Are you prepared to protect your family's financial future after your untimely demise? Let us guide you through the complex maze of financial responsibility after death. We are thrilled to be joined by Dr Kelsey Bloomberg and Carl Shaffer, two experts with immense knowledge on life insurance and pre-need arrangements. Together, we unravel the often overlooked story of underinsurance in many families, the rising trend of electronic fundraising like GoFundMe to offset funeral costs, and the vital role of assigning a beneficiary on bank accounts.
On our journey, we explore the necessity of obtaining a life insurance license, a step that equips families with vital information and tools. Our guests, with their wealth of knowledge, elaborate on the significance of early life insurance plans and how they help avoid burdening loved ones with debt. We delve into the benefits of having child riders on adult policies, the average cost of cremations, and the critical nature of preneed planning.
We also bring to light the uphill task many face when dealing with the financial fallout of a loved one's passing. As we discuss the value of life insurance, we provide listeners with valuable contact information for funeral home services, and explore the services offered by our guests' companies. This episode is a must-listen for everyone as it goes beyond the narrative of financial stability after death - it is a guide to ensuring a smooth transition for your family in their time of grief. Tune in to equip yourself with the knowledge to protect your family's financial future.
Powerful The Podcast Intro
Powerful the podcast Outro Music
Are you prepared to protect your family's financial future after your untimely demise? Let us guide you through the complex maze of financial responsibility after death. We are thrilled to be joined by Dr Kelsey Bloomberg and Carl Shaffer, two experts with immense knowledge on life insurance and pre-need arrangements. Together, we unravel the often overlooked story of underinsurance in many families, the rising trend of electronic fundraising like GoFundMe to offset funeral costs, and the vital role of assigning a beneficiary on bank accounts.
On our journey, we explore the necessity of obtaining a life insurance license, a step that equips families with vital information and tools. Our guests, with their wealth of knowledge, elaborate on the significance of early life insurance plans and how they help avoid burdening loved ones with debt. We delve into the benefits of having child riders on adult policies, the average cost of cremations, and the critical nature of preneed planning.
We also bring to light the uphill task many face when dealing with the financial fallout of a loved one's passing. As we discuss the value of life insurance, we provide listeners with valuable contact information for funeral home services, and explore the services offered by our guests' companies. This episode is a must-listen for everyone as it goes beyond the narrative of financial stability after death - it is a guide to ensuring a smooth transition for your family in their time of grief. Tune in to equip yourself with the knowledge to protect your family's financial future.
Powerful The Podcast Intro
Powerful the podcast Outro Music
Welcome to powerful the podcast. Powerful, optimistic women evolving relentlessly for uplifting lives. This podcast will discuss powerful topics regarding unspoken conversations that we usually shy away from on public platforms. Welcome to powerful the podcast. I am one of your hosts, shalonda Carlile, and we also have Kowalski.
Speaker 4:Williams and Dr Bianca Woods.
Speaker 1:Okay, great. Today's topic is life after death Who is financially responsible when a loved one passes? We have two awesome guests that are here with us. One of our guests is Dr Kelsey Bloomberg. He's a native of Indianolia, mississippi, and currently resides in the town of Terry Mississippi. He currently serves as one of the five alderman for the town of Terry Mississippi. He is married to Kimberly Bloomberg and they have three children Caleb, kaylee and Kobe. Dr Bloomberg received his bachelor's, master's and doctorate degrees from Jackson State University. His full time job is for Central Mississippi School District as a federal grants manager. Dr Bloomberg has also served as an adjunct professor for Alcorn State University with the Department of Human Sciences for many years. However, his passion is for helping people secure their families financial futures. Kelsey is also a licensed Mississippi life insurance agency. As a matter of fact, he is licensed in 12 other states. Welcome, dr Kelsey Bloomberg. And Bianca Billy will read off our shapers bio.
Speaker 4:Thank you, ms Carlisle. Carl Shaffer is retired after 25 years with the Asu County Sheriff's Department. However, he is now back in active duty as a supervisor with the county. He began working under his father in 1983 at Shaffer College Funeral Home in Yazoo, mississippi, since 2009, he has served as the owner and licensed funeral director of the organization. He has three sons and one daughter that he shares with his deceased wife, sheila. Thank you, carl Shaffer, for coming on tonight.
