Latest / SHULCHAN ARUCH YOMI: Own the Halacha in 25 minutes a day! / Yoreh De’ah 169:10-12. Interest: Lending Between Two Jews and a Non-Jew and Collateral

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Yoreh De’ah 169:10-12. Interest: Lending Between Two Jews and a Non-Jew and Collateral · SHULCHAN ARUCH YOMI: Own the Halacha in 25 minutes a day!

• 0:02
  OK, good morning. We're continuing with Kuf Samer.
• 0:06
  We'll call it Kuf Samer tet ribis.
• 0:10
  Where Siif yud? That's where we left off Siif
• 0:14
  yud. OK, I'm just gonna real big
• 0:18
  Kitzer because really it's gonna come up more in the next Simon.
• 0:22
  But just to throw out there, there are three main types of an
• 0:26
  Arif and it's good to do Hazara because it's good to get it
• 0:30
  straight, three main types of an arev, and they're all, all of
• 0:34
  them are US because they're all, if they're involved in a loan
• 0:39
  with Ribis 1 is called an arev stum.
• 0:43
  That's a normal Arev, a normal guarantor.
• 0:46
  First you go to the Lova to collect the right, you go to the
• 0:50
  Malva, the lender goes to the Lova, the borrower and says give
• 0:54
  me back my money and the interest.
• 0:56
  We have a deal the but then if the Lova doesn't say I don't
• 1:01
  have any money, you know, even though the loan is over.
• 1:04
  So then you go to the guarantor to the Arif.
• 1:07
  That's normal Arif stuff. Arif Kablan.
• 1:12
  That expression is the deal is the Arif made it where the
• 1:19
  Malvet can go collect from either one, either one.
• 1:26
  It's up to them all that you can choose whoever he collects first
• 1:28
  right. Normally you would think you go
• 1:29
  to the Lova 1st and Arif Koblen makes himself a higher level of
• 1:34
  a guarantor and therefore the he can go collect to either one and
• 1:39
  the third category is an Arif. It's called a Schluf Dutz.
• 1:43
  Couple explanations what the expression is from I think we'll
• 1:48
  save it for a Khofain. It's basically but the the
• 1:52
  death, the right the etiology of what it comes from.
• 1:56
  We'll save it. But what is it?
• 1:58
  Halakhi? It means the Malvet only
• 2:02
  collects from the array from the guarantor, right?
• 2:06
  He doesn't have he does. He can't even go to the Lova.
• 2:08
  The Lova could just say I'm not I don't have to pay you back.
• 2:12
  He only he only goes to that array.
• 2:15
  OK, that's just good to have so that when we get to you, when we
• 2:20
  get there, it's not the first time you heard of the concepts.
• 2:23
  OK, so Inyud, the case is a goy Mashkan the Israel, the hovo.
• 2:32
  Mashkan Mishkan. OK, thank you.
• 2:35
  Goyesh and Mishkin the Israel, the hovo.
• 2:39
  So the case is the goy is a the goy is the malva.
• 2:45
  OK, that's important to get straight.
• 2:46
  It's a little hard to read in the words.
• 2:48
  I mean to at first glance, the goy is the, is the malve, the
• 2:55
  then there's two Jews over here, the Israel.
• 2:58
  The first Israel is the Lova. He borrows money and now the
• 3:03
  guy, he comes and he takes the against the will.
• 3:09
  He grabs the mashkon from the from the Lova.
• 3:18
  He just takes it. So now it's a little bit of a
• 3:21
  dazzling and that's not it's not OK, but that's what he does.
• 3:25
  And then Umash Umashkin, Hagoy, Otto Mashkin, he sell very beat.
• 3:31
  And then the same the goy who's the Malvan took the mashkin.
• 3:37
  Now he's after he lent out the money, he realizes, well, now he
• 3:40
  needs money again or he wants more money.
• 3:42
  So now he goes to a second Jew, a second Jew and he borrows
• 3:48
  money and now he's paying he's so he right.
• 3:51
  The first Jew he was lending on Ribis and now he's borrowing
• 3:55
  money. I mean, if there was Ribis or
• 3:57
  not in the first case is not really the main issue.
• 3:59
  The main issue is the second Jew.
