WEBVTT 00:00:00.000 --> 00:00:02.700 Welcome back to The Deep Dive. And before we 00:00:02.700 --> 00:00:04.360 jump into all the serious political business, 00:00:04.559 --> 00:00:06.679 we do want to start today by sending our really 00:00:06.679 --> 00:00:09.300 heartfelt Happy Veterans Day to all veterans. 00:00:09.480 --> 00:00:11.519 And to the civilians whose support made their 00:00:11.519 --> 00:00:14.099 service possible. Thank you. Absolutely. Now, 00:00:14.099 --> 00:00:16.839 let's pivot hard to Washington because our stack 00:00:16.839 --> 00:00:19.980 of sources today is, it's a high -stakes snapshot 00:00:19.980 --> 00:00:23.199 of these pressure points. We're looking at some 00:00:23.199 --> 00:00:26.559 severe legislative gridlock, a domestic economy 00:00:26.559 --> 00:00:31.480 that is causing real pain for voters, and a crucial 00:00:31.480 --> 00:00:34.079 Supreme Court decision that I think went... largely 00:00:34.079 --> 00:00:36.340 unnoticed. You really did. Our mission is to 00:00:36.340 --> 00:00:38.600 take you through the, well, the minefield Speaker 00:00:38.600 --> 00:00:40.899 Johnson is currently navigating and some of the 00:00:40.899 --> 00:00:43.280 truly baffling economic proposals coming out 00:00:43.280 --> 00:00:44.640 of the White House. That's a perfect framing. 00:00:45.000 --> 00:00:47.320 We're tracking three major dynamics for you today. 00:00:48.219 --> 00:00:50.439 First, the return of the House and the immediate 00:00:50.439 --> 00:00:53.359 serious legislative threats to the Speaker's 00:00:53.359 --> 00:00:56.820 tenure. Right. Second, this widening chasm between 00:00:56.820 --> 00:00:59.119 the administration's focus on foreign policy 00:00:59.119 --> 00:01:01.439 and the pain voters are feeling over cost of 00:01:01.439 --> 00:01:03.679 living issues. The kitchen table issues. Exactly. 00:01:03.840 --> 00:01:05.719 And the policy vacuum that's trying to fill that 00:01:05.719 --> 00:01:09.719 gap. And third, the surprising and legally significant 00:01:09.719 --> 00:01:12.760 stability that the Supreme Court just afforded 00:01:12.760 --> 00:01:14.760 to same -sex marriage. Okay, let's unpack this, 00:01:14.920 --> 00:01:17.299 starting with the House. Our sources feature 00:01:17.299 --> 00:01:20.620 that classic 1974 headline, you know, referencing 00:01:20.620 --> 00:01:23.200 Elton John, the bitch is back. A classic. And 00:01:23.200 --> 00:01:26.040 it really reflects this highly anticipated and 00:01:26.040 --> 00:01:29.280 in many circles dreaded return to the House after 00:01:29.280 --> 00:01:31.799 what, nearly seven weeks of recess? Yes, seven 00:01:31.799 --> 00:01:34.819 weeks. And the immediate pressure point is that 00:01:34.819 --> 00:01:37.599 the Senate passed a temporary budget bill. Now 00:01:37.599 --> 00:01:39.599 the House has to approve it or we're looking 00:01:39.599 --> 00:01:42.159 at a shutdown. So the speaker is facing multiple 00:01:42.159 --> 00:01:45.349 crises all at once. before the week is even out. 00:01:45.349 --> 00:01:47.849 Oh, absolutely. And the first one is just pure 00:01:47.849 --> 00:01:50.250 logistics. In political circles, they often call 00:01:50.250 --> 00:01:52.409 it white flight. Right. Votes are scheduled for 00:01:52.409 --> 00:01:55.930 this afternoon, but it's genuinely unclear if 00:01:55.930 --> 00:01:58.010 all the Republican members can even get back 00:01:58.010 --> 00:02:00.670 to D .C. in time. You're kidding. Just getting 00:02:00.670 --> 00:02:03.609 there is a problem. It is. Especially for those 00:02:03.609 --> 00:02:06.189 from rural areas who rely on these, you know, 00:02:06.409 --> 00:02:09.270 limited service regional airports. The lingering 00:02:09.270 --> 00:02:11.590 