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Speaker 1: What's going on. Thank you so much for listening to

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this podcast. It is heard live every day from noon

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to three on WBT Radio in Charlotte. And if you

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want exclusive content like invitations to events, the weekly live stream,

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I Daily Show prep with all the links, become a patron,

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go to dpeakclendershow dot com. Make sure you hit the

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subscribe button. Get every episode for free right to your

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smartphone or tablet. And again, thank you so much for

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your support. The AP reports Los Angeles wildfire death toll

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surges to twenty four now. The twelve people remain missing.

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After a weekend spent blocking the explosive growth of fires

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that destroyed thousands of homes and killed at least twenty

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four people in the Los Angeles area. Firefighters got a

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slight break with calmer weather, but the forecast is not good.

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Weather forecast not good. They're looking at potentially more high

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winds coming in over the next twenty four to four

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eight hours, and if that happens, homes that had already burned,

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valleys that are just smoldering could flare up again. That

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sends more embers up into the air, and then you know,

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the wind takes them and blows them around and then

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they start new fires where they land. The National Weather

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Service issued red flag warnings for severe fire conditions throughout Wednesday,

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with sustained winds of fifty miles an hour gusts in

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the mountains reaching seventy miles an hour, and so the

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most dangerous day they're saying is probably going to be tomorrow.

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Los Angeles County Fire Chief Anthony C. Morone said seventy

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additional water trucks arrived to help firefighters fend off flames

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spread by renewed gusts. There was also anger being directed

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at the guy who ran against Karen Bass for mayor.

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Rick Caruso I believe is his name. He owns the

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Palisades Mall and it survived. Why because he went out

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and hired private firefighters to come in and keep his

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property intact and they succeeded. And so people are mad

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that he did this because he's looking out for his

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own property. Well, you weren't using him, right, Los Angeles

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like this. It's not like Los Angeles went and contracted

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more firefighters. So would you begrudge anybody for going in

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hiring you know, pump trucks and stuff to protect their

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own property, like this is a it's a line of

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thinking that I don't understand. I do understand. Actually, now

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that I say that, I do. It's it's envy, that's

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all it is. It's envy, usually rooted in envy of

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their money, because people think that's the answer to all

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of life's problem. Now, don't get me wrong. Money is

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the answer to a lot of problems, particularly the financial ones,

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but it's not the answer to all things. Right, The

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love of money is the root of evil. It's the

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love of money. By the way, it's not just money.

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It's the love of money. And when people cannot see others,

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just like we had that guy Larry who called in

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last week and he was talking about, Oh, it's not

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a big deal because all those people are rich, and

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they're not all rich. They may be land rich at

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this point. They may have bought their home though in

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Palisades or one of these other neighborhoods. They bought the

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home fifty sixty years ago, and the house now is

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worth a lot more money. The property is worth more money,

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or it was, But that doesn't mean they're automatically rich

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enough to walk away and start all over again. In

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some other part. And also they've lost all of their belongings,

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all of their memories, everything. And when Larry was unable

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or unwilling to see the basic humanity of somebody just

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because of what he perceives their bank balance to be, like,

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that's a good example of envy. And then of course

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he attacked me saying, oh, you've never lost anything, which,

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as I mentioned earlier, I have people of all income

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levels lose things through no fault of their own. Fires,

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burglaries for example, car accidents, loved ones get murdered, that

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kind of stuff. Like, people lose stuff all the time.

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They lose possessions all the time, and they are victims,

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and they are no less a victim because they are

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rich versus poor. It doesn't matter. The victimization is the same.

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Now that being said, there was a lot more attention

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I think being paid to the Los Angeles wildfires than

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what happened in what North Carolina. I think it's because

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there are a lot of famous people that live in

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this area that see, here's the thing. I don't have

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to pick one or the other, and neither do you.

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Both of those things can be true, right, that there

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are some people that are envious, and so they're like, oh,

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I don't really care what's happening over there, because they're rich, right,

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They judge or they give empathy based on what they

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think your bank balance is. And that's envy. And once

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you start thinking like that, by the way, and this

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is at the root of socialism, it's Marxism in a nutshell.

