1
00:00:08,009 --> 00:00:09,541
- And we're sitting there,
trying to watch the movie,
2
00:00:09,543 --> 00:00:11,276
and this guy next to Tom
just won't shut up,
3
00:00:11,278 --> 00:00:12,277
so finally, Tom takes out
a $10 bill
4
00:00:12,279 --> 00:00:13,379
and says to him,
5
00:00:13,381 --> 00:00:14,913
"hey, buddy, I'll pay
for your popcorn
6
00:00:14,915 --> 00:00:16,915
if you promise to sit somewhere
else after you get it."
7
00:00:16,917 --> 00:00:19,284
- And then he developed
a vaccine for polio
8
00:00:19,286 --> 00:00:21,520
and tricked rumpelstiltskin
into revealing his name.
9
00:00:21,522 --> 00:00:22,521
- Oh, come on.
10
00:00:22,523 --> 00:00:23,622
You have to admit,
11
00:00:23,624 --> 00:00:25,490
that young Thomas is
a clever fellow.
12
00:00:25,492 --> 00:00:26,892
- Young Thomas?
13
00:00:26,894 --> 00:00:28,994
Is that how they talk
at his preparatory academy?
14
00:00:28,996 --> 00:00:31,430
- Hey, I told you,
his parents make him go there.
15
00:00:31,432 --> 00:00:33,364
- Gosh, has he tried
buying them some popcorn
16
00:00:33,366 --> 00:00:36,401
if they'll let him go
somewhere else?
17
00:00:36,403 --> 00:00:37,435
- Yo.
Hey, daria.
18
00:00:37,437 --> 00:00:40,139
- Yo.
- Why, young Thomas...
19
00:00:40,141 --> 00:00:41,740
How nice to see you.
20
00:00:41,742 --> 00:00:43,008
- Anybody want a ride home?
21
00:00:43,010 --> 00:00:44,409
- That's very thoughtful of you,
22
00:00:44,411 --> 00:00:46,244
but since I live
two houses down,
23
00:00:46,246 --> 00:00:47,813
I guess I'll pass.
24
00:00:47,815 --> 00:00:49,181
- Oh, yeah.
25
00:00:49,183 --> 00:00:51,316
- Well, I'll take that ride.
See you later.
26
00:00:51,318 --> 00:00:52,885
- See you later, daria.
27
00:00:52,887 --> 00:00:54,018
- Later.
28
00:01:01,595 --> 00:01:03,128
So what did you do last night?
29
00:01:03,130 --> 00:01:04,863
- Oh, you know, not much.
30
00:01:04,865 --> 00:01:06,365
- You went out with Tom?
31
00:01:06,367 --> 00:01:07,866
- Well, yeah.
32
00:01:07,868 --> 00:01:10,368
- You know, you don't have to
tiptoe around me
33
00:01:10,370 --> 00:01:12,871
like I'm some sort of
hysterical nut job.
34
00:01:12,873 --> 00:01:15,273
- There are many words
I could use to describe you.
35
00:01:15,275 --> 00:01:17,376
Hysterical is not among them.
36
00:01:17,378 --> 00:01:18,610
- I know what you think,
37
00:01:18,612 --> 00:01:19,978
but I know what I think,
38
00:01:19,980 --> 00:01:23,014
and I think I think
just as well as you think,
39
00:01:23,016 --> 00:01:23,815
don't you think?
40
00:01:23,817 --> 00:01:25,149
- Babe, if it were up to me,
41
00:01:25,151 --> 00:01:27,086
I'd want you to have
the brain power of a guy,
42
00:01:27,088 --> 00:01:28,053
but it's science.
43
00:01:28,055 --> 00:01:29,388
Men are smarter
44
00:01:29,390 --> 00:01:32,024
'cause we have more
muscle mass in our heads.
45
00:01:32,026 --> 00:01:33,625
- I'm just as smart as you,
46
00:01:33,627 --> 00:01:34,926
maybe smarter.
47
00:01:34,928 --> 00:01:36,995
- Okay, sure you are.
48
00:01:36,997 --> 00:01:39,631
- Don't you fratronize me!
49
00:01:39,633 --> 00:01:41,299
- You think I don't know
what that means?
50
00:01:41,301 --> 00:01:43,502
I know what that means!
51
00:01:43,504 --> 00:01:45,504
- They're fighting over
who's smarter?
52
00:01:45,506 --> 00:01:46,605
- There's a battle
of the titans.
53
00:01:46,607 --> 00:01:47,606
- I don't know.
54
00:01:47,608 --> 00:01:48,740
You got to give
Brittany credit
55
00:01:48,742 --> 00:01:50,008
for not feeling
like she has to conform
56
00:01:50,010 --> 00:01:51,143
to his image of her.
57
00:01:51,145 --> 00:01:52,177
- What's that
supposed to mean?
58
00:01:52,179 --> 00:01:53,579
- Huh?
59
00:01:53,581 --> 00:01:55,948
- Are you comparing Kevin
and Brittany to you and me?
60
00:01:55,950 --> 00:01:57,882
- There's, like, 16 possible
combinations there,
61
00:01:57,884 --> 00:01:59,618
and not a single one
of them works.
62
00:01:59,620 --> 00:02:02,588
- Kevin should accept Brittany
saying she's smart,
63
00:02:02,590 --> 00:02:04,890
and I should accept you
and this whole Tom worship.
64
00:02:04,892 --> 00:02:07,993
- Daria, you're making
a big leap here,
65
00:02:07,995 --> 00:02:09,961
and I don't worship Tom
or anyone else.
66
00:02:09,963 --> 00:02:11,162
Get over it.
67
00:02:11,164 --> 00:02:13,232
- I am.
68
00:02:13,234 --> 00:02:15,567
- Class, this will be
very exciting.
69
00:02:15,569 --> 00:02:17,169
We're going to
set aside our books
70
00:02:17,171 --> 00:02:19,104
and experience some
real-life economics:
71
00:02:19,106 --> 00:02:21,673
Renting an apartment,
applying for a credit card,
72
00:02:21,675 --> 00:02:23,441
opening a retirement account.
73
00:02:23,443 --> 00:02:25,844
Of course, I don't expect you
to actually rent an apartment
74
00:02:25,846 --> 00:02:27,312
or what have you.
75
00:02:27,314 --> 00:02:29,381
You'll just go through as much
of the process as you can
76
00:02:29,383 --> 00:02:31,583
and report back
on your experiences.
