Базовый курс ACI 2: Буддийское Прибежище — собрание великих идей из Совершенства мудрости (2019, Мексика), занятие 5

[Speaker 1]
Okay, here we go. You guys tired? You okay?

A little bit. Okay. Don't forget this special skill, to sleep with your eyes open.

Okay. I'm going to do some small things from your homework, okay? It says, what is the ACI Foundation Course number 13?

And what are the main topics it covers? And how does it follow from course 12? So, the 13th course is called the Art of Reasoning, and usually people call it logic, you know?

And I don't know, I think the word logic is probably the most boring word in the English language. And I ... when I was at Princeton, and I think a few people studied logic, and they were really weird boring people.

And ... so, what is logic? So, what ...

this is a pen, right? To me. And then, if I do like this, okay?

And you don't hear the pen drop on the floor, then you can see the pen with your third eye. It's in my hand, right? And so, in spiritual life, most important things you cannot see with your eyes, you know?

And so, you have to see them with logic, like the pen behind your back. And I remember when my lama started to teach me logic, and he was just learning English. So, it was a complete disaster.

And nobody understood anything what he's talking about. And I was living with him at that time, you know? And I remember I used to go to my room angry.

Just saying, wow, what the hell is all this stuff? You know? Why I didn't come here ...

I came here to meditate, not to learn logic explained in six English words, you know what I mean? Then I just ... something cool happened, I decided I want to understand what he's talking about.

And I worked really really hard for three or four years. And I translated a book for him. And anyway, I got to know it very very well.

And it's extremely cool. Okay? So, inside that book, which comes from Dharmakirti, and it's the Geshe, of the five Geshe subjects, it's called Pramana, which means to see something correctly.

And it's very very beautiful. And you learn to see things which are invisible. And it's called the ...

in the monastery it has a secret name, it's called the Key to Emptiness, which is really cool. So, that's course 13. And how does it flow from 12?

At the end of Shantideva's, Bodhisattva's way of life, you get the highest school about emptiness. But that school is built on the three schools, four schools underneath it. So, after you learn the highest school, it's very nice to learn the lower schools.

Now, there's a ... the next homework question, teacher training homework question? It says, what's the most important topic in ACI Foundation Course 13?

What's the most important topic in logic? Yeah, it's called chi chedrak. Say chi.

Chedrak. Then usually chi means automobiles, and chedrak means Toyotas. So, chi is the group, set, and then one of the members is called Toyota.

So, that's one meaning of chi chedrak. By the way, just before you see emptiness directly, you will understand chi chedrak. So, you should try to understand chi chedrak.

Jenny Wong, it's the DCI course what? 7? 7?

Yeah, DCI course 7. If you have a chance, come to a DCI course 7 somewhere. And actually, I wrote a new kind of book for the manual.

It's a practical guide to see emptiness directly. And I've never seen a book like that. And I just took all the most important things and I put them, you know, one, two, three, four, five.

So, if you have time, come study it. And we always give away a diamond to each person. Okay?

Okay. You know that sugar grain, Moon? Just so we're honest.

Okay. And maybe you have to wait a year, right Jenny Wong? She had to wait a year for her diamond.

Okay. You can understand chi chedrak a little bit different way. And I'll just tell you very simply.

And you close your eyes, and I say car. So, watch what image comes in your mind. Then I say, you ready?

One, two, three. A car. And then that mental picture should be a little clearer than the first one.

When I say car, most people see a mental picture very similar to the one they had when their mom taught them the word car. Then when I say a car, you kind of think of a car that you use frequently, or you're familiar with a certain car. Then if I say open your eyes, and in DCI 7 we will actually drive a car in the room if we can.

And we'll say, you know, open your eyes and then there's a car, right? Then we'll say, is the picture different? And the punchline?

Is that all three of those are the ... they're actually the same thing, they're just a picture coming out of your mind. The name car, the idea car, and a car that someone drives into this room, are pretty much the same, in the end.

And so, there's a thing called car-ness. So, Toyotas have car-ness. Mercedes Benz's have car-ness.

And a Mercedes Benz is characteristic of car-ness. Okay, I'll say it one more time. Toyotas have car-ness.

They have a quality of being a car. Mercedes Benz's have car-ness, but a particular Mercedes is characteristic of car-ness. It's an example of car-ness.

Okay? And if you think about that for, you know, couple weeks, it's the best thing you can do to see emptiness. Okay?