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It's just it's just grievance and envy. That's all it is.

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And then they you know, you can put whatever words

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you want to over it to try to argue the

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merits of this system, but at the root of it,

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it always comes down to envy. You have something that

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I want or think I should have, or I deserve more,

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and so therefore I'm going to construct this entire economics

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to take it from you and give it to me.

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That's it. But also that the coverage and the attention

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is disproportionate to what we saw in western North Carolina.

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Both of those things can be true, but it also

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indicates that the people who are envious, right, they don't

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really care. That's the thing. They're not really empathetic. Because

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the amount of coverage we have devoted on this show

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to and on WBT in general to Western North Carolina

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recovery and the disaster out there as it was occurring.

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Like that didn't go very far for Caler Larry last week.

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And the people in western North Carolina are not exactly

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Hollywood rich and famous, you know, but that didn't matter.

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The death toll now is at twenty four out in

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Los Angeles what appeared to be a small to be

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small fire. Tornadoes were spotted Friday night. The death toll

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could still be higher. They got cadaver dogs that are

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doing searches throughout these neighborhoods. They've created centers for people

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to call to report the missing. Officials are urging people

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to stay away from the neighborhoods. The looters are not listening.

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About one hundred and fifty thousand people in Los Angeles

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County remained under evacuation orders, with more than seven hundred

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taking refuge in nine shelters. Officials said most of the

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orders in the Palisades area were unlikely to be lifted

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before the red flag warnings expire on Wednesday evening. In all,

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four fires consumed more than sixty two square miles that

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is larger than San Francisco. Crews from California and nine

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other states are part of the ongoing response that includes

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fourteen hundred fire engines, now eighty four aircraft, more than

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fourteen thousand personnel, including newly arrived firefighters from Mexico. The

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fires that began Tuesday just north of downtown Los Angeles,

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so almost a week ago, had burned more than twelve

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thousand structures. No cause for the largest fires have been determined.

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One of the smaller ones, I think it's called the

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Kenneth fire, that apparently has been connected to a quote

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unquote transient arson. Early estimates suggest this could be the

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nation's costliest wildfire ever, with damage estimates estimates to be

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around one hundred and fifty billion dollars. They're also using

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prisoners did you know this? Along with crews from other

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states and Mexico, hundreds of inmates from California's prison system

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are helping fight the fires. About nine hundred and fifty

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prison firefighters were removing to and brush ahead of the

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fires to slow the spread. The practice is controversial as

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the inmates are paid very little for dangerous and difficult work.

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They get ten dollars and twenty four cents a day,

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with more if they do a twenty four hour shift,

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according to the California Department of Corrections. Governor Gavin Newsom

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issued an executive order on Sunday aimed at fast tracking

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rebuilding by suspending some environmental regulations and ensuring that property

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tax assessments were not increased. So once again, he says,

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we want you to come back, rebuild, and rebuild with

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higher quality building standards, more modern standards. So I guess, like,

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what build the houses out of those flame retardant mattresses

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and pajamas or something. I maybe everything out of stone.

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More than twenty four thousand people had registered for federal

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assistance made available by a major Disaster declary by the President,

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and Governor Newsom ordered state officials to determine why exactly

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a one hundred and seventeen million gallon reservoir was out

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of service and some hydrants had run dry. We are

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going to find out who is responsible for leading this

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state one way or the other. The leader of the

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state said, here's a great idea. How about making an

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escape to a really special and secluded getaway in western

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North Carolina. Just a quick drive up the mountain and

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cabins of Asheville. Is your connection. Whether you're celebrating an anniversary,

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a honeymoon, maybe you want to plan a memorable proposal,

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or get family and friends together for a big old reunion.

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Cabins of Asheville has the ideal spot for you where

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you can reconnect with your loved ones and the things

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that truly matter. Nestled within the breath taking fourteen thousand

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acres of the Pisga National Forest, their cabins offer a

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serene escape in the heart of the Blue Ridge Mountains.

