 | You know, just a couple of philosophical musings.
00:01:42.520 | I considered myself unbelievably lucky I didn't have to, I paid $1,550 a year for my medical
00:01:49.420 | school tuition, and my graduate school I got for free, and then I started working in 1980,
00:01:57.000 | and then I sought away some obscene amount of money with the pension rules, and then
00:02:02.160 | got these, you know, security returns in the '80s and '90s that were just beyond belief.
00:02:08.300 | And I sort of felt sorry for, you know, until very recently, for the kids who, you know,
00:02:13.880 | were dealing, you know, with, you know, coming out with enormous amounts of debt from school,
00:02:19.000 | you know, with overvalued securities to buy into their, you know, their retirement plans.
00:02:23.180 | And I sort of, I almost felt guilty about it, but now I don't feel so guilty.
00:02:28.120 | I think that, you know, someone who's 25 or 35 years old and has sought family money again
00:02:33.280 | is going to get, you know, more than agreeable returns, perhaps the kinds of returns that
00:02:37.880 | I got.
00:02:38.880 | I mean, in 1981 you could get 13% CDs, you know, which have a real rate of return of
00:02:45.120 | 9% or 8%.
00:02:48.080 | In terms of, you know, where I'm going and what I'm doing, I'm always writing.
00:02:53.320 | I'm always trying to be on the state writing and learning curve, and I've got to explain
00:02:57.880 | to a lot of you I've got a project that I'm working on on communications technology and
00:03:05.840 | politics and political power.
00:03:06.840 | It's about 90, perhaps about 93% done, and hopefully it'll be out next year.
00:03:12.600 | As far as financial publishing, I don't have any great plans.
00:03:15.680 | I'm thinking of doing some e-publishing, just, you know, putting out Kindle books on my own.
00:03:21.480 | Maybe not even books, I mean, you know, somebody explained to me several weeks ago a book is
00:03:25.880 | a social contract.
00:03:26.880 | It's becoming a social construct, and, you know, there's no reason why you can't sell
00:03:32.440 | 10,000 words for, you know, for $2 as easily as you could sell 100,000 words for $25.
00:03:42.400 | So I may wind up doing little trips and drabs of, you know, encapsulated subjects and doing
00:03:47.400 | it that way.
00:03:48.400 | You find the ones you want, and you leave the ones you don't want.
00:03:56.980 | Is Mike Piper still here?
00:03:57.980 | Mike, are you still in the audience?
00:03:58.980 | Where are you?
00:03:59.980 | He had to leave.
00:04:00.980 | Oh, he had to leave.
00:04:01.980 | Too bad.
00:04:02.980 | It would be a lot better if I could say this without him being here and embarrassing him.
00:04:06.800 | Mike is 27 years old, and he is the future of our organization.
00:04:12.000 | Him and others like him.
00:04:13.360 | There's some other posters on our Vogelheads board who are in their 20s, their mid-20s,
00:04:19.120 | and they are dynamo out there, gung-ho Vogelheads, who are helping to spread the word to their
00:04:26.200 | group.
00:04:27.200 | And Mike is unusual.
00:04:28.200 | The first time I read something that Mike wrote, I thought he was in his mid-40s or
00:04:34.120 | 50s, even in his 60s, who had been retired, and he turns out to have been about 25 at
00:04:38.920 | the time.
00:04:39.920 | And doing what Bill is talking about, he's publishing small books, and he's financing
00:04:47.600 | his -- this is his living, selling his books.
00:04:51.300 | But the way he's doing it, he's using the internet and the median of the young folks,
00:04:58.680 | if you will, to get the message out about the Vogelheads, not unlike what we're trying
00:05:01.960 | to do on the board, but just taking it to three or four or five or 25 different levels.
00:05:06.840 | I was at the pleasure of being at a financial bloggers' conference, the very first one that
00:05:11.160 | they had a couple of weeks ago, and it was all these 20-somethings out here, and they're
00:05:14.680 | all networking and interconnected and doing all this thing, and Mike is in the middle
00:05:19.040 | of all that, spreading the Vogelhead message.
00:05:21.560 | And so he's the future, and the young people are the future of the Vogelheads, and if he
00:05:24.680 | was here, I would have recognized him.
00:05:25.680 | And he's got the right idea with small books, and I think Bill has realized that, and I've
00:05:31.520 | realized that.
00:05:32.520 | And the projects that I might be working on in the future are just going to be -- I was
00:05:36.400 | going to have a 300-page book.
00:05:37.400 | I'd just break it down into three or four 60- to 80-page e-books and sell them for what
00:05:44.920 | I'm going to sell them for.
00:05:45.920 | But in order to try to spread the Vogelhead message, we're doing -- Wiki is fantastic.
00:05:51.360 | I don't know if you had any chance to look at what we're doing out there with Wiki.
00:05:57.680 | It's wonderful what they're doing, and now we're on Facebook, and now we've got people
00:06:02.960 | like Mike Piper out there spreading the word to the young community.
00:06:06.400 | I mean, this is the future of the Vogelheads.
00:06:08.320 | This is spreading the message, and e-technology, if you will, is one way of doing it, and I
00:06:14.560 | plan to do what I can.
00:06:16.360 | So that's what I'm doing, and I just wanted to give credit to the young folks that are
00:06:22.040 | here today that are, say, under the age of 40, because you are the future of the Vogelheads.
00:06:27.440 | I'll second the endorsement of the Wiki site.
00:06:29.560 | Just before coming here, I sent a message to some of my colleagues at Morningstar.com
00:06:34.120 | saying that what you all have done there, I think, has evolved into the most useful,
00:06:40.480 | deep resource for personal finance on the web.
00:06:44.680 | So I just think it's an extraordinary achievement.
00:06:46.680 | I'm sure it'll continue to grow and get even deeper and broader, but what you've done so
00:06:51.400 | far is absolutely tremendous.
00:06:52.400 | I'm honored to be here, honored to be up on this panel.
00:06:57.360 | As Mel's intro of me alluded to, I spent most of my career at Morningstar focusing on mutual
00:07:03.360 | funds and helping people select mutual funds, and the longer I did that, the longer I became
00:07:08.560 | convinced that we were just sort of toiling in the margins of people's financial lives.
00:07:13.280 | So whether they selected the right large growth fund or whatever they did really paled in
00:07:19.920 | comparison to did they save enough, did they make semi-sane asset allocation decisions,
00:07:26.040 | did they not completely undermine their financial plan by selling everything at the wrong moment.
00:07:32.240 | So I'm really happy in my current role to be able to address a lot of these things,
00:07:37.800 | to tap resources like a lot of you and external resources and write about a whole lot of topics.
00:07:44.960 | I write about four or five columns a week and I'm really busy, but tremendously enjoy
00:07:51.160 | what I'm doing.
00:07:52.160 | I have become more and more interested in the logistics of retirement planning, so have
00:07:57.040 | been writing an awful lot about that.
00:08:00.840 | Another topic that's of tremendous interest to me is the decline in cognitive functioning
00:08:05.960 | as people age and how they must prepare their financial plans for that possibility.
00:08:11.880 | I know that many of us have experienced that in our own families.
00:08:16.280 | I'm undergoing that right now with my dad, so it's become front and center with me, and
00:08:20.880 | thankfully he has me to help him, but a lot of other elderly folks do not.
00:08:25.960 | So that has become a real cause of mine, helping people, even dedicated do-it-yourselfers who
00:08:31.160 | have been very effective over their lives, helping them prepare for that day that they
00:08:35.720 | may not be able to do so.
00:08:37.160 | So I've been focusing a lot on that.
00:08:39.760 | It's a sensitive topic.
00:08:41.080 | I know that some users have gotten a little offended by things that I've written, but
00:08:46.680 | I mean well, and I think it's a really important and critically under-discussed topic.
00:08:52.200 | Could I just ask that we recognize once again all of the people who are in the infrastructure
00:09:01.920 | of the local heads, the wiki, and Alex, and the stand-up, and whoever else is here who
00:09:07.280 | are involved in the actual what goes on in the back.
00:09:23.220 | I mean, I'll second that as well.
00:09:41.900 | Can you hear me?
00:09:42.900 | No.
00:09:43.900 | Thanks.
00:09:44.900 | Yeah, I'll second that as well.
00:09:45.900 | I mean, a well-running discussion board or a site is like a tropical garden that needs
00:09:50.300 | weeding about once every ten minutes, and if you don't weed it, it very quickly becomes
00:09:57.580 | uninhabitable, and the people on the discussion board who do that really deserve our gratitude.
00:10:06.660 | Well, Rick and Christine both talked about the wiki, and I think that's probably one
00:10:17.420 | of the most under-utilized and unrecognized resources available, and it is a vast, vast
00:10:25.500 | knowledge base.
00:10:28.020 | So I've been using the bully pulpit of Forbes to do a series on the wiki to try to get more
00:10:36.380 | recognition for it, and that's one of the nice things.
