Latest / SHULCHAN ARUCH YOMI: Own the Halacha in 25 minutes a day! / Yoreh De’ah 166:2-167:1. Interest: Lender Not Living In Borrower's Property During the Loan, Reduction of Repayment; Loan Vs. Investment

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Yoreh De’ah 166:2-167:1. Interest: Lender Not Living In Borrower's Property During the Loan, Reduction of Repayment; Loan Vs. Investment · SHULCHAN ARUCH YOMI: Own the Halacha in 25 minutes a day!

• 0:04
  Yeah, OK, good morning. We are in Simon Kusamakov up to
• 0:09
  sit Bays Amarley, Helveini, Vidora Kateri.
• 0:13
  Now, if someone says, listen, you know, you lend me money, you
• 0:16
  can stay in my, you know, you can stay in my house, E Kaimala
• 0:20
  Agra, if it's a place which you can be normally rented out,
• 0:23
  meaning he, you know, he he rents it out, rented room,
• 0:27
  whatever it is. That's how much that's
• 0:31
  considered that it's Ulster because he's giving him extra
• 0:36
  even such as, OK, I'll let you give me back, you know, give me
• 0:39
  back an extra 200. But this is even letting him
• 0:44
  stay there is giving him, you know, free, free rent or is
• 0:49
  considered giving him something. And it's totally on Halvaney.
• 0:53
  He says Halvaney and I'll give it to you.
• 0:55
  It's part of the it's part of the the loan, the ELO Kaimala
• 1:00
  agro, how we evacrimus. However, if it's not Kaimala
• 1:02
  agro, it's just, you know, he says, listen, I'm going to wait
• 1:04
  for, you know, you can come stay.
• 1:06
  I have a room in my house. Come stay in the room of my
• 1:08
  house. You know, you know, it's in
• 1:11
  Italy. It's not a place events out.
• 1:13
  It's considered evacrimus because the question he's
• 1:17
  getting from him. So therefore it is, it's not
• 1:21
  straight money, but it's it's something.
• 1:23
  So that's considered Evacrimus. I'll go if it's knocking off.
• 1:32
  Yeah, if it's not more, but this is in addition, it's all in
• 1:35
  addition. I'll go, but stop.
• 1:38
  That's only if he just says that about if he says to him, listen,
• 1:45
  stay in my culture. You'll stay in my house, you
• 1:49
  know, because you lend me money. You know, I feel a little kind
• 1:53
  of like Agra, right, You know, because you lend me money.
• 1:57
  You're such a great guy here. Listen, you know, we'll stay in
• 2:00
  my you know, give you this for free.
• 2:02
  Even, you know, even though I don't usually rent it now it's
• 2:12
  you know, so if because if he says, you know, because you lend
• 2:19
  me money, you know, for the, you know, so then it's as if he's
• 2:23
  renting it to him right now, even though he's usually rented.
• 2:26
  It's key. He's making this into a rentable
• 2:28
  space and he is giving him something extra for free.
• 2:40
  It's just as opposed to the he's saying that it's like it's kids
• 2:45
  like the first case of the it's two options.
• 2:49
  It could be like the second case of Mahab or the first case, the
• 2:55
  first. Yeah, yeah, yeah, yeah, yeah.
• 3:00
  The the condition over here is that look Carmel Agra.
• 3:03
  But since he says it's this, this car makes it into makes it
• 3:10
  into Hilu doesn't make it. He makes it into Hilu.
• 3:13
  It's Kaimer Lagravim Helveyu Vaakras Montabajovo.
• 3:18
  If he lends him money and after and later on he you know, he
• 3:22
  says OK, leave me my money, but I'm allot I'll leave it.
• 3:26
  Listen, you know I don't, I don't have the money.
• 3:28
  But you know what, I'll let you stay in my stay in my apartment,
• 3:33
  you know, in the meantime. Yeah, I'll say it's only evac
• 3:42
  Ribis because it wasn't done at the time of the of the loan.
• 3:47
  The issue, I mean, that's straight Husha Yomer locating
• 3:53
  Bishasha Marviya close von because the question here, the
• 3:57
  question is when he's Marviya, when he extends a lot to listen.
• 4:02
  Fine. It won't collect now, is that
• 4:04
  considered whether it's considered a new loan?