77
00:02:31,585 --> 00:02:34,486
Your assignment tonight is
to pick a project and a partner.
78
00:02:34,488 --> 00:02:36,121
- Excuse me.
79
00:02:36,123 --> 00:02:38,023
What if we'd prefer
to work alone?
80
00:02:38,025 --> 00:02:40,091
- I'd really rather
you work with someone, daria.
81
00:02:40,093 --> 00:02:41,326
In the real world,
82
00:02:41,328 --> 00:02:42,961
we rarely make
financial decisions
83
00:02:42,963 --> 00:02:46,365
without having to consider
someone else's needs and wishes.
84
00:02:46,367 --> 00:02:49,034
- Lousy real world.
85
00:02:49,036 --> 00:02:51,003
- So you want to do
the project alone, hmm?
86
00:02:51,005 --> 00:02:52,037
- Kind of.
87
00:02:52,039 --> 00:02:54,205
I kind of said that
to tick you off.
88
00:02:54,207 --> 00:02:55,507
- It worked.
89
00:02:55,509 --> 00:02:57,743
- Are you guys doing
that economics project together?
90
00:02:57,745 --> 00:02:58,777
- Not necessarily.
91
00:02:58,779 --> 00:02:59,878
- It's not looking good.
92
00:02:59,880 --> 00:03:01,112
- Really?
93
00:03:01,114 --> 00:03:02,714
- Aren't you working
with young mack?
94
00:03:02,716 --> 00:03:03,782
- I don't know.
95
00:03:03,784 --> 00:03:04,983
He's kind of bad with money.
96
00:03:04,985 --> 00:03:05,984
Like, he's been overdrawn
97
00:03:05,986 --> 00:03:07,853
on his allowance
for a while now.
98
00:03:07,855 --> 00:03:08,854
- How long?
99
00:03:08,856 --> 00:03:09,754
- Since third grade.
100
00:03:09,756 --> 00:03:11,022
- So, babe,
101
00:03:11,024 --> 00:03:12,924
what do you want to do
for our economics project?
102
00:03:12,926 --> 00:03:15,794
- I'm not doing any project
with you, you big ape.
103
00:03:15,796 --> 00:03:16,795
- Uh-oh.
104
00:03:16,797 --> 00:03:18,062
- Oh, yeah?
105
00:03:18,064 --> 00:03:19,864
Then who are you going to do
your project with?
106
00:03:19,866 --> 00:03:22,868
- Um...
107
00:03:22,870 --> 00:03:26,004
- Um, daria, do you want to work
with me on this project?
108
00:03:26,006 --> 00:03:27,172
- Huh?
109
00:03:27,174 --> 00:03:29,607
- Don't do me any favors.
110
00:03:29,609 --> 00:03:30,909
- Sure, Jodie, why not?
111
00:03:30,911 --> 00:03:32,077
- Okay, cool.
112
00:03:32,079 --> 00:03:33,178
- Jodie,
113
00:03:33,180 --> 00:03:35,113
Mr. Thompson
and I are not speaking,
114
00:03:35,115 --> 00:03:37,649
so do you want to do
the economics project with me?
115
00:03:37,651 --> 00:03:40,285
- Aw, gee, Brittany,
I wish I could,
116
00:03:40,287 --> 00:03:42,587
but I promised daria
I'd do it with her.
117
00:03:42,589 --> 00:03:44,222
- Oh.
118
00:03:44,224 --> 00:03:47,359
Well, um, how about you, Jane?
119
00:03:47,361 --> 00:03:49,261
- You want to do
a class project with me?
120
00:03:49,263 --> 00:03:50,928
- Well, not really,
121
00:03:50,930 --> 00:03:52,764
but I mean,
you're right here and all.
122
00:03:52,766 --> 00:03:55,734
- Oh, Brittany,
you sweet-talker, you.
123
00:03:55,736 --> 00:03:57,835
- I hate everybody.
124
00:03:57,837 --> 00:04:00,505
So you ready to work?
125
00:04:02,242 --> 00:04:03,675
- Come on, daria.
126
00:04:03,677 --> 00:04:05,643
If you don't like
any of those other projects,
127
00:04:05,645 --> 00:04:08,146
all we're left with is taking
out a small-business loan,
128
00:04:08,148 --> 00:04:09,347
renting an apartment,
129
00:04:09,349 --> 00:04:10,682
or budgeting a funeral.
130
00:04:10,684 --> 00:04:12,884
- Um, that's sweet of you,
Russell,
131
00:04:12,886 --> 00:04:14,519
but we just went out
two weeks ago,
132
00:04:14,521 --> 00:04:16,021
so I really can't go out
with you again
133
00:04:16,023 --> 00:04:17,622
for another three weeks.
134
00:04:17,624 --> 00:04:20,225
Well, I consider
a hospital visit a date.
135
00:04:20,227 --> 00:04:21,493
Sorry.
136
00:04:21,495 --> 00:04:23,895
Anyway, good luck
with the new kidney and all.
137
00:04:23,897 --> 00:04:25,263
Bye.
138
00:04:25,265 --> 00:04:27,932
- Is that by any chance
a sibling's funeral?
139
00:04:27,934 --> 00:04:29,301
- Why don't we try the loan?
140
00:04:29,303 --> 00:04:31,403
I do want to start
my own business after college.
141
00:04:31,405 --> 00:04:32,904
- Come on, Mel,
give me another shot.
142
00:04:32,906 --> 00:04:35,607
We'll have them lining up
to buy methane-powered hot tubs.
143
00:04:35,609 --> 00:04:37,209
Hey, how about this catchphrase:
144
00:04:37,211 --> 00:04:39,711
"So it smells? So what?"
145
00:04:39,713 --> 00:04:41,179
Come on, Mel.
146
00:04:41,181 --> 00:04:43,014
They're gonna repossess
my parking space.
147
00:04:43,016 --> 00:04:45,116
- Yes, let's start a business.
148
00:04:45,118 --> 00:04:47,018
Nothing like
being your own boss.
149
00:04:47,020 --> 00:04:48,386
- What should we call
our company?
150
00:04:48,388 --> 00:04:50,355
- Brink of bankruptcy,
incorporated?
151
00:04:50,357 --> 00:04:53,658
- How about
millennium project enterprises?
152
00:04:53,660 --> 00:04:55,660
- No, no, absolutely not!
