Latest / SHULCHAN ARUCH YOMI: Own the Halacha in 25 minutes a day! / Yoreh De’ah 162:4-163:2. Interest: Lending To a Franchisee, Borrower Swearing; Different Price When the Loan is Loaned Vs. Claimed

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Yoreh De’ah 162:4-163:2. Interest: Lending To a Franchisee, Borrower Swearing; Different Price When the Loan is Loaned Vs. Claimed · SHULCHAN ARUCH YOMI: Own the Halacha in 25 minutes a day!

• 0:04
  Yeah, OK, good morning. We are in a person can lend his
• 0:19
  a recent peerage Arisa Natea Ozaraya Saldejavira someone who
• 0:23
  plants or you know, most of it is in someone else's field.
• 0:30
  The Ishlo Fessio Schlage prepares.
• 0:33
  Now the thing with the Arias and Arias is I mean, I'm sure that's
• 0:37
  some official business term. It's something similar to the
• 0:40
  deal is a basically you get that he he does, he does the work
• 0:46
  and, and the and the owners of the field get a Commission out
• 0:50
  of get a Commission out of the work out of the work
• 0:54
  sharecropper. But it it would apply nowadays
• 0:57
  to any sort of that's something like like, I don't know, with
• 1:02
  the with the right word franchise, things like that.
• 1:05
  It would be also applicable to A to a certain degree.
• 1:08
  So Saba saw so he lends in Saba saw Lazara right.
• 1:12
  So in the beginning he says, listen, the guys, I don't have
• 1:15
  any, you know, I don't have any, you know, seeds to seed the
• 1:18
  fields. The owner says, listen, I'll
• 1:20
  lend you a sub of of Zara and you'll you'll pay and then like
• 1:26
  the next year, whenever you'll pay me back in Sarah 0 right,
• 1:29
  you'll pay it. You'll pay me back being called
• 1:32
  in Shiara or is so there being after Shiara?
• 1:37
  He can he's allowed to do that. What either, you know, whether
• 1:44
  whether he started working or not, because the thing over
• 1:47
  here, the reason why it's going to be motor is because here it's
• 1:49
  part of his. It's part of his like, say
• 1:52
  contract. But if this is the these are the
• 1:55
  terms of his employment, so to speak.
• 1:58
  So therefore, it's not really alone.
• 1:59
  This is just part of, it's not alone of Saab Asad.
• 2:02
  It's sort of part of the terms of of, you know of what?
• 2:07
  Yeah. So you know, so you know,
• 2:09
  someone, let's say, you know, so let's say I guess that a
• 2:13
  franchise, the guy, he opens a branch of some pizza shop.
• 2:16
  Whatever, guys, Look, I don't have, I don't have flour.
• 2:19
  I don't have this, you know, whatever.
• 2:22
  Listen, I'll start you off. I'm going to, I'll give you, you
• 2:25
  know, I'll give you the flour, the sauce and things or
• 2:28
  whatever. And then the at some point
• 2:31
  you'll, you know, you'll, you'll, you'll, you'll, you'll,
• 2:33
  you'll replace it for me. You'll, you'll give it back to
• 2:36
  me. So that's going to be OK.
• 2:39
  All right. The Makum Shinagu Shihita Aris
• 2:44
  0. That's OK.
• 2:45
  So that depends on what the general meaning of of of arisim
• 2:51
  is, whether the where the Aris himself usually usually get.
• 2:57
  He usually, you know, he invests himself, you know, but he buys
• 3:02
  and supplies himself. He buys zero himself.
• 3:04
  So then therefore this is sort of part of his payment.
• 3:07
  It's a part of whatever you want to say.
• 3:08
  It's part of the the deal of all the Malcolm should Derek bottle
• 3:11
  carpal eating zebra. If it's usually the Derek of the
• 3:14
  of the owner of the land, the landowner of the owner to give
• 3:18
  them the zerah in Kvar. You already saw the ulcer.
• 3:23
  So if he already started working, then already he
• 3:26
  realized, you know, I don't have Oh, I don't have the seeds, I
• 3:28
  don't have the materials, I don't have this.
• 3:31
  So then the so then already it's considered a loan outside the
• 3:36
  from outside the I can't say it's part of his employment.
• 3:40
  He has. It's only from the outside.
• 3:41
  He's just that's a regular loan of Saba song.
• 3:44
  It's going to be us, Sir. But even if it, if he does it
• 3:47
  beforehand, even if the ball, usually the ball Carter himself
• 3:50
  gives it, it's still, it would still be considered.