00:10:40.020 | I really don't like having a deadline, and I told Christine earlier that she's my idol,
00:10:47.580 | and I don't know how she does it, adding up column after column after column.
00:10:51.660 | Every time I log on to Morningstar, there's Christine with a new column, and Laura and
00:10:57.460 | I share a column that is a biweekly column, which means Laura writes one week, and then
00:11:03.860 | two weeks later, I have to write, which means I'm writing one column a month, and here's
00:11:08.220 | Christine batting out what seems like one a day, so I really don't know how you do it.
00:11:14.700 | It's a lot of work.
00:11:15.700 | Writing a book is a lot of work, writing columns are a lot of work, especially when you're
00:11:20.300 | supposed to be retired and playing golf and things like that, but I felt that we were
00:11:28.260 | given a column at Forbes, and it gives us a choice to spread the word to a lot of people
00:11:37.340 | who aren't really getting the movement message, so even though it's a chore, I feel that it's
00:11:44.820 | worth the effort, and that's basically the thing that I love to hate, having a deadline,
00:11:55.420 | because I thought I packed that in years ago.
00:11:58.340 | Yes, Alex.
00:11:59.340 | I just want to say something about the wiki, and it's what's, looking at how people are
00:12:05.380 | using the site, what's an interesting phenomenon is the regular posters, readers, tend not
00:12:14.380 | to use the wiki that much, however, in the way the internet works, we're getting more
00:12:19.980 | and more traffic from people who have never been to the site, and they do a Google search
00:12:23.700 | on something, and basically the more complex the query, or something like non-deductible
00:12:30.420 | IRA, is leading people to the wiki, so like anything on the internet, if the quality is
00:12:36.900 | there, the content is there, it eventually gets found, so there's getting more and more
00:12:40.820 | traffic on it, so it may not be seen as much on the forum part of it, and we're going to
00:12:50.740 | be doing something to figure out a way to better integrate the two, or at least make
00:12:57.300 | people more aware of it from there, the regular users, but people aren't, there is a lot of
00:13:02.780 | activity from people reading the stuff, it's just not as visible.
00:13:09.020 | Well that's great, now we'll get back to the Q&A, a question from Alex, what about low-cost
00:13:17.540 | variable annuities, for someone like Vanguard or TIA, prep to fill out any income gaps in
00:13:24.260 | retirement?
00:13:25.260 | So, you're talking about a variable annuity instead of a, instead of a speed, right?
00:13:35.300 | I'll kick that off, I'm not sure what the role of a variable annuity in retirement is,
00:13:42.740 | that's a hard one, I think for certain investors in the saving phase, a low-cost variable annuity
00:13:51.820 | can be useful, and here are my criteria for using one, first of all, the person should
00:13:57.340 | be young, because the compounding advantages of an annuity are greater the longer you are,
00:14:03.700 | so the perfect candidate for an annuity is actually one who is 15 years old.
00:14:08.420 | And we've stopped right there for a second, we want to make sure, he's talking about non-qualified
00:14:13.860 | annuities, not qualified annuities.
00:14:16.500 | Correct, correct, and so the second criteria is you don't have any space for sheltered
00:14:26.300 | assets anywhere else, so you don't have enough in your IRAs and in your 401s, okay, if you've
00:14:32.380 | got plenty of room in there you certainly don't need a variable annuity, the third thing
00:14:36.580 | is it has to be in an asset class which is inherently very tax inefficient, okay, and
00:14:40.900 | that's junk, and that's REITs, alright, so if you can meet those three criteria I think
00:14:49.140 | that owning a variable annuity is a reasonable thing to do, but very few people meet that
00:14:56.220 | criteria.
00:14:57.220 | A low-cost variable annuity.
00:14:58.220 | Yeah, a low-cost one, of course low-cost is part of it, yeah.
00:15:01.580 | I would say almost always no, you're converting a tax-efficient long-term capital investment.
00:15:09.220 | No, but I'm saying in retirement, not -- Oh, in a retirement, so you want tax deferral
00:15:13.900 | within a tax -- No, it's people who just need an income stream that is greater than 3% or
00:15:20.900 | 4% and don't really care about leaving, you know, that's a -- Well, actually it could
00:15:28.220 | work to leave some money towards an heirs, if there's a low-cost variable annuity, you
00:15:35.220 | could guarantee yourself that 5% stream in retirement and still leave something for your
00:15:42.260 | heirs, but you're going to have costs that make, generally speaking, the average mutual
00:15:49.940 | fund look cheap.
00:15:50.940 | Well, that's why I asked specifically about TIAA-CRAFT and Vanguard, I mean, I know there's
00:15:58.180 | a lot of professors, my parents are among them, who are living off of these sorts of
00:16:03.580 | things with, you know, withdrawal rates that they couldn't have if they were to follow,
00:16:11.180 | you know, 3% or 3.5% or something, you know.
00:16:15.660 | Well, what are they investing in now?
00:16:17.380 | Well, like TIAA-CRAFT -- No, but I mean, what specifically?
00:16:20.700 | TIAA-TRADITIONAL and, you know, like, say, I don't know, there's maybe 70% TIAA-TRADITIONAL,
00:16:27.860 | 30% CRAFT-STOCK, you know.
00:16:30.780 | Yeah, but TIAA-CRAFT is kind of a different animal, I mean, they've structured their product
00:16:36.860 | inside an annuity, but it's not what I think of when I think of a variable annuity, and
00:16:40.820 | I use Vanguard variable annuities all the time, but as a 1035 to get into something
00:16:46.060 | ugly, into something, you know, much, much, much less ugly, but still not great.
00:16:51.860 | Yeah, the TIAA-TRADITIONAL, by the way, until about eight months ago, was an amazing deal,
00:16:57.860 | because if you qualify for it, and it means that you had to have received some money at
00:17:03.620 | some point in your life from an educational or a public institution, which, you know,
00:17:08.000 | probably 90% of people would qualify for, and basically you had what amounted to a money
00:17:12.820 | market that yielded, and still does yield, 3%, and all you had to do was put it inside
00:17:18.380 | of an IRA, and money was perfectly liquid, in and out.
00:17:22.980 | I contacted Vanguard, and my question to the Vanguard people last night was on the variable
00:17:29.660 | annuity side, because, and we're not going to talk politics or anything here, but if
00:17:37.100 | taxes on long-term capital gains go up to an ordinary income tax rate, and taxes on
00:17:42.740 | dividends from stock go up to an ordinary income tax rate, then all of a sudden, the
00:17:50.060 | Vanguard variable annuity becomes very attractive on a, for taxable accounts, and we've been
00:17:58.140 | talking with Vanguard for the last year and a half, and it looked like this could occur,
00:18:04.820 | could occur, not saying it will, but it could, about how we can structure using, how we can
00:18:11.340 | manage accounts at our company, using Vanguard variable annuities, because right now, there's
00:18:16.780 | no system at Vanguard to allow money managers to actually manage portfolios of variable
00:18:22.860 | annuities in a very efficient way, rather than calling up individually and talking with
00:18:27.580 | somebody on the phone and trying to manage 500 client portfolios by committing 500 individual
00:18:32.260 | phone calls.
00:18:33.260 | I mean, it doesn't work.
00:18:34.260 | We are working on the system to allow investment advisors like us to be able to efficiently
00:18:41.700 | manage variable annuities, just like we can manage the Vanguard funds, and I think it's
00:18:47.900 | an important step, I think, if the tax laws change, that would make very low-cost variable
00:18:55.660 | annuity products particularly attractive in a lot of asset classes, where right now, they're
00:19:02.420 | not.
00:19:03.420 | And one other thing that hasn't been tested on, but in a lot of states, variable annuities
00:19:09.540 | are sheltered from creditors, so there are some people, like, that are subject to lawsuits
00:19:17.220 | that might consider it doctors, and others who are subject to lawsuits.
00:19:28.420 | This is a question about small-cap and value and tilting.
00:19:33.260 | Does anyone like to share their thoughts on either a yes or no on tilting?
00:19:39.180 | Yes, Al?
00:19:40.180 | Sure.
00:19:41.180 | Okay, there you go.
00:19:42.180 | Alan, do you use that in your portfolio?
00:19:43.180 | Oh, I was going to actually say something.
00:19:44.180 | I thought you were through.
00:19:45.180 | Oh, no, and I'm not saying do it.
00:19:46.180 | All I'm saying is that the core portfolio is made up.
00:19:47.180 | I mean, I'm not saying, "Oh, you know what?
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00:22:40.140 | I'm not saying that.
00:22:41.140 | You know what?
00:22:42.140 | I'm not saying that.
00:22:43.140 | You know what?
00:22:44.140 | I'm not saying that.
00:22:45.140 | You know what?
00:22:46.140 | I'm not saying that.
00:22:47.140 | You know what?
00:22:48.140 | I'm not saying that.
00:22:49.140 | You know what?
00:22:50.140 | I'm not saying that.
00:22:51.140 | You know what?
