Latest / SHULCHAN ARUCH YOMI: Own the Halacha in 25 minutes a day! / Yoreh De’ah 160:18-23. Interest: Money of Orphans Or Tzedaka; For Mitzvah Purposes; Currencies; For Work and Favors

Transcript

Yoreh De’ah 160:18-23. Interest: Money of Orphans Or Tzedaka; For Mitzvah Purposes; Currencies; For Work and Favors · SHULCHAN ARUCH YOMI: Own the Halacha in 25 minutes a day!

• 0:02
  OK, we're continuing Rebus kuf samer si if you're khat call
• 0:10
  ribi darabanan mutterbama alt shell utomin.
• 0:14
  OK, so now there's money that belongs to orphans and right
• 0:22
  there's an apotropos taking care of their other assets and so
• 0:26
  belongs to the Utomin ribisk suitsa for them to be the
• 0:34
  Malvet, for the Yatomim to be the Malvet and to to lend out
• 0:41
  money for interests. If it's Ribis de Araisa, then
• 0:45
  that's 100% user, no difference. But Kazal said for Ribis de
• 0:50
  Rabbanan then it's mother Oh Shah Hekdesh Aneem or any kind
• 0:57
  of money that belongs to at Sedaka fund that belongs for
• 1:01
  Aneem. So then you're allowed to use
• 1:04
  that money to lend it out. And one obviously has to be
• 1:11
  responsible with the money of others.
• 1:14
  But anyways, you're lending out money.
• 1:16
  It's 100% motor to get interest for it.
• 1:19
  If it's interest darabana oh Talmatara, oh, it's bait Knesset
• 1:27
  or so depends how you understand this.
• 1:30
  It's either money that belongs to the yeshiva or a bait
• 1:36
  Knesset, or it means it's for the usage of another mitzvah.
• 1:41
  So that's how it depends how you want to, how you, how you read
• 1:44
  it. Again, money that belongs of
• 1:50
  Sidaka and using that money so that Sidaka makes a profit off
• 1:55
  of interest Darabana. So that's what what if.
• 2:00
  But if the money belongs to Sibori, money belongs to a group
• 2:06
  of people and it's and eventually the money can go back
• 2:10
  to the people. So that's not called that then
• 2:15
  it's 100% us or for that group of people to use their money to
• 2:19
  make money out of interest, even though it's only interest are
• 2:22
  Abana. It's only when the Sedaka fund
• 2:25
  or Eutomium are benefiting, not a group of people.
• 2:28
  That doesn't help. But what if it means people you
• 2:33
  told me means Tanium in the sense that they're not able to
• 2:36
  work yet. So it could be thirteen, it
• 2:39
  could be older than 13 until they're able, let's say, I don't
• 2:43
  know, 20-25, maybe nowadays 30, but whatever the age of people
• 2:47
  who are able to make a living, they know how to, I'm joking
• 2:51
  about 30, but whatever the age is that they're able to go work,
• 2:58
  so whatever. More or less than 20, somewhere
• 3:02
  around there, depending. OK, but not 13.
• 3:06
  So then but taking money and lending it out, what if you want
• 3:12
  to lend money for the purpose of a sedaka?
• 3:16
  The you want to take money and lend it out and it's sedaka the,
• 3:23
  the, it's the proceeds are being or the Karen, the principles
• 3:27
  being used for a mitzvah to build a show to build the
• 3:31
  yeshiva. So again we learnt if the one
• 3:35
  who's in the malv is making the money, if the one who's making
• 3:39
  the money is the Sudaka fund, that's mutter by Ribistar
• 3:43
  Abanam. But what if it's a it's an
• 3:46
  individual and he's making a profit, but it's because it's
• 3:52
  for the purpose of a mitzvah. So then we see that the GRA of
• 3:59
  Shokanar Kharab and Aravadi Osif say in Halihad omitsmutter based
• 4:06
  on Yushalmi. This is the crowd here in Mam
• 4:08
  Gimmel based on Yushalmi that it'smutter.
• 4:12
  But the Mishnabura Naraka Sholkhan writes it's it's asser.
• 4:17
  The Mishnabura is in Reishmanabet Sivdala.
• 4:20
  So I'll just do that as a mahalkis.
• 4:25
  I'm not sure, but it was quoted in his name.
• 4:27
  That's a good question. It's probably in Rishabhat also.
• 4:35
  OK, need to look it up. And that's an orachaim.