153
00:04:55,662 --> 00:04:57,261
It's unethical.
It's immoral.
154
00:04:57,263 --> 00:04:58,496
It may well be illegal.
155
00:04:58,498 --> 00:05:00,431
I'll have no part of it.
156
00:05:00,433 --> 00:05:01,833
Okay, I'll do it.
157
00:05:01,835 --> 00:05:04,102
- It's a little busy in here.
158
00:05:04,104 --> 00:05:05,837
You want to take a break
and get some pizza?
159
00:05:05,839 --> 00:05:08,339
- Can I put it on my
millennium project enterprises
160
00:05:08,341 --> 00:05:09,407
expense report?
161
00:05:12,345 --> 00:05:13,845
- What do you think of this?
162
00:05:13,847 --> 00:05:15,513
We could plan a wedding.
163
00:05:15,515 --> 00:05:17,782
That sounds dreamy.
164
00:05:17,784 --> 00:05:19,017
- I guess we could say
165
00:05:19,019 --> 00:05:20,852
you're marrying your
high school sweetheart
166
00:05:20,854 --> 00:05:22,320
and I'm just there
for moral support.
167
00:05:22,322 --> 00:05:23,621
- Oh, no!
168
00:05:23,623 --> 00:05:25,524
I'm not marrying that jerk!
169
00:05:25,526 --> 00:05:27,025
- No, you're not actually...
170
00:05:27,027 --> 00:05:28,193
- I tell you what.
171
00:05:28,195 --> 00:05:29,994
We'll tell them
my high school sweetheart
172
00:05:29,996 --> 00:05:32,030
begged and begged me
to marry him,
173
00:05:32,032 --> 00:05:35,300
but I finally had enough
of all his immature behavior
174
00:05:35,302 --> 00:05:38,136
and went off to The Bahamas
to be alone and think,
175
00:05:38,138 --> 00:05:42,107
and I met a wonderful
young stablehand named Andre,
176
00:05:42,109 --> 00:05:44,209
and the minute we looked
into each other's eyes,
177
00:05:44,211 --> 00:05:45,610
we knew it had to be,
178
00:05:45,612 --> 00:05:47,946
because anyone who knows
that much about horses
179
00:05:47,948 --> 00:05:51,082
would certainly know
a lot about women.
180
00:05:51,084 --> 00:05:53,217
- You want to go get some pizza?
181
00:05:53,219 --> 00:05:55,887
- Okay, so how about we say
we want a home loan
182
00:05:55,889 --> 00:05:59,057
to build one of those, uh,
book rooms onto our house?
183
00:05:59,059 --> 00:06:00,892
'Cause, you know,
we're a couple of smart guys.
184
00:06:00,894 --> 00:06:02,127
- You mean a library?
185
00:06:02,129 --> 00:06:03,361
- No, bro,
186
00:06:03,363 --> 00:06:05,063
you're thinking
of that building downtown
187
00:06:05,065 --> 00:06:06,898
where you can rent movies
for free.
188
00:06:06,900 --> 00:06:09,834
- Why didn't I pay my dad back
in third grade?
189
00:06:09,836 --> 00:06:12,371
- Well, if you don't like
the wedding idea,
190
00:06:12,373 --> 00:06:15,907
how about shopping
for e-lec-tive surgery?
191
00:06:15,909 --> 00:06:17,175
- Too messy.
192
00:06:17,177 --> 00:06:18,844
Why don't we just use
my standard approach
193
00:06:18,846 --> 00:06:19,845
and pick the easiest?
194
00:06:19,847 --> 00:06:20,846
You like cars?
195
00:06:20,848 --> 00:06:21,846
- Sure!
196
00:06:21,848 --> 00:06:23,715
- Okay, we're buying a car.
197
00:06:23,717 --> 00:06:24,716
- Hey.
- Yo.
198
00:06:24,718 --> 00:06:26,418
- Good afternoon.
199
00:06:26,420 --> 00:06:28,053
- Likewise, I'm sure.
200
00:06:28,055 --> 00:06:30,789
- My partner and I
were just discussing
201
00:06:30,791 --> 00:06:32,223
our class project
for economics.
202
00:06:32,225 --> 00:06:34,692
- What an amusing coincidence.
203
00:06:34,694 --> 00:06:36,795
So were my partner and I.
204
00:06:36,797 --> 00:06:39,664
We're going to purchase
an automobile.
205
00:06:39,666 --> 00:06:41,332
- A coincidence, indeed,
206
00:06:41,334 --> 00:06:44,602
for we're going to purchase
an automobile too, as well.
207
00:06:44,604 --> 00:06:46,704
- Well, I suppose we'll see
208
00:06:46,706 --> 00:06:48,640
who uses
their superior intelligence
209
00:06:48,642 --> 00:06:51,542
to get the better deal,
will we not?
210
00:06:51,544 --> 00:06:52,910
- Hey, guys.
- Hey, what's up?
211
00:06:52,912 --> 00:06:54,579
- Hi!
- You want to get a slice?
212
00:06:54,581 --> 00:06:56,247
- Okay.
213
00:06:56,249 --> 00:06:58,316
- Well, that's nice.
214
00:06:58,318 --> 00:07:00,151
A boyfriend and a girlfriend
215
00:07:00,153 --> 00:07:03,387
getting a slice together
out of mutual respect.
216
00:07:03,389 --> 00:07:05,122
I would ask you to sit down,
217
00:07:05,124 --> 00:07:06,123
but as you can see,
218
00:07:06,125 --> 00:07:07,692
I'm here with my friend Jane,
219
00:07:07,694 --> 00:07:09,427
who respects my intelligence.
220
00:07:09,429 --> 00:07:11,028
- She's embellishing a little.
221
00:07:11,030 --> 00:07:12,463
- Well, I don't need
to sit with you,
222
00:07:12,465 --> 00:07:14,966
because I'll just sit with...
223
00:07:14,968 --> 00:07:17,102
Hey, mack!
224
00:07:17,104 --> 00:07:18,636
- Why don't you
sit down with us?
225
00:07:18,638 --> 00:07:20,438
- I'm not really hungry.
226
00:07:30,617 --> 00:07:33,651
- See, I'm looking
for something sporty,
227
00:07:33,653 --> 00:07:35,854
but I want to stay
in a budget.
228
00:07:35,856 --> 00:07:37,021
- Hm...
229
00:07:37,023 --> 00:07:39,057
Where did you say
you go to school again?