00:22:52.140 | I'm not saying that.
00:22:53.140 | You know what?
00:22:54.140 | I'm not saying that.
00:22:55.140 | You know what?
00:22:56.140 | I'm not saying that.
00:22:57.140 | You know what?
00:22:58.140 | I'm not saying that.
00:22:59.140 | You know what?
00:23:00.140 | I'm not saying that.
00:23:01.140 | You know what?
00:23:02.140 | I'm not saying that.
00:23:03.140 | You know what?
00:23:04.140 | I'm not saying that.
00:23:05.140 | You know what?
00:23:06.140 | I'm not saying that.
00:23:07.140 | You know what?
00:23:08.140 | I'm not saying that.
00:23:09.140 | You know what?
00:23:10.140 | I'm not saying that.
00:23:11.140 | You know what?
00:23:12.140 | I'm not saying that.
00:23:13.140 | You know what?
00:23:14.140 | I'm not saying that.
00:23:15.140 | You know what?
00:23:16.140 | I'm not saying that.
00:23:17.140 | You know what?
00:23:18.140 | I'm not saying that.
00:23:19.140 | You know what?
00:23:20.140 | I'm not saying that.
00:23:21.140 | You know what?
00:23:22.140 | I'm not saying that.
00:23:23.140 | You know what?
00:23:24.140 | I'm not saying that.
00:23:25.140 | You know what?
00:23:26.140 | I'm not saying that.
00:23:27.140 | You know what?
00:23:28.140 | I'm not saying that.
00:23:29.140 | You know what?
00:23:30.140 | I'm not saying that.
00:23:31.140 | You know what?
00:23:32.140 | I'm not saying that.
00:23:33.140 | You know what?
00:23:34.140 | I'm not saying that.
00:23:35.140 | You know what?
00:23:36.140 | I'm not saying that.
00:23:37.140 | You know what?
00:23:38.140 | I'm not saying that.
00:23:39.140 | You know what?
00:23:40.140 | I'm not saying that.
00:23:41.140 | You know what?
00:23:42.140 | I'm not saying that.
00:23:43.140 | You know what?
00:23:44.140 | I'm not saying that.
00:23:45.140 | You know what?
00:23:46.140 | I'm not saying that.
00:23:47.140 | You know what?
00:23:48.140 | I'm not saying that.
00:23:49.140 | You know what?
00:23:50.140 | I'm not saying that.
00:23:51.140 | You know what?
00:23:52.140 | I'm not saying that.
00:23:53.140 | You know what?
00:23:54.140 | I'm not saying that.
00:23:55.140 | You know what?
00:23:56.140 | I'm not saying that.
00:23:57.140 | You know what?
00:23:58.140 | I'm not saying that.
00:23:59.140 | You know what?
00:24:00.140 | I'm not saying that.
00:24:01.140 | You know what?
00:24:02.140 | I'm not saying that.
00:24:03.140 | You know what?
00:24:04.140 | I'm not saying that.
00:24:05.140 | You know what?
00:24:06.140 | I'm not saying that.
00:24:07.140 | You know what?
00:24:08.140 | I'm not saying that.
00:24:09.140 | You know what?
00:24:10.140 | I'm not saying that.
00:24:11.140 | You know what?
00:24:12.140 | I'm not saying that.
00:24:13.140 | You know what?
00:24:14.140 | I'm not saying that.
00:24:15.140 | You know what?
00:24:16.140 | I'm not saying that.
00:24:17.140 | You know what?
00:24:18.140 | I'm not saying that.
00:24:19.140 | You know what?
00:24:20.140 | I'm not saying that.
00:24:21.140 | You know what?
00:24:22.140 | I'm not saying that.
00:24:23.140 | You know what?
00:24:24.140 | I'm not saying that.
00:24:25.140 | You know what?
00:24:26.140 | I'm not saying that.
00:24:27.140 | You know what?
00:24:28.140 | I'm not saying that.
00:24:29.140 | You know what?
00:24:30.140 | I'm not saying that.
00:24:31.140 | You know what?
00:24:32.140 | I'm not saying that.
00:24:33.140 | You know what?
00:24:34.140 | I'm not saying that.
00:24:35.140 | You know what?
00:24:36.140 | I'm not saying that.
00:24:37.140 | You know what?
00:24:38.140 | I'm not saying that.
00:24:39.140 | You know what?
00:24:40.140 | I'm not saying that.
00:24:41.140 | You know what?
00:24:42.140 | I'm not saying that.
00:24:43.140 | You know what?
00:24:44.140 | I'm not saying that.
00:24:45.140 | You know what?
00:24:46.140 | I'm not saying that.
00:24:47.140 | You know what?
00:24:48.140 | I'm not saying that.
00:24:49.140 | You know what?
00:24:50.140 | I'm not saying that.
00:24:51.140 | You know what?
00:24:52.140 | I'm not saying that.
00:24:53.140 | You know what?
00:24:54.140 | I'm not saying that.
00:24:55.140 | You know what?
00:24:56.140 | I'm not saying that.
00:24:57.140 | You know what?
00:24:58.140 | I'm not saying that.
00:24:59.140 | You know what?
00:25:00.140 | I'm not saying that.
00:25:01.140 | You know what?
00:25:02.140 | I'm not saying that.
00:25:03.140 | You know what?
00:25:04.140 | I'm not saying that.
00:25:05.140 | You know what?
00:25:06.140 | I'm not saying that.
00:25:07.140 | You know what?
00:25:08.140 | I'm not saying that.
00:25:09.140 | You know what?
00:25:10.140 | I'm not saying that.
00:25:11.140 | You know what?
00:25:12.140 | I'm not saying that.
00:25:13.140 | You know what?
00:25:14.140 | I'm not saying that.
00:25:15.140 | You know what?
00:25:16.140 | I'm not saying that.
00:25:17.140 | You know what?
00:25:18.140 | I'm not saying that.
00:25:19.140 | You know what?
00:25:20.140 | I'm not saying that.
00:25:21.140 | You know what?
00:25:22.140 | I'm not saying that.
00:25:23.140 | You know what?
00:25:24.140 | I'm not saying that.
00:25:25.140 | You know what?
00:25:26.140 | I'm not saying that.
00:25:27.140 | You know what?
00:25:28.140 | I'm not saying that.
00:25:29.140 | You know what?
00:25:30.140 | I'm not saying that.
00:25:31.140 | You know what?
00:25:32.140 | I'm not saying that.
00:25:33.140 | You know what?
00:25:34.140 | I'm not saying that.
00:25:35.140 | You know what?
00:25:36.140 | I'm not saying that.
00:25:37.140 | You know what?
00:25:38.140 | I'm not saying that.
00:25:39.140 | You know what?
00:25:40.140 | I'm not saying that.
00:25:41.140 | You know what?
00:25:42.140 | I'm not saying that.
00:25:43.140 | You know what?
00:25:44.140 | I'm not saying that.
00:25:45.140 | You know what?
00:25:46.140 | I'm not saying that.
00:25:47.140 | You know what?
00:25:48.140 | I'm not saying that.
00:25:49.140 | You know what?
00:25:50.140 | I'm not saying that.
00:25:51.140 | You know what?
00:25:52.140 | I'm not saying that.
00:25:53.140 | You know what?
00:25:54.140 | I'm not saying that.
00:25:55.140 | You know what?
00:25:56.140 | I'm not saying that.
00:25:57.140 | You know what?
00:25:58.140 | I'm not saying that.
00:25:59.140 | You know what?
00:26:00.140 | I'm not saying that.
00:26:01.140 | You know what?
00:26:02.140 | I'm not saying that.
00:26:03.140 | You know what?
00:26:04.140 | I'm not saying that.
00:26:05.140 | You know what?
00:26:06.140 | I'm not saying that.
00:26:07.140 | You know what?
00:26:08.140 | I'm not saying that.
00:26:09.140 | You know what?
00:26:10.140 | I'm not saying that.
00:26:11.140 | You know what?
00:26:12.140 | I'm not saying that.
00:26:13.140 | You know what?
00:26:14.140 | I'm not saying that.
00:26:15.140 | You know what?
00:26:16.140 | I'm not saying that.
00:26:17.140 | You know what?
00:26:18.140 | I'm not saying that.
00:26:19.140 | You know what?
00:26:20.140 | I'm not saying that.
00:26:21.140 | You know what?
00:26:22.140 | I'm not saying that.
00:26:23.140 | You know what?
00:26:24.140 | I'm not saying that.
00:26:25.140 | You know what?
00:26:26.140 | I'm not saying that.
00:26:27.140 | You know what?
00:26:28.140 | I'm not saying that.
00:26:29.140 | You know what?
00:26:30.140 | I'm not saying that.
00:26:31.140 | You know what?
00:26:32.140 | I'm not saying that.
00:26:33.140 | You know what?
00:26:34.140 | I'm not saying that.
00:26:35.140 | You know what?
00:26:36.140 | I'm not saying that.