• 4:40
  OK, let's continue. Haggah the haggah alphaga de ish
• 4:46
  mahamirin the ain't no motor rock a basin.
• 4:50
  OK. So that's it's motor.
• 4:54
  You don't have to have a basin to do it.
• 4:57
  Some are Mahmer, but you don't need to.
• 5:00
  OK, Yesh, I'm a commotion orgim Shabbatrovis Malva Malti told me
• 5:04
  very big suitsa. Now you're going to find
• 5:07
  sometimes that in Apitrovis 4, you told me they don't.
• 5:10
  Once they learn they can do ribis, then they they go all the
• 5:13
  way to Ribis der Isa. So the Rama says uminag tautu,
• 5:18
  that's 100% wrong. You cannot follow that.
• 5:22
  The Kola Petrovis shall say came look in I khoshin mishbat with O
• 5:27
  Salahas IM Nifsal. Hello Barry beat Daraban Ansari.
• 5:32
  Yes, Barry beat Darabanan. We said his mother here.
• 5:42
  So here's where it says a Yasam is considered a Yasam until he
• 5:46
  reaches an age where he's able to make is able to deal with
• 5:50
  money and and make money out of it for Alpha Pisa Kavaru Ben,
• 5:56
  even though he's still 13. Oyel veloigi ella Claude Das
• 5:59
  Miker Yasam even though he has no Das, he's considered Yasam
• 6:03
  the Indian Zet Misha. Now someone's comes to pay back.
• 6:09
  You tell me repeat. So the Rama rights that when you
• 6:26
  come to the Atomium it's a it's a question Chronium Shah taz.
• 6:32
  Is it dafka atomium or not? So basically, well anyway, so
• 6:37
  the Rama writes when you come to the Atomium and you and you say,
• 6:40
  but I already paid you part of the money through through ribis.
• 6:45
  So then we believe the Yassam if he says he never got anything
• 6:50
  and he does not need to make a Shiva.
• 7:00
  I believe he's I think it depends if it was depending on
• 7:05
  the case, it was the Isis or Abanon.
• 7:08
  It's just the point that that's not each case is individual, but
• 7:12
  the the point is he has the the Yasam has an Amanos and he
• 7:16
  didn't get paid. If you don't specify how much,
• 7:26
  any case, I mean any case of Urbis Durabano, any case of
• 7:31
  Urbis Durabano, OK, Sabas, Ribis Durabano, whatever.
• 7:39
  Lots of cases whenever it's not stated before and there's no
• 7:43
  guarantee of how exactly how much you're going to earn.
• 7:46
  If it's, you know, a moving target depending on variables,
• 7:51
  that's that's Ribis Durabano anyway.
• 8:01
  So the Shah also points out if a person's even a ghuddle and his
• 8:05
  his parents passed away and he doesn't know how to make a
• 8:08
  living yet. So then he's also considered a
• 8:11
  yasam for this immediate time. If if a child has parents who
• 8:18
  don't want to support him, that's not called a yasam.
• 8:22
  And and Almana's not called a Yasam for this din.
• 8:26
  Women have to women make a living.
• 8:28
  So it's women are able to work. That's not a awesome here.
• 8:38
  I'm just going to point out, you know, I think we're going to see
• 8:43
  it later on. But there's a phrase here.
• 8:46
  It's mentioned here in in the post game, but it's just it's I
• 8:49
  believe it's going to come on later on, come up later on.
• 8:52
  Karov Leskar Virako Lahefsid. So that is a case of Ribis
• 8:58
  Darabanam. That's when you're you're for
• 9:02
  sure. Oh, basically it means you're
• 9:04
  for sure going to make a profit, but the amount might not be
• 9:09
  clear and you're for and either you're for sure not going to
• 9:14
  lose or it's extremely unlikely that you're going to lose.
• 9:17
  Normally when you're a Shutov, then everyone shares all the,
• 9:22
  all the risks, but if the, if it's not a normal risk of
• 9:26
  shutvas, so then that could be again, depending on the case.
• 9:32
  When we say Karl Buskarva Rachel klapsed, we're talking about a
• 9:35
  case of ribis durabanam. If you're for sure they're not
• 9:39
  going to make, if there's no risk to the Malva whatsoever and
• 9:42
  then you're for sure going to make how much you're going to
• 9:44
  make, that could be ribis duraisa.
• 9:46
  But anyways, that phrase Karl Buskarva Rachel klapsed is ribis
• 9:50
  durabanam. OK, I think we'll go on.