Speaker 1:Okay, well let's get started. Our topic is something that, especially in the black community, that we don't talk a lot about, that we need to have more conversations, we need more education, because we are finding that a lot of our loved ones are not insured when they pass on and that financial responsibility typically weighs on the family. They also have to take care if they have any children or any other things that are going on when that loved one passes. So let's, let's get into it. What are some challenges families face when someone passes, besides dealing with their loved ones? Go ahead, dr Kelsey.
Speaker 3:Okay, all right, we're listening to your question. What are some of the challenges that families face when somebody passes away? When it comes to a financial need, oftentimes families are underinsured, if they're insured at all. Okay, most people, when they think about life insurance, they're thinking about money that's to be used for a funeral, right, and oftentimes you may see people selling fish plates or fundraising or even standing on the corner with buckets.
Speaker 3:You know, now, in 2023, we're going electronic with it. You know we're doing setting up GoFundMeans and things like that, trying to get people to donate to a family for the purpose of helping them to pay for a funeral. Well, when it comes to life insurance, the life insurance should be in place so that things outside of the funeral can be taken care of Daily expenses, right, we don't think about all of what somebody's salary has to pay for. So when somebody passes away, oftentimes the salary dies with the person, and so that goes way beyond the cost of a funeral. So oftentimes families are underinsured. So it's very, very important to have enough money coming into the home to sustain the lifestyle that the family had.
Speaker 2:Yes, that's absolutely correct. I sit behind my desk every day and three out of five families do not have insurance. They are trying to find the cheapest way to bury their loved one. They are resorting to cremations now. Cremations are up 35% in Mississippi, just all types of things.
Speaker 2:Even on the standpoint, if you are financially able to bury your loved one, sometimes you don't have a beneficiary even on your bank account in order to get the money to bury you. I've had situations like that. You know they had the money, but they don't have nobody on the bank account in order to get the money to pay for the services. But it's just an uphill battle right now And we push life insurance and pre-needs and you know making arrangements for your families before time. Quite frequently Most of our ads and our gear too is to get insurance So they can be financially stable to bury their loved one. Because everything is going up every day. Cascades go up 2% to 3% every year, Grave spots go up, Just everything, flowers, problems, And it kills me when they don't have the money to pay for the services. Then you turn around and everybody got a t-shirt on it.
Speaker 5:Exactly, exactly.
Speaker 2:It's just an uphill battle at this time.
Speaker 5:Carl, what is the average cost for a cremation?
Speaker 2:Okay, average cost for cremation is about $2,000. Here in Mississippi On the white side it's about three to five Okay, yeah, but direct cremation is about $2,000. You can also have a viewing or funeral service, then cremation and that runs about $4,000. So sometimes that's still cheaper than having a service and a burial because you won't have to. You don't have to deal with the grave costs. The plot costs nothing like that, because those plots and graves got more and more than two to five thousand dollars, depending on where you want to be buried.
Speaker 5:So, depending on when you go you know when a family comes in and depending on what they pick, as far as okay, i want to lay my family member to raise, this way, the casket, the service. just say if they want to hold in, like, as far as the casket service being able to go out to pick the burial plot, this could run anywhere, maybe start it, maybe ten thousand dollars.
Speaker 2:Well, we can do, you can do some less, you know. Sixty five hundred to seven thousand dollars, probably going to be the least.
Speaker 5:Okay.
Speaker 4:This is Dr Bianca Bully. We know that everyone is going to pass away someday. How can individuals prepare to protect their families financially in cases of untimely death? I know we discussed the cost, but, especially in the black community, how can we make them aware of the things that they need to do so we don't have to do the go fund needs or have that those fish fries or make them aware It's not the t-shirts that we need to be spending our money in First?
Speaker 2:things. First, we need to realize that it's once upon a man to die. Everybody's going to leave here And you got to face that fact and you need to prepare for that, because God has went away to prepare a place for us And we as people, we need to prepare ourselves to have some type of alternative or some type of burial or cremation or whatever. Actually get it done. You need to talk to your family members about it. You need to ask them what they prefer cremation, or and then see one of your local film directors and find out these costs, charge yourself accordingly, like get you some insurance money or, if you got money, just put it aside for that.
