1 00:00:00,000 --> 00:00:01,760 Welcome back to the Deep Dive. 2 00:00:01,760 --> 00:00:04,560 Today we're really diving deep into the aftermath 3 00:00:04,560 --> 00:00:05,920 of Hurricane Ian. 4 00:00:05,920 --> 00:00:09,080 Specifically, we're looking at the insurance claims process, 5 00:00:09,080 --> 00:00:11,200 something that could really impact any of us. 6 00:00:11,200 --> 00:00:12,360 Yeah, absolutely. 7 00:00:12,360 --> 00:00:14,120 You've given me some pretty intense stuff 8 00:00:14,120 --> 00:00:17,800 to work with, news reports, firsthand accounts, the works, 9 00:00:17,800 --> 00:00:20,160 and it really paints the starked picture 10 00:00:20,160 --> 00:00:22,640 of what homeowners were up against after the storm, 11 00:00:22,640 --> 00:00:25,640 especially when it came to dealing with insurance. 12 00:00:25,640 --> 00:00:27,160 So let's just jump right in. 13 00:00:27,160 --> 00:00:28,520 We've got a lot to unpack. 14 00:00:28,520 --> 00:00:29,020 For sure. 15 00:00:29,020 --> 00:00:32,560 And it's like we always say, big disasters often shine 16 00:00:32,560 --> 00:00:36,200 a light on the issues in the systems we depend on, right? 17 00:00:36,200 --> 00:00:38,560 And while Hurricane Ian was obviously 18 00:00:38,560 --> 00:00:41,920 devastating on its own, it's how the insurance companies reacted 19 00:00:41,920 --> 00:00:46,200 afterward that makes this deep dive particularly concerning, 20 00:00:46,200 --> 00:00:47,280 I guess you could say. 21 00:00:47,280 --> 00:00:48,400 Yeah, I'd say so. 22 00:00:48,400 --> 00:00:50,080 And the 60 minutes piece we're looking at 23 00:00:50,080 --> 00:00:51,280 doesn't beat around the bush either. 24 00:00:51,280 --> 00:00:54,480 They come right out and call Ian deadly and extremely 25 00:00:54,480 --> 00:00:55,520 destructive. 26 00:00:55,520 --> 00:00:57,680 And that's backed up by the report you sent over that said 27 00:00:57,680 --> 00:01:00,320 it was the costliest hurricane in Florida's history. 28 00:01:00,320 --> 00:01:03,920 Yeah, and it's easy to just hear those words and not really 29 00:01:03,920 --> 00:01:07,080 grasp the actual scale of the damage. 30 00:01:07,080 --> 00:01:10,320 We're talking over 150 lives lost in Florida alone, 31 00:01:10,320 --> 00:01:12,880 billions upon billions of dollars in damage. 32 00:01:12,880 --> 00:01:14,920 And cities like Fort Myers and Naples 33 00:01:14,920 --> 00:01:17,600 were just completely unrecognizable. 34 00:01:17,600 --> 00:01:20,760 That level of destruction, it would overwhelm any system. 35 00:01:20,760 --> 00:01:22,480 And it looks like we're seeing the cracks 36 00:01:22,480 --> 00:01:24,120 starting to show in how insurance companies are 37 00:01:24,120 --> 00:01:24,640 handling everything. 38 00:01:24,640 --> 00:01:25,280 Absolutely. 39 00:01:25,280 --> 00:01:28,240 And those cracks, they become even more clear 40 00:01:28,240 --> 00:01:29,720 when you look at individual stories, 41 00:01:29,720 --> 00:01:31,480 like this family, the rapkans, who 42 00:01:31,480 --> 00:01:33,080 were featured in the 60 minutes piece. 43 00:01:33,080 --> 00:01:35,200 I mean, they literally had their roof ripped off 44 00:01:35,200 --> 00:01:36,080 during the hurricane. 45 00:01:36,080 --> 00:01:37,200 There's actually footage of it. 46 00:01:37,200 --> 00:01:38,320 It's pretty intense. 47 00:01:38,320 --> 00:01:41,520 And their house was completely flooded. 48 00:01:41,520 --> 00:01:42,800 I mean, just destroyed. 49 00:01:42,800 --> 00:01:43,720 Oh, yeah. 50 00:01:43,720 --> 00:01:46,160 That footage, it's hard to watch, honestly. 51 00:01:46,160 --> 00:01:49,200 Like you immediately get a sense of the raw power 52 00:01:49,200 --> 00:01:52,640 of the hurricane, the terror those people must have felt. 53 00:01:52,640 --> 00:01:55,520 It really drives home the human cost of these events, you know? 54 00:01:55,520 --> 00:01:56,800 Absolutely heartbreaking. 