• 10:01
  I'll just sum up the bear. Hey, Tip has a nice short
• 10:03
  summary. The Shah writes at this halakhah
• 10:08
  of a yasam applies to everybody and the taz says it argues with
• 10:16
  the halakhah and he says everyone has to bring up proof.
• 10:19
  OK, anyway, let's go on to the next UTET.
• 10:24
  Apatropos Sheilva malti Atomi Mary beat Katsuza.
• 10:28
  Now what if the apatropos he lends out the money from the
• 10:31
  Atomi with ribis katsuza? So you're not allowed to right?
• 10:34
  IM Haloven Natal Kokak Reba Kamoshihitun Alam Kayev Litaine
• 10:43
  Alam 'cause even though he's not allowed to do Ribis Katsuza, if
• 10:51
  he took the money, even if he didn't take the money, yet the
• 10:58
  Lova still has to pay, he's still higher to pay.
• 11:05
  As long as he still has to pay the Yasomim, even though it's
• 11:08
  Ribis Sutza because he agreed to it and it wasn't it's not real
• 11:14
  ribis de Araisa because the Yasomim weren't involved.
• 11:19
  The so it was you had an agent. The apatropos is working for you
• 11:23
  as an agent. So normally we see on Rebus
• 11:25
  suits you're not allowed to collect and you'll say, but the
• 11:29
  young man, if you took it, the basin takes it away from you.
• 11:32
  But here we're talking about an epitropus with the eosomium and
• 11:35
  the epitropus did all The Dirty work for the eosomium.
• 11:38
  So therefore and and the and the lobe agreed to it.
• 11:42
  So then you still hire to pay. So again, it's a mahogas how
• 11:47
  much you have to pay the Shalkhanarak rights you pay how
• 11:50
  much was agreed upon. As long as the the lobe made a
• 11:55
  profit, you're not allowed to do it.
• 12:05
  Oh, so that's a separate case. We're not going to do a total
• 12:08
  Khazar in that one, but that's what and everything is through a
• 12:11
  shilia. But that's a separate Hector.
• 12:14
  So that's only I don't know if that applies to an Apotrapus,
• 12:19
  but so I don't know if it's considered a Shiliath.
• 12:24
  It's exactly he's closer to the Azomem.
• 12:27
  I don't know if it's the same then and but that case is the
• 12:30
  Shiliath has to have his hands on both sides of the money in
• 12:34
  both directions. But anyways, that's if it's the
• 12:37
  same or not. It's I don't think so.
• 12:41
  And you see from the chronium, I don't think so, but it's a 3 of
• 12:45
  Mahlokat among the Ashkenazi post scheme.
• 12:47
  How did how much he has to pay the either you pay half or you
• 12:54
  pay what was agreed upon. Regardless what the revach is,
• 12:59
  it's a Mahlokas. Yeah, so that would be if it's
• 13:10
  pure Rebus Dereisa from the Malvi.
• 13:13
  This is through an apitropos. So you saw him kept quiet.
• 13:17
  OK, so let's go to the next. Anyway, the maisa how much gets
• 13:20
  paid? It's a maclocas.
• 13:22
  OK, cough. IM avara petropos, the hilva
• 13:27
  mausiutomim very weak kitsuza. Now the apatropos he did it, the
• 13:32
  Rebus kitsuza and they took the atomim took the money doesn't
• 13:40
  mean they spent it. It means they took it.
• 13:42
  So then petroleum, if you look so the the Osomim when they get
• 13:48
  older and they find out that the did something they weren't
• 13:51
  supposed to, they can keep the money because it's not ribos
• 13:55
  derisa. It's it is ribos sutza, but
• 13:58
  technically, but it's not rib. It's the fashion, the Derek of
• 14:03
  Dereissa. But as through the apitropos,
• 14:05
  they're allowed to keep it. I believe so.
• 14:12
  I believe so. OK, they Yeah, because the the
• 14:18
  the lobe agreed to it and the lobe paid him and he wanted to
• 14:21
  pay him. So therefore, really Dereissa,
• 14:24
  it's not a it's not OK, let's go on haga vigama apatropos platter
• 14:31
  milahaksa and the apatropos doesn't have to pay it back Who
• 14:35
  I didn't mauchel hectishaniya Mushar mitzvos.