• 4:09
  It's all based on the moral condition, I think, but it's a
• 4:13
  it's a it's a mahogas about whether it is considered a new
• 4:17
  loan. So therefore everybody has to be
• 4:19
  something which is said the Shasta loan right when they're
• 4:23
  when they're lending the money. So even if you didn't give the
• 4:25
  money, so some say that, well, he didn't give the money.
• 4:27
  So it's only a vacuous and some say no that since you'd be
• 4:31
  Marvius Van, you're you're giving him a lot of extension.
• 4:35
  So that is considered like a new loan and therefore it was Tutsa,
• 4:39
  a girl who was in behold with Shabala Adam Delo cuts us with
• 4:43
  Trila Ish Mahalika Zoo in he evacuate, evacuate.
• 4:50
  And this is the by any case of where someone gives an extension
• 4:54
  and well, because he gave me the extension or you know, either of
• 4:57
  the model says, well I'll give you an extension if you let me
• 5:00
  do this or the lovers says don't give me an extension.
• 5:02
  I'll I'll give you this or let you use my car anything like
• 5:05
  that, then that's going to be well, Yeah, right.
• 5:19
  Or evacuates give up when you have a case of it's a vacuum.
• 5:23
  It's some he's living in in his apartment, whatever.
• 5:27
  Or his house, right? Yeah.
• 5:29
  I mean, Shafilo in Loparo a dying.
• 5:33
  Some say that if he didn't pay him back yet, the Tovella leave
• 5:38
  it. She and Akalo Mikharova, she
• 5:40
  says, listen, you know what? Just, you know, you stayed there
• 5:44
  for free. I didn't rent it out.
• 5:45
  Just take it out. We'll just call it even, right?
• 5:48
  Loma Keenan Lee. We don't.
• 5:49
  Some say you don't you don't you don't you don't you don't deduct
• 5:53
  it. You show your name de Mancini
• 5:55
  and some say that you are you do deduct it.
• 6:03
  Well, the question is, can you force can you force the issue
• 6:06
  and the love will force the issue and say, listen, you took
• 6:08
  a look at in so therefore, you know, so therefore we're going
• 6:11
  to just deduct it and call it even It's the hugs in the Gemara
• 6:15
  Benson about the it's called the it's looking how whatever it's
• 6:22
  question is is just, you know, evac ribbons.
• 6:25
  Can we say can the guy, you know, he took it?
• 6:29
  He is not. It's not hard to go ahead and
• 6:30
  give it back to other days. Shamaya.
• 6:31
  So the question is here telling him, OK, this heal you took it.
• 6:35
  Let's just call even is that called heal you took money and
• 6:38
  that has to be multi money for the person who took evac
• 6:41
  ribbons. So saying, OK, that was your
• 6:44
  loan. Is that called, Is that called
• 6:48
  Kilo? You're taking money away from
• 6:50
  him because right, right. The difference is.
• 6:58
  That it's before you actually hand it over.
• 7:02
  To so now, well, no, he well he so can.
• 7:06
  We force it now. I assume that's the whole point
• 7:10
  of this. Right, right.
• 7:12
  The question is right, You haven't handed anything over the
• 7:14
  but also the question popping the bottle say, OK, you're
• 7:18
  right, I shouldn't have taken it, but but you still owe me
• 7:20
  money, right? You know, you can't just
• 7:23
  suddenly switch it on me. It's a it's a focus says that
• 7:30
  that that we pass in like the that we do.
• 7:35
  We do pass in like the second second and therefore and
• 7:41
  therefore we would be not care Misha Kibo Moss the halva me
• 7:44
  echoed someone who borrows money.
• 7:48
  We got Loman in Beno. He's a tutoring, he's rabbi.
• 7:51
  He's rabbi in the you know, the teacher is rabbi in the in the
• 7:57
  in the school, the gate or whatever.
• 7:59
  We got Loman in Benova hits the emo sheet in the Mishum ZE.
• 8:06
  So I forgot to have a nice little hotel below about.
• 8:12
  He says, listen, you know, pay for my transportation or you'll
• 8:16
  because because, because I lend you money.
• 8:18
  You'll you know, you'll you'll pay something materials,
• 8:22
  whatever it is, you'll pay extra.
• 8:24
  You'll pay, you'll pay for that. I forgot to have a nice little
• 8:27
  hotel below about even though she was Shalom and even though
• 8:31
  he would, he would give him money, give him the extra, you
• 8:34
  know, whatever the hotels are without without a without a loan
• 8:39
  because he's learning with his son.