55 00:01:56,800 --> 00:01:59,920 And so the rapkans, they did what anyone in that situation 56 00:01:59,920 --> 00:02:00,720 would do. 57 00:02:00,720 --> 00:02:03,480 They filed a claim with their insurance, heritage. 58 00:02:03,480 --> 00:02:06,680 But here's where things get a little unsettling. 59 00:02:06,680 --> 00:02:09,440 The adjuster, Jordan Lee, he inspects the damage. 60 00:02:09,440 --> 00:02:11,920 And everything seems to point to a total rebuild, right? 61 00:02:11,920 --> 00:02:14,200 But the payout, they offered the family nowhere 62 00:02:14,200 --> 00:02:15,400 near what he recommended. 63 00:02:15,400 --> 00:02:17,360 And that right there, that difference 64 00:02:17,360 --> 00:02:19,080 between what the adjuster determined 65 00:02:19,080 --> 00:02:22,360 and what they actually paid out, that's a major red flag. 66 00:02:22,360 --> 00:02:24,440 Makes you wonder if there's something systematic going on 67 00:02:24,440 --> 00:02:28,120 here in how these companies assess and process these claims, 68 00:02:28,120 --> 00:02:31,920 especially after a huge disaster when everyone's scrambling. 69 00:02:31,920 --> 00:02:33,120 Right, exactly. 70 00:02:33,120 --> 00:02:36,280 And it's not an isolated incident either. 71 00:02:36,280 --> 00:02:39,160 The report goes on to say that Jordan Lee wasn't the only one 72 00:02:39,160 --> 00:02:40,720 with this experience. 73 00:02:40,720 --> 00:02:42,880 Other adjusters have come forward with similar stories 74 00:02:42,880 --> 00:02:45,000 claiming some companies were pushing them to change 75 00:02:45,000 --> 00:02:47,960 their damage reports to make the payouts less. 76 00:02:47,960 --> 00:02:49,240 See, that's what's concerning. 77 00:02:49,240 --> 00:02:52,680 This isn't about small discrepancies or differences 78 00:02:52,680 --> 00:02:53,440 of opinion. 79 00:02:53,440 --> 00:02:54,680 These adjusters are saying there's 80 00:02:54,680 --> 00:02:58,480 actual manipulation going on with these damage assessments, 81 00:02:58,480 --> 00:03:00,040 especially when it comes to roofs, 82 00:03:00,040 --> 00:03:03,000 which are obviously a huge expense in hurricane damage. 83 00:03:03,000 --> 00:03:06,240 Yeah, they even used the phrase systematic criminal fraud 84 00:03:06,240 --> 00:03:09,400 in the report, which is, I mean, that's a serious accusation. 85 00:03:09,400 --> 00:03:12,440 It suggests this isn't random, it's intentional. 86 00:03:12,440 --> 00:03:15,160 And one guy even said he was fired for refusing 87 00:03:15,160 --> 00:03:17,880 to underreport damages, which really takes it 88 00:03:17,880 --> 00:03:21,560 from a possible mistake to a pattern of bad behavior. 89 00:03:21,560 --> 00:03:22,760 Exactly. 90 00:03:22,760 --> 00:03:24,720 And if these allegations are true, 91 00:03:24,720 --> 00:03:28,280 it points to something, well, something very troubling. 92 00:03:28,280 --> 00:03:31,640 I mean, what would make an insurance company undervalue 93 00:03:31,640 --> 00:03:33,520 or underpay these claims, especially 94 00:03:33,520 --> 00:03:35,520 after such a horrific event? 95 00:03:35,520 --> 00:03:37,000 It's supposed to be the opposite, right? 96 00:03:37,000 --> 00:03:37,320 Right. 97 00:03:37,320 --> 00:03:39,280 I mean, isn't that the whole point of insurance? 98 00:03:39,280 --> 00:03:41,120 To be there for people when they need it most, 99 00:03:41,120 --> 00:03:42,680 what's the point of paying all those premiums 100 00:03:42,680 --> 00:03:44,720 if they aren't going to properly cover you for the very thing 101 00:03:44,720 --> 00:03:45,800 you're insured for? 102 00:03:45,800 --> 00:03:47,400 Yeah, it's a really good question. 