[Speaker 2]
Alright?

[Speaker 1]
And I, and I, that's all. I'm not going to talk more about it. I had a Lama Geshe Ngawan Kelden.

He was a Mongolian, Inner Mongolian, and when my Lama was out of town, he would teach me Abhidharma. And he had tuberculosis, so he only had one lung, and they cut it out in the refugee camp on a table. And so, he had this little green book of logic, from his monastery.

And so, I used to take him to the doctor's office and things like that. I was his translator. And then finally, he ended up in the hospital, and he was dying, and I went to see him.

So, this green logic book is the first book that monks study at age 15. And it was very embarrassing to see him, because he had this hospital gown, and his, his sexual organ is showing. It's too short.

[Speaker 2]
And he's my Lama, you know? So, I'm like, oh. No, I just couldn't take it, you know?

[Speaker 1]
And he's dying, you know? And he died the next day. And he's got the green book in his hands.

And I'm like, Geshe-la, what are you doing? This is for 15 year olds. Why don't you have, you know, Lam Rim Chenmo or something?

He's the key to emptiness. I wanted it to be the last thing I looked at. Then he like, gave it to me.

And I still have it. And that's Adam's, Adam's translating that book. So, you get to read it in about 25 years.

Okay, so it, you know, it's important, and it's very difficult. Alright, we're going to, what are we going to do now? Hmm.

Let's do some financial policy, because it's fun. And then we'll do some more of the course number two.

[Speaker 2]
Okay?

[Speaker 1]
We're a little bit behind. You don't need a break. Alright?

Oh, you need a break in about an hour or something.

[Speaker 2]
Okay? Okay. Or 45 minutes, okay?

[Speaker 1]
Let me get this financial policy.

[Speaker 2]
Okay, let me see where we finished yesterday.

[Speaker 1]
Yeah, so I'm going to continue with the things you're allowed to charge the student for. What's the first three words of each sentence? Yeah, reasonable cost for.

Like, if the reasonable charge for driving from your house to the teaching place five minutes away is $10,000. That's not allowed. Okay, here we go.

Now, it used to be, when I started these courses, that the printing charges were quite expensive, because each notebook was like, I don't know, a couple hundred pages, and you would have 36 notebooks total. So, that's, I don't know, 10,000 pages. I taught the Diamond Way courses at Diamond Mountain.

Everybody was living in tents at that time, and some students request me to stop writing these manuals, because they don't have room ... it's either the manuals, or they have to sleep in the tent. So, it was expensive, and it was actually the most expensive part, and I paid it, but it was hard for me.

And, okay, I have a thing about Dharma. Like, if you print a Dharma notebook or something, I think Gina will agree with me, because she has the same kind of attitude. It should be the most beautiful printing you can do.

And, I think the place where you teach should be the most beautiful place you can find. I was teaching in Taiwan, in a city called Taichung. One of our students owns the hotel.

So, he gave me the whole top floor. There's like 10 bedrooms, you know. Six bathrooms.

After I go to the toilet, I cannot find my bed, and it's above the clouds. Then I thought, God, this is just like ... there's a Tsongkapa prayer where he's sitting on the clouds.

So, I called everybody, I said, come for a special class. And we did the house in this glass penthouse. We are sitting in the clouds, you know.

And I spent a lot of money on room service breakfast. So, we had this huge breakfast. And I felt, this is how we should ...

this is how we should teach Dharma. In the penthouse. Above the clouds.

With waffles. And so, in my opinion, we should choose really ... we shouldn't worry about money.

The place should be beautiful. The printing should be high quality. And I told Pachi, I love this place.

And I think you guys did an unbelievable job. And we thank you. This is the right place for Dharma.

It's elegant. I like it. So, we We'll talk about it.

I have to choose some dates. Okay. Tim, we got to talk about it, right?

Okay. Alright. So, unreasonable cost for printing, okay.

It should be beautiful. Again, I repeat, if you have the financial resources, and if you don't break your commitments to your family, and if your wife or husband give a 100% agreement, then pay for it yourself. It's very cool, but as your teaching grows, it might become difficult very quickly.

Then, as an ACI teacher, you are allowed, you are even required to charge for the printing. Okay? Because you're not allowed to cause a problem for your family.

Okay? Okay, cool. And in my opinion, and in the policy, that cost should be shared equally by the students.