• 3:56
  It still would be, would be considered like he's making his
• 3:59
  own terms, even though the meaning is different.
• 4:01
  He's making his own terms of employment and that would be
• 4:05
  therefore it will be Sabasa in that case would be it wouldn't
• 4:08
  be. It's not considered alone
• 4:10
  basically. But if he already went already
• 4:12
  started started working, then it would be it would be considered
• 4:16
  would be considered alone and therefore has to fall under the
• 4:18
  same guidelines as any other Sabasa.
• 4:22
  Hey, he'll will also sign PT but also the star Leo.
• 4:26
  He said he lent someone to you know, to two things of wheat and
• 4:31
  he made a star on them. Even though you've I'm all that
• 4:34
  she also Hashar even if even if if the the shots of a OSHA Haya
• 4:42
  Lalava about me also mean you shall I leave it so if so if
• 4:50
  what happened if the the balls that led to me He didn't Mavar
• 4:54
  Yeah whether the the price came out or or he wasn't Mavar
• 4:59
  whether the Logan asked you know you have do you have a bit of
• 5:02
  the you have a bit of this These payers can go ahead and make a
• 5:12
  that the price didn't go. I wish I had little clue.
• 5:17
  They also mean and he can think in on that.
• 5:20
  He didn't have anything and therefore this loan was the Saba
• 5:24
  Saab was done. He can't if it's the age, though
• 5:31
  he could do some Assad. He has to pay back whatever the
• 5:34
  amount. You know, let's say the wheat,
• 5:35
  the wheat went up. You know, it went up.
• 5:38
  See, you know, or you know, or went down, whatever it is.
• 5:41
  So he so he has to pay him whatever the amount went up, he
• 5:45
  has to pay him the same, you know the the sale of wheat even
• 5:48
  though the price went up. However, if he you know, if the
• 5:52
  if the loan was done baser so then he only has to pay a sale
• 5:57
  of wheat is worth let's say say it was worth a dinner.
• 6:02
  So he only has to pay him a dinner and not a dinner plus,
• 6:05
  and he's never to make a schwalk and mostly make a Ala varaya.
• 6:12
  The ain't hamalva yohaloimar nisi Loma at Michelia de Aker,
• 6:17
  the Loma honey below das Haloiva.
• 6:20
  Personally, the malva can't say. But hey, wait a second.
• 6:22
  I was in sacking him a little bit of a bit of the the a little
• 6:27
  bit of wheat so that the lone would be ha, because that's not
• 6:32
  called because it's a deal of Zakir Anishlova fond of in
• 6:36
  general. In general, a person can go
• 6:38
  ahead and something, you know, do a for his friend.
• 6:43
  If it's, you know, he can mazak it to like a Kenyan to his
• 6:46
  friends. If it's a but you can't make a
• 6:49
  Kenyan force a Kenyan on someone.
• 6:51
  So, you know, like, you know, here, you know, take this thing,
• 6:53
  you know, usually, unless it's something which is an absolute.
• 6:57
  So the question I really ask is what's different in this in
• 7:00
  principle, like principle, what the kind of is is that is that
• 7:05
  we do we are mapped to him bit of park of it of this, but ball
• 7:09
  Corco in order for the principal to work.
• 7:12
  And we say over there, the reason it's as close is because
• 7:15
  the guy listen, the legal wants to be able to borrow money.
• 7:17
  And if it's not, if it's the principal's not going to work.
• 7:20
  So then the whole point of no one's going to want to, you
• 7:23
  know, no one's going to lend money.
• 7:24
  So you want to make it a open market for lending.
• 7:27
  So it isn't close right in there.
• 7:44
  Doesn't know. About it and it doesn't help
• 7:48
  regarding right, right, right. It's that question here that he
• 7:50
  did whatever it doesn't make a difference.
• 7:52
  He can't he can't be magnet the so they asked from post ball.
• 7:58
  And so here the basic idea over here is that, you know, it could
• 8:03
  be it could be over here that it's and the gross it's are here
• 8:06
  on tasks are here on so they seem to be colic on the on the
• 8:09
  Rama and understand that he claims that it would work.
• 8:13
  It could be the child over here. Maybe it's just simple that it's
• 8:16
  even though, yes, he wants to get a loan, but it could be
• 8:19
  there isn't a Hova over here that he's going to end up, you
• 8:22
  know, paying. He can end up paying more at the
• 8:27
  end. So maybe he wouldn't want that.