103 00:03:47,400 --> 00:03:49,800 And it kind of forces you to think about, well, 104 00:03:49,800 --> 00:03:51,880 the more cynical side of things. 105 00:03:51,880 --> 00:03:55,120 Could it be that some insurance companies, maybe not all, 106 00:03:55,120 --> 00:03:57,480 but some, are they putting profits ahead of the people 107 00:03:57,480 --> 00:04:00,200 they insure after a disaster like Ian? 108 00:04:00,200 --> 00:04:02,720 You have to imagine the cost of paying out all those claims 109 00:04:02,720 --> 00:04:03,560 would be massive. 110 00:04:03,560 --> 00:04:04,320 Right. 111 00:04:04,320 --> 00:04:06,200 So maybe they're trying to, I don't know, 112 00:04:06,200 --> 00:04:09,600 cut corners to reduce those payouts, which is, I mean, 113 00:04:09,600 --> 00:04:11,960 that's pretty messed up if that's what's going on. 114 00:04:11,960 --> 00:04:13,400 It's definitely something that needs to be 115 00:04:13,400 --> 00:04:15,040 investigated further. 116 00:04:15,040 --> 00:04:16,960 It's not to say that these companies aren't also 117 00:04:16,960 --> 00:04:18,640 under a lot of financial pressure, 118 00:04:18,640 --> 00:04:23,080 but that doesn't excuse any unethical or even worse, 119 00:04:23,080 --> 00:04:24,240 illegal practices. 120 00:04:24,240 --> 00:04:26,680 It's this constant balancing act, right? 121 00:04:26,680 --> 00:04:28,880 They need to make money, sure, but they also 122 00:04:28,880 --> 00:04:30,520 have to honor the agreements they made 123 00:04:30,520 --> 00:04:31,920 with their policy holders. 124 00:04:31,920 --> 00:04:33,120 Totally. 125 00:04:33,120 --> 00:04:36,640 And speaking of which, what about heritage specifically? 126 00:04:36,640 --> 00:04:38,360 I know the 60 Minutes Report mentioned 127 00:04:38,360 --> 00:04:40,280 they reached out to them for a comment. 128 00:04:40,280 --> 00:04:43,280 Did heritage have any explanation for these accusations? 129 00:04:43,280 --> 00:04:44,160 They did, yeah. 130 00:04:44,160 --> 00:04:46,440 They put out a statement, some standard stuff. 131 00:04:46,440 --> 00:04:48,360 They couldn't comment on specific cases, 132 00:04:48,360 --> 00:04:50,320 but they stressed that they're committed to paying out 133 00:04:50,320 --> 00:04:53,120 every single claim that's legitimate. 134 00:04:53,120 --> 00:04:54,600 But there was something else they said 135 00:04:54,600 --> 00:04:55,640 that I found interesting. 136 00:04:55,640 --> 00:04:58,040 They mentioned they'd recently updated their software 137 00:04:58,040 --> 00:05:01,800 that handles claims, because apparently it wasn't including 138 00:05:01,800 --> 00:05:05,280 the names of adjusters who made changes to the reports. 139 00:05:05,280 --> 00:05:06,120 Hold on, wait. 140 00:05:06,120 --> 00:05:08,200 So their software was automatically 141 00:05:08,200 --> 00:05:10,320 removing the names of adjusters who were changing 142 00:05:10,320 --> 00:05:11,560 damage assessments? 143 00:05:11,560 --> 00:05:14,520 That seems, I don't know, awfully convenient if you ask me. 144 00:05:14,520 --> 00:05:18,320 Yeah, it definitely raises some questions for sure. 145 00:05:18,320 --> 00:05:21,760 Was it really just an oversight in their software? 146 00:05:21,760 --> 00:05:24,040 Or are we talking about an intentional attempt 147 00:05:24,040 --> 00:05:26,320 to cover up potential manipulation? 148 00:05:26,320 --> 00:05:27,800 And even if it was a mistake, it still 149 00:05:27,800 --> 00:05:30,640 makes you wonder about their internal controls. 150 00:05:30,640 --> 00:05:32,840 Like how did something like that slip through the cracks? 151 00:05:32,840 --> 00:05:34,080 Exactly. 152 00:05:34,080 --> 00:05:35,960 Even if we give them the benefit of the doubt, 153 00:05:35,960 --> 00:05:39,080 it still points to a potential systemic problem, 154 00:05:39,080 --> 00:05:42,280 either a lack of transparency or something more intentional. 