• 8:40
  He also the mother, the the the the Rebbe.
• 8:48
  The Rebbe is the mother, the teacher is the mother and he
• 8:51
  lends the father money right now and he and he's learning with
• 8:55
  the with with, with, with, with his, with his son.
• 8:59
  So the question is now the low, the now the low is the father's
• 9:02
  going to give him extra hotels, transportation out of whatever
• 9:05
  it is, bring him up a bagel and coffee from from the store or
• 9:10
  whatever it is. You know, he would give it to
• 9:12
  him anyway because he has a connection.
• 9:14
  He's, you know, learning as his son.
• 9:15
  But still, it's sort of like the idea of Dorba Khatse, right?
• 9:18
  It's giving him extra Hana. So the extra even though he
• 9:21
  could have would have could he would have given to him anyway,
• 9:23
  but doesn't make a difference. I feel hockey also like Elvania
• 9:27
  Dorba Khatse, right? It's it's it's it's it seems to
• 9:29
  be it's connected connected to the Hava.
• 9:32
  They also feel a little kind of lagra.
• 9:34
  Even if it's not something that usually you would do.
• 9:37
  It's still also if they connected to the to the to the
• 9:39
  loan. But who are they in the whole
• 9:41
  creative? Is there any any any situation
• 9:44
  like that? Me in this in her mouth with
• 9:46
  their Matana. However, if the father gives him
• 9:51
  this, this extra money, Derek Matana, the mute, it's not the
• 9:59
  model that was the Rebbe over here said he says he you know,
• 10:03
  the here's money, here's gas money, right?
• 10:06
  Or you know, and, and the lover doesn't, you know the but the
• 10:11
  guy, the model says, listen, you don't have to give it to me.
• 10:13
  Now. The lady Shalom, though, it's
• 10:16
  like, it's OK, you don't have to give it to me.
• 10:19
  Now. Even later on, he's going to pay
• 10:23
  him for his transportation, let's say, or something like
• 10:26
  that. OK, what's going on is, is that
• 10:31
  we we said, OK, I'll give you news in the cases the Rebbe and
• 10:34
  he's paying for, he has to pay him for transport, for his
• 10:38
  transportation, right? OK, so we said that's that's a
• 10:41
  problem of Rebus. However, if he if instead of if
• 10:45
  it's not done but or a few meaning he, he if he when he
• 10:49
  gives it, he says he's like he gives he gives the the Rebbe the
• 10:54
  money, this extra money and the Rebbe says, listen, you know, if
• 10:59
  you don't have to give it to me now, keep it if you want it's
• 11:03
  done. So then it's been done.
• 11:04
  A tourist in Montana. Not that not that it's like
• 11:06
  either. OK, I have to give you a time to
• 11:08
  pay you for this, for this transportation he has.
• 11:14
  He has says you don't have to alone.
• 11:16
  The labor has a choice to take it back.
• 11:19
  If you show him the money, he'll yeah, you listen, I'm ready to
• 11:23
  pay you right. So then, then he can take that.
• 11:27
  He gets to put it. Yeah, he gets to put it on the
• 11:29
  table. Whatever you can take it because
• 11:31
  it's Patoras, A Matana and something he was going to give
• 11:33
  him anyway. You know that even if he knows
• 11:35
  he's going to give it to him anyway, Don't, don't give it to
• 11:37
  me. Now.
• 11:38
  You know, it's still, but it's Mataras.
• 11:42
  It's considered a Matana and therefore it's not meaning is a
• 11:50
  situation where it's it's he had he has to load.
• 11:54
  And like I said, no, I don't want to let you stay here.
• 11:56
  No, no, we agreed, right. But in the case where the case
• 12:01
  where you know, he refuses the guy that you know what, then
• 12:06
  then you know, he gives him the option.
• 12:08
  He has the option to to to refuse to do it.
• 12:12
  So whatever. So then that's then that and
• 12:15
  then he give and then he and then he does.
• 12:16
  That's not considered ribbons, Misha and the turf, the Labos
• 12:20
  most of the topics Malvet someone who only needs to let
• 12:26
  you know borrow money for the good of the Malvet.
• 12:29
  I really like Binet the Horbazoo said the case is the you know
• 12:36
  the he says there's a building. I'll build up this this house
• 12:39
  for you home. I should take the Ally, the
• 12:42
  Shalin the car and the you know the guy the guy says here the
• 12:48
  guy the guy the guy he hired someone to listen build this
• 12:51
  house and anything, any any of your anything you put out for
• 12:55
  it. I'll I will pay you.