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Centrally located between Asheville and the entrance of the Great

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Smoky Mountain National Park. It's the perfect balance of seclusion

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and proximity to all the local attractions with hot tubs, fireplaces,

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Offashville dot Com and make memories that'll last a lifetime

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real quick. This is a post from Jim Garrity at

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National Review. Quote. US News and World Report ranks each

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state on a wide variety of categories. In the most

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recent assessment, California ranked dead last in opportunity, dead last

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in affordability, seventh in employment, forty seventh in energy infrastructure,

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forty sixth in air and water quality, forty fifth in growth,

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forty second in public safety, forty second in short term

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fiscal stability, thirty seventh in K twelve education. The Tax Foundation,

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I wonder if those are related, The tax found The

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Tax Foundation ranks California forty eighth in its most recent

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State Tax Competitiveness Index. For five straight years, California has

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ranked highest in people moving out of the state that

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according to U haul Bank Rate found California was the

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forty seventh best state for retirement. In other words, like

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among the worst, California ranks fifth worst in roads and

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third worst in drivers, second highest in accident rate, second

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worst in drunk driving. And he asks, why do California

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Democrats love this guy, Gavin Newsom, These are the results

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of your policy preferences. Real Gavinism has never been tried.

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I guess, right, will that be the excuse Newsom would

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have been would have been fine. All of this stuff

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would have worked, All of these priorities and policies of

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the California Democratic controlled legislature, All of these things would

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have worked out. They just it's just this war and

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that SLB. Johnson right to quote the forced Gump villain. Seriously,

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these are the results of your decisions. Two months before

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the fires, Los Angeles Fire Chief Kristin Crowley warned city

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officials this was back in November that heard dearartment had

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about half as many firefighters as it needs when deadly

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wildfires struck the city. Two months later, Mayor Karen Bass

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pulled Crowley's memo from its website. Well, the hurt the

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mayor's administration, So I don't think the mayor was in

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there doing, you know, document burying. I think it was

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somebody in the administration. That memo has been taken down

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from their website. Crowley wrote to the city's Fire Commissioners,

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a five person board appointed by Karen Bass. She wrote

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the fire chief wrote this on November eighteenth, and asked

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them to transmit the message to the mayor and the

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city council. The fire department's size had not increased in

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decades despite significant population growth. It's one of those things

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nobody wants to pay for the services, and then they

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will demand those services. This happens all over the place

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at every level. Once again, to analogize the HOA. People

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want dues to be nothing, and they want all of

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the richest amenities. They don't want to be tagged for

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weeds growing in their yard, but they want their neighbor

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to be tagged for weeds growing in their yard. Let

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me go over and get ray On. Hello, Ray, Welcome

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to the show.

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Speaker 2: Hello Peate, how are you hey?

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Speaker 1: I'm well what's up?

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Speaker 2: As as just an average citizen that once in a

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while poses as a snowman on the street, Reporter nah

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I had something to say about California. These people are

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not stupid. The different levels of government. I think they

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kind of let these things go because they know it'll

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cause hardship on the people and cause them to move out.

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And you know they the insurance companies moving out of

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California was not an overnight surprise to them. Am I

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right back to you. Pete well, no, So.

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Speaker 1: The insurance companies have been they've been not renewing various policies,

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and different insurance carriers are making different decisions all over

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the country. Some states they're pulling out, they're not writing

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any more auto insurance. Some states aren't writing anymore homeowners.

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So it's just you know, different policies, different companies and carriers.

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So right, So I so I'm I usually default to incompetence.

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I default, Yeah, I'd rather than evil intention because I

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try not to ascribe motive to people when I don't

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know what their motives are. So I try not to

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just assume that they're doing things for evil intentions, because

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I would prefer people not do that, you know, to me. So,

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but I mean, if there's evidence, then I'm open to

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be persuaded, obviously. But I think what is usually the case,

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because it happens all the time in government and happens

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very often in the private sector as well, is that

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that the organizations become bigger and bigger and bigger, and

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they end up with mission creep. You know, they start

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doing all of these other things that are not their

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first order priorities, and then they lose sight of doing

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those first order priorities, well, they don't do them well.

