1 00:00:00,000 --> 00:00:03,900 Sean Murray: So there's a company called MJ Capital Funds. 2 00:00:03,900 --> 00:00:06,600 This story is literally pretty fresh. Yeah. Like just happened. 3 00:00:06,600 --> 00:00:08,280 Johny Fernandez: Just happened in like the last 20 minutes. 4 00:00:08,280 --> 00:00:10,760 Sean Murray: Yeah, we found out about in the last 20 minutes. So 5 00:00:10,760 --> 00:00:15,680 there's a company down in South Florida called MJ Capital and MJ 6 00:00:15,680 --> 00:00:19,700 Capital was just charged by the Securities and Exchange 7 00:00:19,700 --> 00:00:24,380 Commission with committing a very large Ponzi scheme. So the 8 00:00:24,380 --> 00:00:30,110 charges are securities fraud. And it's alleged that the owners 9 00:00:30,140 --> 00:00:33,440 took or the owner owners I'm not sure exactly, they allege they 10 00:00:33,440 --> 00:00:34,160 put one person. 11 00:00:34,160 --> 00:00:35,240 Johny Fernandez: They put one person's name. 12 00:00:35,300 --> 00:00:38,960 Sean Murray: One person's name, and it's alleged that she took 13 00:00:38,960 --> 00:00:45,320 in between what was it 70 to $120 million from investors in 14 00:00:45,320 --> 00:00:50,480 under one year's time. And what she claimed she was doing with 15 00:00:50,480 --> 00:00:54,800 the money was that she was making MCA's and small business 16 00:00:54,800 --> 00:00:57,920 loans. So we went to the website, we checked them out 17 00:00:57,920 --> 00:01:00,860 online, right before we came on. Yep. Right. And it looked like 18 00:01:01,040 --> 00:01:04,220 you're run of the mill shop that we would normally report on, 19 00:01:04,250 --> 00:01:07,370 business lender MCA, we buy future receivables we'll fund 20 00:01:07,370 --> 00:01:09,680 your business, all that stuff, right? It's everything like 21 00:01:09,710 --> 00:01:12,410 normal. Yeah. As far as that we could tell. Yeah. Right. We went 22 00:01:12,410 --> 00:01:14,090 to the Instagram, went to the Twitter. 23 00:01:14,120 --> 00:01:17,150 Johny Fernandez: Everything looks legitimately normal. 24 00:01:17,150 --> 00:01:19,010 Sean Murray: Yeah, like this wasn't a company that was like, 25 00:01:19,250 --> 00:01:21,770 where you didn't know who the owners were, you know, super 26 00:01:21,770 --> 00:01:24,260 shady, you couldn't reach them, they seem to be like, embedded 27 00:01:24,260 --> 00:01:27,020 with like charities and stuff. And, you know, there it seemed 28 00:01:27,020 --> 00:01:30,890 they were very public facing. That was the impression I got 29 00:01:31,220 --> 00:01:36,650 from looking at it. And lo and behold, according to the SEC, 30 00:01:36,650 --> 00:01:40,310 they weren't really putting money into deals. In fact, the 31 00:01:40,310 --> 00:01:44,750 SEC said they only took they only used 2.9 million of the 100 32 00:01:44,780 --> 00:01:48,260 some odd million they collected to actually fund businesses. And 33 00:01:48,260 --> 00:01:52,730 that the rest went other places, right, to different bank 34 00:01:52,730 --> 00:01:56,750 accounts, entities controlled by the owner, paying like broker 35 00:01:56,750 --> 00:02:00,890 commissions and so forth, wasn't exactly made clear where all the 36 00:02:00,890 --> 00:02:03,800 money went, or how much is still there. It did mention something 37 00:02:03,800 --> 00:02:06,740 about cash withdrawals that the owner was using to taking some 38 00:02:06,740 --> 00:02:09,470 money out of the ATM. I don't know how you take 100 million 39 00:02:09,470 --> 00:02:10,220 out of the ATM. 40 00:02:10,340 --> 00:02:12,590 Johny Fernandez: To backtrack real quick regarding the story 41 00:02:12,620 --> 00:02:17,450 down in South Florida. For those who don't know, what exactly is 42 00:02:17,450 --> 00:02:21,320 a Ponzi scheme, and what what is a Ponzi scheme? 