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