government funding issues have complicated things 00:02:11.590 --> 00:02:13.969 like air traffic controller staffing. So there 00:02:13.969 --> 00:02:16.509 are just fewer flights. So once they are physically 00:02:16.509 --> 00:02:19.189 present, then they have to face the legislative 00:02:19.189 --> 00:02:23.370 bomb threat. Precisely. Today, Johnson must swear 00:02:23.370 --> 00:02:25.490 in the new representative -elect from Arizona, 00:02:26.330 --> 00:02:29.250 Adelita Grialva. Okay. And the moment she's sworn 00:02:29.250 --> 00:02:32.300 in, She will find Thomas Massey's discharge petition. 00:02:32.860 --> 00:02:34.620 And that's the mechanism that forces a vote, 00:02:34.620 --> 00:02:37.439 right? It forces a vote. In this case, on a spending 00:02:37.439 --> 00:02:39.340 issue that the former president absolutely does 00:02:39.340 --> 00:02:41.879 not want. Our sources indicate Trump is already 00:02:41.879 --> 00:02:44.500 prepared to blame Johnson personally if that 00:02:44.500 --> 00:02:47.259 petition succeeds. Wow. So that's immediate political 00:02:47.259 --> 00:02:49.340 dynamite he has to handle. Day one. Day one. 00:02:49.520 --> 00:02:51.580 Let's pivot to the political calculus of the 00:02:51.580 --> 00:02:54.240 Obamacare subsidies. A Senate bill is likely 00:02:54.240 --> 00:02:56.620 coming to restore those subsidies, which lapsed. 00:02:56.780 --> 00:02:59.210 So. Johnson has to decide whether to even bring 00:02:59.210 --> 00:03:01.590 that bill to a vote. Why is this so dangerous 00:03:01.590 --> 00:03:04.030 for him? It's a textbook, damned if you do, damned 00:03:04.030 --> 00:03:08.210 if you don't situation. On one side, you have 00:03:08.210 --> 00:03:11.090 your swing district Republicans and they are 00:03:11.090 --> 00:03:13.009 panicking. They know they're going to get crushed. 00:03:13.229 --> 00:03:15.949 They know they will suffer devastating losses 00:03:15.949 --> 00:03:19.030 in 2026 if they're seen as the one stripping 00:03:19.030 --> 00:03:21.889 subsidies from middle class voters. They're absolutely 00:03:21.889 --> 00:03:24.590 ready to sign a discharge petition themselves 00:03:24.590 --> 00:03:27.789 to force a vote if Johnson stalls. But if he 00:03:27.789 --> 00:03:30.189 does allow the vote, he immediately makes his 00:03:30.189 --> 00:03:33.550 base furious. Who is he risking everything with 00:03:33.550 --> 00:03:36.689 there? Two incredibly powerful factions. First. 00:03:36.990 --> 00:03:39.669 Donald Trump. He wants the subsidies killed, 00:03:39.810 --> 00:03:42.370 sees it as a step towards dismantling the ACA, 00:03:42.770 --> 00:03:45.289 and second, the House Freedom Caucus. They are, 00:03:45.289 --> 00:03:47.069 you know, ideologically opposed to this kind 00:03:47.069 --> 00:03:49.750 of spending. If Johnson lets the bill pass, they 00:03:49.750 --> 00:03:51.710 could file that motion to vacate and threaten 00:03:51.710 --> 00:03:54.189 his job all over again. But if he kills the bill, 00:03:54.189 --> 00:03:56.449 he's looking at a long -term electoral disaster. 00:03:56.629 --> 00:03:58.990 Exactly. He's just delaying the inevitable bad 00:03:58.990 --> 00:04:01.770 decision until March or April, when political 00:04:01.770 --> 00:04:04.430 fear might finally force his hand. And all this 00:04:04.430 --> 00:04:06.689 is happening while the clock is ticking on the 00:04:06.689 --> 00:04:10.650 actual federal budget for FY 2025 -26, which 00:04:10.650 --> 00:04:13.289 is due January 30th. And many in his own party 00:04:13.289 --> 00:04:15.909 won't even agree to a simple continuing resolution. 