Speaker 2:A pre-need is a very, very valuable tool. You can pay for your services and you can get it at today's cost, and then the interest that it builds over the time that you're left living will cover any type of additional charges that might occur to that burial or to that cremation if you live 10 years when you do it. So it's they. People need to be just kind of educated and just kind of face reality that hey, we got to leave here, so we need we need to know how we're going to leave here, where we going to go, what are they going to put us in? I deal with people all the time Frequently say, hey, my cousin is going to be with me, i ain't worried about that, they're going to take care of me, and so you know.
Speaker 3:Kelsen Bloomberg here I'll jump in and add to what he's saying. He did mention something about educating people. People need an education about these things. Oftentimes. I met too many people. They are unaware of what it costs to get life insurance. They are uneducated as to what would qualify or disqualify them from being eligible for life insurance. So people are not aware of some of the most simple principles around life.
Speaker 3:Take it in a different direction.
Speaker 3:We need more people that look like our people, the people that we're trying to help to educate them Right.
Speaker 3:It's not that we can't afford it, it's not that we are not healthy enough to get it A lot of us are not But we need to get ahead of that of those health challenges that maybe there are some things in our family that we tend to you know, to get you know hereditary issues And before that happens, we need to be insured right, because a lot of things disqualifies us from getting life insurance.
Speaker 3:And so if we can get in the habit of leaving an inheritance right, going to the reading of wheels right, instead of leaving bills for people to pay, then our families and the financial security of our families will be a more stable situation right, passing along generational wealth instead of poverty. Right, and you need to bring that curse. Somebody in the family needs to break the curse, okay, and so if we educate one another and have those difficult conversations, i think we'll one family at a time will be a more better off people. Just one family, one family at a time. So we need more people out there talking about this stuff and putting people in place that can help out people right?
Speaker 5:Okay, let me ask you this question, Kess. I'm sorry, this is Kowalski Williams. Let's discuss like three different things that families should like at least have in place. Plan when you're thinking about, you know, the end of a life preparation, And here are conversations where people feel like they can't afford it, like you say, basically is they scared, you know, thinking oh hey, I can't fit this in my budget, I can't do this, because they think it's just so expensive.
Speaker 3:Right, In order to get life insurance Until you get older. Yes, it can be relatively expensive If you wait until you get sick. It can be expensive, right, And or it's just a set of matter of priorities, right? Right, We have some of the most expensive bags, you know, purses and backpacks. Right, We have some expensive hair, cologne and perfume. We go to concerts and we dress really well. We wear the nicest shoes, right, I've not met anybody since elementary school that have shoes from Walmart right Now.
Speaker 3:Now Walmart sells shoes, though, but I've not met anybody since elementary school that got a pair of shoes that they wear from Walmart. So something that's too expensive is not too expensive. It's a matter of priorities. What's most important? What do we value? We value shoes more than we value leaving a legacy to our children, right, Children's children, right. So it's not. It's a matter of values and priorities. So that's one big, big thing that that families need to have in place a plan to survive without having to suffer financially and losing homes, losing all of that stuff that you work so hard for and then leave it to somebody they can't afford to keep it.
Speaker 4:Well, how do not? to interrupt you, this is Dr Bianca. but how do we get that education into the homes of people that are not prioritizing it? When my grandfather died and I guess he left me a good example he had barrier plots for each of his children. He had life insurance for each of his children, even though they died in their 60s. all of them had a barrier policy, all of them had a barrier plot, and so no money had to be paid out, except for the additional cost of some other things that come along with the funeral cost. So how do we get the education into the homes to the people so they can start prioritizing? no-transcript.
Speaker 3:Well, the thing is, we all have the ability to get information and share information. There are six people on this call and I don't know about the other guests, but I have a license to provide family with information and to get them a product that their family can use. But there are six people on here that have the ability to take a two-day class in the state of Mississippi, get the information and to get a license right, Because your cousin, your aunt, may not listen to me, They don't know me, but they know you. You can help everybody in your family, at your church, at your job, your neighbors, your cousins, right, and all of their friends. But we want to pass that responsibility on to some stranger out here in the world to go out here and inform the people that you're around every day, right?
Speaker 2:So we have to take responsibility.
Speaker 3:If you're cognitively available, right, you can get the license to do it. But too many people say, oh, i don't want to do that, that's not my thing, i don't like doing it, they've never done it. But if you have a passion to help people, you start with yourself, your family, and then you spread that out to your neighbors and you can help a lot of people, a lot of people. So it starts with us. I took their responsibility and say you know what? I can get this information. There are some things that I didn't understand. So I can take this two-day class. It's not a semester, it's not a two-year degree or a postgraduate degree that I'm trying to get. I didn't have to take a student loan out to get this information. Two days, two days, and I've helped so many families make sure that their families are going to be OK.
