Latest / SHULCHAN ARUCH YOMI: Own the Halacha in 25 minutes a day! / Yoreh De’ah 253:1-7. Tzedakah: Who Is Poor and Permitted To Collect, Refunding Donations, Reallocating Funds, Surplus

Transcript

Yoreh De’ah 253:1-7. Tzedakah: Who Is Poor and Permitted To Collect, Refunding Donations, Reallocating Funds, Surplus · SHULCHAN ARUCH YOMI: Own the Halacha in 25 minutes a day!

• 0:01
  So we are in the middle of Saif Olive.
• 0:05
  We I think we read the entire Sholkhanar Mohabbat part.
• 0:08
  Now we're up to the Roma. Just a quick recap.
• 0:14
  We're saying a person has to have a certain amount.
• 0:17
  Once a person owns has a certain amount of cash, let's say in
• 0:21
  Italian zoos, 200, maybe 50 if he's making profit out of it,
• 0:27
  the business running a business. So he has that money cash in his
• 0:31
  bank readily available. So then we say he is not allowed
• 0:35
  to take Sedaka now. And what about if you have
• 0:39
  valuable luxury items? Let's say you have, I don't
• 0:45
  know, silver, gold dishes or items in your house.
• 0:48
  So then the general rule is if you're using it for eating, if
• 0:52
  you have these expensive, I don't know, forks, knives, maybe
• 0:56
  a single table, see the chronium.
• 0:59
  So then you have to that you do not need to sell because it's a
• 1:05
  minimal amount that you're using just just to live off of so that
• 1:09
  we don't make you sell in general to get Sedaka, but
• 1:13
  except if you are taking from the Koopa.
• 1:17
  So this Sedaka fund is really limited and for those of the
• 1:23
  very needy and to take from the Koopa, you're not allowed to
• 1:26
  even have your silver cutlery. But other items, even a big
• 1:31
  table that's made of silver must be very expensive and other big
• 1:35
  other items that are that are beyond the basics.
• 1:38
  So then even if it's silver, then you have to sell it before
• 1:42
  you take any Tsidaka. Now we're going to see the Rama
• 1:47
  here and the Sholkhanarak in the next to eve that.
• 1:51
  OK, so those are these are basic ideas not 100% applicable to
• 1:56
  modern day. Let's see, continue with the
• 1:58
  Haggai inside Mahain, the Malcolm, the ICA Takana shalo
• 2:03
  litaine Sedaka lemiciation dovar katsu in hoshin obeit baidira
• 2:10
  uklay tashmisha. So whenever there's no Takana in
• 2:13
  line, there's no specific guidelines by the Sedaka
• 2:17
  organizations. What's the minimum amount?
• 2:20
  So then whenever a person needs Sedaka, we don't look at his,
• 2:24
  his house and his basic, basic calium and he's allowed to keep
• 2:29
  them. And I believe we're going to see
• 2:32
  even if a person has or if we didn't see, even if a person has
• 2:37
  like an extra, you know, if a person has an extra vacation
• 2:40
  home so that he probably has to sell.
• 2:43
  But if a person has a 1, you know, 1, whatever an income
• 2:48
  property, how much I don't know. But if you have an income
• 2:51
  property and that's how you're making a living, but you're just
• 2:55
  low on cash right now, then you're allowed to still take
• 2:59
  Sidaka because then you're going to lose your income.
• 3:01
  We don't make again. All this needs a little bit of
• 3:04
  shikola das, but that's the idea.
• 3:06
  Call mishu Asher and anyone who's who's wealthy, asuri tein
• 3:11
  labanov alfalpi shahim shahim gadoli mahim smoohim al shukhan
• 3:18
  avihim. So then he's not allowed if what
• 3:21
  person is wealthy, if there's so much on his on him, So then he
• 3:26
  they're they're living at his table.
• 3:28
  There's relying on him. So then even though they're
• 3:31
  they're older, then he doesn't need to he should not give them
• 3:34
  from Sedaka because Adafa der Sedaka, Aval der Dharun, the
• 3:40
  Kaaval Yahoo, the Kabul Adam. But anyone, anyone's allowed to
• 3:44
  take. So it's again, if you're taking
• 3:46
  Mittora Sedaka, that's then you have certain conditions.
• 3:49
  You have to be a certain, you have to be poor enough.