230
00:07:39,059 --> 00:07:40,725
- Lawndale high.
231
00:07:40,727 --> 00:07:43,027
- So just what exactly
is standard on this car,
232
00:07:43,029 --> 00:07:44,162
and what costs extra?
233
00:07:44,164 --> 00:07:45,630
- Hm, lawndale high.
234
00:07:45,632 --> 00:07:47,632
I guess being
a cheerleader and all,
235
00:07:47,634 --> 00:07:50,401
you probably like
to date football players.
236
00:07:50,403 --> 00:07:51,402
- I used to.
237
00:07:51,404 --> 00:07:52,403
- What about the warranty?
238
00:07:52,405 --> 00:07:53,638
How many years does that cover?
239
00:07:53,640 --> 00:07:56,507
- Not boring old Wally
the car salesman,
240
00:07:56,509 --> 00:07:59,077
who has his choice
of any convertible on the lot
241
00:07:59,079 --> 00:08:01,679
to pick you up with
in front of all of your friends.
242
00:08:01,681 --> 00:08:04,015
- Wow, that sounds fun,
243
00:08:04,017 --> 00:08:06,384
but I'm supposed to ask you
244
00:08:06,386 --> 00:08:09,420
about the sticker price
on the car.
245
00:08:09,422 --> 00:08:12,090
- Sticker, schmicker.
246
00:08:12,092 --> 00:08:14,926
- Now, I don't want to spend
a lot of money for this car.
247
00:08:14,928 --> 00:08:16,261
- Course not!
248
00:08:16,263 --> 00:08:18,096
You should pay what it's worth,
not a penny more.
249
00:08:18,098 --> 00:08:19,630
- Exactly!
250
00:08:19,632 --> 00:08:22,066
- 'Cause you're obviously a man
who knows what things are worth,
251
00:08:22,068 --> 00:08:25,403
so you can see why this car
is such a bargain at $20,000.
252
00:08:25,405 --> 00:08:27,338
- Yeah, but his budget
is $10,000.
253
00:08:27,340 --> 00:08:29,274
- For how many years?
- Huh?
254
00:08:29,276 --> 00:08:30,842
- $10,000 for how many years?
255
00:08:30,844 --> 00:08:32,110
One, two, five?
256
00:08:32,112 --> 00:08:34,679
'Cause you spend $10,000 today
for a crappy car
257
00:08:34,681 --> 00:08:36,347
and put two grand
of work into it a year.
258
00:08:36,349 --> 00:08:38,082
In three years,
you'll spend $16,000.
259
00:08:38,084 --> 00:08:39,884
You're six grand in the hole.
- Hm.
260
00:08:39,886 --> 00:08:41,119
- But you spend 20 grand today
261
00:08:41,121 --> 00:08:43,754
for a nice car with
a three-year warranty,
262
00:08:43,756 --> 00:08:47,258
you're spending zero instead of
two large a year on repairs.
263
00:08:47,260 --> 00:08:50,094
You come out at the end
of three years six grand ahead.
264
00:08:50,096 --> 00:08:51,663
You see what I'm saying?
- Yes, but...
265
00:08:51,665 --> 00:08:53,064
- You hang onto that car
five years,
266
00:08:53,066 --> 00:08:54,465
you've saved ten grand
in repairs,
267
00:08:54,467 --> 00:08:56,834
and since your original budget
for the car was ten grand,
268
00:08:56,836 --> 00:08:58,135
well, hell, fellas,
269
00:08:58,137 --> 00:08:59,971
it's like you just got yourself
a car for free!
270
00:08:59,973 --> 00:09:00,972
- Wait a minute.
271
00:09:00,974 --> 00:09:02,540
- Yeah, wait a minute.
272
00:09:02,542 --> 00:09:05,076
Does this thing
have cup holders?
273
00:09:05,078 --> 00:09:07,612
- And so millennium
project enterprises plans
274
00:09:07,614 --> 00:09:10,715
to empower young people to make
their own investment decisions
275
00:09:10,717 --> 00:09:13,118
so that investing becomes
as natural to them
276
00:09:13,120 --> 00:09:15,720
as, say, going out for
a fast-food hamburger.
277
00:09:15,722 --> 00:09:18,389
- Because we all know how
natural those hamburgers are.
278
00:09:18,391 --> 00:09:20,658
- And just exactly what
is your role in the company,
279
00:09:20,660 --> 00:09:21,893
miss morgendorffer?
280
00:09:21,895 --> 00:09:23,261
- Public relations officer.
281
00:09:23,263 --> 00:09:24,962
- Daria is the inside person.
282
00:09:24,964 --> 00:09:26,297
I'm the outside person.
283
00:09:26,299 --> 00:09:27,332
- Very wise decision.
284
00:09:27,334 --> 00:09:28,399
Well, I tell you what.
285
00:09:28,401 --> 00:09:29,500
It's a fascinating idea
286
00:09:29,502 --> 00:09:31,135
and very impressive
presentation,
287
00:09:31,137 --> 00:09:32,837
but two girls
still in high school
288
00:09:32,839 --> 00:09:35,173
with no business experience?
289
00:09:35,175 --> 00:09:37,241
You're what we call
high-risk applicants.
290
00:09:37,243 --> 00:09:39,177
I really don't think
the bank will give you a loan,
291
00:09:39,179 --> 00:09:42,780
unless, daria, you want to ask
your father to cosign for it.
292
00:09:42,782 --> 00:09:44,616
- I don't think I can do that.
293
00:09:44,618 --> 00:09:46,184
He's already had
one heart attack.
294
00:09:46,186 --> 00:09:47,718
- Oh, well, then... I'm sorry.
295
00:09:47,720 --> 00:09:49,053
- What about my father?
296
00:09:49,055 --> 00:09:50,121
- What about him?
297
00:09:50,123 --> 00:09:51,656
Does he know anything
about business?
298
00:09:51,658 --> 00:09:53,491
- He helped me put together
this proposal
299
00:09:53,493 --> 00:09:56,728
that you claimed
was so impressive.
300
00:09:56,730 --> 00:09:59,664
- Your father's not
Andrew Landon, is he?
301
00:09:59,666 --> 00:10:00,698
- That's him.
302
00:10:00,700 --> 00:10:01,932
- The folding coffee cup guy?
303
00:10:01,934 --> 00:10:03,034
- Yes, that's my dad.