00:04:16.050 --> 00:04:18.449 Which, just for our listeners, is just a short 00:04:18.449 --> 00:04:20.949 -term stopgap measure to keep the lights on. 00:04:20.970 --> 00:04:23.930 It is a true legislative minefield. It is. Moving 00:04:23.930 --> 00:04:26.870 on. The gridlock we just discussed in Congress 00:04:26.870 --> 00:04:29.589 Johnson's inability to unify the right, it seems 00:04:29.589 --> 00:04:32.529 to be mirrored by a policy vacuum in the administration. 00:04:32.839 --> 00:04:34.680 That's a great way to put it. Our sources cite 00:04:34.680 --> 00:04:37.899 this fascinating dynamic. Despite his history 00:04:37.899 --> 00:04:41.100 as the businessman president, the focus is so 00:04:41.100 --> 00:04:44.459 heavy on foreign policy, tariffs, global conflicts, 00:04:44.920 --> 00:04:47.220 while these kitchen table issues just get worse. 00:04:47.399 --> 00:04:49.779 And the evidence of voter pain is palpable. I 00:04:49.779 --> 00:04:51.480 mean, these aren't abstract inflation numbers. 00:04:51.480 --> 00:04:53.560 True. These are line item costs you see every 00:04:53.560 --> 00:04:55.800 day. Coffee prices, for instance, jumped from 00:04:55.800 --> 00:04:58.899 seven to over nine dollars a pound since January. 00:04:58.920 --> 00:05:00.959 They've seen that. And a McDonald's combo meal 00:05:00.959 --> 00:05:05.079 is now fifteen dollars. $15. Steak is up from 00:05:05.079 --> 00:05:09.279 under $12 to over $14 a pound. This is real financial 00:05:09.279 --> 00:05:11.680 strain, and voters are noticing that nobody at 00:05:11.680 --> 00:05:13.639 the top is talking about it. And White House 00:05:13.639 --> 00:05:16.600 insiders anonymously told Politico that everyone 00:05:16.600 --> 00:05:19.139 is trying to pressure the president to shift 00:05:19.139 --> 00:05:21.459 focus back to cost of living issues. Which he 00:05:21.459 --> 00:05:24.519 has avoided discussing publicly for months. And 00:05:24.519 --> 00:05:26.339 the critiques from conservatives are not holding 00:05:26.339 --> 00:05:28.889 back. They're brutal. I saw that. It's not just 00:05:28.889 --> 00:05:30.829 the public tension with, say, Marjorie Taylor 00:05:30.829 --> 00:05:33.089 Greene over things like health care and SNIP 00:05:33.089 --> 00:05:35.610 funding. No. The more serious critique came from 00:05:35.610 --> 00:05:37.329 Sean Davis, the co -founder of The Federalist. 00:05:37.370 --> 00:05:41.389 He published this, this scathing rebuke arguing 00:05:41.389 --> 00:05:44.310 the GOP has, and I'm quoting here, no accomplishments, 00:05:44.509 --> 00:05:48.149 no plans, and no vision. Wow. And he specifically 00:05:48.149 --> 00:05:49.870 noted that young people are locked out of the 00:05:49.870 --> 00:05:52.569 economy and can't own homes. When foundational 00:05:52.569 --> 00:05:54.970 conservative voices are saying that, it signals 00:05:54.970 --> 00:05:57.470 a major internal crisis. Which leads us directly 00:05:57.470 --> 00:05:59.870 to the three economic ideas recently proposed 00:05:59.870 --> 00:06:02.509 to fill this policy gap. They are. Well, they're 00:06:02.509 --> 00:06:04.529 unique. Let's start with the Obamacare replacement. 00:06:05.069 --> 00:06:07.579 Health care savings accounts. potentially subsidized 00:06:07.579 --> 00:06:09.819 by the government. Okay, but if the goal is to 00:06:09.819 --> 00:06:12.339 make people feel better about health care costs, 00:06:12.980 --> 00:06:15.480 wouldn't a government -subsidized HSA at least 00:06:15.480 --> 00:06:18.000 be a political win, even if the math is a little 00:06:18.000 --> 00:06:21.079 off? You'd think so. But only if you ignore both 00:06:21.079 --> 00:06:24.079 the math and the politics. The main critique 00:06:24.079 --> 00:06:26.920 is that HSAs are fundamentally regressive. Meaning 00:06:26.920 --> 00:06:29.360 they help the wealthy. They overwhelmingly benefit 00:06:29.360 --> 00:06:31.500 people who have the extra cash flow to contribute 00:06:31.500 --> 00:06:33.360 in the first place and get the tax benefits. 