155 00:05:42,280 --> 00:05:43,400 And that's not OK. 156 00:05:43,400 --> 00:05:46,480 And that's a huge challenge for people, for home buyers, right? 157 00:05:46,480 --> 00:05:48,640 Most people don't have the time or the knowledge 158 00:05:48,640 --> 00:05:51,960 to go through their insurance policies with a fine-tooth comb 159 00:05:51,960 --> 00:05:55,480 or to challenge these potentially inaccurate reports. 160 00:05:55,480 --> 00:05:57,560 So what can homeowners do to protect themselves, 161 00:05:57,560 --> 00:05:59,160 especially in the middle of a disaster 162 00:05:59,160 --> 00:06:00,840 when they're already dealing with so much, 163 00:06:00,840 --> 00:06:02,680 it just feels like an impossible situation? 164 00:06:02,680 --> 00:06:04,760 It can feel that way, for sure. 165 00:06:04,760 --> 00:06:08,280 But there are things homeowners can do to even the odds 166 00:06:08,280 --> 00:06:09,960 a bit, so to speak. 167 00:06:09,960 --> 00:06:12,360 And it starts with being proactive. 168 00:06:12,360 --> 00:06:14,560 Don't wait for a hurricane to hit to finally read 169 00:06:14,560 --> 00:06:15,840 your insurance policy. 170 00:06:15,840 --> 00:06:17,640 So you're saying dust off that binder 171 00:06:17,640 --> 00:06:19,120 and actually figure out what it says. 172 00:06:19,120 --> 00:06:19,880 Exactly. 173 00:06:19,880 --> 00:06:21,640 Really pay attention to the details 174 00:06:21,640 --> 00:06:23,680 like your coverage limits, especially for things 175 00:06:23,680 --> 00:06:26,280 like roof replacements and flood damage, 176 00:06:26,280 --> 00:06:27,600 because those can be really different, 177 00:06:27,600 --> 00:06:29,120 depending on your plan. 178 00:06:29,120 --> 00:06:31,040 And if there's anything that doesn't make sense, 179 00:06:31,040 --> 00:06:33,280 don't be afraid to contact your insurance company 180 00:06:33,280 --> 00:06:34,960 and get clarification. 181 00:06:34,960 --> 00:06:38,280 When it comes to this stuff, knowledge really is power. 182 00:06:38,280 --> 00:06:39,720 And what about in the heat of the moment, 183 00:06:39,720 --> 00:06:42,120 like when a disaster has actually happened? 184 00:06:42,120 --> 00:06:44,560 What steps can people take while they're going 185 00:06:44,560 --> 00:06:47,840 through the claims process to protect themselves? 186 00:06:47,840 --> 00:06:50,200 Documentation, documentation, documentation. 187 00:06:50,200 --> 00:06:52,800 Take photos, videos, whatever you can of all the damage 188 00:06:52,800 --> 00:06:56,200 before you start cleaning up, and keep really good records 189 00:06:56,200 --> 00:06:59,000 of all communication with the insurance company, dates, 190 00:06:59,000 --> 00:07:02,480 times, names of the people you speak with, everything. 191 00:07:02,480 --> 00:07:05,640 If you can, try to be there when the adjuster comes 192 00:07:05,640 --> 00:07:08,240 to look at the damage and keep track of what they're doing. 193 00:07:08,240 --> 00:07:11,200 So basically, create a paper trail just in case. 194 00:07:11,200 --> 00:07:12,400 Exactly. 195 00:07:12,400 --> 00:07:14,840 That way, you have something to back you up 196 00:07:14,840 --> 00:07:16,400 if you need to dispute a claim 197 00:07:16,400 --> 00:07:18,680 or something doesn't add up later on. 198 00:07:18,680 --> 00:07:21,120 And never forget that you've got the right 199 00:07:21,120 --> 00:07:23,360 to ask questions throughout this whole thing. 200 00:07:23,360 --> 00:07:25,160 If something doesn't seem right, 201 00:07:25,160 --> 00:07:26,960 don't be afraid to say something. 202 00:07:26,960 --> 00:07:28,840 And if those questions aren't being answered, 203 00:07:28,840 --> 00:07:32,040 or they hit a wall with their insurance company, what then? 204 00:07:32,040 --> 00:07:34,480 Are there any other resources out there that can help? 205 00:07:34,480 --> 00:07:35,640 Absolutely. 