43 00:02:21,330 --> 00:02:23,220 Sean Murray: Okay, yeah, that's a good question. What is a Ponzi 44 00:02:23,220 --> 00:02:24,930 scheme, it's one thing to of lead somebody's running a Ponzi 45 00:02:24,930 --> 00:02:27,810 scheme, you know what what the heck is a Ponzi scheme, all 46 00:02:27,810 --> 00:02:31,140 right, so a Ponzi scheme is when you're taking money from new 47 00:02:31,140 --> 00:02:35,430 investors to paying back old investors. So in a Ponzi scheme, 48 00:02:35,460 --> 00:02:39,900 you're not actually investing the money, so to speak, you're 49 00:02:39,900 --> 00:02:42,270 giving the illusion that the money that's been invested is 50 00:02:42,300 --> 00:02:45,450 earning a return. The problem is that at some point, you're gonna 51 00:02:45,450 --> 00:02:48,720 have to prove it, right. Because if you're the first investor in 52 00:02:48,720 --> 00:02:52,230 a Ponzi scheme, let's say you put in 100 grand, and you were 53 00:02:52,230 --> 00:02:55,740 promised that your 100 grand has earned 20 grand, at some point, 54 00:02:55,740 --> 00:02:59,550 you're gonna be like, That's awesome. I'll take my 120k right 55 00:02:59,550 --> 00:03:03,360 now, right. And if you don't want the scheme to blow up right 56 00:03:03,360 --> 00:03:06,300 out of the gate, well, you're gonna have to come up with 120k 57 00:03:06,930 --> 00:03:09,360 as proof that everything worked, even though you didn't do 58 00:03:09,360 --> 00:03:11,910 anything with the money, or you tried and it failed, or 59 00:03:11,910 --> 00:03:15,840 whatever, right. So what you do in a Ponzi scheme is you then 60 00:03:16,170 --> 00:03:19,710 raise money from new investors and say, hey, I'll borrow, you 61 00:03:19,710 --> 00:03:22,410 know, I'll raise 500k from you, I'll take a million from you, 62 00:03:22,410 --> 00:03:25,260 I'll take 100k from you, right. And then you take from that 63 00:03:25,260 --> 00:03:28,230 money, you take 120k, and you give it to the first person, 64 00:03:28,560 --> 00:03:32,940 they get their 120k. It serves as proof that this that 65 00:03:32,940 --> 00:03:36,240 everything is legitimate, because the first guy got paid 66 00:03:36,240 --> 00:03:40,440 out his initial investment, plus a nice hefty return. And now all 67 00:03:40,440 --> 00:03:42,510 these other people are like, whoa, did you hear so and so 68 00:03:42,720 --> 00:03:46,860 turned his 100k into 120k, and they got paid out, it's legit, 69 00:03:46,890 --> 00:03:49,290 this person is not going to steal your money. But that money 70 00:03:49,290 --> 00:03:53,010 was taken from the other investors. The problem is, those 71 00:03:53,010 --> 00:03:55,710 investors are also expecting a nice hefty return on their 72 00:03:55,710 --> 00:03:59,730 money, but 120k of it just went out the door. So now that money 73 00:03:59,760 --> 00:04:02,610 now there's a shortfall, and she's promising, or he's 74 00:04:02,610 --> 00:04:06,360 promising a return on the actual amount, so now she's got to come 75 00:04:06,360 --> 00:04:09,630 up with even more for when those people want to cash out. So 76 00:04:09,630 --> 00:04:12,330 she's going to use proof of the first person getting paid out to 77 00:04:12,330 --> 00:04:14,910 convince other people to invest. And so you bring in other 78 00:04:14,910 --> 00:04:17,160 people, and when these people want to get paid out and take 79 00:04:17,160 --> 00:04:19,980 money from them, they pay out these people, and you keep going 80 00:04:20,010 --> 00:04:23,070 up and up and up and up and up, up the chain. And then the way 81 00:04:23,070 --> 00:04:27,720 that you can try to prevent a a Ponzi scheme from folding is 82 00:04:27,720 --> 00:04:31,260 that you convince people not to cash out, you tell them there's 83 00:04:31,260 --> 00:04:34,320 a penalty for cashing out. You tell them that you're going to 84 00:04:34,320 --> 00:04:36,570 reinvest their money and make even more money, you have to do 85 