00:06:34.019 --> 00:06:36.519 Then the math gets even worse. The government 00:06:36.519 --> 00:06:38.899 spends about $100 billion a year on Obamacare 00:06:38.899 --> 00:06:42.240 subsidies. OK. But non -covered health care expenses 00:06:42.240 --> 00:06:45.279 for Americans run about $500 billion annually. 00:06:45.879 --> 00:06:48.459 That $100 billion doesn't even make a dent. So 00:06:48.459 --> 00:06:50.240 politically, the Freedom Caucus screams about 00:06:50.240 --> 00:06:52.500 the cost and Democrats scream about it being 00:06:52.500 --> 00:06:54.560 regressive. It's dead on arrival. Just completely 00:06:54.560 --> 00:06:58.379 dead. OK, next up, 50 -year mortgages. The idea 00:06:58.379 --> 00:07:00.759 is simple, right? Spread out the payments to 00:07:00.759 --> 00:07:04.120 lower the monthly bill. And this is where the 00:07:04.120 --> 00:07:06.600 profound lack of financial understanding really 00:07:06.600 --> 00:07:09.560 reveals itself. The reduction in the monthly 00:07:09.560 --> 00:07:12.850 payment is just marginal. For an average $400 00:07:12.850 --> 00:07:16.850 ,000 house, extending the loan from 30 to 50 00:07:16.850 --> 00:07:21.689 years only cuts the payment by about $233 a month. 00:07:21.709 --> 00:07:24.149 That's not enough to make a real difference for 00:07:24.149 --> 00:07:26.149 a first -time buyer. Not when you're facing a 00:07:26.149 --> 00:07:29.089 7 % interest rate. Not at all. And what happens 00:07:29.089 --> 00:07:31.129 to the total cost? That's the part that blew 00:07:31.129 --> 00:07:33.329 me away in the source material. The total cost 00:07:33.329 --> 00:07:36.250 nearly doubles. A 30 -year mortgage might have, 00:07:36.250 --> 00:07:39.930 say, $350 ,000 in interest. Right. A 50 -year 00:07:39.930 --> 00:07:42.759 loan? especially with a higher risk -based rate, 00:07:43.060 --> 00:07:46.019 could easily cost the borrower $700, maybe even 00:07:46.019 --> 00:07:49.420 $900 ,000 in total interest. That's insane. Plus, 00:07:49.560 --> 00:07:52.060 the homeowner builds no meaningful equity for 00:07:52.060 --> 00:07:55.620 decades. You're basically tied to this debt well 00:07:55.620 --> 00:07:59.060 into your retirement years. And crucially, they're 00:07:59.060 --> 00:08:01.740 not backed by Fannie Mae or Freddie Mac. Yeah. 00:08:01.860 --> 00:08:04.120 Banks won't touch them. So you save about five 00:08:04.120 --> 00:08:06.139 bucks a week, but you're ensuring you'll be paying 00:08:06.139 --> 00:08:08.079 off your own debt when your grandkids are in 00:08:08.079 --> 00:08:10.959 college. That's a good way to put it. Yes. The 00:08:10.959 --> 00:08:14.420 third idea, the $2 ,000 tariff dividends, checks 00:08:14.420 --> 00:08:17.199 for all Americans funded by tariff revenue, is 00:08:17.199 --> 00:08:19.639 the final piece of this puzzle. Which of course 00:08:19.639 --> 00:08:22.519 are mostly paid by American consumers and businesses, 00:08:22.680 --> 00:08:25.600 not foreign governments. Correct. And that economic 00:08:25.600 --> 00:08:28.660 fallacy highlights the core math problem. The 00:08:28.660 --> 00:08:31.699 U .S. has collected roughly $200 billion in tariff 00:08:31.699 --> 00:08:35.149 revenue. The cost of giving every adult $2 ,000 00:08:35.149 --> 00:08:38.110 is somewhere between $300 and $350 billion. So 00:08:38.110 --> 00:08:41.470 the math fails instantly. Instantly. On top of 00:08:41.470 --> 00:08:43.750 that, he's also promised to use that same $200 00:08:43.750 --> 00:08:46.649 billion to fund the HSAs and reduce the national 00:08:46.649 --> 00:08:49.169 debt. You can't spend the same money three times. 