• 3:51
  But anyone, even if they're not poor, are not very poor.
• 3:55
  They are allowed to take gifts. A person wants to honor you with
• 3:58
  money, give you a gift, give you a car, give you whatever he
• 4:01
  wants to give you, buy you dinner.
• 4:02
  Even since it's not done as sedaka, then one is allowed to
• 4:06
  take. Can you be counted as sedaka for
• 4:09
  the giver? Perhaps I don't have an answer.
• 4:13
  But now, as we see over here, there are Ma quotes famous
• 4:19
  Hiroze Lehana Lehana ke Elisha. Alicia was known that he would
• 4:24
  did take gifts. You know, did the Cabo de Shem
• 4:28
  he needed. He needed it to live depending
• 4:31
  on the story. So one is allowed, just like
• 4:34
  Alicia, one is allowed to Shmuel, on the other hand, is
• 4:37
  known that he wouldn't even take anything from anyone, even if it
• 4:42
  was difficult to make sure to be self-sufficient.
• 4:45
  So there's a there's a Mylar for that as well.
• 4:48
  And but both are permitted is. The reason that Shmuel.
• 4:52
  Was a job. I don't know if one was the
• 4:56
  judge or not. That's maybe a helic between the
• 4:59
  two. But I think it was their
• 5:00
  Mahalakan life, maybe base yeesh.
• 5:04
  Omrim shalun emra Shuri Malalu Alabiya Mayhem.
• 5:08
  Now these guidelines that we gave in, see if alef that's in
• 5:13
  those days the way they operated of all these manasseh.
• 5:16
  But nowadays yakolito achi. Yeah.
• 5:18
  Look Karen Kadeshi Pernes who Ubenebeto Mehareva with Devarian
• 5:25
  Shaltam Haim. But nowadays a person is allowed
• 5:30
  to take unless he has enough money in his bank for him and
• 5:35
  his children to to live by and to make a profit out of, to run
• 5:39
  a business out of. And this makes sense.
• 5:44
  So that's OK. Gilmo, Misha, how you look.
• 5:49
  Harko, a person has additional property besides his house.
• 5:54
  He has a land, he has a farm, whatever.
• 5:56
  He has a way of making money out of the the land.
• 5:59
  He owns it or it's just sitting there, but he can sell it and
• 6:01
  make money out of it. OK, Again, all these things need
• 6:05
  a little bit of shikala das. You know, where do you draw the
• 6:07
  line when you should sell, not sell if that's your income and
• 6:10
  then you're going to become more poor.
• 6:12
  OK, But here's some guidelines. Here it is a Misha how you look,
• 6:15
  Harko a person has property. The I am I am Karam Bimoto
• 6:19
  Ghashamim. I am Karam bizar.
• 6:22
  But right now it's the winter time and it's not the the season
• 6:25
  for selling land. If you sell it now, you're going
• 6:29
  to sell it at, at less than you would normally be able to sell
• 6:33
  it when everyone's selling their property.
• 6:36
  All right. It would be like a sell a sale
• 6:38
  in distress and you wouldn't get what you what you deserve.
• 6:41
  But if you wait until the summertime, whatever the, the
• 6:46
  time when people sell property, you'll be able to sell it for
• 6:51
  its proper value. Everyone knows, you know, if you
• 6:54
  wait, you know, if you sell something in the, you know, in
• 6:56
  the middle of the winter versus spring or summer, the the value
• 7:00
  is going to be different. A Mikhailino Tolumkor, we do not
• 7:03
  force him to sell right now because he's he's going to, he's
• 7:06
  going to lose. I don't know, whatever it is,
• 7:07
  510%, whatever it is, maybe even 1%, we're going to see, as Ashak
• 7:14
  points out, according to the Rambam, we're not looking
• 7:16
  exactly at what how much less you're going to get for it as
• 7:20
  long as it's something that's considered, you know, common
• 7:24
  sense, considerable, significant, something
• 7:27
  recognizable. So right for a tiny bit, you
• 7:31
  could always, any value is going to go up and down a tiny bit.
• 7:34
  So whatever is considered a reasonable change, I don't know
• 7:38
  exactly what percent that would be, five or one, whatever is
• 7:42
  something significant. So then we don't make them sell
• 7:47
  right now. Ella mahili Moto ma serani AD
• 7:51
  khatzi de mayim. So then the principle is we
• 7:54
  allow him to collect Sedaka or eat off the Mai Serani in the
• 8:00
  land, right? That's in Israel.