00:04:36,570 --> 00:04:38,790 everything in your power to prevent them from cashing out 86 00:04:38,790 --> 00:04:42,030 because the Ponzi scheme will collapse a lot quicker, hence, 87 00:04:42,330 --> 00:04:45,960 made off, made off was if you pull your money out, you can 88 00:04:45,960 --> 00:04:48,450 never come back in. Yeah. And why was that? Because he 89 00:04:48,450 --> 00:04:50,850 couldn't afford to have anyone pull out because the whole 90 00:04:50,850 --> 00:04:53,130 scheme would start to unravel. Yeah. So everyone's got to keep 91 00:04:53,130 --> 00:04:55,740 the money in because it's a fraud. Right. And there's no 92 00:04:55,740 --> 00:04:56,490 actual business. 93 00:04:56,520 --> 00:04:59,100 Johny Fernandez: Yeah, and I think we were reading according 94 00:04:59,100 --> 00:05:05,880 to the legal documents you know that this was all uncovered when 95 00:05:05,880 --> 00:05:11,400 someone decided to number one ring the alarm, but then also an 96 00:05:11,400 --> 00:05:16,320 undercover informant decided to invest some money in and see 97 00:05:16,320 --> 00:05:20,290 Sean Murray: Oh, yeah, that's that was kind of a twist in all 98 00:05:20,290 --> 00:05:20,350 what it was all about. 99 00:05:20,350 --> 00:05:20,980 this right so. 100 00:05:20,980 --> 00:05:22,180 Johny Fernandez: The undercover FBI agent. 101 00:05:22,180 --> 00:05:24,988 Sean Murray: Undercover FBI. So how did this all come? How did 102 00:05:24,988 --> 00:05:25,047 Johny Fernandez: How many people? 103 00:05:25,047 --> 00:05:28,689 this all even come out? Because this company raised more than 104 00:05:28,689 --> 00:05:32,331 100 million or between 7, 70 and $120 million in under a year. 105 00:05:32,390 --> 00:05:35,855 How did it how did it? How did it collapse? How do they get 106 00:05:35,914 --> 00:05:39,380 found out? That's the first thing we wondered. Yeah. Right. 107 00:05:39,439 --> 00:05:43,198 Because I just explained to you how it works. So someone alleged 108 00:05:43,198 --> 00:05:43,257 Sean Murray: Allegedly, allegedly. These are 109 00:05:43,257 --> 00:05:46,899 that this company was a Ponzi scheme in a very public way. The 110 00:05:46,958 --> 00:05:50,130 company that was sued MJ Capital, then sued the person 111 00:05:50,189 --> 00:05:53,831 alleging they were a Ponzi. And they won the lawsuit. They won 112 00:05:53,890 --> 00:05:57,355 the lawsuit and, and shut out the person who was making the 113 00:05:57,414 --> 00:06:01,174 allegation. And so they came out victorious, almost almost like, 114 00:06:01,174 --> 00:06:01,174 allegations, more than 2000 people invested more than 2000 115 00:06:01,232 --> 00:06:04,816 you know, as further proof that this was not a Ponzi. At some 116 00:06:04,875 --> 00:06:07,870 point, though, the FBI was following along and they 117 00:06:07,929 --> 00:06:11,219 strolled into the into the office twice, they first came 118 00:06:11,278 --> 00:06:14,508 in, and like it said, like in June this past June, this 119 00:06:14,567 --> 00:06:17,798 literally just recently happened. And they pretended to 120 00:06:17,857 --> 00:06:21,440 be an investor. And the reason we're telling you all this, is 121 00:06:21,499 --> 00:06:25,200 because guess what these type of offers occur out there all the 122 00:06:25,258 --> 00:06:28,959 time, she was raising money for syndication. Hello, if you were 123 00:06:29,018 --> 00:06:32,366 investing in MCA, or you know deals or business loans, or 124 00:06:32,425 --> 00:06:35,832 whatever and they're going to tell you, you're gonna get a 125 00:06:35,891 --> 00:06:39,357 nice return on your investment, pay attention to what we're 126 00:06:39,416 --> 00:06:42,646 telling you. He was promising between 120, 180% returns 127 00:06:42,705 --> 00:06:46,406 annually, which that number is not uncommon to be thrown around 128 00:06:46,465 --> 00:06:50,048 in the