00:08:49.529 --> 00:08:51.450 And Congress has to approve it anyway. It's not 00:08:51.450 --> 00:08:53.929 a slush fund. Exactly. It's just not workable 00:08:53.929 --> 00:08:57.230 policy. So while Washington obsesses over unworkable 00:08:57.230 --> 00:08:59.950 ideas, the Supreme Court has quietly reinforced 00:08:59.950 --> 00:09:02.710 a critical area of social law. Let's shift to 00:09:02.710 --> 00:09:05.789 the judicial branch. The court denied cert in 00:09:05.789 --> 00:09:08.450 Davis v. Ermold. Which means Kim Davis, the former 00:09:08.450 --> 00:09:11.230 Kentucky clerk, lost her final bid to challenge 00:09:11.230 --> 00:09:14.210 the 2015 Obergefell decision. The one that legalized 00:09:14.210 --> 00:09:16.570 same -sex marriage nationwide. That's the one. 00:09:16.929 --> 00:09:19.210 And the immediate consequence for her is severe. 00:09:20.049 --> 00:09:23.429 She had to pay $100 ,000 in damages and $260 00:09:23.429 --> 00:09:26.470 ,000 in attorney's fees. And her case was always 00:09:26.700 --> 00:09:30.139 Pretty weak, inherently weak because she didn't 00:09:30.139 --> 00:09:33.820 just refuse to issue licenses herself. She dictated 00:09:33.820 --> 00:09:36.639 policy for the whole office, preventing others 00:09:36.639 --> 00:09:39.259 from doing their jobs. And the court basically 00:09:39.259 --> 00:09:42.240 confirmed you can't undo an illegal act years 00:09:42.240 --> 00:09:45.299 after the fact. So this denial, it signals a 00:09:45.299 --> 00:09:47.639 broader legal sentiment that same sex marriage 00:09:47.639 --> 00:09:50.320 is actually remarkably stable, especially compared 00:09:50.320 --> 00:09:52.600 to the volatility around abortion after Roe v. 00:09:52.759 --> 00:09:54.720 Way was overturned. That is the essential legal 00:09:54.720 --> 00:09:57.019 takeaway for you, the listener. The widespread 00:09:57.019 --> 00:09:59.820 reliance on Obergefell is the key stabilizing 00:09:59.820 --> 00:10:02.440 factor here. Hundreds of thousands of couples 00:10:02.440 --> 00:10:05.179 married in reliance on that ruling. Overturning 00:10:05.179 --> 00:10:08.679 it now would open an absolute Pandora's box of 00:10:08.679 --> 00:10:10.620 legal problems. Just think about it. What happens 00:10:10.620 --> 00:10:13.080 to adoptions, property divisions, decades of 00:10:13.080 --> 00:10:15.759 joint tax returns, social security survivor benefits? 00:10:16.019 --> 00:10:19.120 So we have to connect this back to Dobbs. Why 00:10:19.120 --> 00:10:22.409 was overturning Roe legally feasible, but overturning 00:10:22.409 --> 00:10:26.029 Obergefell is not. Well, Justice Alito, in the 00:10:26.029 --> 00:10:28.950 Dobbs opinion, expressly limited his ruling to 00:10:28.950 --> 00:10:31.269 abortion. That was the price to get five votes. 00:10:31.330 --> 00:10:34.070 Okay. And abortion is a finite event. It has 00:10:34.070 --> 00:10:36.570 a beginning and an end. Roe also suffered, you 00:10:36.570 --> 00:10:39.809 know, death by a thousand cuts over decades through 00:10:39.809 --> 00:10:42.769 state regulations. Whereas marriage is. Marriage 00:10:42.769 --> 00:10:45.250 is an ongoing state of being. And overturning 00:10:45.250 --> 00:10:47.970 of Obergefell would be sudden, traumatic, and 00:10:47.970 --> 00:10:50.919 create immediate unfixable chaos in the lives 00:10:50.919 --> 00:10:54.000 of millions. The legal and social blowback the 00:10:54.000 --> 00:10:56.360 court would face makes it highly unlikely. Even 00:10:56.360 --> 00:10:58.259 with the current conservative majority. Even 00:10:58.259 --> 00:11:00.419 with this majority. Finally, we need to note 00:11:00.419 --> 00:11:02.519 a bit of congressional heist -keeping that actually 00:11:02.519 --> 00:11:05.500 holds some real strategic meaning. The retirement 00:11:05.500 --> 00:11:08.220 of Representative Bonnie Watson Coleman. A progressive 00:11:08.220 --> 00:11:11.259 leader from New Jersey. Her departure highlights 00:11:11.259 --> 00:11:14.590 a significant trend. We already have 46 House 00:11:14.590 --> 00:11:18.169 retirements this cycle, 25 Democrats and 21 Republicans. 