• 14:38
  And so to any case of of mauchel hectish and oshar mitzvos, if it
• 14:47
  was done, it doesn't have to pay back MU EN Hamalvan, Neman
• 14:52
  lomart, the Hamachel hectash hayu alabi graya.
• 14:57
  If the malvet, he has to prove one second, he has to prove that
• 15:04
  he was taking the money not for himself, but for he was acting
• 15:08
  as the Gabi for the sedaka. He has to prove it.
• 15:11
  That didn't go to him. And then he doesn't have to pay
• 15:13
  it back. All right, because again, he's
• 15:16
  acting as an agent for the hectish.
• 15:19
  OK, so there that. His own private hectish spot at
• 15:21
  home that probably can't prove. It.
• 15:27
  Right. He has to prove it otherwise.
• 15:28
  OK All right. Anyway, OK, let's let's go on
• 15:37
  little details. You have to make a Shivur or
• 15:38
  not. But let's go on kafala.
• 15:42
  Oh, I skipped. Oh, well, I in the come on.
• 15:45
  It's just a reader. I'm not going to look up in KUSA
• 15:49
  Muktad IMAP Chopas mutter will vote me going with Sarah.
• 15:53
  You told me. Can you?
• 15:54
  We'll get there when we get there.
• 15:56
  Kaf alev IME ozif mea bemea the estrin.
• 16:01
  OK, so now you're going to lend out.
• 16:05
  Lend out money 100 when? And you want to get 120 in
• 16:11
  return. So you're using a currency
• 16:15
  that's not the main currency, right?
• 16:18
  Let's say you have two currencies in the land, but
• 16:20
  there's one that really is the the main currency that
• 16:24
  everything the financial is based on.
• 16:28
  And you have a secondary currency that that's a moving
• 16:31
  target. When you read it inside, you'll
• 16:37
  see, OK, So what happens? Make.
• 16:43
  So this is all done. MI Cara mea Vedanka, Ulubasov
• 16:47
  mea of Estrin, the main currency, that's covea.
• 16:51
  What all other currencies or items are worth and value, it's
• 16:55
  the donka. That's the example in the times
• 16:57
  of the Gemara, that that's what's covea.
• 17:00
  But you're using, you know, you can have currencies, whatever
• 17:03
  different types of currencies you can pay with different types
• 17:06
  of coins, different types of metals.
• 17:08
  But there's one that's really covea.
• 17:10
  So when you lend out the money, you actually tell them I'm
• 17:15
  gonna, I'm gonna pay you a give, you lend you 100 and you're
• 17:20
  gonna return to me 120, right? Sounds like real ribos tuta de
• 17:25
  reisa, right? But you're not using the
• 17:28
  standard primary currency. So what happens?
• 17:33
  Ulibasov may have one second. I think the the original time
• 17:42
  was, you know, 100 Payback 120. Correct currency.
• 17:47
  At a time when the secondary currency was worth 100, then
• 17:50
  when the time came. Back correct, it's actually
• 17:53
  worth 120 in which? Case it had to use the original
• 17:57
  currency. There was no actual rivets.
• 17:59
  I hope you can because it. Was and that's the original.
• 18:06
  Well it went up in value, so no. I'm damn one second one. 100
• 18:13
  used to be 100. Secondary currency.
• 18:15
  Was equal to 1 main currency and 120 of the secondary currency is
• 18:20
  worth 1, so 1 down left the secondary.
• 18:27
  Currency went down, no one up the Cara Maya Badanca,
• 18:30
  originally the current secondary.
• 18:34
  Currency to to 1. Or whatever it was worth. 100
• 18:38
  and later that same 100. No one. 20 of the secondary
• 18:44
  currency is worth one of the main.
• 18:48
  In which case you would think that even though it was made-up
• 18:53
  but the actual the actual value didn't actually change.
• 18:57
  It was worth one of the main currency when you landed.
• 19:00
  It was worth one of the main currency when you got it.
• 19:01
  Back. But we can, because it was.
• 19:07
  Consistency. OK, I'm sorry, I'm not having
• 19:10
  trouble following you. Maybe we'll we'll say it out
• 19:12
  again afterwards. But you said it, but I I didn't
• 19:17
  I didn't help exactly. You're saying bassar MI Cara
• 19:20
  azlenan. OK, just just to get that clear.
• 19:23
  We go Rebus kutsuza. And so you go after what the
• 19:29
  original deal was. The original deal was 100 for
• 19:32
  120. You told him you're going to pay
• 19:34
  him back 120 and then it actually he actually profited a
• 19:41
  little bit self may have asked him.