Speaker 3:We're not talking about $30,000. We're not talking about $40,000 worth. We're talking about $500,000. We're talking about a million dollars worth of life insurance for a 27-year-old. That costs $69 for the next 35 years of that person's life, and so it's like if this person passes away, they're going to leave their family a million dollars. If they pass away the next day. That's a million dollars, but too many of us think that we can't afford it. You're not even asking questions, you're not even seeking out the person or the people or the agency that can help you solve this problem, and so we're not at the edge of the time that we have and we're waiting too late.
Speaker 1:Dr Bloomberg, you made a good point. I remember, I think, when I was six or seven, my mom had life insurance on me, and I've been having life insurance on me since I was young And when I got of age I just carried over that policy, So it wasn't as expensive if you decide to get life insurance when you're 30 or 40. And my mama did that for all of us, So when she passed away I didn't have any debt to have to take out of. But what would be the earliest that people need to start ensuring their loved ones?
Speaker 3:Well, as a parent or a grandparent or a guardian, you need to get your children insured as child riders onto your adult policy right, So that if something should happen to the adult, that child's policy is paid up until they're 18. Nobody has to make another premium monthly payment on their child's policy because the owner of the policy passed away And now the children no matter how many children on their policies are paid up until they're 18, just the same, if the person was alive At 18, that parent needs to, I would say, take the responsibility of converting that policy to an adult policy and paying for it, because I wouldn't trust the 18-year-old to pay on a monthly basis. this $20 policy for $50,000, for instance, in this example, may cost $17 to continue that payment without missing those premium payments every month. So, training that child to pay this if they have a little job or something like that, hey, give mom $10 or $15 or whatever This is for your insurance. So you're training your child to know that this is something that you need to fit in your budget, no matter what right.
Speaker 3:And then, when that child becomes more and more responsible 25, maybe hey, mom, give that policy over to that child, right, Or keep the policy until that child's getting married. And now, until that child gets married. and now that's the spouse's responsibility to make sure that that family has a policy. But mom is in charge of making sure that their child, their wrong child, is taken care of, just in case something happens, right? But 18, certainly they need to get their own separate policy from the parent's policy. Most companies they drop off anyway, right, And so to continue that policy, they need to do that at anything.
Speaker 1:Oh, you made a great point as well And I hear this so much when people say my cousin or my brother going to take care of me. It's not your brother or your cousin's responsibility to take care of that type of debt.
Speaker 2:It's not. It's got to the point now where we go into these cash by night places and get loans just to fluctuate the funeral And then you end up paying double what you done borrowed. So it's just out of control And I think, well, my education comes in. Educating the families are, especially when they come to me when the blood one is in hospice care and don't have loan to live. At that point they really get interested in how we need to do this, how can we keep this from happening and stuff like that. And especially when somebody dies and they don't have one, that's when, the most times, we do write more insurance at that point and get more pre-needs from that particular family because they don't want to have to go through the same thing that they went through with their loved ones.
Speaker 3:And you said something about your mom policy for you to carry on. Often times I don't ask blanket ask people do you have life insurance? That's not how we were trained to walk up to people and ask them if they have life insurance. People have such not that much knowledge of it to be able to answer that question fully. So oftentimes people would say that they have life insurance but they have it through their job or their mom had a policy on them or something like that.
Speaker 3:Well, when you were two or 10, when your mother got a policy on you, she didn't know you were going to have three children, a $300,000 home and a car and student loan debt and credit card debt, and all this when she got that policy on you.
Speaker 3:So the policy that she got on you probably was $10,000, $15,000.
Speaker 3:So for a person that's 30, 40 years old to have this policy that their mom say, hey, this is your policy, you pay for it from now on, well, that's not going to sustain your family at all, the people that you're leaving behind, your children, your husband, right, right And the debt you get. So she has a policy that if you pass away mom, if you don't have anybody else in your life to take care of your final expenses. Mom got the minimum in place, but when you got your job and started having your kids and bought your home, it's your responsibility to make sure, if something happened to you today, that they can pay the house all, they can pay the credit cards all, they can do all and still go to daycare and after school care and tumble and all this stuff, even if you die. All of that needs to be taken to account. When somebody said, oh, i got enough life insurance, job insurance don't, can't, can't even scratch the surface of that Right First of all you work the job to have a life insurance.