• 4:02
  He's borrowing money with Ribis and he gives this Moshkin that
• 4:07
  he took from the first Jew against his will and he took
• 4:10
  this Moshkin and put it in the hands of the second Moshkin to
• 4:14
  the second Jew. And that's how he was able to to
• 4:18
  get this loan because the second Jew wasn't going to give her
• 4:21
  money as a loan without some kind of a mushroom, something
• 4:25
  collateral. So I'm sorry.
• 4:30
  Anything else you want to point out?
• 4:36
  Right. So what happens over here?
• 4:39
  Asur Lee Imayiser Al Podeo. Now the Jew, the first Jew, it's
• 4:46
  his object, the mashkun. It was originally his, it is
• 4:49
  his, and he wants it back. So now he wants to go to this.
• 4:54
  He finds out about the second Jew and he says, can I have my
• 4:58
  mashkun back please? It's mine.
• 5:01
  The second Jew says sure, but you have to pay me for it.
• 5:04
  So what happens, Asur? Now the Isur is really just an
• 5:10
  Isur Mederabanan, It's Shlihus Lakhumra.
• 5:14
  Because really all the dealings of Ribis was always directly
• 5:18
  from Jew to goy and Goyda Jew. It was not really from Jew to
• 5:22
  Jew. So everything.
• 5:24
  And he's not really acting as a Shlihus, as a shliach, but it's
• 5:29
  Shihus Lakhumra. So it is the Alaka, the
• 5:32
  certainly Lakhadkila and the remote we learned in the
• 5:39
  previous SI eve where he says there are some were a Mikkel in
• 5:43
  this case and that's what the shock points out in Kafbaf.
• 5:48
  OK. And it just happens to be This
• 5:52
  is why I mentioned in the beginning, it's a Mahoka.
• 5:54
  So we've shown him how to understand the case.
• 5:57
  That's us Sir. Do we look at it again, it's a
• 5:59
  Homer. Do we look at it as a do we look
• 6:02
  at it the case of the Jew to another as a lova or an Aref
• 6:07
  kablan? But OK, that's just a side
• 6:10
  issue. So let's go on.
• 6:13
  So we're understanding this is a khumra midora Bannan, but that's
• 6:16
  the halacha at least the khakila.
• 6:19
  So it's aser likak nimenu ribit. So now you're allowed to, you're
• 6:25
  allowed to the Jew is certainly allowed.
• 6:28
  The first Jew, it's his mashkun, was basically stolen from him.
• 6:32
  He certainly can demand that the second Jew give it to him.
• 6:36
  The question is, does he have to pay him only the Karen or also
• 6:40
  the repeat that was promised from the goy to the second Jew?
• 6:45
  Question is when he wants to get back as much the first one, does
• 6:49
  he have to pay the repeat of the of the goy?
• 6:53
  So let's read. So he said it's us.
• 6:58
  Yeah, it's I'm not going to understand.
• 7:01
  Ask, please ask me after. It's going to take me a while to
• 7:03
  help. What you're what you're saying
• 7:05
  I'm a little bit slow. It's hard enough to to read the
• 7:07
  words inside. OK, so it's also the Kakumenu
• 7:10
  repeat. So as you're not allowed, you're
• 7:12
  not allowed. The second Jew is not allowed to
• 7:15
  take repeat from the first Jew. However, now again, this is all
• 7:21
  Le Khadhila or maybe Bidyevit, at least according to the
• 7:24
  shalkhanarath. But this is Ali Khumra, I mean
• 7:27
  der Abano that we keep right. The cases I think start in the
• 7:31
  Rishoni, this Ribis case in this, in this.
• 7:36
  If the case that we created over here is only Ribis der Abano
• 7:45
  because it was really done between a goy and a Jew.
• 7:48
  The good Jew is just coming to get his mashkun back.
• 7:51
  There was never ribis kutsa whatsoever.
• 7:55
  For this, how would it be considered that that it's the
• 7:58
  LOA? Because.
• 7:59
  The first. 2 would be considered an audit.
• 8:02
  So we're saying the first Jew, it's just a technicality.
• 8:09
  You want to call him an Aravanalova, but he's he's hand.
• 8:13
  How is? It not.
• 8:15
  How is it not? What do you mean it's actually
• 8:18
  difficult to be rivas doraisa? Rivas Doraisa is before the loan
• 8:22
  is given, we establish that it's a Jew to a Jew for how much the
• 8:31
  the two Jews were never never knew each other when the first
• 8:33
  loan was started. There was never a first Jew.