• 19:46
  It actually went up in value and went down in value Asur me,
• 19:51
  Darisa, seriously. But because you set up, you're
• 19:54
  going to pay you 100. And lend you. 100 OK, OK, OK in
• 20:00
  that. 120 of the secondary currency, even though 120 of the
• 20:04
  secondary currency is equal in in the main.
• 20:07
  Currency. OK, OK, OK, OK, OK, you're
• 20:09
  right. So it went down in value, but
• 20:12
  because it goes after what you originally said and you paid it,
• 20:16
  then that's Rivas de reisa. OK, What?
• 20:20
  And it's of course, it's Azimi de reisa VE ozif Maya.
• 20:27
  If you tell him I'm going to give me, I'm lending you 100 and
• 20:30
  you're going to pay me 100 Viaque are going to went up in
• 20:33
  value. That's aser MI derabanan.
• 20:35
  That's considered that's similar to a case of Seb with the
• 20:39
  objects because you agreed, you paid back exactly what you
• 20:43
  agreed to the same amount, but a what?
• 20:45
  But the value changed. So then it's Asadarabana you
• 20:49
  borrow. Borrow 100.
• 20:50
  Dollars from the. American.
• 20:53
  Dollar in Israel or America. So as dollars is not it's
• 20:57
  considered separate currency and not the primary currency if
• 21:02
  you're in Israel. So dollars is has is like Hefez,
• 21:05
  it's like SE AB SE AA and Shkalim in America is going to
• 21:10
  be like SE AB SE AA. So you have to it has to be by
• 21:15
  your currency. OK, fine.
• 21:17
  Let's go to COF base. Hopefully that was clear enough.
• 21:20
  Calf base mutter Lil Vot Berry beat Nipanet Pico akhenafish 1
• 21:25
  is allowed to borrow money. He needs the money to live.
• 21:29
  He's going to he's going to die of starvation.
• 21:32
  So mipanet Pico Akhenafish it's mutter to make an agreement to
• 21:36
  pay the Rebus. Now the malvet.
• 21:39
  It's aser for him because he's making a pure profit.
• 21:42
  For him, it's not Pico Akhenafish first, so for him
• 21:45
  it's Aser. But Even so, to borrow money
• 21:49
  even from Israel Nashumat, it's still aser Midor.
• 21:53
  And so aser Midoraiser to borrow to be a little bit from that
• 21:57
  from him to to lend to him. Maybe he's OK, but to borrow
• 22:01
  from him is Doraiser asser. But you're allowed to meet
• 22:05
  Nefesh. So they point this out.
• 22:07
  This is from the this is from from Tanakh.
• 22:10
  Alvadya was the prophet and he had to borrow to, to, to be my
• 22:15
  furnace to, to support and sustain the Naveen who were
• 22:19
  hiding in the in The Cave. But he didn't have enough money
• 22:22
  on his own. So he had to borrow money from
• 22:26
  Ahoram, the son of Akhav, the king, in order to pay him in
• 22:30
  order. And he paid, he had to pay with
• 22:32
  Ribis and even in that, And in that case, it was not only a
• 22:35
  mutter, it was a mitzvah. OK, let's right in the command.
• 22:43
  The asur Louisville Berry beat Litsorek kahal.
• 22:46
  Now in order for a kahal, it's it's it's asur to to borrow
• 22:53
  money berebus fafil in a ribiskatsuza.
• 22:56
  Even if it's not ribiskatsuza kosherkane, even ribis
• 23:00
  darabanan, it's asur Kosherkane Berry beat katsuza da asur.
• 23:05
  Whenever it's for public, it's somewhere Mako.
• 23:14
  It's 100% aser mitzvah. The only way it could be a
• 23:24
  mutter is if it's for a kahal, as if it's for if.
• 23:27
  At the end of the day, the the the kahal is pika mitzvah about
• 23:36
  aimless smokehouse key in with Zarak Gadol.
• 23:40
  Once you not rely on this unless it's Zarak Gadol and as you're
• 23:43
  referring to river suicide or abandoned.
• 23:46
  That's the question. This is this is this is talking
• 23:55
  all about that the low vet has a hectic right.
• 23:58
  That's what we say, OK, what if for if the base kinesis is a
• 24:08
  mitzvah, so then it might be a matter, but it's kahal is not
• 24:13
  for Zaraf mitzvah. That's what it says at the end.