00:26:37.140 | You know what?
00:26:38.140 | I'm not saying that.
00:26:39.140 | You know what?
00:26:40.140 | I'm not saying that.
00:26:41.140 | You know what?
00:26:42.140 | I'm not saying that.
00:26:43.140 | You know what?
00:26:44.140 | I'm not saying that.
00:26:45.140 | You know what?
00:26:46.140 | I'm not saying that.
00:26:47.140 | You know what?
00:26:48.140 | I'm not saying that.
00:26:49.140 | You know what?
00:26:50.140 | I'm not saying that.
00:26:51.140 | You know what?
00:26:52.140 | I'm not saying that.
00:26:53.140 | You know what?
00:26:54.140 | I'm not saying that.
00:26:55.140 | You know what?
00:26:56.140 | I'm not saying that.
00:26:57.140 | You know what?
00:26:58.140 | I'm not saying that.
00:26:59.140 | You know what?
00:27:00.140 | I'm not saying that.
00:27:01.140 | You know what?
00:27:02.140 | I'm not saying that.
00:27:03.140 | You know what?
00:27:04.140 | I'm not saying that.
00:27:05.140 | You know what?
00:27:06.140 | I'm not saying that.
00:27:07.140 | You know what?
00:27:08.140 | I'm not saying that.
00:27:09.140 | You know what?
00:27:10.140 | I'm not saying that.
00:27:11.140 | You know what?
00:27:12.140 | I'm not saying that.
00:27:13.140 | You know what?
00:27:14.140 | I'm not saying that.
00:27:15.140 | You know what?
00:27:16.140 | I'm not saying that.
00:27:17.140 | You know what?
00:27:18.140 | I'm not saying that.
00:27:19.140 | You know what?
00:27:20.140 | I'm not saying that.
00:27:21.140 | You know what?
00:27:22.140 | I'm not saying that.
00:27:23.140 | You know what?
00:27:24.140 | I'm not saying that.
00:27:25.140 | You know what?
00:27:26.140 | I'm not saying that.
00:27:27.140 | You know what?
00:27:28.140 | I'm not saying that.
00:27:29.140 | You know what?
00:27:30.140 | I'm not saying that.
00:27:31.140 | You know what?
00:27:32.140 | I'm not saying that.
00:27:33.140 | You know what?
00:27:34.140 | I'm not saying that.
00:27:35.140 | You know what?
00:27:36.140 | I'm not saying that.
00:27:37.140 | You know what?
00:27:38.140 | I'm not saying that.
00:27:39.140 | You know what?
00:27:40.140 | I'm not saying that.
00:27:41.140 | You know what?
00:27:42.140 | I'm not saying that.
00:27:43.140 | You know what?
00:27:44.140 | I'm not saying that.
00:27:45.140 | You know what?
00:27:46.140 | I'm not saying that.
00:27:47.140 | You know what?
00:27:48.140 | I'm not saying that.
00:27:49.140 | You know what?
00:27:50.140 | I'm not saying that.
00:27:51.140 | You know what?
00:27:52.140 | I'm not saying that.
00:27:53.140 | You know what?
00:27:54.140 | I'm not saying that.
00:27:55.140 | You know what?
00:27:56.140 | I'm not saying that.
00:27:57.140 | You know what?
00:27:58.140 | I'm not saying that.
00:27:59.140 | You know what?
00:28:00.140 | I'm not saying that.
00:28:01.140 | You know what?
00:28:02.140 | I'm not saying that.
00:28:03.140 | You know what?
00:28:04.140 | I'm not saying that.
00:28:05.140 | You know what?
00:28:06.140 | I'm not saying that.
00:28:07.140 | You know what?
00:28:08.140 | I'm not saying that.
00:28:09.140 | You know what?
00:28:10.140 | I'm not saying that.
00:28:11.140 | You know what?
00:28:12.140 | I'm not saying that.
00:28:13.140 | You know what?
00:28:14.140 | I'm not saying that.
00:28:15.140 | You know what?
00:28:16.140 | I'm not saying that.
00:28:17.140 | You know what?
00:28:18.140 | I'm not saying that.
00:28:19.140 | You know what?
00:28:20.140 | I'm not saying that.
00:28:21.140 | You know what?
00:28:22.140 | I'm not saying that.
00:28:23.140 | You know what?
00:28:24.140 | I'm not saying that.
00:28:25.140 | You know what?
00:28:26.140 | I'm not saying that.
00:28:27.140 | You know what?
00:28:28.140 | I'm not saying that.
00:28:29.140 | You know what?
00:28:30.140 | I'm not saying that.
00:28:31.140 | You know what?
00:28:32.140 | I'm not saying that.
00:28:33.140 | You know what?
00:28:34.140 | I'm not saying that.
00:28:35.140 | You know what?
00:28:36.140 | I'm not saying that.
00:28:37.140 | You know what?
00:28:38.140 | I'm not saying that.
00:28:39.140 | You know what?
00:28:40.140 | I'm not saying that.
00:28:41.140 | You know what?
00:28:42.140 | I'm not saying that.
00:28:43.140 | You know what?
00:28:44.140 | I'm not saying that.
00:28:45.140 | You know what?
00:28:46.140 | I'm not saying that.
00:28:47.140 | You know what?
00:28:48.140 | I'm not saying that.
00:28:49.140 | You know what?
00:28:50.140 | I'm not saying that.
00:28:51.140 | You know what?
00:28:52.140 | I'm not saying that.
00:28:53.140 | You know what?
00:28:54.140 | I'm not saying that.
00:28:55.140 | You know what?
00:28:56.140 | I'm not saying that.
00:28:57.140 | You know what?
00:28:58.140 | I'm not saying that.
00:28:59.140 | You know what?
00:29:00.140 | I'm not saying that.
00:29:01.140 | You know what?
00:29:02.140 | I'm not saying that.
00:29:03.140 | You know what?
00:29:04.140 | I'm not saying that.
00:29:05.140 | You know what?
00:29:06.140 | I'm not saying that.
00:29:07.140 | You know what?
00:29:08.140 | I'm not saying that.
00:29:09.140 | You know what?
00:29:10.140 | I'm not saying that.
00:29:11.140 | You know what?
00:29:12.140 | I'm not saying that.
00:29:13.140 | You know what?
00:29:14.140 | I'm not saying that.
00:29:15.140 | You know what?
00:29:16.140 | I'm not saying that.
00:29:17.140 | You know what?
00:29:18.140 | I'm not saying that.
00:29:19.140 | You know what?
00:29:20.140 | I'm not saying that.
00:29:21.140 | You know what?
00:29:22.140 | I'm not saying that.
00:29:23.140 | You know what?
00:29:24.140 | I'm not saying that.
00:29:25.140 | You know what?
00:29:26.140 | I'm not saying that.
00:29:27.140 | You know what?
00:29:28.140 | I'm not saying that.
00:29:29.140 | You know what?
00:29:30.140 | I'm not saying that.
00:29:31.140 | You know what?
00:29:32.140 | I'm not saying that.
00:29:33.140 | You know what?
00:29:34.140 | I'm not saying that.
00:29:35.140 | You know what?
00:29:36.140 | I'm not saying that.
00:29:37.140 | You know what?
00:29:38.140 | I'm not saying that.
00:29:39.140 | You know what?
00:29:40.140 | I'm not saying that.
00:29:41.140 | You know what?
00:29:42.140 | I'm not saying that.
00:29:43.140 | You know what?
00:29:44.140 | I'm not saying that.
00:29:45.140 | You know what?
00:29:46.140 | I'm not saying that.
00:29:47.140 | You know what?
00:29:48.140 | I'm not saying that.
00:29:49.140 | You know what?
00:29:50.140 | I'm not saying that.
00:29:51.140 | You know what?
00:29:52.140 | I'm not saying that.
00:29:53.140 | You know what?
00:29:54.140 | I'm not saying that.
00:29:55.140 | You know what?
00:29:56.140 | I'm not saying that.
00:29:57.140 | You know what?
00:29:58.140 | I'm not saying that.
00:29:59.140 | You know what?
00:30:00.140 | I'm not saying that.
00:30:01.140 | You know what?
00:30:02.140 | I'm not saying that.
00:30:03.140 | You know what?
00:30:04.140 | I'm not saying that.
00:30:05.140 | You know what?
00:30:06.140 | I'm not saying that.
00:30:07.140 | You know what?
00:30:08.140 | I'm not saying that.
00:30:09.140 | You know what?
00:30:10.140 | I'm not saying that.
00:30:11.140 | You know what?
00:30:12.140 | I'm not saying that.
00:30:13.140 | You know what?
00:30:14.140 | I'm not saying that.
00:30:15.140 | You know what?
00:30:16.140 | I'm not saying that.
00:30:17.140 | You know what?
00:30:18.140 | I'm not saying that.
00:30:19.140 | You know what?
00:30:20.140 | I'm not saying that.
00:30:21.140 | You know what?