• 8:39
  There's just a Jew. So if a if a Jew, no, I'm not
• 8:42
  changing. The case I'm talking in this
• 8:43
  case, right? A guy borrows money from a Jew
• 8:45
  and, and and goes and and set up and he'll pay him.
• 8:48
  He'll pay. Him right, that's the basically
• 8:50
  the case I want to pay off. The guy's loan, can he pay?
• 8:52
  The Can he pay? The there's no Esther there Isa
• 8:58
  between two Jews, unless these two Jews started the loan
• 9:02
  together, it's always going to be Darabani.
• 9:07
  And and then the question is, do we say there's there's
• 9:10
  Schlieglis or not? But anyway, so that's certainly
• 9:16
  the Humrol we say there is. OK, So here, in order, you want
• 9:21
  to get your object back. And he's the other guy.
• 9:24
  He's demanding a certain amount for it.
• 9:26
  I mean, dare I say you're just giving him money for your
• 9:30
  Mushkom? OK, now he can demand money
• 9:36
  back. You know, we're not going to get
• 9:38
  into the whole Khoshin Mishba too much.
• 9:40
  But really he's hired to give it to you.
• 9:42
  Just you know, how much and who's responsible to pay to pay
• 9:45
  for it. That's a separate Sergio.
• 9:46
  But at the end of the day, you want to get it back, you have to
• 9:50
  pay the guys making you pay with, with, with ribis.
• 9:53
  So that's the question. So first we said no.
• 9:56
  However, it's the now again, it's, it's, it's not 100%
• 10:05
  mukhraq, but the couple, there's a couple cool as they were about
• 10:08
  to say. And that's the halacha because
• 10:12
  it's the question is, do we say they're schlihos or not?
• 10:15
  The Imakhyutakov very beat Ino al hamash kundabad al a gam al
• 10:20
  hagoy mutter. So we don't if the the only way
• 10:25
  to get your money back is through the mash con and that's
• 10:28
  what the first Jew is collecting from the second Jew.
• 10:31
  So the whole loan is completely dependent upon this mash con and
• 10:36
  now he's paying rebate on it. So we say it looks like you're a
• 10:41
  Shalia and therefore and you, you took the place of the goy
• 10:47
  and now as you want to pay repeat through the mashkon.
• 10:50
  So then we say it's a problem. We say it's Asar mederabana.
• 10:53
  But if the, the responsibility to pay the loan back is
• 11:03
  regardless of the mashkon, the mashkon is just there to make,
• 11:07
  you know, between the first Jew and the goy, just to make the
• 11:10
  goy feel better. He'll never just just in case he
• 11:13
  never sees the money. OK.
• 11:16
  Or actually it's really, I'm sorry, it's really between the
• 11:19
  2nd 2:00 because that's what we're really concerned about the
• 11:22
  loan between the second Jew and the GOI.
• 11:25
  If regardless what happens to this mash gun, the GOI is higher
• 11:31
  to pay back the loan and the interest and there's nothing to
• 11:34
  do with the mash gun. The mash gun is just to help as
• 11:37
  a as protection if he doesn't pay you back.
• 11:42
  But even if the moshkon disappears, he still has to pay
• 11:45
  back the loan. So as long as they're they're as
• 11:50
  long as it's part of the responsibility is on the go
• 11:54
  himself to pay it back. So then it's mutter because then
• 11:59
  it's not 100% through the loan again, it's partial, but it's
• 12:04
  not on. It's not the same level and
• 12:06
  therefore it we're not. So we say it's OK.
• 12:08
  Vahen IMA yisra mushkan Loya dasha goy mashkin rozelle
• 12:14
  emotional biad Israel mutter la kabala Cairn verybeat miyad ah
• 12:20
  Israel. The other thing is when the I
• 12:28
  believe it's referring to the first when the goit took the
• 12:31
  mashkun, he goes into his property, takes the mashkun from
• 12:35
  the original, the first Jew. At that time, the Jews had no
• 12:40
  idea that the guy was thinking maybe I'm going to use this
• 12:44
  because really why the mush why the guy lent him the money and
• 12:47
  then later he comes back a week later and he grabs an item.
• 12:50
  Why is he doing that? Because the guy needs money now.
• 12:52
  He lent the money, but now he needs more money back and the
• 12:55
  guy is not ready to pay him back or he's not paying him back.
• 12:58
  So he needs a way to find to get a second loan.