• 8:02
  So then you how much Meisser Ani can you keep on eating until
• 8:09
  you're ready to sell up to half the value of the property?
• 8:14
  That's that's the sheer that's given.
• 8:17
  But you talk Atma Vyimkart Shalobizuman Mahira.
• 8:20
  The idea is we don't want you to push you and he's and that's
• 8:25
  maybe more of an expression. Again, this is from a Gemara
• 8:28
  where it talks about Hatsi, Dumayan and Rahulkas, Rambam
• 8:31
  Tostvos had to read understand the Gemara.
• 8:34
  And that's we're going to see a small difference between or a
• 8:37
  big difference between the Shalfanarath and we're about to
• 8:40
  read the Rama. So this is the Shalfanarath
• 8:42
  based on the Rambam. So he points out.
• 8:47
  And even if everyone else can sell for more, but you can't
• 8:51
  sell. So then really we let you even
• 8:54
  keep it. This is the Shahi based on the
• 8:57
  Rambam. We let you even get more money
• 8:59
  than half the amount. But that's that's just the the
• 9:02
  general guideline, the way it's written.
• 9:04
  But the Haggas says that the Rama based on Tosos Vyesh,
• 9:09
  Omrim, shame, Akhilino, Toraq, Adshiyaho, Limkor, Karkota,
• 9:13
  Bikazi demand a little bit of a very different understanding.
• 9:18
  It depends how it's a big difference, right?
• 9:21
  If the value of your property is only going to go down 25%, so
• 9:25
  then you do have to sell only if the property now you're going to
• 9:29
  get half the amount or less than half the amount.
• 9:32
  So then we let you live off with Sedaka.
• 9:35
  So it's quite a big difference. OK and then once you're yeah,
• 9:42
  OK, fine. How you Shahar Adam Lokim
• 9:45
  Bioker, The Who ain't no mode say me Shikakum and everyone
• 9:48
  else is selling for expensive, but you you can't find anyone to
• 9:52
  buy from you Ella Bazol for some reason.
• 9:56
  Again, your property might be always worth less.
• 9:58
  So you need to have a little bit of of you know if your property
• 10:03
  is worth less, that doesn't mean you're getting a Bazol.
• 10:06
  So you just have to use, you know, proper evaluation.
• 10:09
  But if everyone else you know, per square meter, per view for
• 10:13
  this, for that, whatever the it's considered, everyone else
• 10:17
  is getting a great price for it. And for some reason you're just
• 10:21
  not getting the right price and no one understands why.
• 10:24
  So then we pinay shahu dahukh vitaraud a mikhayvi no tolinkor
• 10:29
  also we don't force you to sell and ella oka master ani vahola
• 10:35
  hachi inkor bishava you can get really you can get even more
• 10:39
  than half the amount as much as it takes.
• 10:42
  We don't make you sell the Edu hakoshi Eno dakhuk lincor and
• 10:47
  also because we don't want people to know oh, this guy is
• 10:50
  desperate. His this clock is running out.
• 10:52
  His money is running out. Let's wait till he really gets
• 10:54
  desperate. It's going to go down even more.
• 10:56
  No, we tell everyone who's going to keep on eating forever off
• 11:00
  that sedaka and you can't, you're not going to be able to
• 11:02
  RIP him off from his property just because he's desperate.
• 11:05
  OK, Dalit Bal habayit haholek MI makum le makum the Kalu Malta
• 11:11
  Bader. So here you have a person
• 11:13
  travelling and he he's doing well.
• 11:16
  He has a lot of money back home. He's not he's not poor in the
• 11:19
  slightest. But when he's travelling, the
• 11:23
  anal Ma Yoko, I guess he doesn't have Internet or a credit card.
• 11:30
  And those days you run out of cash, you're stuck.
• 11:33
  Nowadays this usually doesn't apply.
• 11:36
  But again, it all depends on the situation.
• 11:40
  The A in law, right? Sometimes the credit card
• 11:41
  doesn't work right now and you only have one on you.
• 11:43
  The A in law Ma Yokal, he told Sidaka and you don't have what
• 11:47
  to eat. So of course, right now you're
• 11:49
  considered poor because you don't have any money.
• 11:51
  You're starving and you are and you need a place to sleep.