• 24:16
  But if it's at Zaraf mitzvah, So then again, it depends if it's
• 24:19
  darabanan and it's a Mahlokis acronium lamisa kind of
• 24:24
  practice, OK, maybe we'll do, should we do this one last one?
• 24:29
  Kaf gimo hamal vamos al manas shako malaka chitava yada itain
• 24:34
  hotel la malva la sota asur. Now, if a person wants to lend
• 24:39
  out money with a condition that any, that any time the person
• 24:45
  needs a work done in the house or whatever it is, he's going to
• 24:49
  hire the malva. The malva is let's say he's an
• 24:52
  electrician and he's lending money on the condition anytime
• 24:56
  you need electrical needs, you're going to hire me, nobody
• 24:59
  else. So that is 100% ASAR.
• 25:03
  That's because it's it's it's it's tovas hana.
• 25:07
  That's right. You're guaranteeing yourself
• 25:10
  hana and it's similar to a coin who lends out money lends out
• 25:17
  money and he says Al Manat that all of your chuma samasaras come
• 25:21
  to me. So that's also 100% ASAR.
• 25:25
  Now the if tovas here, let's just read it inside Hagar Ulaman
• 25:31
  Damar tovas and Havi Mamo and Mikhe Rivas kitsuza.
• 25:34
  Now that's called rivas kitsuza. If you hold this benefit, it's
• 25:37
  ovas Hana is has a value to a dollar value to it.
• 25:42
  It's considered Mamma mihar shihit nu Mithila Bikak since
• 25:46
  you specified before but I feel loiter Mithila in in Oragula so
• 25:52
  belavahi aser. And even if you don't make it
• 25:59
  tonight then you're not allowed to hire the electrician if the
• 26:03
  only reason why you're going to hire him is busy lend you the
• 26:06
  money. If you normally would have hired
• 26:09
  him or may have hired him then it's smutter.
• 26:12
  But if you wouldn't have hired him and it's only because of the
• 26:14
  loan then it's user the thing called toba sana.
• 26:17
  Same with any toba sana avaim. Call Ekhad any time a person
• 26:21
  makes a a loan and you can end and you would never have hired
• 26:26
  them Alva except for a loan. The one's not allowed to hire
• 26:30
  him. But then aval in Kolekhan maxik
• 26:34
  Tobola. But if people are always doing
• 26:40
  friends, they're always doing favors for each other, then
• 26:43
  there's never going to be a problem.
• 26:45
  They can lend to each other and they can do favors for each
• 26:47
  other because these are normal favors that they do for each
• 26:49
  other throughout their life. And it's not a problem
• 26:53
  whatsoever because that's normal for them and it's not because of
• 26:57
  the loan. The shock points out our case
• 27:02
  was a Malva is the one who's an electrician.
• 27:05
  If the Lova is the electrician, but the Tanai is now the Lova is
• 27:09
  going to do it for a discount. So then again, the Malva is
• 27:11
  benefiting. So that's also would be Ribis
• 27:15
  again, potentially Ribis Kitsuza.
• 27:20
  And yeah, you you can knock it off the bill, but it's because
• 27:23
  it's knocked off the bill. But it's but it but it can't be
• 27:26
  that he's getting a discount. He still has to pay the same
• 27:29
  amount. Yeah.
• 27:38
  It's just you can pay that way when it's when you're paying
• 27:39
  back your bill. Just interesting that Taz points
• 27:43
  out it's he would have thought it.
• 27:45
  This is a mistake. This is a din from the Rush or
• 27:49
  the Tosos and but he says, but it's the halacha.
• 27:52
  He doesn't argue with it. And the reason why he's a little
• 27:55
  bit surprised we're going to see later on by by land, a Malda
• 28:01
  couldn't give a loan. So this is different.
• 28:03
  That's why I'm bringing it up. So you see that there's a
• 28:04
  difference. The Malda could say there's a
• 28:06
  loan. I'm giving you a loan on the
• 28:08
  condition that when you sell your house or your property, you
• 28:11
  sell it only to me because that's fair value.
• 28:16
  And there it's a mutter because you're paying, there's a,
• 28:19
  there's a, an exchange of money for the property.
• 28:24
  There's no benefit here. He wouldn't have got the job if
• 28:28
  not he's he's making money out of it.
• 28:30
  So that's why that's where it's us.
• 28:32
  But it's a fair exchange. It's a mutter.
• 28:34
  All right, I'll stop.