304
00:10:03,036 --> 00:10:04,235
- Well, then, Jodie,
305
00:10:04,237 --> 00:10:05,836
you've got business savvy
in your blood.
306
00:10:05,838 --> 00:10:07,605
Why don't I run
your plan by my boss
307
00:10:07,607 --> 00:10:08,606
and see what he thinks?
308
00:10:08,608 --> 00:10:10,274
Maybe we can work
something out.
309
00:10:10,276 --> 00:10:11,476
- Why?
310
00:10:11,478 --> 00:10:13,345
You don't give loans
to high-risk applicants,
311
00:10:13,347 --> 00:10:15,647
unless maybe you're hoping
you'll get a little business
312
00:10:15,649 --> 00:10:16,881
from their fathers.
313
00:10:16,883 --> 00:10:18,316
- Now, Jodie...
314
00:10:18,318 --> 00:10:21,786
- My father's the same high-risk
color that I am, you know.
315
00:10:21,788 --> 00:10:25,089
- Well, I guess that makes me
the outside person.
316
00:10:27,928 --> 00:10:29,027
Easy, there, speedy.
317
00:10:29,029 --> 00:10:30,428
- The nerve of that idiot!
318
00:10:30,430 --> 00:10:31,763
Listening to my business plan
319
00:10:31,765 --> 00:10:33,931
and all my answers
to his questions,
320
00:10:33,933 --> 00:10:36,401
then asking if your father
would cosign the loan.
321
00:10:36,403 --> 00:10:38,235
Why?
Because you're the right color.
322
00:10:38,237 --> 00:10:39,637
- At least you called him on it.
323
00:10:39,639 --> 00:10:43,308
- All I want is to be judged
on my own merits, you know?
324
00:10:43,310 --> 00:10:45,810
- Maybe they won't be so stupid
at the next bank.
325
00:10:45,812 --> 00:10:48,613
- Maybe, maybe not.
326
00:10:48,615 --> 00:10:49,647
- Hi, girls.
327
00:10:49,649 --> 00:10:51,048
I understand you're looking
328
00:10:51,050 --> 00:10:52,917
to start up
a brand-new business.
329
00:10:52,919 --> 00:10:54,219
Tell me all about it.
330
00:10:54,221 --> 00:10:56,454
- Yes, we're very excited
about our idea,
331
00:10:56,456 --> 00:10:58,823
and we've put together
a comprehensive business plan
332
00:10:58,825 --> 00:11:01,359
with the help of my father,
Andrew Landon.
333
00:11:01,361 --> 00:11:05,296
- Oh, the folding coffee cup
guy?
334
00:11:05,298 --> 00:11:07,164
- Would you moan my name
335
00:11:07,166 --> 00:11:09,434
if I boinked you in heaven?
336
00:11:09,436 --> 00:11:10,935
Ghost hookers in the sky
tonight
337
00:11:10,937 --> 00:11:12,236
on sick, sad world.
338
00:11:12,238 --> 00:11:15,473
- Jane, will you please
turn that off and listen?
339
00:11:15,475 --> 00:11:16,640
- Sorry.
340
00:11:16,642 --> 00:11:17,641
- All right,
341
00:11:17,643 --> 00:11:19,144
so then the nice man told us
342
00:11:19,146 --> 00:11:23,214
we could have the car
for $100 over dealer's cost,
343
00:11:23,216 --> 00:11:24,683
and--
344
00:11:24,685 --> 00:11:25,817
- hey, janey.
345
00:11:25,819 --> 00:11:27,018
Hey, da--whoa!
346
00:11:29,255 --> 00:11:30,254
- Wally!
347
00:11:30,256 --> 00:11:31,422
- Hey, Jane Lane.
348
00:11:31,424 --> 00:11:34,425
I was just passing by
in a hot new vexer,
349
00:11:34,427 --> 00:11:35,859
and I remembered
your address.
350
00:11:35,861 --> 00:11:37,328
- But I didn't give it to you.
351
00:11:37,330 --> 00:11:39,697
- I looked it up
before I just passed by.
352
00:11:39,699 --> 00:11:42,767
Anyway, I saw Brittany's
old junker out front there,
353
00:11:42,769 --> 00:11:44,269
and I said to myself,
354
00:11:44,271 --> 00:11:47,205
"Wally, you can't let that girl
drive around in that death trap.
355
00:11:47,207 --> 00:11:49,307
It'll be on your conscience."
356
00:11:49,309 --> 00:11:50,741
- That's my car.
357
00:11:50,743 --> 00:11:51,776
- Yeah? Nice.
358
00:11:51,778 --> 00:11:53,811
So, Brittany,
you up for a test drive?
359
00:11:55,882 --> 00:11:58,616
"And so armed with
a realistic mission statement
360
00:11:58,618 --> 00:12:01,018
"and a detailed three-year
business plan,
361
00:12:01,020 --> 00:12:02,787
"we managed to secure
a start-up loan
362
00:12:02,789 --> 00:12:05,423
and a line of credit at
the second bank we visited."
363
00:12:05,425 --> 00:12:06,591
How does that sound?
364
00:12:06,593 --> 00:12:07,691
- Sounds like an "a".
365
00:12:07,693 --> 00:12:08,860
- That's what I think.
366
00:12:08,862 --> 00:12:10,461
"After we explained
that the whole thing
367
00:12:10,463 --> 00:12:12,030
"had only been
a school project,
368
00:12:12,032 --> 00:12:13,898
"the loan officer
shook our hands
369
00:12:13,900 --> 00:12:15,700
"and said to be sure
and come see him
370
00:12:15,702 --> 00:12:17,969
when we were really
ready to start a business."
371
00:12:17,971 --> 00:12:20,004
- And we all tripped off
into the sunset
372
00:12:20,006 --> 00:12:22,073
with a happy song on our lips.
373
00:12:22,075 --> 00:12:23,141
- Something wrong?
374
00:12:23,143 --> 00:12:24,209
- What could be wrong?
375
00:12:24,211 --> 00:12:26,144
It was a triumph
for all involved.
376
00:12:26,146 --> 00:12:27,545
- So what's the problem?
377
00:12:27,547 --> 00:12:28,546
- What problem?
378
00:12:28,548 --> 00:12:29,747
- Your problem.
379
00:12:29,749 --> 00:12:31,382
- No problem.
It's like you said.