• 11:54
  Whatever it is, you're allowed to take Sidaka because she
• 11:57
  yakzor libeto ain't no high of a Shalim.
• 12:00
  And when you go back home, you don't need to pay it back
• 12:03
  because at the time when you took it, I think we saw where
• 12:07
  we're going to see. Oh, maybe I didn't say it was a
• 12:09
  shock. Also pointed out that we didn't
• 12:11
  say, let's say a person was was poor and then he gets a Yerusha
• 12:16
  after he took Sidaka money. So you don't have to now take
• 12:20
  yerusha, sell you Yerusha to pay back for Sidaka.
• 12:23
  Same thing here when a person is poor right now for his
• 12:26
  situation, even though when he goes back home or he gets to
• 12:30
  urusha later or he makes money but you don't have to pay back
• 12:33
  Sidaka money, you have money in your pocket. 200 checks a note
• 12:39
  in your pocket that you need, which is an exact change in
• 12:44
  order to buy a. Drink.
• 12:45
  You say you have you have a credit card or a promissory note
• 12:50
  or some kind of a some kind of a check, but you can't can't
• 12:54
  deposit it. It's not usable the way you are
• 12:55
  now and you're hungry. So that's you're stuck.
• 12:58
  That's also it's a DACA. How you you know, how much do
• 13:01
  you take? How do you how do you what do
• 13:02
  you buy? Do you buy OK, anyway, so, but
• 13:07
  the the principal is a person like this is a an onion and he
• 13:11
  doesn't have to pay it back later.
• 13:13
  Obviously if they Nepal the postgame, I think they point
• 13:17
  out, but if you have a way to easily borrow money, you have a
• 13:22
  lot of money, you have a lot of cash in the bank, you have money
• 13:24
  at home, but right now it's not on you.
• 13:27
  Ideally, if you have any way to pay with a credit card, a loan
• 13:31
  or something ATM machine, whatever it is, then you should
• 13:35
  do that and not take not take Tadaka.
• 13:39
  OK, OK, she obviously, you know, borrow money might be better.
• 13:44
  You don't want to lose money on crazy whatever ATM machines,
• 13:48
  fees, things like that. But OK, Shikola das for all
• 13:51
  that. But that's that's the idea.
• 13:53
  The Java Lake Ani the the the sheer because that's just like a
• 13:57
  person who wasn't ani became rich.
• 13:59
  Like we mentioned the ain't no Kaya Vashalim.
• 14:01
  You don't have to pay later on. OK, Hey, me Shapirnis Yatom, a
• 14:06
  person who was financing an orphan the Haya Mahavin the
• 14:12
  mitzvah, and he had a mind to give him money as Sadaq al
• 14:15
  mitzvah to be to help support an orphan who doesn't have Luka
• 14:21
  Shahid deal. Then later on, he wakes up five
• 14:25
  years later, whatever it is a year later, 10 years later and
• 14:28
  the the orphan is no longer a little orphan anymore.
• 14:31
  He's a big man and Tava Vimenu Marsha Parniso.
• 14:35
  And he goes to the orphan and say, you know, I supported you
• 14:37
  for all these years. I gave you, you know, whatever
• 14:39
  10s of thousands of dollars, Scalia, whatever it was.
• 14:43
  And look, I see you have a business.
• 14:45
  I want my money back. So Pattur, the orphan is not
• 14:50
  high to pay him anything. We, we, that's all.
• 14:53
  When a person gets as money as Sedaka, then again, that's
• 14:58
  assuming there's no strings attached.
• 15:00
  We're going to read the Rama. So then you don't have to pay it
• 15:03
  back when you get money later again, maybe one should or pay
• 15:10
  back to another Anita Sedaka, whatever it is.
• 15:13
  But that's that's not the that's not the letter of the law.
• 15:16
  He's not Hyatt to pay back Hugga Afilu Hayaloli Atom, the OTA
• 15:22
  Shah. Even even if the atom did have
• 15:29
  money in the bank, but it wasn't it wasn't being used and you
• 15:33
  gave him money to live off of. Even if the honey, the Yatam had
• 15:36
  some money to live off of. He had a trust fund or whatever,
• 15:40
  but you gave it to him as Sadaqa for him to.