00:30:22.140 | I'm not saying that.
00:30:23.140 | You know what?
00:30:24.140 | I'm not saying that.
00:30:25.140 | You know what?
00:30:26.140 | I'm not saying that.
00:30:27.140 | You know what?
00:30:28.140 | I'm not saying that.
00:30:29.140 | You know what?
00:30:30.140 | I'm not saying that.
00:30:31.140 | You know what?
00:30:32.140 | I'm not saying that.
00:30:33.140 | You know what?
00:30:34.140 | I'm not saying that.
00:30:35.140 | You know what?
00:30:36.140 | I'm not saying that.
00:30:37.140 | You know what?
00:30:38.140 | I'm not saying that.
00:30:39.140 | You know what?
00:30:40.140 | I'm not saying that.
00:30:41.140 | You know what?
00:30:42.140 | I'm not saying that.
00:30:43.140 | You know what?
00:30:44.140 | I'm not saying that.
00:30:45.140 | You know what?
00:30:46.140 | I'm not saying that.
00:30:47.140 | You know what?
00:30:48.140 | I'm not saying that.
00:30:49.140 | You know what?
00:30:50.140 | I'm not saying that.
00:30:51.140 | You know what?
00:30:52.140 | I'm not saying that.
00:30:53.140 | You know what?
00:30:54.140 | I'm not saying that.
00:30:55.140 | You know what?
00:30:56.140 | I'm not saying that.
00:30:57.140 | You know what?
00:30:58.140 | I'm not saying that.
00:30:59.140 | You know what?
00:31:00.140 | I'm not saying that.
00:31:01.140 | You know what?
00:31:02.140 | I'm not saying that.
00:31:03.140 | You know what?
00:31:04.140 | I'm not saying that.
00:31:05.140 | You know what?
00:31:06.140 | I'm not saying that.
00:31:07.140 | You know what?
00:31:08.140 | I'm not saying that.
00:31:09.140 | You know what?
00:31:10.140 | I'm not saying that.
00:31:11.140 | You know what?
00:31:12.140 | I'm not saying that.
00:31:13.140 | You know what?
00:31:14.140 | I'm not saying that.
00:31:15.140 | You know what?
00:31:16.140 | I'm not saying that.
00:31:17.140 | You know what?
00:31:18.140 | I'm not saying that.
00:31:19.140 | You know what?
00:31:20.140 | I'm not saying that.
00:31:21.140 | You know what?
00:31:22.140 | I'm not saying that.
00:31:23.140 | You know what?
00:31:24.140 | I'm not saying that.
00:31:25.140 | You know what?
00:31:26.140 | I'm not saying that.
00:31:27.140 | You know what?
00:31:28.140 | I'm not saying that.
00:31:29.140 | You know what?
00:31:30.140 | I'm not saying that.
00:31:31.140 | You know what?
00:31:32.140 | I'm not saying that.
00:31:33.140 | You know what?
00:31:34.140 | I'm not saying that.
00:31:35.140 | You know what?
00:31:36.140 | I'm not saying that.
00:31:37.140 | You know what?
00:31:38.140 | I'm not saying that.
00:31:39.140 | You know what?
00:31:40.140 | I'm not saying that.
00:31:41.140 | You know what?
00:31:42.140 | I'm not saying that.
00:31:43.140 | You know what?
00:31:44.140 | I'm not saying that.
00:31:45.140 | You know what?
00:31:46.140 | I'm not saying that.
00:31:47.140 | You know what?
00:31:48.140 | I'm not saying that.
00:31:49.140 | You know what?
00:31:50.140 | I'm not saying that.
00:31:51.140 | You know what?
00:31:52.140 | I'm not saying that.
00:31:53.140 | You know what?
00:31:54.140 | I'm not saying that.
00:31:55.140 | You know what?
00:31:56.140 | I'm not saying that.
00:31:57.140 | You know what?
00:31:58.140 | I'm not saying that.
00:31:59.140 | You know what?
00:32:00.140 | I'm not saying that.
00:32:01.140 | You know what?
00:32:02.140 | I'm not saying that.
00:32:03.140 | You know what?
00:32:04.140 | I'm not saying that.
00:32:05.140 | You know what?
00:32:06.140 | I'm not saying that.
00:32:07.140 | You know what?
00:32:08.140 | I'm not saying that.
00:32:09.140 | You know what?
00:32:10.140 | I'm not saying that.
00:32:11.140 | You know what?
00:32:12.140 | I'm not saying that.
00:32:13.140 | You know what?
00:32:14.140 | I'm not saying that.
00:32:15.140 | You know what?
00:32:16.140 | I'm not saying that.
00:32:17.140 | You know what?
00:32:18.140 | I'm not saying that.
00:32:19.140 | You know what?
00:32:20.140 | I'm not saying that.
00:32:21.140 | You know what?
00:32:22.140 | I'm not saying that.
00:32:23.140 | You know what?
00:32:24.140 | I'm not saying that.
00:32:25.140 | You know what?
00:32:26.140 | I'm not saying that.
00:32:27.140 | You know what?
00:32:28.140 | I'm not saying that.
00:32:29.140 | You know what?
00:32:30.140 | I'm not saying that.
00:32:31.140 | You know what?
00:32:32.140 | I'm not saying that.
00:32:33.140 | You know what?
00:32:34.140 | I'm not saying that.
00:32:35.140 | You know what?
00:32:36.140 | I'm not saying that.
00:32:37.140 | You know what?
00:32:38.140 | I'm not saying that.
00:32:39.140 | You know what?
00:32:40.140 | I'm not saying that.
00:32:41.140 | You know what?
00:32:42.140 | I'm not saying that.
00:32:43.140 | You know what?
00:32:44.140 | I'm not saying that.
00:32:45.140 | You know what?
00:32:46.140 | I'm not saying that.
00:32:47.140 | You know what?
00:32:48.140 | I'm not saying that.
00:32:49.140 | You know what?
00:32:50.140 | I'm not saying that.
00:32:51.140 | You know what?
00:32:52.140 | I'm not saying that.
00:32:53.140 | You know what?
00:32:54.140 | I'm not saying that.
00:32:55.140 | You know what?
00:32:56.140 | I'm not saying that.
00:32:57.140 | You know what?
00:32:58.140 | I'm not saying that.
00:32:59.140 | You know what?
00:33:00.140 | I'm not saying that.
00:33:01.140 | You know what?
00:33:02.140 | I'm not saying that.
00:33:03.140 | You know what?
00:33:04.140 | I'm not saying that.
00:33:05.140 | You know what?
00:33:06.140 | I'm not saying that.
00:33:07.140 | You know what?
00:33:08.140 | I'm not saying that.
00:33:09.140 | You know what?
00:33:10.140 | I'm not saying that.
00:33:11.140 | You know what?
00:33:12.140 | I'm not saying that.
00:33:13.140 | You know what?
00:33:14.140 | I'm not saying that.
00:33:15.140 | You know what?
00:33:16.140 | I'm not saying that.
00:33:17.140 | You know what?
00:33:18.140 | I'm not saying that.
00:33:19.140 | You know what?
00:33:20.140 | I'm not saying that.
00:33:21.140 | You know what?
00:33:22.140 | I'm not saying that.
00:33:23.140 | You know what?
00:33:24.140 | I'm not saying that.
00:33:25.140 | You know what?
00:33:26.140 | I'm not saying that.
00:33:27.140 | You know what?
00:33:28.140 | I'm not saying that.
00:33:29.140 | You know what?
00:33:30.140 | I'm not saying that.
00:33:31.140 | You know what?
00:33:32.140 | I'm not saying that.
00:33:33.140 | You know what?
00:33:34.140 | I'm not saying that.
00:33:35.140 | You know what?
00:33:36.140 | I'm not saying that.
00:33:37.140 | You know what?
00:33:38.140 | I'm not saying that.
00:33:39.140 | You know what?
00:33:40.140 | I'm not saying that.
00:33:41.140 | You know what?
00:33:42.140 | I'm not saying that.
00:33:43.140 | You know what?
00:33:44.140 | I'm not saying that.
00:33:45.140 | You know what?
00:33:46.140 | I'm not saying that.
00:33:47.140 | You know what?
00:33:48.140 | I'm not saying that.
00:33:49.140 | You know what?
00:33:50.140 | I'm not saying that.
00:33:51.140 | You know what?
00:33:52.140 | I'm not saying that.
00:33:53.140 | You know what?
00:33:54.140 | I'm not saying that.
00:33:55.140 | You know what?
00:33:56.140 | I'm not saying that.
00:33:57.140 | You know what?
00:33:58.140 | I'm not saying that.
00:33:59.140 | You know what?
00:34:00.140 | I'm not saying that.
00:34:01.140 | You know what?
00:34:02.140 | I'm not saying that.
00:34:03.140 | You know what?
00:34:04.140 | I'm not saying that.
00:34:05.140 | You know what?
00:34:06.140 | I'm not saying that.
00:34:07.140 | You know what?