380
00:12:31,384 --> 00:12:33,017
Armed with blah, blah,
and blah,
381
00:12:33,019 --> 00:12:34,385
we went in and got a loan
382
00:12:34,387 --> 00:12:36,087
strictly on the merits
of our work.
383
00:12:36,089 --> 00:12:37,388
- Uh-huh.
384
00:12:37,390 --> 00:12:39,390
Why don't you tell me
what you think happened?
385
00:12:39,392 --> 00:12:40,391
- Okey-doke.
386
00:12:40,393 --> 00:12:41,692
What I think happened is:
387
00:12:41,694 --> 00:12:44,128
You went to one bank,
and a loan officer dismissed you
388
00:12:44,130 --> 00:12:46,630
on the basis of your youth
and possibly your race,
389
00:12:46,632 --> 00:12:48,566
until he found out
who your father was,
390
00:12:48,568 --> 00:12:50,701
at which point
he started kissing your butt,
391
00:12:50,703 --> 00:12:52,670
you called him a hypocrite,
and we walked out.
392
00:12:52,672 --> 00:12:53,671
- That's right
393
00:12:53,673 --> 00:12:55,239
- only to go into a second bank,
394
00:12:55,241 --> 00:12:56,941
where the first words
out of your mouth
395
00:12:56,943 --> 00:12:58,209
were your father's name.
396
00:12:58,211 --> 00:12:59,744
- What are you getting at,
daria?
397
00:12:59,746 --> 00:13:01,679
- Well, which was more
hypocritical:
398
00:13:01,681 --> 00:13:03,314
The first guy's
changing his tune
399
00:13:03,316 --> 00:13:05,116
when he found out
who your father was,
400
00:13:05,118 --> 00:13:06,717
or you making sure
the second guy
401
00:13:06,719 --> 00:13:09,120
knew who your father was
before he formed an opinion?
402
00:13:09,122 --> 00:13:10,622
- Are you calling me
a hypocrite?
403
00:13:10,624 --> 00:13:12,290
- No, I'm just saying...
404
00:13:12,292 --> 00:13:14,091
- Hey, our assignment was
to get a loan,
405
00:13:14,093 --> 00:13:15,593
not save the world.
406
00:13:15,595 --> 00:13:18,963
We were supposed to approach
an adult financial situation
407
00:13:18,965 --> 00:13:21,365
like adults,
and that's exactly what I did.
408
00:13:21,367 --> 00:13:24,134
I used the resources
at my disposal to get the loan:
409
00:13:24,136 --> 00:13:25,536
My dad's name.
410
00:13:25,538 --> 00:13:28,206
And if I happened to depart
from your black-and-white world
411
00:13:28,208 --> 00:13:29,874
of ethics--
no pun intended...
412
00:13:29,876 --> 00:13:31,109
- None taken.
413
00:13:31,111 --> 00:13:33,811
- And wandered into a gray area,
then too bad.
414
00:13:33,813 --> 00:13:36,480
Maybe the first guy was
a racist, maybe not.
415
00:13:36,482 --> 00:13:38,849
Maybe I was right.
Maybe I overreacted.
416
00:13:38,851 --> 00:13:40,651
Hey, you wouldn't be
working with me
417
00:13:40,653 --> 00:13:42,020
if you weren't fighting
with Jane.
418
00:13:42,022 --> 00:13:43,087
Does that make you a racist?
419
00:13:43,089 --> 00:13:44,488
- Don't be ridiculous.
420
00:13:44,490 --> 00:13:46,590
- Don't tell me what's ethical
and what's not.
421
00:13:46,592 --> 00:13:48,559
I approached it like
a smart businessperson,
422
00:13:48,561 --> 00:13:50,295
and I got the loan.
423
00:13:50,297 --> 00:13:51,396
- Fair enough.
424
00:13:51,398 --> 00:13:52,463
- Are we done here?
425
00:13:52,465 --> 00:13:54,132
- Oh, yeah.
We're done.
426
00:13:54,134 --> 00:13:55,833
- Good.
I'll see you at school.
427
00:13:57,170 --> 00:13:58,436
Hi, Mrs. Morgendorffer.
428
00:13:58,438 --> 00:13:59,403
- Hello, Jodie.
429
00:14:11,317 --> 00:14:14,585
- So then the car salesman guy
was so sad
430
00:14:14,587 --> 00:14:17,454
when he found out
we weren't really buying a car.
431
00:14:17,456 --> 00:14:20,090
He said they had these big
conventions in The Bahamas,
432
00:14:20,092 --> 00:14:22,059
where they all talk about
the sales they made,
433
00:14:22,061 --> 00:14:24,294
and he was hoping to talk
about our sale,
434
00:14:24,296 --> 00:14:26,096
and now he couldn't.
- Poor guy.
435
00:14:26,098 --> 00:14:28,699
- And then he invited me to go
to the convention with him
436
00:14:28,701 --> 00:14:32,136
so I could see for myself.
437
00:14:32,138 --> 00:14:33,570
- Hey, what's up?
- Hey.
438
00:14:33,572 --> 00:14:35,039
- Hello, mack.
439
00:14:35,041 --> 00:14:36,607
- Excuse me, mack,
440
00:14:36,609 --> 00:14:38,242
but would you tell
these ladies
441
00:14:38,244 --> 00:14:40,945
about the awesome deal
I just made for a car?
442
00:14:40,947 --> 00:14:43,347
- Go on, tell us, mack.
443
00:14:43,349 --> 00:14:45,349
- Could everyone stop saying
my name like that?
444
00:14:45,351 --> 00:14:46,450
It's creeping me out.
445
00:14:46,452 --> 00:14:48,085
- Of course, ma...
446
00:14:48,087 --> 00:14:49,520
Um, sure.
447
00:14:49,522 --> 00:14:52,089
- Anyway, this dealer wanted
to sell us a brand-new vexer
448
00:14:52,091 --> 00:14:53,257
for the sticker price,
449
00:14:53,259 --> 00:14:55,560
20 grand, but Kevin went back
by himself,
450
00:14:55,562 --> 00:14:56,894
and by offering the guy cash,
451
00:14:56,896 --> 00:14:58,229
he got him down to $18,500.
452
00:14:58,231 --> 00:14:59,497
- You did, huh?
453
00:14:59,499 --> 00:15:00,497
- That's peculiar.
454
00:15:00,499 --> 00:15:01,798
Jane and I made a deal
455
00:15:01,800 --> 00:15:04,801
for the same car for $16,000.