206 00:07:35,640 --> 00:07:38,240 There are groups like your state's Department of Insurance 207 00:07:38,240 --> 00:07:40,000 that can give you advice and support. 208 00:07:40,000 --> 00:07:42,960 And there are organizations like that United Policy Holders 209 00:07:42,960 --> 00:07:44,960 Association mentioned in the report 210 00:07:44,960 --> 00:07:47,560 that can provide resources and even legal assistance 211 00:07:47,560 --> 00:07:51,320 to help people navigate the whole insurance claims process. 212 00:07:51,320 --> 00:07:52,520 It can be really complicated, 213 00:07:52,520 --> 00:07:54,080 so it's good to know there's help available. 214 00:07:54,080 --> 00:07:57,080 It is reassuring to know there's support out there. 215 00:07:57,080 --> 00:07:59,800 But I have to say, it still feels like we're looking 216 00:07:59,800 --> 00:08:01,800 at a systemic problem here. 217 00:08:01,800 --> 00:08:04,880 Are there any larger solutions to fix this issue 218 00:08:04,880 --> 00:08:07,320 within the insurance industry itself? 219 00:08:07,320 --> 00:08:09,160 You've hit on a really important point. 220 00:08:09,160 --> 00:08:11,960 This isn't just about individuals being proactive. 221 00:08:11,960 --> 00:08:15,960 It's about pushing for more transparency and accountability 222 00:08:15,960 --> 00:08:17,400 within the industry as a whole. 223 00:08:17,400 --> 00:08:18,440 So what would that look like? 224 00:08:18,440 --> 00:08:19,400 What could be done? 225 00:08:19,400 --> 00:08:22,280 Well, for one, it could mean tougher regulations 226 00:08:22,280 --> 00:08:24,240 and oversight of insurance companies, 227 00:08:24,240 --> 00:08:26,800 particularly after major disasters. 228 00:08:26,800 --> 00:08:29,280 It could also mean pushing for laws 229 00:08:29,280 --> 00:08:30,920 that give consumers more protection 230 00:08:30,920 --> 00:08:33,280 when there are disputes with insurance companies. 231 00:08:33,280 --> 00:08:36,040 And of course, it means continuing to bring these issues 232 00:08:36,040 --> 00:08:38,160 to light and holding these companies responsible 233 00:08:38,160 --> 00:08:39,600 for their actions. 234 00:08:39,600 --> 00:08:43,240 We've definitely dug up a very complex issue here, 235 00:08:43,240 --> 00:08:45,040 and there are no easy answers. 236 00:08:45,040 --> 00:08:47,080 But I think by even having this conversation, 237 00:08:47,080 --> 00:08:49,880 by taking this deep dive into the problems 238 00:08:49,880 --> 00:08:51,520 and potential solutions, 239 00:08:51,520 --> 00:08:53,840 we're moving in the right direction, wouldn't you say? 240 00:08:53,840 --> 00:08:54,680 Yeah, for sure. 241 00:08:54,680 --> 00:08:56,560 It really does feel like one of those situations 242 00:08:56,560 --> 00:08:59,160 where knowledge is power. 243 00:08:59,160 --> 00:09:00,840 The more we understand these systems 244 00:09:00,840 --> 00:09:02,400 and how they can be gained, 245 00:09:02,400 --> 00:09:04,040 the better we can protect ourselves. 246 00:09:04,040 --> 00:09:05,800 100%. 247 00:09:05,800 --> 00:09:08,600 Being aware of the problem is the first step 248 00:09:08,600 --> 00:09:10,520 to actually making things better. 249 00:09:10,520 --> 00:09:12,640 It's about evening the playing field, right? 250 00:09:12,640 --> 00:09:15,200 Not blindly trusting these big institutions, 251 00:09:15,200 --> 00:09:17,120 especially when they have so much power. 252 00:09:17,120 --> 00:09:18,480 You have to be your own advocate. 253 00:09:18,480 --> 00:09:19,600 Absolutely. 