• 8:30
  I don't know. It's a bit of a mahogany over
• 8:32
  here, but that's the question. But you know, the question would
• 8:37
  have to be, you know, you'd have to ask whether a person can do
• 8:40
  that to get out of it. If the lover doesn't know can
• 8:43
  and all of us just, you know, be mashed in it mean it's sad says
• 8:47
  he could. No, I'm sorry, he can't.
• 8:50
  But it seems like the grow the talent seems to say, I don't
• 8:52
  understand why not. Yeah, yeah.
• 8:57
  The the, the, the, yeah, they're calling whatever it's it's a
• 9:02
  mahogas. The kids are it's a mahogas.
• 9:04
  And it gets more into shyles of Rosheimich.
• 9:07
  But you know, it could be, can it can it be, can he collect
• 9:11
  from the extra money? And who has, you know, and
• 9:15
  there's a word doesn't work. It seems to be in some mahogas.
• 9:21
  The aim is if he's in one place, that's if, if if he landed in
• 9:32
  one city and the other city the are, he said.
• 9:37
  OK, I'll give me back to the worth much more in the other
• 9:40
  city. LO ye shalin lo eh, like you
• 9:43
  Shalin Malcolm halva. What's coveya is the mukum of
• 9:47
  the halva, not the because the end.
• 9:50
  The problem with, you know, Sabah saw is that we say, well,
• 9:52
  the end you're going to end up paying more.
• 9:54
  So we say whatever the you know, it's it's that that is, you
• 9:59
  know, turns on time, but not on on a mukum.
• 10:01
  So therefore, wherever the loan was is what's coveya is Coveya
• 10:06
  how much he has to pay back. I'll go.
• 10:08
  I'll love it to you. Oh, it's so correct.
• 10:13
  But if let's say it's worth more.
• 10:18
  Let's say he wants to give money back.
• 10:20
  Let's say you know and things like that he wants so that's
• 10:23
  that's you go by where the price was.
• 10:25
  Shasava, Malcolm Hova, Gavalohi, Tiara Laloy Lava is only works
• 10:33
  if he has about Sakhi Tim Bisa Daikon.
• 10:39
  If he if he says he says I'll be if he lets in, I'm giving you a
• 10:44
  Sakhi team. He'll give me back.
• 10:46
  I think the translations Millet, whatever it is, you'll give me
• 10:52
  back a saw of a different grain, even if they're same exact
• 10:57
  price. He has Daikon that is still also
• 11:02
  the Hector of only on that which he's borrowing, not on that
• 11:08
  which he is not, not on something else.
• 11:11
  It's not the saw. It's a Saki team, which which
• 11:14
  works to be no, because of the point is that you want to say
• 11:23
  it's it's it's one of the things is, is that like we said, we
• 11:27
  said earlier, case of of the Hoshimi, like when you want to
• 11:31
  do Avoda, the Hoshimi, like, you know, all you know, I'll, I'll
• 11:36
  do the feature for you and and you'll do the feature back.
• 11:39
  I'll do what you know, like, you know, if if the second, if the
• 11:42
  second thing is, is, is a is a different Avoda, even if it's
• 11:47
  technically, you know, they pay the same amount per hour or
• 11:49
  whatever they say. That's I mean, it doesn't work
• 11:51
  because it could be it's nothing is exactly the same.
• 11:54
  I mean the robot and it could be it could end up it could end up.
• 12:00
  Yeah, Yeah, but I'll show you the shot.
• 12:02
  But I'm Shane and shovels for Ulster.
• 12:04
  Sometimes it's just not 100%. The point over here is you can't
• 12:07
  predict and they might come to rivet.
• 12:09
  So therefore, because also it's a hectare because of the cash
• 12:15
  bonus of how the war learns, don't apply if it's something
• 12:18
  different, right? It's only if it's exactly the
• 12:20
  same thing. You have dollar if you have if
• 12:23
  you're borrowing dollars, you have to, you know, he has to
• 12:25
  have dollar, London dollars. He has to have a dollar, not not
• 12:29
  the the shabby, like you know, the you know, the shabbiest of
• 12:35
  you know, well, I have half a half a sterling.
• 12:37
  I don't know how much it's exerted, but I'm just saying
• 12:40
  like it doesn't it has to be the actual actual dollar, right.
• 12:45
  I mean, they have basic hit him play again, place.
• 12:54
  Place is your is your measuring out and sending your price to
• 12:58
  place like something is measuring and selling your price
• 13:01
  or something. So Misha, someone's lending is
• 13:04
  someone else. Most he let's say he lent them
• 13:08
  $1000. Whatever the model says to
• 13:11
  listen, I need I need my money back now.