• 12:57
  I mean so the guy building it is kilo, you know, lending you know
• 13:02
  it's kilo. You know you're lending him
• 13:04
  money because when she ain't in the guy who was telling the
• 13:08
  builder to build this is this. As long as they don't pay you
• 13:11
  Dora Machina, you could stay. You could, you built the house
• 13:14
  until I pay. You could just stay there.
• 13:17
  You can just stay there. Burkina Mutter oil, the
• 13:19
  Incanova. It's mutter over here because
• 13:23
  there's no, there's no, there's no Hova.
• 13:28
  I say the Tobin to Marvel. There's no real Hova over here.
• 13:32
  It's even though the Marvel says, even though the Marvel
• 13:34
  says, listen, build the house. I'll pay you back for, you know,
• 13:38
  I'll pay you back for whatever hotels and labor and everything
• 13:41
  like that. In the meantime, you can stay in
• 13:43
  the house. So in that situation the the
• 13:47
  whole thing is to tell us the the model there.
• 13:51
  It's just like, really, the builder should be getting paid
• 13:55
  incrementally every time he has. Anyone saw it's?
• 13:57
  Just it's easier for accounting to just give him one bill at.
• 14:00
  The end. Is that what we need?
• 14:01
  Right? Right.
• 14:01
  The model. Right.
• 14:02
  Right. Basically, the model.
• 14:03
  The model wants his house to be built.
• 14:05
  Right? The model wants his.
• 14:09
  The model, the model. The model.
• 14:11
  The guy wants someone to build a house for him, right?
• 14:15
  And so he says fine, he built, he says build the house and I'll
• 14:19
  pay you back. I'll pay you at a later point.
• 14:22
  Build the house and and which Stanley is fine.
• 14:25
  You'll have to pay someone later.
• 14:27
  That's the problem. That's sort of.
• 14:29
  But that's that's OK. It's a Mecca.
• 14:31
  The problem over here is he's telling, OK, I'll stay in the
• 14:35
  you know, you, you could just get to stay there for free.
• 14:38
  So is it the same thing as Albani or not?
• 14:42
  And the answer is that's not a real halva.
• 14:45
  Because it's a real bar, Because he's because he's hiring him,
• 14:49
  because it's it's called the, the, the, the, the, the
• 14:52
  tobosomalva. That because he wants him to
• 14:56
  build the house, He wants a house built.
• 14:59
  He hires someone to build the house.
• 15:01
  No, the malva. Yeah.
• 15:05
  He's hiring someone to build. He's hiring a builder to build
• 15:07
  the house. He's just I'm going to pay I'm
• 15:09
  going to pay you in a year, you know, when you finish it.
• 15:12
  In the meantime, you can stay, you can stay there.
• 15:14
  So the whole thing wasn't it wasn't it's not it's not, it's
• 15:17
  not when was the worker right, right, right, that's right.
• 15:23
  I pay you. I think the.
• 15:25
  Benefit I'd be willing to pay. You all the expenses.
• 15:29
  There's no real here at all. It's just it's easier to to
• 15:33
  tackle up all the expenses. And pay the function so.
• 15:36
  That's why when you're looking at there is no money.
• 15:39
  The money's coming up, Right, Right, right, right, right.
• 15:42
  The case over here, you're right.
• 15:45
  Because the shock makes a difference.
• 15:46
  So the case over here is where the the builder also needs a
• 15:49
  place to stay. Yeah.
• 15:51
  Yeah, that. Yeah, Yeah.
• 15:52
  No, the build that's to say he's say build the house.
• 15:55
  Because I'm not when you say. The top salon, he's like.
• 15:58
  I'm not borrowing money because you need to lend.
• 16:02
  Out your money, but yeah, no, no, no.
• 16:04
  The case the case over here is also with the shock points out
• 16:06
  if it's it was at the the point over here is the model that the
• 16:10
  guy who tells him to build it is as a freshman and the lawyer
• 16:13
  needs a place to stay. He doesn't have a house.
• 16:15
  The mall is the builder. Sorry.
• 16:18
  The you're right, right. The mall.
• 16:19
  The mall is the builder, correct.
• 16:21
  OK, OK, one second. Yeah, yeah.
• 16:25
  The mall is the builder. The mall is the builder, the
• 16:28
  Loyva is the guy who hires correct.