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And then because of the you know, if your first

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order is to provide fire and police protection, that then

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is reflected in you know, more violent crime, higher crime

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rates and such, and uncontrollable wildfires. That's how that manifests itself.

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So I look at this as this is the natural

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outgrowth of government agencies and officials that are getting distracted

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by things that they should not be getting involved in

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in the first place.

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Speaker 2: Right, it's just to me, it's just kind of kind

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of mind blowing that somebody with their intelligence could be

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incompetent not to see the insurance companies pulling out coming.

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Speaker 1: But well yeah they did. I mean because the insurance

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companies told them, they said, look, we need we got

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to raise our rates because we cannot we can't pay

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out all of the claims that might arise in some

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sort of catastrophic wildfire. And the State of California was like, no,

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you can't raise rates. And why would they say that.

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They would say that because they don't want their constituents

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yelling and screaming at them because their insurance rates went up.

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That's it, Like, that's what it is. And that's that

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is the same in every kind of example like this,

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from the HOA to the city to the federal government.

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Nobody wants to pay the taxes, but then they demand

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all of the services that the taxes pay for, you know,

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and then when they lose sight of their first order priorities,

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then they want to blame somebody else because they went

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and redirected all of the tax money to something else,

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like DEI ray, I appreciate the call, sir, great report.

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All right, I hope you had a happy holiday season.

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But tell me if something like this happened at your house.

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Your family and friends are gathered around, maybe y'all are

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in the living room, You're laughing, swapping stories, reminiscing, and

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then somebody says, hey, Dad, remember those old VHS tapes?

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Did you ever get them transferred? And then the room

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00:19:20,920 --> 00:19:24,720
gets all quiet. All eyes are on Dad, who says, oh,

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you know, well, I've been meaning too, but I just

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having gotten around to it. Look, don't let those priceless

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00:19:29,880 --> 00:19:32,799
memories sit in a box for another year, all right.

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00:19:32,920 --> 00:19:35,759
Create a video has been helping families in the Charlotte

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00:19:35,759 --> 00:19:39,599
area preserve their history since nineteen ninety seven. Simply bring

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00:19:39,640 --> 00:19:43,039
in your old camquarder tapes and Creative Video will transfer

296
00:19:43,160 --> 00:19:46,319
them to a USB flash drive for just fourteen ninety

297
00:19:46,319 --> 00:19:48,680
five per tape. You have a big collection, they've got

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00:19:48,680 --> 00:19:51,799
a discount for you. And next year, instead of talking

299
00:19:51,839 --> 00:19:56,640
about those memories, imagine gathering the family to watch them together.

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00:19:56,880 --> 00:19:59,480
Talk about a memorable gift. So do what I did.

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00:19:59,559 --> 00:20:03,400
Speaker 3: Trust the experts at Creative Video, conveniently located in mint

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Hill right off I four eighty five and online at

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00:20:06,359 --> 00:20:09,759
create a video dot com.

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Speaker 1: This from at Patriot Girl. How is it legal to

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have a mortgage with no homeowners insurance? Well, if you

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have the mortgage, then the bank requires you to have

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it right, so to have the insurance. So don't have

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the mortgage. I don't know what to tell you, Like

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that's the answer to that question, right, because the bank

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wants it's it's investment protected, so they that's why they

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require the insurance. But you can get minimal insurance. You

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don't have to go above and beyond, you know, And

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then once you pay off the house, you can get

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rid of all the insurance that you want, and then

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it's your right. Once you own the house, then you

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don't have to pay any insurance for anything. So I

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did have a message here. If someone had a state

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farm flood policy, this is from Scott. If someone had

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a state farm flood policy that was recently not renewed

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and then that person suffered losses from the Helene flooding,

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could that person now sue the State of North Carolina

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for the damages that they suffered. Could they at least

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sue for the listed policy amount that was canceled because

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the State of North Carolina was ultimately responsible for the

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cancelation of that commercial property. Just wondering aloud, Yeah, good

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luck suing any government. I understand the logic of it.