• 13:01
  But if the first with the first Jew knew that the guy took the
• 13:06
  mush going in order to to make to get another lone Barabbas,
• 13:10
  that's when we say there's this sleekless Lahoma Durabanam.
• 13:15
  But if the first Jew never knew about it, so then we say you
• 13:18
  don't look like a Shuliac. You didn't know you were Kiilu
• 13:21
  becoming a Shuliac. You had nothing to do with it.
• 13:24
  It's just a whole separate brand new transaction between the guy
• 13:26
  in the the second Jew and therefore it happens to be
• 13:30
  mutter. OK, that's the that's the way
• 13:35
  the halacha was set up. OK, Haga, so that works.
• 13:38
  That would. Mean that Yeah, very simple
• 13:41
  case. Goy borrows money.
• 13:44
  From the Jew goy borrows money from a Jew and.
• 13:46
  Then a different Jew comes along and says I'm gonna pay off this
• 13:51
  this guy's loan. Nothing was.
• 13:58
  Set up in the event. I mean, now it pays a liquidity.
• 14:02
  Is that? I don't know.
• 14:02
  Let me think about it. Yeah, Let's ask him.
• 14:07
  After Hagar Israel. Shekhayev Lagoi kov al repeats.
• 14:14
  Maybe this is your case. You sell Shekhayev Lagoi.
• 14:18
  No. So a Jew borrows money and now
• 14:23
  he has Hayev money with Ribis to the goy.
• 14:28
  OK. The Jew borrows from Migoy and
• 14:31
  now he owes Ribis to the goy, The Hagoy, and now the goy comes
• 14:39
  along and he sells this IOU notes which includes which,
• 14:44
  which is the Karen and then there's going to be Ribis
• 14:49
  afterwards. For the time the Taz points out
• 14:53
  any Ribis until now is the mutter to to take.
• 14:59
  We're going to keep reading, but I'm just throwing that in there.
• 15:02
  It's any ribis that's acquired after he sells the Cove, because
• 15:07
  before the Cove and before the guy sells it to another Jew,
• 15:13
  it's all mutter ribis. And really what he's doing is
• 15:16
  just selling the Karen becomes bigger for all tents and
• 15:21
  purposes. There's no, there's no ribis
• 15:23
  between. The only problem is with the
• 15:26
  Ribis that's afterwards, OK everything before just look at
• 15:30
  it as a bigger brand new, bigger Karen.
• 15:32
  So fine, the future Ribis is what I mean, IEM hagoi Makabola
• 15:44
  Ribis, the national Hassani and mutter if it's done in a way
• 15:49
  where he sells the Cove to another Jew and the goy, it's
• 15:57
  the goy's responsibility. And he's, he's allowed to
• 16:00
  continue taking ribis from the first Jew.
• 16:04
  And if the goy tells the other Jew don't the new Jew, don't
• 16:09
  worry, I'm going to give you extra ribis because I'm going to
• 16:11
  keep on collecting from the I'm going to give you ribis because
• 16:14
  I'm going to keep collecting from the Jew.
• 16:17
  And between them, the new Jew, the second Jew and the goy, they
• 16:21
  say they agree to it then. But the first Jew has nothing to
• 16:27
  do with the second Jew. He's only paying ribbits to the
• 16:30
  goy. So that's what the avao aserli
• 16:34
  yiser al hashini al kablo miyada rishon rishon Homer rebeat.
• 16:38
  But any new ribbis that builds up after the sale, the one Jew
• 16:44
  cannot pay that ribbis directly to the other Jew.
• 16:47
  OK, hope that was clear. Let's do Yidala in mieser al
• 16:53
  Hashmashkanala goy lilvos all of baribis la Osmo.
• 16:58
  OK, just in short, I'm going to tell you basically my
• 17:02
  understanding is Yud and Yudalif is basically the same, but the
• 17:06
  main difference is in Yud the Goi took the Mashgun against as
• 17:11
  well. And you see that in the Shah, in
• 17:14
  particular, Kafav and Kafka, if the but in the case of Yudalif,
• 17:22
  the the the Jew gave the Mashkun willingly with the Kenyan and he
• 17:29
  basically became the the goy, the who's the logo and he can
• 17:35
  use it for whatever he wants. In the meantime, they made him
• 17:39
  like a Kenyan so he can use it. OK, Umashko hagoi mutterly Sir
• 17:45
  la havoc lagoi. I love Baribis.