Speaker 3:So when you retire or get sick and came work, got to go through surgery and use up all your pay, leave and all this stuff, your benefits don't even work anymore, right, right. And the FMLA is there for family medical leave, right, the family medical leave act, that's that gives you, i think, 12 weeks or so of just saving your job. All of that is not paid time off. So when you are off like that, a lot of your benefits don't even apply because you're not an active employee. So if you mess around and die from having that baby, right, you're not going to be around and get an infection and can't go back to work. All of this stuff, you, you, you don't have this life insurance from your job. And now you too sick to call somebody like me to get some. So now you waited too late, now your health has left you and you're not even eligible for life insurance outside of your job.
Speaker 2:Listeners this for the listeners out there Y'all pick to, not really contradicting people, but you pick two people. That one is dealing with making sure the family has some left And me, on the other hand, is a film director making sure that the merchandise is paid for, right, we are kind of like from one extreme to the next, but we we are actually preaching the same thing that we need things to cover what when death comes, even if it's just taking care of the person that's dead And even more or less from his end, making sure that you leave somebody else to carry on.
Speaker 1:And while I made a good point, both components need to be addressed, and something that I'm hearing from both of you all is we have to start doing more education to the community, to our loved ones, about after you passed and life insurance, but something else that I think that we need to continue to have conversations that we don't. We are not comfortable asking our immediate family if it's siblings, hey, do you have a life insurance policy? do you have a life insurance policy? what can I get a copy of your insurance person? because when, when they die only sometimes, that person is the only person knows about it. So we have to start having conversations with our family about you know, do we have life insurance? who is your life insurance carrier? So when they're grieving you, they don't have to worry about getting all that information as well. Do y'all have any other suggestions or things that you think the listeners would need to know during this time?
Speaker 2:I would suggest totally a preneed. we are servicing preneeds that people to take have taken out 10 years ago, when they pay for $6,000 service and it was a nice service And that service costs $12,000 now and they come in and they don't have to pay anything. If you got the ability to pay for it, go ahead and pay for it And then you know it'll be secured with insurance. but it will be secured with preneed insurance.
Speaker 3:The company that I'm involved with, if you have a policy that's enforced, because things have to process you know our death certificates, all of this stuff has to process. So our company has a 14 day period of pay right within 14 days of a noncontestable policy. Our company has a 94% rate of pay within 14 days of the claim. So within those 14 days this person had passed away. The funeral home, understanding, will ask the family if this person has life insurance And if that person has life insurance, they will ask what company is that person policy with right, and so that's important information to know. that family is an insurance company and the funeral home are going to communicate. The company is not going to tell the funeral home how much the policy is worth. The funeral home just want to know if this policy is enforced. Then ask the family how much or what are the things that they want to select right.
Speaker 3:The insurance company paid a funeral home right And the beneficiary gets the balance of that policy right. So, like he said, i am interested in the person who passed away gets taken care of as nicely as the family wants. I'm also interested in what happens to the family after those services and all of the songs have been sung, right, because then that family is also grieving. Now they don't need to lose the home, they don't need to lose the car, they don't need the kid need to still be able to go to college, right? So I'm interested in what happens after, right, that person check stops from the job. That's very important because you know, we all hear these people say what these basketball players, the football players, what makes you so great? What make you so great? Well, i watched my mom struggle after my dad died and I had to work hard and do this to help pay the bills and take care of my youngest. That should not be happening in 2023. We should have learned in our family and friends.
Speaker 4:Dr Bloomberg and Mr Schaefer. What I hear is that we all can agree that it needs to become a priority in the families to discuss death, to discuss what our expectation is, you know, after death, and that's one thing that we can all agree on. The conversations are not being had and we need to make it a priority where we whether we want to take care of the funeral calls or whether we want to take care of the funeral calls and the loved ones that we leave behind- I told the family one time and I just, they had a big family and most of them had insurance.
Speaker 2:and then I had a couple that didn't have none and they used to have a family reunion and I told them I said well, when y'all had these family reunions, why don't you invite somebody over to the cell insurance? have a booth set up for that, that's a great idea.