• 13:18
  I want to go ahead and I want to buy.
• 13:19
  I want to go buy wheat. I'm really saying the author is
• 13:24
  some like Shasha Shav the other hats the key team.
• 13:27
  So listen, I don't have the money right now, but let's make
• 13:32
  let's go ahead and say that I'm going to owe you key team
• 13:37
  instead key team Bahava, and I'm going to owe you key team
• 13:41
  instead of, you know, of, of money that that we're not saying
• 13:46
  he's converting the loans now they're.
• 13:49
  Denominated. Right now the thing over here is
• 13:53
  we're not he's not obviously the guy wants if he wants the
• 13:58
  heating because he wants the you know, that's not the case.
• 14:02
  The guy, you know the you know, he's buying the weeds in order,
• 14:05
  let's say it's a business deal in order to resell.
• 14:08
  So it doesn't make sense. So therefore he says, listen,
• 14:12
  I'll I'll get you heating. So right now, let's see what the
• 14:16
  price of heating, OK, right now. So then now now double owns in
• 14:20
  heating in the age of he team to share my so if he has he team in
• 14:26
  the exact same amount, it's it's the age low motor, right, The
• 14:30
  age low. You know where you can get it in
• 14:32
  the shark. It's called the age low.
• 14:34
  Or you know, a simple case he has in his warehouse.
• 14:38
  He has wheat because this I got wheat in my warehouse.
• 14:40
  I just don't want to pay you back now.
• 14:41
  Whenever you want you come, you come collect weed.
• 14:48
  What's actually happening? He says convert this convert,
• 14:51
  convert, make me give me a let me allow you know, let's or it
• 14:57
  could be it's a lawsuit of Mecher.
• 15:00
  No, he's not walking away. He's converting the money and
• 15:04
  let's make it into like a Mecher.
• 15:06
  You know, I, I don't know, I own, I own you know, I have
• 15:09
  wheat in storage. So you know, I'll give you
• 15:13
  whatever I'll put it. You know, I'll, I don't you
• 15:15
  know, I have wheat in the warehouse.
• 15:17
  So let's do me a favour. You know you'll put it on wheat
• 15:19
  and when you want to, you know when you I don't have the money
• 15:22
  on me right now, when you want to you, you come to the
• 15:24
  warehouse to get wheat right. So if he has the same exact
• 15:30
  amount, unlike, but I saw the saw, he killed his Amashu
• 15:35
  because of because the way the way the Sabasa works is that as
• 15:40
  a loan, as a loan goes up. So we add on to the H Lo.
• 15:45
  It's a little bit confusing, but here, but here, since it's like
• 15:50
  Makira, it's natural like a certain type of of of of sail.
• 15:54
  So therefore he has to have the action actually have the same
• 15:58
  amount. Then it's welter because then
• 16:00
  it's called like a sail a few Yalta Shah.
• 16:02
  Even if the even if the rate that you know the the price
• 16:05
  didn't come out, still it's considered it's considered it's
• 16:10
  fine being love ulcer, but if if he doesn't have it's also a few
• 16:14
  Yalta Shah. There's those sharp, I mean
• 16:25
  we're going to get into later on what there's different, there's
• 16:29
  different showery. Once they, there's a sharp
• 16:31
  bashawk, that's what we usually go by.
• 16:33
  Sharp bashawk is the is, you know, when they used to be, when
• 16:36
  they opened the shook, they said, OK, they, they, they said
• 16:39
  at this point in the season, this is what wheat's going for.
• 16:43
  I mean, supply and demand and all these different types of
• 16:45
  things. There were different rates that
• 16:47
  someone would would go ahead and buy wheat from the field before
• 16:51
  it made it to the to the market. There's a whole bunch of
• 16:54
  different, there were the whole bunch of different rates.
• 16:56
  So the thing that that if a person's in the shock, they're
• 16:59
  in the city, so they have to wait until the until the the
• 17:03
  price was set in the city. That's called Elsa Shah.
• 17:07
  If you're out in the field, If they're out in the field and
• 17:09
  they're buying in the field that that could be whatever, but they
• 17:11
  can't use that. Generally they can't use that
• 17:14
  price for now, but here he's saying whatever the price is
• 17:17
  now, even if the even if they didn't put the market price
• 17:20
  didn't come out yet. But this is a pre market.
• 17:23
  I don't know what they're going to call it price.