• 16:30
  Lova hires the model. The model does work for him.
• 16:32
  So the Lova, he was hired to pay him.
• 16:35
  But yeah, yeah, yeah. So the so therefore, therefore
• 16:42
  the Lova is doing is telling him build the house.
• 16:45
  The guy has a house to live, right?
• 16:47
  This guy, he has no place to live.
• 16:48
  He's like, listen, I have money to go ahead and and and and the
• 16:52
  rental other guy. Listen, go ahead build the house
• 16:57
  and I'll pay you later, right, I'll you'll do the work and I
• 17:00
  will pay you later than me until I pay you.
• 17:01
  In the meantime, you have a place to live, right.
• 17:05
  So that's the so then so then so then that's OK because of the
• 17:09
  whole bus. It's almost the model there.
• 17:11
  So you need just to stay there. It's not really it's not really
• 17:13
  a the shock points out. However, if the if the lover, I
• 17:17
  mean the guy who's hiring him, Taka needs a built, he needs the
• 17:21
  house built. In the meantime, you stay there.
• 17:24
  Then it is Taco problem with rivers, But that that's when the
• 17:27
  loan is not only for the for the for the help, you know, to help
• 17:30
  me the guy out. You know, so so do any any hava,
• 17:34
  which is kilo like a stucco type, like you're helping the
• 17:37
  guy out by giving him a by giving by giving him this loan.
• 17:40
  It's not really a loan. It's more of a stucco type type
• 17:43
  thing. You know, if a guy doesn't need
• 17:44
  it, but call the lawyer doesn't need it.
• 17:48
  He doesn't right. He doesn't need the loan.
• 17:50
  There's no point. Like it's completely no, like it
• 17:53
  doesn't make a difference. He's just trying to help the guy
• 17:55
  out. Start a business right here.
• 17:57
  You know, he's you know, here I'm starting giving you money
• 18:00
  and start start a business. But you know, you use the value
• 18:03
  of all the stuff and whatever, you know, and at some point I'll
• 18:06
  pay. No, I'll pay then I'll, you
• 18:08
  know, I'll pay you for bill for setting the business up, meaning
• 18:11
  he'll you an employee Like it's not it's completely a total some
• 18:14
  of the the worker or could be or could be, it could be he needs
• 18:24
  it. But eventually it's going to go.
• 18:25
  It's going to revert. It's going to be the.
• 18:27
  That's why you could stay for two months.
• 18:28
  You know, when I pay you, you leave and then I have a house,
• 18:31
  then I have an extra, an extra room.
• 18:33
  Yeah. Right.
• 18:44
  Yeah, yeah, OK, fine, fine, fine.
• 18:47
  Yeah, yeah, yeah. Say it like that.
• 18:49
  The kids are if he if he has any Honda, if, if, if the lawyer in
• 18:53
  this case, the person who hires has any Honda out of it, then
• 18:57
  then they get into problems. But if it's just purely lunch of
• 19:02
  the shopping in Bala Korba Zulu, Sir Bala Korba Usser.
• 19:06
  Well, if he built it for the the person who owns the land and he
• 19:10
  has who's hiring him, then then that is a problem.
• 19:12
  Well, it's always. Going to be able to sell the
• 19:14
  Korba for more months. Still, well, that's the thing.
• 19:17
  He wasn't interested in doing it or or it's not or it's not even
• 19:20
  his land. It's like it said say it's the
• 19:22
  lowest. Let's say it's the the workers
• 19:24
  land or he just doesn't have money for materials Whenever you
• 19:28
  play around with the details of it.
• 19:30
  Yeah, OK, yeah, that's just let's let's let's move on to he
• 19:38
  said I'll just read this and Michelle, it's sort of the
• 19:40
  lava's most Raptor was lava. Someone needs to borrow, you
• 19:46
  know, borrow money for Rafa Tavis Malva in order for the the
• 19:56
  the good of the of the Malva. What does that mean?
• 20:00
  The guy says, listen, build this Horva, right?
• 20:04
  Build, build, build this, build up this, build up this place.
• 20:06
  So the whole bunch of Ted seals Lila shall live in any year old.
• 20:11
  So I will, I will pay for that. As long as they don't pay it
• 20:19
  door Baba Kina right. You built it so you can just
• 20:24
  stay there motor. So that case is motor hold.