• 17:49
  So now it's there's no problem whatsoever for the goy to take
• 17:53
  this mash gun, which kilu is his.
• 17:56
  He's supposed to give it back, but it's it's considered his for
• 17:59
  now. He can take it and now give it
• 18:02
  to another Jew to borrow more money, right?
• 18:05
  He lent out money to the first Jew.
• 18:07
  Then he goes to another Jew, he gives him the mash gun and he
• 18:10
  wants to take a new loan. But Philo halakhla goyu perea
• 18:16
  yisahabala mash gun Karen, the ribis mutter and it's mutter we
• 18:23
  don't. And and now the second Jew, the
• 18:24
  first Jew, when he goes to the second Jew to Co collect this
• 18:28
  moshkam that you know, it seems like there's a little bit of a
• 18:30
  default over here and it's he's never going to.
• 18:32
  He's not the first Jews. Never is going to is not going
• 18:35
  to get his moshkam back from the goy, but he wants it back.
• 18:38
  So he goes to the second Jew. He's allowed to pay him off with
• 18:42
  Ribis because this first Jew and the second Jew, there's nothing
• 18:48
  between them. It's as if he's just it's like a
• 18:51
  regular sale, a new makhira from from Makhatila.
• 18:55
  It's not he's not looked since it wasn't it wasn't his Mashiko
• 18:59
  and he gave it away to the goy. It's not look like he's a Shalia
• 19:03
  now coming to OK with the loan. This looks like a brand new.
• 19:10
  We look at it as a brand new purchase.
• 19:13
  Fine, so it depends. The first case was I think you
• 19:20
  would call that a one off with the Schlico Sukhoma.
• 19:22
  I don't know Haga of all you call Lisko lagoi mashkun aye de
• 19:28
  Aker le man de Amar. Oh, what did I say?
• 19:33
  What is that code? That's the code.
• 19:34
  Lagoi mashkun aye de Aker le man de Amar.
• 19:37
  All right, so that's a whole nother sigir.
• 19:41
  If you if you can use somebody else to be Zolka for or Mizaka
• 19:47
  to a with a Goi for a Goi or you have to do it directly from the
• 19:51
  the Jew to the Goi. So if you hold you can't.
• 19:54
  So then make sure you don't do it indirectly.
• 19:58
  OK, it's just well, caveat there.
• 20:00
  The IE ma Goi Anas the inner Rosa lifts out Hamashgun
• 20:04
  Ulhasira Labala. Now if the Goi takes the Mashgun
• 20:09
  and he doesn't want to return it.
• 20:12
  Sari khisa hamavali tin lifter tamashko Mabelov have Hagoy ke
• 20:19
  gazlan Shihishki. I believe this is going more or
• 20:22
  less on Yud. You see, if if you ever have a
• 20:26
  case where he's basically steals it, he goes against the will.
• 20:30
  So then the second Jew really has an obligation to allow the
• 20:33
  first Jew to to purchase it back.
• 20:36
  And then this, the question is, is you allowed to charge Ribbus
• 20:39
  or not avaal? But that's a secondary issue.
• 20:43
  Avaal Eno Anas if he doesn't do it against his will, If you call
• 20:48
  Bala Moscow lagoi lifto chilo, you call yourself hamal vello
• 20:55
  marlo la Bal devarian didiat. I think he's saying you can't
• 21:03
  force him because he could. The second Jew can say I have
• 21:05
  nothing to I have nothing to do with you.
• 21:08
  You'd on it was your will. You made a Kenyan a deal with
• 21:13
  the Goi with the Mashiko. Yep.
• 21:21
  So the second Jewess is I don't know.
• 21:23
  You made a deal with him and I made a deal with the Goi.
• 21:27
  You have any issues, go to the Goi, the IM ha Goi Anas the ILU
• 21:32
  hayabal liftoto hayat srikuma tetlo below, repeat sari khatet
• 21:37
  gum la Bala mashgun below, repeat.
• 21:40
  Now if the if there was a way to redeem the mashgun back from the
• 21:49
  goy without paying the Rebus, so then when you go to redeem it
• 21:53
  from the Jew, you don't have to pay.