• 17:24
  So then then that would be OK being so.
• 17:29
  In other words, they don't he doesn't know exactly how much
• 17:33
  wheat he has to pay. That's the point.
• 17:36
  No, I mean, let's say he has enough wheat to cover.
• 17:39
  No, I think he knows exactly. No, he knows exactly.
• 17:43
  They said that he knows exactly right now the price of wheat.
• 17:46
  He owes them $1000 and the. No, that's why I said there's
• 17:51
  different charring. We say, yeah, it's a shower over
• 17:53
  here. It's the shower of Ashok, the
• 17:55
  shower of what people go into the shop to buy.
• 17:57
  But they didn't, they didn't, they didn't like the stuff they
• 18:00
  didn't release. They didn't start the market
• 18:02
  yet, so they didn't release the prices.
• 18:05
  There is a price for it. There's always a price for it,
• 18:08
  but it's not the it's not the consumer price.
• 18:11
  Let's put it let's say it like that.
• 18:12
  It's not the yeah, yeah. How much yes, yeah, yeah, yeah.
• 18:19
  So the in love. But if if he doesn't have ulcer,
• 18:22
  I feel Yatzel Shar if he doesn't have even if it was he wasn't
• 18:26
  Yatzel Shar. If he doesn't have the wheat,
• 18:29
  then it's not going to be it's not going to be a talking motor.
• 18:36
  The name on Hamaker it ain't Sarah Karaya Lajwara, but here
• 18:40
  also, just as before the Mokra is them out to say he has wheat.
• 18:45
  He doesn't need to bring Araya. We're mommying him to say that
• 18:48
  he has that he has wheat. The soda over here again is to
• 18:52
  be a similar case. You always replace the idea of
• 18:54
  heat with payers. You know someone has foreign
• 18:57
  currency. You know he he wanted he says
• 18:59
  that he has you know he wants to listen.
• 19:02
  He made the loan in, you know, made a loan in the in the
• 19:05
  shackles and OK, now, now let's see.
• 19:07
  So I need, I need to go buy dollars and listen, you know, I
• 19:10
  have a baking, you know, bank account.
• 19:11
  So Shiloh, there was a baking account is yay slow.
• 19:14
  It's a discussion in the police scheme whether if he can go, if
• 19:17
  he could go straight to the ATM and take the money out, that
• 19:21
  could be at yay slow because straight to the, you know, that
• 19:23
  that could be a session of the other already.
• 19:25
  That's because he can just take it out.
• 19:26
  There's no, it's no. The point is that yay, sure, I
• 19:29
  can go right now and and, and get it.
• 19:32
  That's the idea. Also, if it's readily available
• 19:34
  in the market is also considered.
• 19:36
  You just go get it or you see still walk 10 minutes and get
• 19:39
  it. But if it's you just make a
• 19:42
  transfer, whatever it is, then it's in the part that would be
• 19:46
  wouldn't be considered you. But if he had.
• 19:48
  But if he so let's say he says, listen, I have I have money in
• 19:51
  America, you know, and so you know, so yeah, so I'll I'll
• 19:57
  let's make the let's make the loan dollars for you and the I
• 20:00
  can get you the dollars. So that hard would be you know,
• 20:04
  will be will be motor again. That would be that would be OK.
• 20:09
  It's like he's selling. He's it's like he's selling him
• 20:11
  selling him dollars. Baeza, Hiraisha Haya, Loki team.
• 20:20
  But also have also a love if he had, let's say he had heating
• 20:25
  like the guy was stolen or a store and he was like, listen,
• 20:27
  he ordered, he ordered, he put a he put money down for wheat.
• 20:31
  But Acker's man, the guy comes back.
• 20:33
  But I'm really attain the heat team.
• 20:35
  I'm ready to listen. I got to go sell the stuff.
• 20:39
  You're the supplier I need. I need wheat, the leak off the
• 20:41
  demand. And I want to go ahead and sell
• 20:44
  the wheat and get wine for it. And this year, this year wine's
• 20:47
  going to be a Better Business. I want wine, so I'm all right,
• 20:50
  say the Osler. He says listen, do me a favor.
• 20:55
  Listen, tell you what, let's make the loan into wine like the
• 21:00
  Shah and the Shah and the Shah and the case of the Mishnah is
• 21:06
  is that he went he is a Hampshire.
• 21:09
  The whole it's one story that first he did we when you came
• 21:16
  back. Oh, I don't have wheat.
• 21:17
  That's all gone here. Let's do wine.