Speaker 2:Bobby chooses to have somebody to make sure that everybody else has got something going. And you know, dude, you know within the families they need to communicate with each other. And try to figure it out. You know, try to figure something out, because it's a struggle on us trying to provide these services and all these accolades. And the thing about it is you in the community that I'm in Central Mississippi. I know a lot of these people and you have the hard and the compassion. But you've got to stay in bed, you've got to keep the lights on, so you've got to at least charge for your funeral. You can't give everything away.
Speaker 3:You can't be mad at the funeral home for charging what they charge. You should be mad at yourself for not handling the business. We were too busy traveling, We were too busy looking good and everything like that and not paying attention to what is surely going to happen to us all. And so how can you not have a plan in place for people that you say that you love? you know, okay, that you don't care what happened to your body.
Speaker 3:I had too many conversations in the barbershop. I don't care what they do with me, Man, it's for the people who got to sleep every day knowing that they put you away. you know, respectfully right, Those are the people who care. You don't know anything. Whether you end up in a ditch or the river, you don't know. but the people who are here handling your business know, and those are the people who are suffering. And so if we care about the people that we love, we will try to limit their suffering and have something in place so they can live a better life or at least maintain the lifestyle that you chose.
Speaker 5:When we make these first calls, we won't have to go into these fairy halls. You know, trying to cook down the cost with these cameras Got you. So, Dr Bluebird, is it what we get your information?
Speaker 4:My number is 601-9067-10.
Speaker 3:My number is 601-9067-205. I can be reached at any time. You know I answer questions.
Speaker 3:I love educating people. I don't have to try to sell anything to anybody. I don't beg anybody to take care of their family. Once I educate you and you decide that this is not something that you want, that's your business. I don't have to pay for your kids to go to school. I don't have to pay for your lights. I don't have to pay. I'm not going to fool somebody and try to tell somebody I care so much about your family. No, i don't. Nobody can care more than for your family than you care for yourself. So I'm providing information and if you need what I have, i'm providing a service to you.
Speaker 3:And it's just as simple. I don't have to sugarcoat anything. This is what it costs for a person your age, that smoke or not smoke. It's your health, your height and weight, all of those things and the amount that you need to satisfy your home, your education and all these things for your family. That costs. That's not free. Somebody has to pay for it. It's not the funeral home, it's not your cousin, it's not your neighbor or your church. You got to collectively put something together to take care of your families every day. That responsibility is yours.
Speaker 4:First to show for. I like to thank you for the empathy and the services that you provide and the education and the information that you have provided tonight So our listeners to let them know that pre needs are available and there's something that should be considered and as well the conversations, as you said, it's the gathering, the family gatherings need to be had And, dr Bloomberg, i like your stance to you. You have made some great insightful points for the, for the parents or the guardians that are leaving families and and properties behind. Let's let's not leave them with birdies. Let's get them a policy that that will provide for that.
Speaker 4:So the pre needs will the funds for the cost of the funeral, but those families that have children that are going to be left behind, or properties or cars or just different things of that nature that are going to be important, let's not leave them with the burden of of the cost of that. Let's get them a life insurance policy at a young age, wise, inexpensive, the people are healthy, the height and weight is appropriate to gain life insurance. I think both of you are for the information that you have provided our listeners because they're on. You know, i know we are from different extremes, but both, both, both conversations needed to be had And that way the our listeners can can make a decision on which way they want to go. We make a priority conversation about death and the funeral calls and life insurance.
Speaker 1:Mr Schaefer, could you provide your contact information for our listeners?
Speaker 2:Schaefer Collins funeral home in here in Yazoo City We serve central Mississippi surrounding areas Yazoo, hines, Holmes, humphries So our phone number is 662-746-3985-662-746-3985. And also you can go on our website wwwSchaeferCollinsFHcom. You can see a current listing and then you can also go to the tab where it talks about preneeds and making arrangements and questions about what happens at death, and just contact us and we will get back to you through our website.
Speaker 1:I want to thank Dr Bluenberg and Mr Schaefer for your valuable input. Both of you all, the services that you all provide work hand to hand. We want to thank you for being on the show. We hope, hope you all have a great night and a great week and stay blessed. Thank you, all right.
Speaker 2:And as we say here, Schaefer and Collins, you lay still long enough.
Speaker 3:You can pick you up.