00:34:08.140 | I'm not saying that.
00:34:09.140 | You know what?
00:34:10.140 | I'm not saying that.
00:34:11.140 | You know what?
00:34:12.140 | I'm not saying that.
00:34:13.140 | You know what?
00:34:14.140 | I'm not saying that.
00:34:15.140 | You know what?
00:34:16.140 | I'm not saying that.
00:34:17.140 | You know what?
00:34:18.140 | I'm not saying that.
00:34:19.140 | You know what?
00:34:20.140 | I'm not saying that.
00:34:21.140 | You know what?
00:34:22.140 | I'm not saying that.
00:34:23.140 | You know what?
00:34:24.140 | I'm not saying that.
00:34:25.140 | You know what?
00:34:26.140 | I'm not saying that.
00:34:27.140 | You know what?
00:34:28.140 | I'm not saying that.
00:34:29.140 | You know what?
00:34:30.140 | I'm not saying that.
00:34:31.140 | You know what?
00:34:32.140 | I'm not saying that.
00:34:33.140 | You know what?
00:34:34.140 | I'm not saying that.
00:34:35.140 | You know what?
00:34:36.140 | I'm not saying that.
00:34:37.140 | You know what?
00:34:38.140 | I'm not saying that.
00:34:39.140 | You know what?
00:34:40.140 | I'm not saying that.
00:34:41.140 | You know what?
00:34:42.140 | I'm not saying that.
00:34:43.140 | You know what?
00:34:44.140 | I'm not saying that.
00:34:45.140 | You know what?
00:34:46.140 | I'm not saying that.
00:34:47.140 | You know what?
00:34:48.140 | I'm not saying that.
00:34:49.140 | You know what?
00:34:50.140 | I'm not saying that.
00:34:51.140 | You know what?
00:34:52.140 | I'm not saying that.
00:34:53.140 | You know what?
00:34:54.140 | I'm not saying that.
00:34:55.140 | You know what?
00:34:56.140 | I'm not saying that.
00:34:57.140 | You know what?
00:34:58.140 | I'm not saying that.
00:34:59.140 | You know what?
00:35:00.140 | I'm not saying that.
00:35:01.140 | You know what?
00:35:02.140 | I'm not saying that.
00:35:03.140 | You know what?
00:35:04.140 | I'm not saying that.
00:35:05.140 | You know what?
00:35:06.140 | I'm not saying that.
00:35:07.140 | You know what?
00:35:08.140 | I'm not saying that.
00:35:09.140 | You know what?
00:35:10.140 | I'm not saying that.
00:35:11.140 | You know what?
00:35:12.140 | I'm not saying that.
00:35:13.140 | You know what?
00:35:14.140 | I'm not saying that.
00:35:15.140 | You know what?
00:35:16.140 | I'm not saying that.
00:35:17.140 | You know what?
00:35:18.140 | I'm not saying that.
00:35:19.140 | You know what?
00:35:20.140 | I'm not saying that.
00:35:21.140 | You know what?
00:35:22.140 | I'm not saying that.
00:35:23.140 | You know what?
00:35:24.140 | I'm not saying that.
00:35:25.140 | You know what?
00:35:26.140 | I'm not saying that.
00:35:27.140 | You know what?
00:35:28.140 | I'm not saying that.
00:35:29.140 | You know what?
00:35:30.140 | I'm not saying that.
00:35:31.140 | You know what?
00:35:32.140 | I'm not saying that.
00:35:33.140 | You know what?
00:35:34.140 | I'm not saying that.
00:35:35.140 | You know what?
00:35:36.140 | I'm not saying that.
00:35:37.140 | You know what?
00:35:38.140 | I'm not saying that.
00:35:39.140 | You know what?
00:35:40.140 | I'm not saying that.
00:35:41.140 | You know what?
00:35:42.140 | I'm not saying that.
00:35:43.140 | You know what?
00:35:44.140 | I'm not saying that.
00:35:45.140 | You know what?
00:35:46.140 | I'm not saying that.
00:35:47.140 | You know what?
00:35:48.140 | I'm not saying that.
00:35:49.140 | You know what?
00:35:50.140 | I'm not saying that.
00:35:51.140 | You know what?
00:35:52.140 | I'm not saying that.
00:35:53.140 | You know what?
00:35:54.140 | I'm not saying that.
00:35:55.140 | You know what?
00:35:56.140 | I'm not saying that.
00:35:57.140 | You know what?
00:35:58.140 | I'm not saying that.
00:35:59.140 | You know what?
00:36:00.140 | I'm not saying that.
00:36:01.140 | You know what?
00:36:02.140 | I'm not saying that.
00:36:03.140 | You know what?
00:36:04.140 | I'm not saying that.
00:36:05.140 | You know what?
00:36:06.140 | I'm not saying that.
00:36:07.140 | You know what?
00:36:08.140 | I'm not saying that.
00:36:09.140 | You know what?
00:36:10.140 | I'm not saying that.
00:36:11.140 | You know what?
00:36:12.140 | I'm not saying that.
00:36:13.140 | You know what?
00:36:14.140 | I'm not saying that.
00:36:15.140 | You know what?
00:36:16.140 | I'm not saying that.
00:36:17.140 | You know what?
00:36:18.140 | I'm not saying that.
00:36:19.140 | You know what?
00:36:20.140 | I'm not saying that.
00:36:21.140 | You know what?
00:36:22.140 | I'm not saying that.
00:36:23.140 | You know what?
00:36:24.140 | I'm not saying that.
00:36:25.140 | You know what?
00:36:26.140 | I'm not saying that.
00:36:27.140 | You know what?
00:36:28.140 | I'm not saying that.
00:36:29.140 | You know what?
00:36:30.140 | I'm not saying that.
00:36:31.140 | You know what?
00:36:32.140 | I'm not saying that.
00:36:33.140 | You know what?
00:36:34.140 | I'm not saying that.
00:36:35.140 | You know what?
00:36:36.140 | I'm not saying that.
00:36:37.140 | You know what?
00:36:38.140 | I'm not saying that.
00:36:39.140 | You know what?
00:36:40.140 | I'm not saying that.
00:36:41.140 | You know what?
00:36:42.140 | I'm not saying that.
00:36:43.140 | You know what?
00:36:44.140 | I'm not saying that.
00:36:45.140 | You know what?
00:36:46.140 | I'm not saying that.
00:36:47.140 | You know what?
00:36:48.140 | I'm not saying that.
00:36:49.140 | You know what?
00:36:50.140 | I'm not saying that.
00:36:51.140 | You know what?
00:36:52.140 | I'm not saying that.
00:36:53.140 | You know what?
00:36:54.140 | I'm not saying that.
00:36:55.140 | You know what?
00:36:56.140 | I'm not saying that.
00:36:57.140 | You know what?
00:36:58.140 | I'm not saying that.
00:36:59.140 | You know what?
00:37:00.140 | I'm not saying that.
00:37:01.140 | You know what?
00:37:02.140 | I'm not saying that.
00:37:03.140 | You know what?
00:37:04.140 | I'm not saying that.
00:37:05.140 | You know what?
00:37:06.140 | I'm not saying that.
00:37:07.140 | You know what?
00:37:08.140 | I'm not saying that.
00:37:09.140 | You know what?
00:37:10.140 | I'm not saying that.
00:37:11.140 | You know what?
00:37:12.140 | I'm not saying that.
00:37:13.140 | You know what?
00:37:14.140 | I'm not saying that.
00:37:15.140 | You know what?
00:37:16.140 | I'm not saying that.
00:37:17.140 | You know what?
00:37:18.140 | I'm not saying that.
00:37:19.140 | You know what?
00:37:20.140 | I'm not saying that.
00:37:21.140 | You know what?
00:37:22.140 | I'm not saying that.
00:37:23.140 | You know what?
00:37:24.140 | I'm not saying that.
00:37:25.140 | You know what?
00:37:26.140 | I'm not saying that.
00:37:27.140 | You know what?
00:37:28.140 | I'm not saying that.
00:37:29.140 | You know what?
00:37:30.140 | I'm not saying that.
00:37:31.140 | You know what?
00:37:32.140 | I'm not saying that.
00:37:33.140 | You know what?
00:37:34.140 | I'm not saying that.
00:37:35.140 | You know what?
00:37:36.140 | I'm not saying that.
00:37:37.140 | You know what?
00:37:38.140 | I'm not saying that.
00:37:39.140 | You know what?
00:37:40.140 | I'm not saying that.
00:37:41.140 | You know what?
00:37:42.140 | I'm not saying that.
00:37:43.140 | You know what?
00:37:44.140 | I'm not saying that.
00:37:45.140 | You know what?
00:37:46.140 | I'm not saying that.
00:37:47.140 | You know what?
00:37:48.140 | I'm not saying that.
00:37:49.140 | You know what?
00:37:50.140 | I'm not saying that.
00:37:51.140 | You know what?
00:37:52.140 | I'm not saying that.