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I think it's probably most obvious with the La wildfire thing,

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because I mean, I don't think you have those kinds

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of issues with the western North Carolina disaster because it

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was a you know, I'm not aware of any state

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mandates or anything that affected the dropping of the flood

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insurance in western North Carolina prior to the disaster in

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food in California. Rather, that is the case, right these

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insurance carriers, we're not renewing policies because they could not

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afford without a premium increase, and the state said no,

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you can't raise rates, and everybody, look, I got a

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story right here actually from the North Carolina Treasurer is

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saying we're going to have to raise premiums for the

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health insurance for state employees, maybe like twenty bucks a month,

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and everyone's freaking out. It's the first increase in like

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nine years. So everybody's outraged that the premium cost is

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going up twenty dollars. Nobody wants to pay more money

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for the risks for the services now. And that's not

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a defense of a system that the government has completely corrupted.

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In short circuits, the market signals. I'm not defending all

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insurance companies or the model or the government role in

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all of this. I'm not defending that. I'm just pointing

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out that people want like they want. It's like healthcare.

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It's the healthcare debate all over again. It's like, I

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want access to emergency the best emergency medical care. I

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want access to the best healthcare, preventative health care, and

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I want to pay nothing for it. How do you

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think that works? You know, Dean, Welcome to the show, Dean.

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Speaker 4: How are you pretty good?

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Speaker 2: Pete?

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Speaker 4: How about you sound good?

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Speaker 1: I'm all right, yeah, doing Okay.

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Speaker 4: Hey, you know about the insurance industry and all that.

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I understand.

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Speaker 2: You know that.

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Speaker 4: They're just sort of the bridge between paying the claims

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and the funds that they're holding. But I think they've

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been complicit with the government. You know, if you offer

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everybody everything, why wouldn't you want everything instead of being honest,

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And I think they just pushed the can down the road.

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And now it's all it's it's it's going to be

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an epidemic. It's not just little rates here and changes here.

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There's going to be huge adjustments to the insurance industry.

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You can just see it coming that North Carolina they're

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not ensuring. You know, companies are dropping North Carolina from

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their company roles. I just I think people are going

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to be in for a big shock, uh when they

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start to see what they can ensure and not insure.

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Speaker 1: Okay, you're going to have to unpack that because I

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did not follow the logic.

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Speaker 4: Okay, The logic is that now all of a sudden,

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the insurance industry is trying to play catch up. They're

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obviously in collusion with the government from the standpoint of

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of determining the rates.

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Speaker 1: Okay, let me stop all right, hang on, I'm going

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to stop you right there. What do you mean by

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the companies are in collusion with the government concerning the rates?

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Speaker 4: I mean they all they both on both sides. They

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know what's going on. I'm not saying they're in collusion

385
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just to steal from us, but they they both know

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the situation as each other, and they you know, they're

387
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they're both very big industries.

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Speaker 1: What does that mean they both know each other, they

389
00:25:20,400 --> 00:25:22,599
both know what's going What does that mean that they

390
00:25:22,680 --> 00:25:24,039
what do they what do they both know?

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Speaker 4: That means that Okay, the government knows what they want

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00:25:31,119 --> 00:25:34,039
to like you say, want to present, and the insurance

393
00:25:34,039 --> 00:25:37,319
industry is saying, well, this is what we need. So

394
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they sit down and they you know, someone holds sway,

395
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they negotiate and decide. Okay, well they don't know.

396
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Speaker 1: It's not a negotiation. The companies say, we need this

397
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amount of money for our premium increases, and then the

398
00:25:52,160 --> 00:25:55,720
state regulatory agencies say, no, you're gonna you can only

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00:25:55,799 --> 00:25:58,640
raise it this amount of money. And then and then

400
00:25:58,680 --> 00:26:02,440
when the insurance companies get told that, then they say, okay, well,

401
00:26:02,440 --> 00:26:05,839
now we can't write policies for these types of coverages

402
00:26:06,160 --> 00:26:09,680
because we could not afford to pay out in the

403
00:26:09,920 --> 00:26:13,319
event of catastrophe, so they dropped. And that's why they

404
00:26:13,319 --> 00:26:15,799
stop insuring, because they can't get the premiums to cover

405
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their risk.