• 21:56
  You don't have to pay Rebus. Not exactly sure, but let's go
• 22:00
  on. Goy Shihishkin Mashhconi Israel
• 22:04
  Zev Hazar Hagoyu Mahali Israel Akar Kishaba Israel leftoto
• 22:10
  sariki teen Lamalva Karen Verybeat.
• 22:14
  So again, this seems to be similar to what we said before
• 22:21
  that once it's done in a permitted way.
• 22:26
  And there's Kila Kenyon, I guess if there's a permitted way and
• 22:34
  he sells it. So then as long as there, you
• 22:37
  know, it doesn't look like you're a Shalia, there's a
• 22:40
  Kenyan. And then the goy is has a
• 22:43
  separate transaction or a deal with each Jew separately.
• 22:47
  It's OK. OK, let's just do you the bet
• 22:51
  Yisrael. Now we're going to call the
• 22:54
  first Yisrael Shimon, Shimon shihelva la goy beribeat al
• 23:00
  mashkon. So the Shimon lends money, he's
• 23:04
  the malva, and he gets a mashkon from the goy.
• 23:08
  Vihar ka Amar alay teina mashkon, the reuven.
• 23:12
  And then what happens? The malva wants to collect his
• 23:14
  money, but the goy says I don't have money, I can't pay you back
• 23:19
  right now. So I tell you what, take the
• 23:22
  mashkon, give it to Reuven and Reuven will lend you money.
• 23:27
  OK, So our taina mashka nuruva. And the guy says take my mashka
• 23:30
  and that you have give it to Ruben's going to give you the
• 23:34
  money. And so that's what happened, not
• 23:38
  on a mashka and Ruben. So he gives the mashka nuruva,
• 23:43
  basically he's giving it over to him.
• 23:45
  Vera uvin Ek vamas biado akar Mahira Tamashka.
• 23:50
  So basically it's like a transaction.
• 23:52
  He sells it, sells it. Now the mashkun is not in
• 23:55
  Shimon's possession now. Now he's giving it to Uvain.
• 23:59
  Reuven's supposed to pay him. And then there's a little issue
• 24:02
  between Reuven and the goy, but that's their issues.
• 24:05
  So what happens? You gave the mashkun to Uvain.
• 24:09
  Reuven's supposed to give you the money right now, but after
• 24:12
  Uvain takes your mashkun, he's going to use it now.
• 24:16
  Then he says I tricked you. I don't have any money right now
• 24:18
  either, and Ruben says come back to me in a week, in a month, in
• 24:22
  a year, whatever. He pushes him off.
• 24:24
  So now the you Sir Al Shimon, who's the the Malvet doesn't
• 24:29
  have his money and doesn't have his mash gun and he basically
• 24:32
  now there's he lent out both. So what happens the Malvet,
• 24:37
  which is Shimon Toveya repeat Atchievi maota viado.
• 24:42
  So now Shimon says, you know what, from now on Reuven you owe
• 24:46
  me. Repeat now for all this time
• 24:48
  that I'm waiting for you, the Hagoy, Eno Rotse, Litaine, Yuter
• 24:54
  and the GOY is not going to want to pay the rebate because Ruben
• 25:01
  has the mash gun, Yahoo ha malve, Lito Kohar, repeat.
• 25:06
  So really though, the Malvet is allowed to take all of the
• 25:10
  repeat on this, right? This, this extra time, he's
• 25:14
  waiting to get his money back. That's what we call Agar nattar
• 25:18
  hamtana. You're just waiting to get your
• 25:20
  money back. So it's ribis darabanan.
• 25:23
  You're allowed to collect that, but not from the Jew, from the
• 25:28
  goy. If you collect it from the
• 25:29
  rouven, that would be ribis darabanan.
• 25:32
  You're allowed to collect it from the goy because you had an
• 25:35
  arrangement, you really made a loan with the goy and the goy is
• 25:38
  allowed to to pay the ribis. There's no problem.
• 25:41
  Vima Goya khofa trubin la FRA rebeat bishwil Shi Ike manafka
• 25:47
  le Mina. And then right we should.
• 25:51
  We don't care about that. Now Reuven and Shimon have no
• 25:54
  issues. They don't have nothing to do
• 25:55
  with each other, nothing. And it's all but it's two
• 25:59
  separate transactions. The goy is going to give rebeat
• 26:02
  to Shimon, and now and then the goy is going to chase Ruven to
• 26:07
  get his rebeat. And then everyone's in good
• 26:09
  standing and everyone are friends.