• 20:28
  It ain't canal. There's no of all in this case
• 20:31
  because the like we said, the, you know, the lawyer who's
• 20:34
  hiring him or telling him he doesn't need, he doesn't need
• 20:38
  this work done for him before, he doesn't need this thing
• 20:40
  built. So therefore there's no right,
• 20:41
  I'll say the right, right. Yeah, it's Stucker.
• 20:53
  It's Stucker. It's Stucker.
• 20:58
  It's a sucker. Is it going to pay?
• 21:02
  For it, yeah. He's a nice guy.
• 21:14
  He's a nice guy. Yeah.
• 21:20
  Yeah, he's doing it. That's not called the whole
• 21:22
  book. It's called stucco.
• 21:23
  That's that's the point. Yeah.
• 21:28
  You could look at it. You could look at it.
• 21:29
  Technically there is a loan over here because he's doing work and
• 21:32
  not getting paid, but that's not called the loan.
• 21:34
  That's the finish. That's the finish over here.
• 21:38
  This will start with some side a little bit mother order the
• 21:42
  Cavaro mother out tonight. She's asking for it.
• 21:46
  We'll do a hot time over here. Someone who gives money to a
• 21:49
  person outside the he's he's miss asking, but the rebel.
• 21:54
  So I'll just give a hot time because we're finishing up over
• 21:56
  here. I'll give a hot time to what
• 21:58
  what ASIC is and what and what Hava is.
• 22:04
  It's Mecca and there's it's called Isca and this guy is a
• 22:08
  business deal where you give a person what's what's called a
• 22:11
  Hatsi build a Hatsi Picado where you, you give someone, you give
• 22:15
  someone money where where he had he has, he has a, he has a
• 22:21
  carrier that you go ahead and invest, use, invest.
• 22:25
  And part of it's a Picado that he has to give back whatever
• 22:29
  however he gave him, he has to give that back.
• 22:32
  No matter, you know, no matter he has, he has to, he has to
• 22:36
  give, he has to give the money back.
• 22:37
  So if it's a hava means no matter what, he is full of
• 22:40
  cries, he has to give everything back no matter what happens.
• 22:44
  Onus doesn't make a difference with the picado.
• 22:47
  So sometimes it sometimes it depends.
• 22:49
  It's like any other Picado is you know, you're guarding it,
• 22:53
  you're watching it. So therefore, it sort of depends
• 22:56
  on what kind of onus it is, is the issue of a phenom is a,
• 22:58
  there's different types of things, different types of
• 23:01
  deals. So when a person gives money to
• 23:04
  someone, this ASIC Bo means he wants them to invest it and he
• 23:08
  wants to get returns from it. The question is, and that could
• 23:12
  also be risk, right? So it gets right.
• 23:14
  So then there's, it gets into a whole, there's a whole general
• 23:17
  thing of a loan. There's a loan is 0 risk.
• 23:21
  A loan with ribbon's interest is 0 risk, right?
• 23:27
  Right. Now you know, So what Hazal is
• 23:32
  going to plays with ISCA is there is a certain amount of
• 23:36
  risk which makes which which then makes it makes it motor
• 23:40
  makes it to rebuttal depending how much risk is taken or not.
• 23:44
  We're that's it's again the actual help the Halafos of
• 23:46
  Isca's later on, but this is the first because you were talking
• 23:50
  about also a case a situation where he gives them money.
• 23:54
  He's out tonight. He's Asik Bo Loreva Kamalva.
• 23:58
  He's he's investing it for his like a broker of some sort.
• 24:02
  He's investing it for the Malva. Actually, he should name my name
• 24:07
  until there are two. He makes he makes he he he he
• 24:12
  double he double S the money. Yeah, but hi, Samalva and also
• 24:17
  Svan huge name on the absolute name on in the Malva Shambhala
• 24:21
  here Coleva. We'll just we'll stop here.
• 24:24
  Just we'll go over it. But just the point over here is
• 24:27
  that he he he gives the money to the to the live there when he
• 24:31
  doubling the money, when he double S the money, then he
• 24:35
  gives he gives the he gives it back to the to the he gives the
• 24:41
  Shenyman into the mall there. When he gets profit of Shenyman
• 24:45
  in that double S more than that triples.
• 24:47
  And then he gives profit of two of two money into the Malda.
• 24:51
  And then from there on he continues with the heat has this
• 24:56
  money in continuation. And that's the question is, is
• 24:59
  that giving him is that customer call giving rivers or no stop
• 25:02
  here?