406
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Speaker 4: Exactly.

407
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Speaker 1: Yes, right, So that's not so that's not collusion. That's

408
00:26:21,680 --> 00:26:25,759
the government dictating to the private sector what they would like.

409
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If State Farm had it up to them, they would

410
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have just raised everybody's premiums, but they weren't allowed to,

411
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so they dropped the policies. Those were the choices State

412
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Farm had. So I don't see that as collusion.

413
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Speaker 4: When I see and I go out and negotiate a

414
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lot of policies, I see aspects being dropped where you can,

415
00:26:47,240 --> 00:26:50,359
you know, ensure your house, but where you ensured the roof.

416
00:26:50,519 --> 00:26:53,000
Now they pro rate the roof to how old it

417
00:26:53,079 --> 00:26:56,000
is to negotiate against the claim.

418
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Speaker 1: They well, yeah, I understand why they pro rate the roof, right,

419
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because people will go and pick up an insurance policy

420
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for a roof that's like forty years old, and then

421
00:27:05,640 --> 00:27:08,160
they're going to want the roof replaced immediately after they

422
00:27:08,200 --> 00:27:12,599
pick up the policy, after they buy the policy, Yes, right,

423
00:27:12,960 --> 00:27:14,880
And that's so I would submit that's part of the

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00:27:14,880 --> 00:27:18,400
problem is people are now treating these insurance claims much

425
00:27:18,480 --> 00:27:21,200
like they treat their health insurance, which is not like

426
00:27:21,240 --> 00:27:26,200
you're using like you're using your insurance policy as like

427
00:27:26,240 --> 00:27:29,000
a savings account, and that's not what it is supposed

428
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to be about. This is what got the health industry

429
00:27:31,880 --> 00:27:35,279
and health insurance stuff into the message in People treat

430
00:27:35,279 --> 00:27:37,720
it like it's some sort of an HSA or something,

431
00:27:38,000 --> 00:27:40,960
and it's not. You know, you don't treat your car

432
00:27:41,000 --> 00:27:43,279
insurance like that. The car insurance is for a car

433
00:27:43,319 --> 00:27:45,759
accident where there's a lot of damage done. You don't

434
00:27:45,839 --> 00:27:48,039
use car insurance to pay for your oial changes.

435
00:27:48,839 --> 00:27:51,519
Speaker 4: No, No, But say I lived in my house for

436
00:27:51,559 --> 00:27:55,599
fifteen years and I've paid insurance every year for You've

437
00:27:55,599 --> 00:27:57,559
never had a claim for your root. Now, all of

438
00:27:57,559 --> 00:27:59,200
a sudden, I said, I have a claim, and they're

439
00:27:59,200 --> 00:28:00,039
going to say.

440
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Speaker 1: What is the claim forfen?

441
00:28:02,200 --> 00:28:02,720
Speaker 4: What?

442
00:28:02,720 --> 00:28:05,640
Speaker 1: What is the answerance? No? No, no, no, But what's the claim

443
00:28:05,759 --> 00:28:11,119
for what happened to your roof? Was there a hailstorm? Yeah,

444
00:28:11,200 --> 00:28:13,440
well then they would pay that. They would pay on

445
00:28:13,519 --> 00:28:15,759
the hailstorm. If there's no hailstorm, they're not going to

446
00:28:15,799 --> 00:28:16,880
pay to replace your roof.

447
00:28:17,799 --> 00:28:21,759
Speaker 4: No, but they're going to pro rate the roof and say, Okay,

448
00:28:22,000 --> 00:28:24,559
the roof is damaged and now it used to be

449
00:28:24,599 --> 00:28:27,759
twenty thousand is forty five thousand, and because the roof

450
00:28:27,799 --> 00:28:31,720
is fifteen years old, we're going to pay twenty percent

451
00:28:32,359 --> 00:28:35,359
of what that fifty thousand is to replace the roof.