• 15:43
  You have to live off of Imlo Shapiro, so then you don't have
• 15:48
  to. The yatam doesn't have to pay
• 15:49
  back right? Even if he had assets should
• 15:53
  dare imlo shapira shudera halva parnassal.
• 16:00
  Unless when you gave him, you told him that this is a loan and
• 16:04
  that when you get older then you're going to have to pay me
• 16:06
  back from your trust fund. You're going to have to pay me
• 16:08
  back, you know, whatever 10% from your earnings until you pay
• 16:11
  me back whatever it is then as it was done all tonight.
• 16:15
  So then of course the Yatom is higher to pay him back.
• 16:18
  The dafka Yatom as we're talking about Yatom Ava akhir afir will
• 16:24
  be Stam nami armena and shadera hava asam akhar sheshlana
• 16:28
  Hassan. Now, when you give money, this
• 16:31
  is saying when you give money to somebody as Sedaka, but the
• 16:35
  guy's he's loaded, he's rich or not even loaded.
• 16:37
  He has money and everyone knows he has money.
• 16:40
  But you gave him money because right now he needed money.
• 16:43
  So since you know, he had assets and but right now he needed he
• 16:48
  needed help. So then the assumption is he
• 16:52
  gave it to him as a loan and the guy is supposed to pay you back
• 16:57
  later. But that's if he had money at
• 17:00
  the time. If the wealthy enough person had
• 17:05
  money, you lent it to him to get by.
• 17:10
  You gave him money. You didn't specify it's a loan
• 17:13
  or it's a DACA. So the assumption is it's a loan
• 17:16
  by a yatum or by an orphan. Even if he we all know he's he
• 17:20
  inherited a trust fund, but he's a yatum.
• 17:22
  So there this this stum without. If he didn't explain, then it
• 17:27
  was for him to use and not as a loan.
• 17:30
  OK, Vav ani Shagavulo, the Hashim de Masaro, they collected
• 17:37
  for a particular onion, right? People went around collecting
• 17:40
  for a particular reason, for an onion, the Hotel Almashitzari,
• 17:47
  and they raised right, The goal. You see this many times, there's
• 17:50
  a crowdfunding, they're trying to raise $10,000 for a person or
• 17:55
  $100,000. They have their goal and then
• 17:59
  they end up getting an extra 1050% over what they were asking
• 18:04
  for. The funds just came in all
• 18:06
  right, especially if it's not disclosed, but they were what
• 18:11
  they needed. And then it's easier to collect
• 18:13
  extra Hamotar Shaloh. So when the Gabite Sidaka
• 18:17
  collected or that fund collected for one person, it's and it was
• 18:21
  said it was for this one person and they got extra.
• 18:24
  So then it belongs this extra, this ani is allowed to keep it.
• 18:28
  It belongs to him, the EM Gobble anime stum.
• 18:32
  But if it was at Sedaka organization, that's collecting
• 18:35
  for some ani and not for one person, well, Tiro and it was
• 18:39
  extra than what was needed. So then right now they need it
• 18:43
  for, I don't know, 10 anime, whatever, let's say $10,000.
• 18:47
  And then it turns out they collected 15,000.
• 18:50
  They had a they had a fundraising campaign.
• 18:53
  So there's an, a surplus of 5000.
• 18:55
  You don't divvy it up among those 10 anem because they don't
• 18:59
  need it. Yishimurula Anem Maher.
• 19:01
  And they keep it. And then don't worry, next week,
• 19:03
  next month, there'll be another, another anem who need the money.
• 19:07
  So you save it for them. Mecca and Motar Shavoy.
• 19:10
  La Otto Shavoy. Same thing.
• 19:11
  They collect money for one captive.
• 19:14
  What? Musa Musa, That's what I meant
• 19:17
  to say. OK, motar shoveling, they
• 19:20
  collected the leftover money that they collected, right?
• 19:23
  They only needed $100,000 to for ransom and they collected
• 19:27
  110,000. So that captive, when he comes
• 19:30
  out, he gets an extra $10,000 pocket pocket change for him to
• 19:34
  spend. Naim Gavu Shreem Stan.
• 19:38
  But if they're raising just a for a hostage or captivity,
• 19:42
  whatever, shoveling in general, not for one person, some or a
• 19:47
  group of people. Hello to your own.
• 19:49
  There's extra. So you Shuru tell me Shuim
• 19:51
  Akhayrim. So then I hope they're not
• 19:54
  expecting more, but they keep it for extra Shuim in the future,
• 19:59
  the Hein motar Hamid Liyorsha so there.