00:11:18.529 --> 00:11:20.710 And the total number is about average, but the 00:11:20.710 --> 00:11:22.850 significance is where they're coming from. Exactly. 00:11:23.029 --> 00:11:25.409 The majority of retirements are from the Democrats, 00:11:26.049 --> 00:11:28.470 the party that's actually predicted to take back 00:11:28.470 --> 00:11:31.350 the House in 2027. So what does it mean when 00:11:31.350 --> 00:11:34.730 the party expected to gain power is seeing more 00:11:34.730 --> 00:11:37.750 retirements? It suggests this isn't about vulnerability. 00:11:37.909 --> 00:11:41.210 It's about intentional change, a strategic passing 00:11:41.210 --> 00:11:44.190 the baton. Many of these long -serving Democrats 00:11:44.190 --> 00:11:47.169 are stepping aside to allow younger members to 00:11:47.169 --> 00:11:49.570 gain seniority now. So they're positioning the 00:11:49.570 --> 00:11:52.429 party for a deeper, more energized bench for 00:11:52.429 --> 00:11:54.929 when they take the majority. It's strategic planning, 00:11:55.769 --> 00:11:58.309 not fear of losing. We even saw a hint of this 00:11:58.309 --> 00:12:01.019 in California. Nancy Pelosi's daughter Christine 00:12:01.019 --> 00:12:03.320 chose to run for state Senate instead of her 00:12:03.320 --> 00:12:06.059 mother's house seat. Avoiding those dynastic 00:12:06.059 --> 00:12:08.460 undertones. And maybe recognizing that at age 00:12:08.460 --> 00:12:11.340 60, she was sort of counter to this new youth 00:12:11.340 --> 00:12:13.639 movement. The Democrats are actively working 00:12:13.639 --> 00:12:15.679 to reshape their public face for the next decade. 00:12:15.799 --> 00:12:18.320 So we've synthesized a Washington where Congress 00:12:18.320 --> 00:12:21.379 is returning to face these unavoidable destructive 00:12:21.379 --> 00:12:24.220 legislative crises. A presidential administration 00:12:24.220 --> 00:12:26.919 is facing a crippling economic relevance problem 00:12:26.919 --> 00:12:30.490 with nonsensical policy. And the judicial branch 00:12:30.490 --> 00:12:33.429 is quietly affirming stability in a critical 00:12:33.429 --> 00:12:36.769 social area. So what does this all mean? For 00:12:36.769 --> 00:12:40.389 our final thought, we've laid out three wildly 00:12:40.389 --> 00:12:42.809 problematic economic ideas coming from the top. 00:12:43.330 --> 00:12:46.250 HSAs, 50 -year mortgages, and tariff dividends. 00:12:46.990 --> 00:12:49.470 If these proposals are seen by policy experts 00:12:49.470 --> 00:12:52.070 across the spectrum as mathematically or politically 00:12:52.070 --> 00:12:55.100 impossible, What does that imply about the feasibility 00:12:55.100 --> 00:12:58.779 of any grand, immediate federal fix for the financial 00:12:58.779 --> 00:13:00.940 pain voters are feeling? That's a big question. 00:13:01.179 --> 00:13:03.000 Does the federal government even have the tools 00:13:03.000 --> 00:13:05.480 to solve the cost of living problem without creating 00:13:05.480 --> 00:13:07.659 even larger structural issues down the road? 00:13:07.960 --> 00:13:09.460 That is the question you, the listener, need 00:13:09.460 --> 00:13:11.759 to consider as you process all this. A tough 00:13:11.759 --> 00:13:13.899 question to chew on as we wrap up this deep dive. 00:13:14.000 --> 00:13:14.980 Thank you for joining us.