452
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Speaker 1: Now that might be true, I've never had it. I've

453
00:28:37,640 --> 00:28:41,400
never had that. Like I've had two roofs replaced, and

454
00:28:41,480 --> 00:28:43,799
I've never had them pro rate a roof for me.

455
00:28:43,880 --> 00:28:45,720
But then again, I haven't had a claim on a

456
00:28:45,799 --> 00:28:51,240
roof in probably fifteen years. So but yeah, people if

457
00:28:51,240 --> 00:28:54,960
they treat the roof replacement as like just sort of like, oh,

458
00:28:55,000 --> 00:28:56,759
I need to get a roof replacement, so I'm going

459
00:28:56,839 --> 00:28:59,559
to file a claim, like, no, that's not what that's for.

460
00:29:00,119 --> 00:29:01,880
All right, If you're listening to this show, you know

461
00:29:01,960 --> 00:29:03,960
I try to keep up with all sorts of current events,

462
00:29:04,000 --> 00:29:06,079
and I know you do too, And you've probably heard

463
00:29:06,079 --> 00:29:10,160
me say get your news from multiple sources. Why, Well,

464
00:29:10,160 --> 00:29:12,880
because it's how you detect media bias, which is why

465
00:29:12,920 --> 00:29:16,119
I've been so impressed with ground News. It's an app

466
00:29:16,319 --> 00:29:19,559
and it's a website and it combines news from around

467
00:29:19,559 --> 00:29:22,000
the world in one place so you can compare coverage

468
00:29:22,200 --> 00:29:24,920
and verify information. You can check it out at check

469
00:29:25,160 --> 00:29:29,400
dot ground, dot news slash pete. I put the link

470
00:29:29,440 --> 00:29:32,519
in the podcast description too. I started using ground News

471
00:29:32,559 --> 00:29:35,279
a few months ago and more recently chose to work

472
00:29:35,319 --> 00:29:37,359
with them as an affiliate because it lets me see

473
00:29:37,359 --> 00:29:41,200
clearly how stories get covered and by whom. The blind

474
00:29:41,240 --> 00:29:44,039
spot feature shows you which stories get ignored by the

475
00:29:44,119 --> 00:29:47,759
left and the right. See for yourself check dot ground,

476
00:29:48,039 --> 00:29:51,680
dot news slash pete. Subscribe through that link and you'll

477
00:29:51,680 --> 00:29:54,880
get fifteen percent off any subscription. I use the Vantage

478
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plan to get unlimited access to every feature. Your subscription

479
00:29:58,480 --> 00:30:01,160
then not only helps my podcast, but it also supports

480
00:30:01,200 --> 00:30:05,640
ground News as they make the media landscape more transparent. Look,

481
00:30:05,720 --> 00:30:08,759
I apologize if I don't. I did not understand what

482
00:30:08,880 --> 00:30:11,400
Dean was driving at there. I was up against the break.

483
00:30:11,400 --> 00:30:13,799
I went to traffic way too late anyway, but I

484
00:30:13,839 --> 00:30:15,680
was trying to figure out what it was. But when

485
00:30:15,680 --> 00:30:19,680
people say the word collusion, that means to me that

486
00:30:19,720 --> 00:30:23,920
there is some sort of a conspiracy to enrich both

487
00:30:23,960 --> 00:30:27,559
of the parties, right, they are colluding to their own

488
00:30:27,640 --> 00:30:33,799
mutual benefit. And if one of those parties to the

489
00:30:33,880 --> 00:30:39,759
collusion gets to dictate the terms that the other one

490
00:30:39,799 --> 00:30:44,160
then has to agree to or they have to stop

491
00:30:44,240 --> 00:30:47,400
selling one of their products. Like that, to me, isn't collusion.

492
00:30:48,200 --> 00:30:50,519
One of them has a more powerful position, and it

493
00:30:50,559 --> 00:30:53,440
is the government, the government and the rate setting agency.