MCA industry. So they weren't even outrageous compared 129 00:06:50,107 --> 00:06:53,514 to what other people would say. Not that you can expect to 130 00:06:53,573 --> 00:06:57,215 really make that amount, but it wasn't out of control. Someone 131 00:06:57,274 --> 00:07:00,798 else might look at that number and look around and see other 132 00:07:00,857 --> 00:07:03,970 people kind of throwing out similar numbers. And this 133 00:07:04,029 --> 00:07:07,612 company was able to raise $100 million dollars in syndication 134 00:07:07,671 --> 00:07:10,902 money, right, look legit, everything looks fine, right? 135 00:07:10,961 --> 00:07:14,427 They they even won a lawsuit said that they were in a Ponzi 136 00:07:14,485 --> 00:07:18,127 scheme. But they were a Ponzi scheme. Right. And what did they 137 00:07:18,186 --> 00:07:21,828 do with the money? They didn't make any deals, they funded 2.9 138 00:07:21,887 --> 00:07:25,470 million of the worth the 100 million so on money, 100 million 139 00:07:25,529 --> 00:07:28,760 some odd dollars that they collected FBI, went in there 140 00:07:28,819 --> 00:07:32,402 undercover, pretended to be a syndicate, the FBI pretended to 141 00:07:32,461 --> 00:07:36,103 be an MCA syndicator. And they said I want to put in. Yeah, so 142 00:07:36,162 --> 00:07:39,627 first they came in and say I want to put this. Yeah, I want 143 00:07:39,686 --> 00:07:43,269 to put in 10k I want to put 10k into deals. She was like, all 144 00:07:43,328 --> 00:07:46,912 right, put you into deals. So FBI actually became a syndicate 145 00:07:46,970 --> 00:07:50,671 in the Ponzi scheme, watch the money not do anything. Then they 146 00:07:50,730 --> 00:07:54,254 came back a second time and did it again. Right. And so now, 147 00:07:54,313 --> 00:07:57,662 then they got a firsthand glimpse as to what was actually 148 00:07:57,720 --> 00:08:01,362 happening and not happening. And I assuming that they recorded 149 00:08:01,421 --> 00:08:05,004 all these encounters. Right. So this MCA syndicate was really 150 00:08:05,063 --> 00:08:08,353 the FBI. And just in the last week, the SEC shut down MJ 151 00:08:08,412 --> 00:08:12,112 Capital alleged it to be a Ponzi scheme. And yeah, I mean, it's 152 00:08:12,171 --> 00:08:15,754 the the the consequences, and the collateral damage, are only 153 00:08:15,813 --> 00:08:19,455 beginning to be felt as people just start to find out because, 154 00:08:19,514 --> 00:08:22,158 you want to know how many people she tricked? 155 00:08:29,800 --> 00:08:34,330 syndicates invested in this fake, allegedly fake, MCA 156 00:08:34,330 --> 00:08:36,400 company that looks like a legit company. 157 00:08:36,430 --> 00:08:38,020 Johny Fernandez: This was all in a year period. 158 00:08:38,050 --> 00:08:43,150 Sean Murray: All in a year. Pay attention people. Be be wary of 159 00:08:43,150 --> 00:08:45,550 your syndicates, if you're doing, if you're up to no good, 160 00:08:45,640 --> 00:08:49,270 right, but also don't start a Ponzi scheme. And if you're a 161 00:08:49,270 --> 00:08:51,610 syndicate pay attention to who you're investing in. 162 00:08:51,640 --> 00:08:52,960 Johny Fernandez: Well, and I think what's interesting is 163 00:08:52,990 --> 00:08:55,870 like, according to the legal documents, again, these are the 164 00:08:55,870 --> 00:09:00,730 allegations, and the fact that everything played out, you know, 165 00:09:00,730 --> 00:09:06,370 she or they decided to protect themselves to continue to make 166 00:09:06,370 --> 00:09:12,640 sure they look legitimate after you know, being sued after other 167 00:09:12,640 --> 00:09:16,360 people saying hey, like they're fake. And then after an FBI 168 00:09:16,390 --> 00:09:20,740 undercover FBI person comes in does the deal with them, you 169 00:09:20,740 --> 00:09:24,310 know, they pretty much were able to ride that out until, you 170 