456
00:15:04,803 --> 00:15:07,371
I believe that's several
thousand dollars lower
457
00:15:07,373 --> 00:15:08,906
than your arrangement,
458
00:15:08,908 --> 00:15:11,475
if my mathematics hold...
Or holds.
459
00:15:11,477 --> 00:15:12,510
- Oh, yeah?
460
00:15:12,512 --> 00:15:13,510
Let's see the paperwork.
461
00:15:13,512 --> 00:15:14,511
- What do you mean?
462
00:15:14,513 --> 00:15:15,880
I didn't really buy the car.
463
00:15:15,882 --> 00:15:16,881
- Yeah, Kevin,
464
00:15:16,883 --> 00:15:18,049
she'd have to be an idiot
465
00:15:18,051 --> 00:15:19,784
to think Mrs. Bennett
actually wanted her
466
00:15:19,786 --> 00:15:22,487
to go through
with the purchase.
467
00:15:22,489 --> 00:15:24,955
- I got to get
to that car place!
468
00:15:24,957 --> 00:15:26,357
- How'd your thing
with daria go?
469
00:15:26,359 --> 00:15:28,926
- Oh, okay, I guess.
470
00:15:31,964 --> 00:15:33,130
- Yeah?
471
00:15:33,132 --> 00:15:34,632
No, I don't want
to talk about it.
472
00:15:34,634 --> 00:15:35,767
- Talk about what?
473
00:15:35,769 --> 00:15:37,034
- Whatever it is
474
00:15:37,036 --> 00:15:38,969
you came in to have a
heart-to-heart talk about.
475
00:15:38,971 --> 00:15:41,171
- I came in to ask you
to rinse off your dishes
476
00:15:41,173 --> 00:15:42,707
before you put them
in the dishwasher.
477
00:15:42,709 --> 00:15:44,208
Your father found a cheese fry
478
00:15:44,210 --> 00:15:45,976
melted onto his
"world's greatest dad" cup,
479
00:15:45,978 --> 00:15:47,645
and he thought it was
some kind of rodent.
480
00:15:47,647 --> 00:15:49,380
Now he's sworn off coffee.
481
00:15:49,382 --> 00:15:52,617
- Then I should be hearing from
the nobel committee any day now.
482
00:15:52,619 --> 00:15:53,617
- All right, then.
483
00:15:53,619 --> 00:15:55,219
I'll leave you
to your reading.
484
00:15:55,221 --> 00:15:58,022
- Don't I seem inordinately
unhappy to you?
485
00:15:58,024 --> 00:16:02,293
- I don't want to pry.
486
00:16:02,295 --> 00:16:03,427
Well...
487
00:16:03,429 --> 00:16:06,164
I did overhear
your argument with Jodie.
488
00:16:06,166 --> 00:16:08,299
- Do you think I'm a rigid,
unrealistic,
489
00:16:08,301 --> 00:16:10,101
unforgiving,
self-righteous jerk
490
00:16:10,103 --> 00:16:11,602
who can't hold on to a friend?
491
00:16:11,604 --> 00:16:13,504
- She didn't say
anything like that.
492
00:16:13,506 --> 00:16:14,638
- But do you?
493
00:16:14,640 --> 00:16:16,774
- Daria, you have
strong beliefs,
494
00:16:16,776 --> 00:16:18,242
and you want to live by them.
495
00:16:18,244 --> 00:16:20,111
That's not a fault
or a character flaw.
496
00:16:20,113 --> 00:16:21,645
It's admirable.
497
00:16:21,647 --> 00:16:23,314
It's what makes you who you are.
498
00:16:23,316 --> 00:16:24,515
- Jodie didn't think so.
499
00:16:24,517 --> 00:16:27,251
- Jodie is a little more
pragmatic than you are.
500
00:16:27,253 --> 00:16:29,954
She didn't appreciate
being criticized for it.
501
00:16:29,956 --> 00:16:30,988
- I don't blame her.
502
00:16:30,990 --> 00:16:32,824
- And since she's pragmatic,
503
00:16:32,826 --> 00:16:35,360
she also knows that the fact
that someone's having a bad day
504
00:16:35,362 --> 00:16:37,661
doesn't make them a bad person.
505
00:16:37,663 --> 00:16:38,963
- What about someone
506
00:16:38,965 --> 00:16:40,664
with a pattern
of alienating people
507
00:16:40,666 --> 00:16:42,700
with her self-righteous
pronouncements?
508
00:16:42,702 --> 00:16:46,037
- People aren't as easily
alienated as you think, daria.
509
00:16:46,039 --> 00:16:48,372
Ask Jane.
She'll tell you.
510
00:16:49,843 --> 00:16:51,308
- And in conclusion,
511
00:16:51,310 --> 00:16:53,577
this project taught us
several valuable lessons
512
00:16:53,579 --> 00:16:55,946
about financial transactions
in the real world.
513
00:16:55,948 --> 00:16:59,617
- Yeah, like never leave
a cash down payment.
514
00:17:03,123 --> 00:17:05,689
Oh, gosh!
515
00:17:05,691 --> 00:17:08,059
Don't let them
see me like this.
516
00:17:08,061 --> 00:17:10,127
- Um, thank you very much.
517
00:17:10,129 --> 00:17:12,730
- Well, that was
certainly informative.
518
00:17:12,732 --> 00:17:14,532
Now let's hear
from Jodie and daria,
519
00:17:14,534 --> 00:17:18,502
who went out seeking a loan
to start a new business.
520
00:17:18,504 --> 00:17:21,071
- Before visiting banks
to apply for a loan,
521
00:17:21,073 --> 00:17:24,041
we realized we would have to
have all our numbers in order.
522
00:17:24,043 --> 00:17:26,743
We also tried to anticipate
the bankers' questions
523
00:17:26,745 --> 00:17:28,812
and be ready
with detailed answers.
524
00:17:28,814 --> 00:17:30,514
- Although what
actually got us the loan
525
00:17:30,516 --> 00:17:33,050
had little to do
with all that preparation.
526
00:17:33,052 --> 00:17:36,287
It was being flexible enough
to tailor our approach
527
00:17:36,289 --> 00:17:38,889
to what would make the
bank officer feel comfortable
528
00:17:38,891 --> 00:17:41,058
about lending us money.
529
00:17:41,060 --> 00:17:43,160
- Um, we started
by defining internally
530
00:17:43,162 --> 00:17:46,997
exactly what our financial
objectives would be.