• 21:19
  It keeps on changing the deal. But Uncle Ponnen, it's the same.
• 21:23
  It's the same. It's the same thing that that
• 21:31
  that Uncle Ponnen that it's still it would still it would
• 21:33
  still work. But here it's right.
• 21:39
  So that's that's the thing. So that's that's the thing.
• 21:42
  It's later on and so once it's later on this this one of the of
• 21:48
  the shock, the IT was Yutsaw char.
• 21:51
  So then the he has to do that as he has to put it by that one
• 21:55
  second, one second. So a lot of these dinner will be
• 22:02
  explained a lot more could find Hey gets into Sika al Ashar like
• 22:06
  this is just this is just the you know that.
• 22:16
  Right. I mean the the shark says it's
• 22:19
  the shark quotes. What's the quoting here?
• 22:22
  He says it has to be the point of when it says the other sharks
• 22:26
  that you have to go by that rate.
• 22:28
  You can't make up your own rates right now and say and say, oh,
• 22:32
  you know, I'll give you, I'll give you, you know, I'll make
• 22:34
  you, I'll make you a deal. I'll give you more wine for the
• 22:37
  price of the wheat. You know, I'll give you a
• 22:39
  discount. That's The thing is this is the
• 22:44
  tricky part of it is, is that in every matter if he's not giving
• 22:48
  the stuff right, that second is already once there's a little
• 22:52
  bit of time in between, it's called a loan.
• 22:55
  He gave him money, he gave him the produce, he gave it.
• 22:58
  That's already called a loan unless he's like 1 transaction,
• 23:02
  but once already there's a positive transaction, then it's
• 23:05
  called then then it's called a loan.
• 23:07
  It's it's ribbista. Ribbana gets involved and it has
• 23:10
  to be done in very specific ways.
• 23:12
  It's one of the tricky parts of Ribbist.
• 23:13
  It's not ribbista. It's more the how you view each
• 23:17
  and every, every deal can have a thought of ribbista in it.
• 23:21
  If it could always be viewed as it doesn't get the product right
• 23:23
  away, then it's going to be considered the type of a type of
• 23:27
  loan. I don't even have to figure
• 23:36
  what's going on with the battery.
• 23:40
  Could be that we've just used the big batteries so much that
• 23:43
  it's. It's dying.
• 23:44
  Discharged because I charged it 2 days ago.
• 23:48
  Yeah, these things yesterday. And that was it.
• 23:51
  It shouldn't. After.
• 23:54
  After after a recharge, it shouldn't only last for one day,
• 23:57
  so that means. It's it's starting to die.
• 23:59
  Yeah. See, my question is the person
• 24:01
  has a longer person has a commodities, you know, so you
• 24:05
  call the fact that the gas like a cow.
• 24:07
  Great call leash like come on, you know, I don't know.
• 24:10
  I was wondering, I don't know if like if commodity, if that's a
• 24:12
  Yeashlow and then traders. Really need.
• 24:17
  Really need to learn, you know, all stocks, all stock.
• 24:20
  Anyone who's doing stocks, stocks are all also payers
• 24:26
  because it's the stock question is, is a stock, It's a it's like
• 24:31
  a type of you're selling a stock, it's a sale.
• 24:34
  A stock is a thing. It's Nyatomo and that can.
• 24:38
  Be bought and sold? What does that?
• 24:39
  Do look what what does that do? No, the problem is it's a sub.
• 24:44
  And so let's say I sell you a stock for a stock.
• 24:46
  The problem is the stock might go up in the meantime.
• 24:48
  A swap of stocks. A swap of stocks, No.
• 24:51
  If it's a trade, trade the trade, it's fine.
• 24:53
  But let's say you let I would look, I look at such a thing as
• 24:56
  lending or let's say you want to pay someone back with a backward
• 24:58
  stocks is that motor I guess it called payer a stock could be
• 25:02
  called payers again at straight transactions, OK, even if you
• 25:06
  start I don't know, I don't know the stock market that well and
• 25:09
  how these things work, you know, driving.
• 25:11
  Is not your standard. Yeah, it's not a standard thing,
• 25:14
  but what I'm what I'm saying with this, I'm just pointing out
• 25:17
  that like in every, in every, you know, it's, it's ribbons
• 25:22
  could crop up. And you know, like I said, a
• 25:23
  person is aware that every single time he doesn't get
• 25:26
  things straight, then you know, you have to just things can be
• 25:29
  aware, that's all. It's all I never stop this.