00:09:24,310 --> 00:09:29,080 know, the last couple of days where things blew up. So it's 171 00:09:29,080 --> 00:09:31,690 definitely gonna be interesting to see how this will play out. 172 00:09:31,870 --> 00:09:33,970 Sean Murray: Yeah, this is this is really up there in terms of 173 00:09:33,970 --> 00:09:38,620 the scale of of the alleged fraud. Yes. I think a another 174 00:09:38,650 --> 00:09:41,200 another big one that happened down there was a company called 175 00:09:41,530 --> 00:09:45,160 One Global Capital and if I'm not mistaken, that was that was 176 00:09:45,280 --> 00:09:48,040 more or less a Ponzi scheme and the size of that one was around 177 00:09:48,070 --> 00:09:49,810 300. I think around $300 million. 178 00:09:50,290 --> 00:09:51,760 Johny Fernandez: Do you know, do you remember what the time 179 00:09:51,760 --> 00:09:53,350 length of them being in business? 180 00:09:54,070 --> 00:09:55,120 Sean Murray: A lot longer than this one. 181 00:09:55,810 --> 00:09:58,060 Johny Fernandez: I find it interesting that within a year 182 00:09:58,060 --> 00:09:58,630 period. 183 00:09:58,930 --> 00:10:00,940 Sean Murray: Yeah. This is the thing this is an insane amount 184 00:10:00,940 --> 00:10:02,110 of money to raise in one year. 185 00:10:02,110 --> 00:10:02,860 Johny Fernandez: In one year. Yeah. 186 00:10:02,860 --> 00:10:05,386 Sean Murray: Yeah, for it to not be real, the fact that they were 187 00:10:05,440 --> 00:10:08,580 able to raise, you know, close to 100 million or more, they 188 00:10:08,580 --> 00:10:08,633 Johny Fernandez: This is a great example. Yeah. Yeah. 189 00:10:08,633 --> 00:10:11,933 said up to 120 million, they're not even entirely sure. Right, 190 00:10:11,987 --> 00:10:15,127 in a year's time is absolutely incredible. The next largest 191 00:10:15,180 --> 00:10:18,374 scheme that I know of in that area was One Global Capital. I 192 00:10:18,347 --> 00:10:18,427 Sean Murray: Look what happens more than 2000 people invested 193 00:10:18,427 --> 00:10:21,568 think they had raised like, 300 some odd million dollars, I 194 00:10:21,621 --> 00:10:24,655 think, what was the total amount, and this was done, that 195 00:10:24,708 --> 00:10:25,010 was done over like, like seven years or something, here's 196 00:10:25,010 --> 00:10:26,450 into this in a year. That's ridiculous. 197 00:10:26,450 --> 00:10:30,260 Johny Fernandez: And out of all years, so that's technically. 198 00:10:30,260 --> 00:10:31,255 someone, here's someone who went out and raised $100 million in a 199 00:10:31,225 --> 00:11:31,309 Out of all years. From 2020 to 2021. This all. 200 00:10:31,309 --> 00:10:34,715 year, made $2.9 million worth of deals, and then operated like a 201 00:10:34,768 --> 00:10:37,962 Ponzi scheme, allegedly, you know, from what from what we're 202 00:10:38,015 --> 00:10:41,422 being told, it's just insane. If you're being offered, you know, 203 00:10:41,475 --> 00:10:44,456 these, these high rates of return 120% ,180%, syndicate, 204 00:10:44,509 --> 00:10:47,490 MCA Business Loan, blah, blah, blah, be very, very, very 205 00:10:47,543 --> 00:10:50,631 careful and cautious. A lot of people are not not truthful 206 00:10:50,684 --> 00:10:53,611 about what they're doing. And they even might have good 207 00:10:53,665 --> 00:10:56,432 intentions in the in the beginning. But they're just 208 00:10:56,486 --> 00:10:59,839 terrible managers of money. They don't know what they're doing. 