• 20:05
  And then also when there's left, if you collect money for a dead
• 20:08
  body for the needs and there's for a particular Mace person.
• 20:13
  Who passed away? So then the inheritors get to
• 20:16
  keep the extra moats are mateem the mateem.
• 20:19
  But if it's just in general for mateem, so then the extra goes
• 20:23
  to other deceased muses. So that if we collect it, the
• 20:26
  Khabra Khadija has like a sedaka fund for itself.
• 20:29
  Some do very well without collecting.
• 20:32
  But let's say they need so then it goes for other Mateem, the
• 20:37
  IME Rauh Parnasim, Shesh Soraksha, the Ratsu, the Chanel
• 20:43
  Tarasut be Adam. But the partners team, right
• 20:47
  when they collect, they're allowed to change the people in
• 20:51
  charge, they're given certain discretion and they're allowed
• 20:55
  to change from one reason for another as long as whatever they
• 21:00
  seem needed, not just to go, you know, for an ice cream party for
• 21:04
  themselves, unless that's considered perhaps a little bit
• 21:08
  needed to keep them working. But it's really for for Sedaka.
• 21:14
  OK, Zion Mao Chagavul epidion. Let's skip Mao Chagavul epidion
• 21:20
  shoveling. So then you collected for one
• 21:24
  pidion shoveling Umate. But unfortunately, while they
• 21:28
  were trying to make this deal to ransom him out, meanwhile, he
• 21:31
  dies in captivity. So what happens?
• 21:36
  Yeshmi sha Omar shahim sha Yoshav?
• 21:38
  Some say it goes to the inheritors, the yeshmi Shawmar
• 21:41
  shalo zahu vahim Yoshav. And some say no.
• 21:44
  But he didn't. It was for the shabwe when he
• 21:47
  was alive. It wasn't for a Dutch shabwe,
• 21:50
  and he's dead. And it wasn't, it wasn't his
• 21:52
  yet. So it doesn't go to him.
• 21:57
  And this second opinion is what makes sense.
• 22:00
  This is the halacha the Amrinan da tell you because we say this
• 22:05
  is the da. So when people give money for a
• 22:08
  captive shaloh hitsandru al daat kah, they gave money for a
• 22:15
  living captive or a hostage, the not for one who's dead.
• 22:20
  OK, How that applies, you know, for nowadays it's obviously a
• 22:24
  discussion. How much do you give for a
• 22:27
  unfortunate, a dead captive? How much do you risk?
• 22:30
  OK, Vu Adin Lenitama also a person who gets hidden or lost.
• 22:37
  What does that mean? It means what non from It means
• 22:43
  you, you become assimilated. You loses his Jewish identity,
• 22:48
  right? It's from the Lushan of Nitman.
• 22:51
  But it's OK then the Nitman Hashavui Benagoyan Kodem
• 22:56
  Sheniftef a person he's been in captivity for so long, and now
• 23:00
  he no longer really cares to live a Jewish life.
• 23:03
  So then you all you we also don't the money doesn't go for
• 23:09
  him anymore. OK, The Ruadin IM nadar ekhad
• 23:14
  liya tomama otla See a person makes the Ned there to give
• 23:18
  money to an to a girl an orphan to the money so that she can get
• 23:23
  married umeta. But then she dies somehow.
• 23:27
  The little Zaku Bahama Yoshim, the yoshim of this girl do not
• 23:31
  get it. Because that's not what his das
• 23:34
  was. And it wasn't.
• 23:35
  She did not get the money yet. That wasn't his das.
• 23:39
  Umil Poseman she hi. As long as she's alive, Haim Shi
• 23:43
  yatoma, the money belongs to her.
• 23:45
  Can't be for something else. But sorry, Khatet la Miad and he
• 23:48
  has to give it to her immediately.
• 23:50
  The EIN mamtinim adness. Well, we don't wait for her to
• 23:54
  get married because it's for her to use.
• 23:56
  We don't say, oh, she only gets the money after unless he
• 23:59
  stipulates otherwise. He right, he has to give the
• 24:02
  money right away. The mate I'm not closing.
• 24:04
  But then if she dies, even if she gets the money, the money
• 24:08
  goes back to her. So it's like Kilo out tonight.