531
00:17:46,999 --> 00:17:48,332
- Hey, daria.
532
00:17:48,334 --> 00:17:50,267
That was nice what you said
in that presentation.
533
00:17:50,269 --> 00:17:51,602
- Don't get conceited.
534
00:17:51,604 --> 00:17:53,938
The only reason I changed
my mind about what you did
535
00:17:53,940 --> 00:17:56,306
is that I was wrong
and I acted like a clod.
536
00:17:56,308 --> 00:17:57,541
- That's two reasons.
537
00:17:57,543 --> 00:17:58,976
- Rub it in, why don't you?
538
00:17:58,978 --> 00:18:01,179
- Listen, I shouldn't have
bitten your head off either.
539
00:18:01,181 --> 00:18:02,413
I'm sorry about that.
540
00:18:02,415 --> 00:18:03,647
- Don't worry about it.
541
00:18:03,649 --> 00:18:05,716
I was tired of that head
anyway.
542
00:18:05,718 --> 00:18:06,850
- See you later?
543
00:18:06,852 --> 00:18:07,918
- Later.
544
00:18:07,920 --> 00:18:09,587
- Hey.
- Hey.
545
00:18:09,589 --> 00:18:12,156
- Couldn't help overhearing that
you've been acting like a clod.
546
00:18:12,158 --> 00:18:14,925
- Yeah, I'll bet
that came as a big shock.
547
00:18:14,927 --> 00:18:16,860
Well, at least
she acted stupid too,
548
00:18:16,862 --> 00:18:19,029
so we both had to apologize.
549
00:18:19,031 --> 00:18:20,664
- Yeah. Imagine
how bad you'd feel
550
00:18:20,666 --> 00:18:22,099
if you'd been behaving
like that
551
00:18:22,101 --> 00:18:24,235
toward someone who hadn't even
done anything to you.
552
00:18:24,237 --> 00:18:25,936
- Yeah, just imagine.
553
00:18:25,938 --> 00:18:26,970
Listen, Jane, i--
554
00:18:26,972 --> 00:18:28,072
- on the other hand,
555
00:18:28,074 --> 00:18:29,740
imagine if you had
this really good friend
556
00:18:29,742 --> 00:18:31,041
who was having
a really bad week,
557
00:18:31,043 --> 00:18:32,176
and this friend's been acting
558
00:18:32,178 --> 00:18:33,344
pretty much like a jerk
toward you.
559
00:18:33,346 --> 00:18:34,678
- Yeah.
560
00:18:34,680 --> 00:18:36,747
- But you already know
how badly she feels about it.
561
00:18:36,749 --> 00:18:37,782
You with me?
562
00:18:37,784 --> 00:18:38,849
- Um, I think so.
563
00:18:38,851 --> 00:18:40,251
- Maybe it's this friend
564
00:18:40,253 --> 00:18:42,085
that you don't get to see
as often as you used to,
565
00:18:42,087 --> 00:18:43,654
but you still care
just as much about her,
566
00:18:43,656 --> 00:18:44,688
and you hate to see her unhappy.
567
00:18:44,690 --> 00:18:46,189
- Yeah.
568
00:18:46,191 --> 00:18:48,626
- Well, maybe you'd just forgive
that friend for what she did
569
00:18:48,628 --> 00:18:50,461
without even asking
for an apology,
570
00:18:50,463 --> 00:18:52,362
just to let her know, you know,
571
00:18:52,364 --> 00:18:54,231
that you're still best friends.
572
00:18:54,233 --> 00:18:56,867
- That's an interesting scenario
you propose.
573
00:18:56,869 --> 00:18:59,536
Suppose that left your friend,
um, kind of embarrassed
574
00:18:59,538 --> 00:19:00,671
and speechless?
575
00:19:00,673 --> 00:19:02,106
- Well, then, I'd just tell her
576
00:19:02,108 --> 00:19:03,708
that I'd meet her
for pizza after school.
577
00:19:03,710 --> 00:19:05,442
Give the kid some time
to collect herself.
578
00:19:05,444 --> 00:19:06,977
- Sounds like a good idea.
579
00:19:06,979 --> 00:19:09,413
- I thought so.
580
00:19:11,017 --> 00:19:13,183
- So then Brittany says
to this Wally guy,
581
00:19:13,185 --> 00:19:15,886
"did they have football
when you went to high school?"
582
00:19:15,888 --> 00:19:18,555
- This is what I get for
putting down your Tom stories.
583
00:19:18,557 --> 00:19:21,892
- Hey, I've still got a bunch
of those you haven't heard.
584
00:19:21,894 --> 00:19:25,562
- Let's never, ever
fight again, okay?
585
00:19:25,564 --> 00:19:29,599
We shan't let anything
mar our love.
586
00:19:29,601 --> 00:19:31,368
- Oh, babe, you're so hot.
587
00:19:31,370 --> 00:19:33,670
- Oh, kevie.
588
00:19:33,672 --> 00:19:35,706
- Looks like everything's
back to normal
589
00:19:35,708 --> 00:19:37,808
in the land
of slow-witted love.
590
00:19:37,810 --> 00:19:38,809
- Wally!
591
00:19:38,811 --> 00:19:40,076
- Wally?
Who's Wally?
592
00:19:40,078 --> 00:19:41,645
- Hey, Brittany,
some idiot bought a car
593
00:19:41,647 --> 00:19:42,980
and then returned it
the next day.
594
00:19:42,982 --> 00:19:44,181
Now I got to sell it
as used.
595
00:19:44,183 --> 00:19:46,016
How'd you like a brand-new vexer
for half price?
596
00:19:46,018 --> 00:19:48,553
- Wow!
- Hey, wait! That's my car!
597
00:19:48,555 --> 00:19:50,187
You can't buy it
for half price!
598
00:19:50,189 --> 00:19:51,622
- Why not? You returned it.
599
00:19:51,624 --> 00:19:52,757
- I thought you loved me.
600
00:19:52,759 --> 00:19:53,758
What a traitor!
601
00:19:53,760 --> 00:19:54,759
- Traitor?
602
00:19:54,761 --> 00:19:55,759
I can't believe you...
603
00:19:55,761 --> 00:19:57,394
- Oh, it's just like you...
604
00:19:57,396 --> 00:20:00,063
- Yup.
Everything's back to normal.
605
00:20:02,801 --> 00:20:05,736
Captioning by