00:37:53.140 | You know what?
00:37:54.140 | I'm not saying that.
00:37:55.140 | You know what?
00:37:56.140 | I'm not saying that.
00:37:57.140 | You know what?
00:37:58.140 | I'm not saying that.
00:37:59.140 | You know what?
00:38:00.140 | I'm not saying that.
00:38:01.140 | You know what?
00:38:02.140 | I'm not saying that.
00:38:03.140 | You know what?
00:38:04.140 | I'm not saying that.
00:38:05.140 | You know what?
00:38:06.140 | I'm not saying that.
00:38:07.140 | You know what?
00:38:08.140 | I'm not saying that.
00:38:09.140 | You know what?
00:38:10.140 | I'm not saying that.
00:38:11.140 | You know what?
00:38:12.140 | I'm not saying that.
00:38:13.140 | You know what?
00:38:14.140 | I'm not saying that.
00:38:15.140 | You know what?
00:38:16.140 | I'm not saying that.
00:38:17.140 | You know what?
00:38:18.140 | I'm not saying that.
00:38:19.140 | You know what?
00:38:20.140 | I'm not saying that.
00:38:21.140 | You know what?
00:38:22.140 | I'm not saying that.
00:38:23.140 | You know what?
00:38:24.140 | I'm not saying that.
00:38:25.140 | You know what?
00:38:26.140 | I'm not saying that.
00:38:27.140 | You know what?
00:38:28.140 | I'm not saying that.
00:38:29.140 | You know what?
00:38:30.140 | I'm not saying that.
00:38:31.140 | You know what?
00:38:32.140 | I'm not saying that.
00:38:33.140 | You know what?
00:38:34.140 | I'm not saying that.
00:38:35.140 | You know what?
00:38:36.140 | I'm not saying that.
00:38:37.140 | You know what?
00:38:38.140 | I'm not saying that.
00:38:39.140 | You know what?
00:38:40.140 | I'm not saying that.
00:38:41.140 | You know what?
00:38:42.140 | I'm not saying that.
00:38:43.140 | You know what?
00:38:44.140 | I'm not saying that.
00:38:45.140 | You know what?
00:38:46.140 | I'm not saying that.
00:38:47.140 | You know what?
00:38:48.140 | I'm not saying that.
00:38:49.140 | You know what?
00:38:50.140 | I'm not saying that.
00:38:51.140 | You know what?
00:38:52.140 | I'm not saying that.
00:38:53.140 | You know what?
00:38:54.140 | I'm not saying that.
00:38:55.140 | You know what?
00:38:56.140 | I'm not saying that.
00:38:57.140 | You know what?
00:38:58.140 | I'm not saying that.
00:38:59.140 | You know what?
00:39:00.140 | I'm not saying that.
00:39:01.140 | You know what?
00:39:02.140 | I'm not saying that.
00:39:03.140 | You know what?
00:39:04.140 | I'm not saying that.
00:39:05.140 | You know what?
00:39:06.140 | I'm not saying that.
00:39:07.140 | You know what?
00:39:08.140 | I'm not saying that.
00:39:09.140 | You know what?
00:39:10.140 | I'm not saying that.
00:39:11.140 | You know what?
00:39:12.140 | I'm not saying that.
00:39:13.140 | You know what?
00:39:14.140 | I'm not saying that.
00:39:15.140 | You know what?
00:39:16.140 | I'm not saying that.
00:39:17.140 | You know what?
00:39:18.140 | I'm not saying that.
00:39:19.140 | You know what?
00:39:20.140 | I'm not saying that.
00:39:21.140 | You know what?
00:39:22.140 | I'm not saying that.
00:39:23.140 | You know what?
00:39:24.140 | I'm not saying that.
00:39:25.140 | You know what?
00:39:26.140 | I'm not saying that.
00:39:27.140 | You know what?
00:39:28.140 | I'm not saying that.
00:39:29.140 | You know what?
00:39:30.140 | I'm not saying that.
00:39:31.140 | You know what?
00:39:32.140 | I'm not saying that.
00:39:33.140 | You know what?
00:39:34.140 | I'm not saying that.
00:39:35.140 | You know what?
00:39:36.140 | I'm not saying that.
00:39:37.140 | You know what?
00:39:38.140 | I'm not saying that.
00:39:39.140 | You know what?
00:39:40.140 | I'm not saying that.
00:39:41.140 | You know what?
00:39:42.140 | I'm not saying that.
00:39:43.140 | You know what?
00:39:44.140 | I'm not saying that.
00:39:45.140 | You know what?
00:39:46.140 | I'm not saying that.
00:39:47.140 | You know what?
00:39:48.140 | I'm not saying that.
00:39:49.140 | You know what?
00:39:50.140 | I'm not saying that.
00:39:51.140 | You know what?
00:39:52.140 | I'm not saying that.
00:39:53.140 | You know what?
00:39:54.140 | I'm not saying that.
00:39:55.140 | You know what?
00:39:56.140 | I'm not saying that.
00:39:57.140 | You know what?
00:39:58.140 | I'm not saying that.
00:39:59.140 | You know what?
00:40:00.140 | I'm not saying that.
00:40:01.140 | You know what?
00:40:02.140 | I'm not saying that.
00:40:03.140 | You know what?
00:40:04.140 | I'm not saying that.
00:40:05.140 | You know what?
00:40:06.140 | I'm not saying that.
00:40:07.140 | You know what?
00:40:08.140 | I'm not saying that.
00:40:09.140 | You know what?
00:40:10.140 | I'm not saying that.
00:40:11.140 | You know what?
00:40:12.140 | I'm not saying that.
00:40:13.140 | You know what?
00:40:14.140 | I'm not saying that.
00:40:15.140 | You know what?
00:40:16.140 | I'm not saying that.
00:40:17.140 | You know what?
00:40:18.140 | I'm not saying that.
00:40:19.140 | You know what?
00:40:20.140 | I'm not saying that.
00:40:21.140 | You know what?
00:40:22.140 | I'm not saying that.
00:40:23.140 | You know what?
00:40:24.140 | I'm not saying that.
00:40:25.140 | You know what?
00:40:26.140 | I'm not saying that.
00:40:27.140 | You know what?
00:40:28.140 | I'm not saying that.
00:40:29.140 | You know what?
00:40:30.140 | I'm not saying that.
00:40:31.140 | You know what?
00:40:32.140 | I'm not saying that.
00:40:33.140 | You know what?
00:40:34.140 | I'm not saying that.
00:40:35.140 | You know what?
00:40:36.140 | I'm not saying that.
00:40:37.140 | You know what?
00:40:38.140 | I'm not saying that.
00:40:39.140 | You know what?
00:40:40.140 | I'm not saying that.
00:40:41.140 | You know what?
00:40:42.140 | I'm not saying that.
00:40:43.140 | You know what?
00:40:44.140 | I'm not saying that.
00:40:45.140 | You know what?
00:40:46.140 | I'm not saying that.
00:40:47.140 | You know what?
00:40:48.140 | I'm not saying that.
00:40:49.140 | You know what?
00:40:50.140 | I'm not saying that.
00:40:51.140 | You know what?
00:40:52.140 | I'm not saying that.
00:40:53.140 | You know what?
00:40:54.140 | I'm not saying that.
00:40:55.140 | You know what?
00:40:56.140 | I'm not saying that.
00:40:57.140 | You know what?
00:40:58.140 | I'm not saying that.
00:40:59.140 | You know what?
00:41:00.140 | I'm not saying that.
00:41:01.140 | You know what?
00:41:02.140 | I'm not saying that.
00:41:03.140 | You know what?
00:41:04.140 | I'm not saying that.
00:41:05.140 | You know what?
00:41:06.140 | I'm not saying that.
00:41:07.140 | You know what?
00:41:08.140 | I'm not saying that.
00:41:09.140 | You know what?
00:41:10.140 | I'm not saying that.
00:41:11.140 | You know what?
00:41:12.140 | I'm not saying that.
00:41:13.140 | You know what?
00:41:14.140 | I'm not saying that.
00:41:15.140 | You know what?
00:41:16.140 | I'm not saying that.
00:41:17.140 | You know what?
00:41:18.140 | I'm not saying that.
00:41:19.140 | You know what?
00:41:20.140 | I'm not saying that.
00:41:21.140 | You know what?
00:41:22.140 | I'm not saying that.
00:41:23.140 | You know what?
00:41:24.140 | I'm not saying that.
00:41:25.140 | You know what?
00:41:26.140 | I'm not saying that.
00:41:27.140 | You know what?
00:41:28.140 | I'm not saying that.
00:41:29.140 | You know what?
00:41:30.140 | I'm not saying that.
00:41:31.140 | You know what?
00:41:32.140 | I'm not saying that.
00:41:33.140 | You know what?
00:41:34.140 | I'm not saying that.
00:41:35.140 | You know what?
00:41:36.140 | I'm not saying that.
00:41:37.140 | You know what?