494
00:30:53,480 --> 00:30:53,640
Speaker 4: Look.

495
00:30:53,680 --> 00:30:56,839
Speaker 1: North Carolina has this too, with its own insurance commissioner,

496
00:30:57,279 --> 00:31:01,079
and it regulates the insurance markets and it tells insurance companies,

497
00:31:01,440 --> 00:31:04,799
you can't increase your rates by too much of a percent?

498
00:31:05,759 --> 00:31:08,000
And what is that too much? We'll know it when

499
00:31:08,000 --> 00:31:10,559
we see it. You know. They do the same thing

500
00:31:10,599 --> 00:31:17,880
with the utilities. So uh yeah, I don't know what

501
00:31:18,079 --> 00:31:21,559
he was driving at with that. I don't see the

502
00:31:22,160 --> 00:31:27,200
non renewal of the policies as evidence per se stand

503
00:31:27,240 --> 00:31:32,319
alone as a proof that the fix was in. People

504
00:31:32,359 --> 00:31:35,160
wanted the fires, They're trying to take all the land.

505
00:31:35,920 --> 00:31:38,880
These are the same. These are the same conspiracy theories

506
00:31:38,880 --> 00:31:42,880
that I heard after Hurricane Helene as well. Right, And

507
00:31:42,920 --> 00:31:45,319
people think when they throw out the word eminent domain,

508
00:31:45,920 --> 00:31:49,559
that that I'm supposed to be like, oh, okay, eminent domain, Like,

509
00:31:49,599 --> 00:31:53,319
but I know what eminent domain is. They take it's

510
00:31:53,319 --> 00:31:56,799
the taking of people's property, private property for a quote

511
00:31:56,839 --> 00:32:01,880
unquote public good. And that's not what's occurring here. Now,

512
00:32:01,960 --> 00:32:04,559
Why does California and whoever it is that let the

513
00:32:04,599 --> 00:32:07,960
fires burn? Like, why do they want that property? Has

514
00:32:08,000 --> 00:32:11,079
there been? Just because you think an idea doesn't mean

515
00:32:11,119 --> 00:32:13,519
it's true. It could be true, I guess, like when

516
00:32:13,519 --> 00:32:16,599
you're spinning theories, Sure some or all of it could

517
00:32:16,599 --> 00:32:23,240
be true, but that requires proof evidence, and right now,

518
00:32:23,599 --> 00:32:30,559
all the evidence really looks like high winds, bad politicians

519
00:32:31,160 --> 00:32:39,400
with misprioritized interests and no incentive to actually focus on

520
00:32:39,519 --> 00:32:45,359
the boring stuff of municipal governance. That's what it looks like.

521
00:32:46,160 --> 00:32:50,960
And you know, the desire to keep everyone's insurance premiums

522
00:32:51,000 --> 00:32:56,640
low because they don't want to hear from complaining constituents. Again,

523
00:32:56,799 --> 00:32:59,720
it's the same thing that happens at the hoas. It

524
00:33:00,920 --> 00:33:05,880
really is, Like hoas are really a good analogy for

525
00:33:06,160 --> 00:33:09,720
so much that happens at the government level. You know,

526
00:33:10,079 --> 00:33:10,680
it really is.

527
00:33:10,880 --> 00:33:12,839
Speaker 3: All right, that'll do it for this episode.

528
00:33:12,880 --> 00:33:14,960
Speaker 1: Thank you so much for listening. I could not do

529
00:33:15,000 --> 00:33:17,160
the show without your support and the support of the

530
00:33:17,160 --> 00:33:20,200
businesses that advertise on the podcast. So if you'd like

531
00:33:20,359 --> 00:33:22,440
Please support them too and tell them you heard it here.

532
00:33:22,599 --> 00:33:25,119
You can also become a patron at my Patreon page

533
00:33:25,240 --> 00:33:28,799
or go to dpecleanershow dot com. Again, thank you so

534
00:33:28,880 --> 00:33:35,519
much for listening, and don't break anything while I'm gone.