209 00:10:59,892 --> 00:11:03,086 There's a proper way to do MCA, MCA syndication, you have to 210 00:11:03,139 --> 00:11:06,226 follow securities' laws. If you do it, there needs to be a 211 00:11:06,280 --> 00:11:09,633 securities attorney involved. If you're gonna offer syndication 212 00:11:09,686 --> 00:11:12,986 if it just some person saying yeah, I'll invest in deals. I'll 213 00:11:13,040 --> 00:11:16,500 give, you a note, give you a big return blah, blah, blah. I mean. 214 00:11:35,000 --> 00:11:37,610 Sean Murray: Yeah, I just, it just, it's, it's so upsetting, 215 00:11:37,640 --> 00:11:41,210 because, you know, not that we're responsible for killing 216 00:11:41,210 --> 00:11:45,680 people, right? But. But this is, it's a scam, a legit scam. It's 217 00:11:45,680 --> 00:11:49,820 a legit scheme that has played out so many times before. And to 218 00:11:49,820 --> 00:11:51,950 see so many people rush rush to get it. 219 00:11:51,950 --> 00:11:54,033 Johny Fernandez: And I think this goes back to one of the 220 00:11:54,086 --> 00:11:57,393 earlier videos that we did was that yes do your due diligence. 221 00:11:57,446 --> 00:12:00,700 You have to really do your due diligence when you're making a 222 00:12:00,753 --> 00:12:04,113 deal. Doesn't matter what type of deal, it doesn't matter where 223 00:12:04,166 --> 00:12:07,633 you are, on the ladder, how many years of experience if you don't 224 00:12:07,686 --> 00:12:10,673 do your due diligence, as a business owner, as a client, 225 00:12:10,726 --> 00:12:13,500 etc. This is where you end up losing a ton of money. 226 00:12:14,220 --> 00:12:16,080 Sean Murray: Yeah, do your due diligence and doing due 227 00:12:16,080 --> 00:12:18,360 diligence isn't looking at their Instagram profile. 228 00:12:19,710 --> 00:12:22,696 Johny Fernandez: We did that. And it was legitimate, like she 229 00:12:22,764 --> 00:12:26,430 was working with like local charities, local community 230 00:12:26,498 --> 00:12:29,010 organizations, that you're like, wow. 231 00:12:29,010 --> 00:12:31,608 Sean Murray: They had a website, a YouTube channel. They had, you 232 00:12:31,658 --> 00:12:34,506 know, they were involved with charities, they were public 233 00:12:34,556 --> 00:12:37,354 facing, they weren't hiding in some shady back office or 234 00:12:37,404 --> 00:12:40,302 whatever, that made it look legit. By the way, that is not 235 00:12:40,352 --> 00:12:43,400 due diligence. That's something we do to just talk about on a 236 00:12:43,450 --> 00:12:46,598 show. You need to do real things like look at their financials, 237 00:12:46,648 --> 00:12:49,746 go through their systems, find out who's auditing the platform 238 00:12:49,796 --> 00:12:52,994 that the money's being invested on. That's due diligence, do not 239 00:12:53,044 --> 00:12:55,942 look at your social media and say, this looks legit to me, 240 00:12:55,992 --> 00:12:58,791 because that's how they intentionally are trying to fool 241 00:12:58,840 --> 00:13:00,390 you. Yeah. I'm pretty, I'm mad. 242 00:13:00,390 --> 00:13:02,978 Johny Fernandez: No, I, I think, I think the one thing that 243 00:13:03,040 --> 00:13:06,615 baffles me is that, like you said, this is we've seen this 244 00:13:06,676 --> 00:13:10,560 time and time and time again, and some people just don't learn. 245 00:13:10,560 --> 00:13:13,403 Sean Murray: They don't learn. I hope you learn now. For any of 246 00:13:13,460 --> 00:13:16,986 you out there who are, you know, thinking about syndicating or 247 00:13:17,043 --> 00:13:20,171 investing in deals, you got to be extremely, extremely, 248 00:13:20,228 --> 00:13:24,210 extremely careful. Because, you know, this had happened so many times. 249 00:13:24,210 --> 00:13:26,280 Johny Fernandez: And it will continue to happen. 250 00:13:26,280 --> 00:13:27,540 Sean Murray: It will continue to happen. 251 00:13:27,540 --> 00:13:29,400 Johny Fernandez: Just however long we're on this earth. 252 00:13:31,200 --> 00:13:33,338 Sean Murray: You know, for like reporters and stuff it's great 253 00:13:33,381 --> 00:13:36,480 because it's news, but I feel bad for all the people who were affected. 254 00:13:36,480 --> 00:13:37,680 Johny Fernandez: Yeah, absolutely. 255 00:13:37,680 --> 00:13:38,460 Sean Murray: It's a shame