00:41:38.140 | I'm not saying that.
00:41:39.140 | You know what?
00:41:40.140 | I'm not saying that.
00:41:41.140 | You know what?
00:41:42.140 | I'm not saying that.
00:41:43.140 | You know what?
00:41:44.140 | I'm not saying that.
00:41:45.140 | You know what?
00:41:46.140 | I'm not saying that.
00:41:47.140 | You know what?
00:41:48.140 | I'm not saying that.
00:41:49.140 | You know what?
00:41:50.140 | I'm not saying that.
00:41:51.140 | You know what?
00:41:52.140 | I'm not saying that.
00:41:53.140 | You know what?
00:41:54.140 | I'm not saying that.
00:41:55.140 | You know what?
00:41:56.140 | I'm not saying that.
00:41:57.140 | You know what?
00:41:58.140 | I'm not saying that.
00:41:59.140 | You know what?
00:42:00.140 | I'm not saying that.
00:42:01.140 | You know what?
00:42:02.140 | I'm not saying that.
00:42:03.140 | You know what?
00:42:04.140 | I'm not saying that.
00:42:05.140 | You know what?
00:42:06.140 | I'm not saying that.
00:42:07.140 | You know what?
00:42:08.140 | I'm not saying that.
00:42:09.140 | You know what?
00:42:10.140 | I'm not saying that.
00:42:11.140 | You know what?
00:42:12.140 | I'm not saying that.
00:42:13.140 | You know what?
00:42:14.140 | I'm not saying that.
00:42:15.140 | You know what?
00:42:16.140 | I'm not saying that.
00:42:17.140 | You know what?
00:42:18.140 | I'm not saying that.
00:42:19.140 | You know what?
00:42:20.140 | I'm not saying that.
00:42:21.140 | You know what?
00:42:22.140 | I'm not saying that.
00:42:23.140 | You know what?
00:42:24.140 | I'm not saying that.
00:42:25.140 | You know what?
00:42:26.140 | I'm not saying that.
00:42:27.140 | You know what?
00:42:28.140 | I'm not saying that.
00:42:29.140 | You know what?
00:42:30.140 | I'm not saying that.
00:42:31.140 | You know what?
00:42:32.140 | I'm not saying that.
00:42:33.140 | You know what?
00:42:34.140 | I'm not saying that.
00:42:35.140 | You know what?
00:42:36.140 | I'm not saying that.
00:42:37.140 | You know what?
00:42:38.140 | I'm not saying that.
00:42:39.140 | You know what?
00:42:40.140 | I'm not saying that.
00:42:41.140 | You know what?
00:42:42.140 | I'm not saying that.
00:42:43.140 | You know what?
00:42:44.140 | I'm not saying that.
00:42:45.140 | You know what?
00:42:46.140 | I'm not saying that.
00:42:47.140 | You know what?
00:42:48.140 | I'm not saying that.
00:42:49.140 | You know what?
00:42:50.140 | I'm not saying that.
00:42:51.140 | You know what?
00:42:52.140 | I'm not saying that.
00:42:53.140 | You know what?
00:42:54.140 | I'm not saying that.
00:42:55.140 | You know what?
00:42:56.140 | I'm not saying that.
00:42:57.140 | You know what?
00:42:58.140 | I'm not saying that.
00:42:59.140 | You know what?
00:43:00.140 | I'm not saying that.
00:43:01.140 | You know what?
00:43:02.140 | I'm not saying that.
00:43:03.140 | You know what?
00:43:04.140 | I'm not saying that.
00:43:05.140 | You know what?
00:43:06.140 | I'm not saying that.
00:43:07.140 | You know what?
00:43:08.140 | I'm not saying that.
00:43:09.140 | You know what?
00:43:10.140 | I'm not saying that.
00:43:11.140 | You know what?
00:43:12.140 | I'm not saying that.
00:43:13.140 | You know what?
00:43:14.140 | I'm not saying that.
00:43:15.140 | You know what?
00:43:16.140 | I'm not saying that.
00:43:17.140 | You know what?
00:43:18.140 | I'm not saying that.
00:43:19.140 | You know what?
00:43:20.140 | I'm not saying that.
00:43:21.140 | You know what?
00:43:22.140 | I'm not saying that.
00:43:23.140 | You know what?
00:43:24.140 | I'm not saying that.
00:43:25.140 | You know what?
00:43:26.140 | I'm not saying that.
00:43:27.140 | You know what?
00:43:28.140 | I'm not saying that.
00:43:29.140 | You know what?
00:43:30.140 | I'm not saying that.
00:43:31.140 | You know what?
00:43:32.140 | I'm not saying that.
00:43:33.140 | You know what?
00:43:34.140 | I'm not saying that.
00:43:35.140 | You know what?
00:43:36.140 | I'm not saying that.
00:43:37.140 | You know what?
00:43:38.140 | I'm not saying that.
00:43:39.140 | You know what?
00:43:40.140 | I'm not saying that.
00:43:41.140 | You know what?
00:43:42.140 | I'm not saying that.
00:43:43.140 | You know what?
00:43:44.140 | I'm not saying that.
00:43:45.140 | You know what?
00:43:46.140 | I'm not saying that.
00:43:47.140 | You know what?
00:43:48.140 | I'm not saying that.
00:43:49.140 | You know what?
00:43:50.140 | I'm not saying that.
00:43:51.140 | You know what?
00:43:52.140 | I'm not saying that.
00:43:53.140 | You know what?
00:43:54.140 | I'm not saying that.
00:43:55.140 | You know what?
00:43:56.140 | I'm not saying that.
00:43:57.140 | You know what?
00:43:58.140 | I'm not saying that.
00:43:59.140 | You know what?
00:44:00.140 | I'm not saying that.
00:44:01.140 | You know what?
00:44:02.140 | I'm not saying that.
00:44:03.140 | You know what?
00:44:04.140 | I'm not saying that.
00:44:05.140 | You know what?
00:44:06.140 | I'm not saying that.
00:44:07.140 | You know what?
00:44:08.140 | I'm not saying that.
00:44:09.140 | You know what?
00:44:10.140 | I'm not saying that.
00:44:11.140 | You know what?
00:44:12.140 | I'm not saying that.
00:44:13.140 | You know what?
00:44:14.140 | I'm not saying that.
00:44:15.140 | You know what?
00:44:16.140 | I'm not saying that.
00:44:17.140 | You know what?
00:44:18.140 | I'm not saying that.
00:44:19.140 | You know what?
00:44:20.140 | I'm not saying that.
00:44:21.140 | You know what?
00:44:22.140 | I'm not saying that.
00:44:23.140 | You know what?
00:44:24.140 | I'm not saying that.
00:44:25.140 | You know what?
00:44:26.140 | I'm not saying that.
00:44:27.140 | You know what?
00:44:28.140 | I'm not saying that.
00:44:29.140 | You know what?
00:44:30.140 | I'm not saying that.
00:44:31.140 | You know what?
00:44:32.140 | I'm not saying that.
00:44:33.140 | You know what?
00:44:34.140 | I'm not saying that.
00:44:35.140 | You know what?
00:44:36.140 | I'm not saying that.
00:44:37.140 | You know what?
00:44:38.140 | I'm not saying that.
00:44:39.140 | You know what?
00:44:40.140 | I'm not saying that.
00:44:41.140 | You know what?
00:44:42.140 | I'm not saying that.
00:44:43.140 | You know what?
00:44:44.140 | I'm not saying that.
00:44:45.140 | You know what?
00:44:46.140 | I'm not saying that.
00:44:47.140 | You know what?
00:44:48.140 | I'm not saying that.
00:44:49.140 | You know what?
00:44:50.140 | I'm not saying that.
00:44:51.140 | You know what?
00:44:52.140 | I'm not saying that.
00:44:53.140 | You know what?
00:44:54.140 | I'm not saying that.
00:44:55.140 | You know what?
00:44:56.140 | I'm not saying that.
00:44:57.140 | You know what?
00:44:58.140 | I'm not saying that.
00:44:59.140 | You know what?
00:45:00.140 | I'm not saying that.
00:45:01.140 | You know what?
00:45:02.140 | I'm not saying that.
00:45:03.140 | You know what?
00:45:04.140 | I'm not saying that.
00:45:05.140 | You know what?
00:45:06.140 | I'm not saying that.
00:45:07.140 | You know what?
00:45:08.140 | I'm not saying that.
00:45:09.140 | You know what?
00:45:10.140 | I'm not saying that.
00:45:11.140 | You know what?
00:45:12.140 | I'm not saying that.
00:45:13.140 | You know what?
00:45:14.140 | I'm not saying that.
00:45:15.140 | You know what?
00:45:16.140 | I'm not saying that.
00:45:17.140 | You know what?
00:45:18.140 | I'm not saying that.
00:45:19.140 | You know what?
00:45:20.140 | I'm not saying that.
00:45:21.140 | You know what?
00:45:22.140 | [BLANK_AUDIO]