254 00:09:19,600 --> 00:09:21,880 We depend on these companies to do right by us, 255 00:09:21,880 --> 00:09:23,960 especially when something like a hurricane hits 256 00:09:23,960 --> 00:09:25,720 and throws everything into chaos, 257 00:09:25,720 --> 00:09:27,840 which, you know, it makes me wonder 258 00:09:27,840 --> 00:09:29,880 when you're facing something so big and powerful, 259 00:09:29,880 --> 00:09:32,640 what can one person, one homeowner really do? 260 00:09:32,640 --> 00:09:34,680 It feels kind of overwhelming, honestly. 261 00:09:34,680 --> 00:09:35,520 I get it. 262 00:09:35,520 --> 00:09:37,040 I totally get it. 263 00:09:37,040 --> 00:09:39,560 But it's important to remember that big changes 264 00:09:39,560 --> 00:09:41,960 always start on a smaller scale, right? 265 00:09:41,960 --> 00:09:43,520 Even just by talking about these issues, 266 00:09:43,520 --> 00:09:45,840 sharing this information with friends and family, 267 00:09:45,840 --> 00:09:48,240 you're already making a difference, raising awareness. 268 00:09:48,240 --> 00:09:50,200 And hopefully, all that awareness 269 00:09:50,200 --> 00:09:52,360 will eventually lead to bigger changes, 270 00:09:52,360 --> 00:09:54,560 whether it's demanding more transparency 271 00:09:54,560 --> 00:09:57,320 from insurance companies or, you know, 272 00:09:57,320 --> 00:09:59,240 supporting laws that protect homeowners. 273 00:09:59,240 --> 00:10:01,920 Right, like turning that feeling of helplessness 274 00:10:01,920 --> 00:10:05,080 into action, realizing that even though we're individuals, 275 00:10:05,080 --> 00:10:07,400 our voices and choices, they do add up. 276 00:10:07,400 --> 00:10:09,000 They can create a larger movement. 277 00:10:09,000 --> 00:10:09,840 Exactly. 278 00:10:09,840 --> 00:10:12,120 We're not just passive bystanders in these systems. 279 00:10:12,120 --> 00:10:13,040 We have a voice. 280 00:10:13,040 --> 00:10:14,000 We have power. 281 00:10:14,000 --> 00:10:16,920 We have the right to demand fairness and accountability. 282 00:10:16,920 --> 00:10:19,520 This deep dive has been pretty eye-opening, 283 00:10:19,520 --> 00:10:20,520 to say the least. 284 00:10:20,520 --> 00:10:22,760 We've gone from the devastation of Hurricane Ian 285 00:10:22,760 --> 00:10:24,720 to the inner workings of the insurance industry 286 00:10:24,720 --> 00:10:27,440 and the importance of, you know, taking a stand. 287 00:10:27,440 --> 00:10:30,120 So as we wrap up here, is there one big takeaway 288 00:10:30,120 --> 00:10:32,240 you wanna leave our listeners with today? 289 00:10:32,240 --> 00:10:35,040 If you remember one thing from this whole conversation, 290 00:10:35,040 --> 00:10:38,480 let it be this, knowledge is everything. 291 00:10:38,480 --> 00:10:40,400 Understand your insurance policy, 292 00:10:40,400 --> 00:10:42,080 document absolutely everything, 293 00:10:42,080 --> 00:10:44,800 and never ever be afraid to stand up for yourself. 294 00:10:44,800 --> 00:10:47,080 And if you get a roadblock, don't give up. 295 00:10:47,080 --> 00:10:48,800 There are resources out there to help. 296 00:10:48,800 --> 00:10:49,720 That's right. 297 00:10:49,720 --> 00:10:52,320 Don't be afraid to ask those tough questions, 298 00:10:52,320 --> 00:10:55,040 push back and demand the protection you deserve. 299 00:10:55,040 --> 00:10:56,880 We've been on quite a journey today, haven't we? 300 00:10:56,880 --> 00:10:58,680 We've uncovered some pretty concerning stuff, 301 00:10:58,680 --> 00:11:01,480 but we've also talked about solutions, ways to fight back. 302 00:11:01,480 --> 00:11:04,240 It's a good reminder that even when things seem bleak, 303 00:11:04,240 --> 00:11:07,880 we're not powerless, we can create a better, fairer future 304 00:11:07,880 --> 00:11:09,200 if we work together. 305 00:11:09,200 --> 00:11:11,360 And that is it for today's deep dive. 306 00:11:11,360 --> 00:11:13,680 Until next time, stay curious, stay informed, 307 00:11:13,680 --> 00:11:35,680 and stay empowered.