And I'm talking about ... there's a certain percentage of people who choose not to work. I don't know, they stay with their parents.

I have a friend, she's ... she's 69. She's still living with her mother, and she's living off her mother's pension.

And if that kind of person come to me and say, I don't want to pay for the ... can I get the printing for free? From 66, I don't think it's compassionate.

What's that word in English? You are enabling them. You are allowing them.

You are helping them to continue to be irresponsible. If they're blind, if their house burned down last week, that's okay. But, I don't think it's compassionate to pay for people who refuse to work.

Okay. Alright, Veronica said, now you start to sound like a Republican when you got to 66. I said, I'm sorry, you know.

Now our finances are together, and she's like ... she doesn't curse, but it's kind of like, god damn, the government take half your salary. Taxes, yeah.

It's just for the people who don't want to work. I'm like, now you sound like a Republican, you know. Now you're going to start playing golf also.

Anyway, okay. There will be ... okay, so nowadays, you can just put the thing online.

You can put the reading online. There's less destruction of trees, and you can change things. You can, you know, you can ...

it's a lot more flexible. Okay, so, but if there's some internet charge for the, you know, then everyone should share it. And once in a while, I think it's cool to print a very elegant ...

like we printed, remember Gina, the Three Treasures book. She laid it out. It's all color photos, and I think you should have a physical copy.

This is what we use for Lama Chupa, okay. Next item. Reasonable cost for marketing the event.

My advertising budget for my diamond company was ten million dollars per year. Ten million US per year. Recently I met some of the owners who are working for Warren Buffett, and I said, I'm just curious, what's the advertising budget?

What's it reach now? Because the company now is like 300 million I think. And the guy said, zero.

We use Facebook. You know? I'm like, man, that's cool.

Okay, so, but you know, sometimes you have to spend some money for advertising. This crazy Mexico City team, when I came out of the airport, on the airport video, there's our ... yeah.

Then you know, I was impressed, but I was also scared, you know? I'm like, how much does that cost? Someone said the peso cost, and then I'm like, how many dollars is that?

And they're like, blalalala. Anyway, I was pretty shocked. Then it turns out somebody has a friend.

Somebody's father. So, anyway, I got unshocked. Okay, and it worked.

It worked. You should know that Mexico City event was the largest DCI level one in history. Victor, Fernanda, Anai, Raul.

[Speaker 2]
Amazing.

[Speaker 1]
And we ... then they ... they woke me up in the morning and they say, you have a VIP event, you know?

I'm like, what? And that was mass ... mass ...

but the event was mass cool.

[Speaker 2]
Okay, very cool.

[Speaker 1]
Okay, anyway, amazing job. Thank you again. And Fernanda and Anai.

Victor, Seiji, and your whole team. Brian. Brian.

Okay. Alright, now, next cost you're allowed to charge. Okay, so for many many years, I guess 25 years, we tried to do the accounting and the taxes ourselves.

Forget it. Okay? Hire a professional.

[Speaker 2]
Okay?

[Speaker 1]
We really thought it's wasting money, but it's very very important. Okay? So, even it's the most expensive thing on your budget, get a professional.

Okay? Now, there's a difference between a bookkeeper and an accountant. The bookkeeper can be a volunteer, and they just keep the list, you know?

Then the accountant decides if you lost money or not. And the accountant tells you whether you have to pay taxes or go to jail. Okay?

So, that's a useful thing to have. And you should keep an account of every event you do. And it's very very simple.

Every expense has a receipt. Every receipt has a number. The numbers of the receipts start with one and go to two, and then to three.

And every numbered receipt goes into your accounting spreadsheet. And that's the end of the story. Okay?

Every expense has a number. Every number has a receipt. A photograph of the receipt is fine.

Okay? But in DCI for example, if you buy a cup of coffee in the airport and you don't have a receipt, we don't pay. So, it's ...

everything's so simple. Alright? Okay?

Yesterday someone told me ... I heard so-and-so didn't get paid for this tour we went on. Then I'm like ...

they got paid on April 3rd at 4 o'clock, they got this much money for five days work, they got paid. Yesterday. Okay?

It's so cool. Okay? No problems.

And just do it okay? Why you don't do it? It's boring.

Accounting is boring. So, just hire a boring accountant. Let them do it, and you are allowed to charge the student this cost.

[Speaker 2]
Okay?

[Speaker 1]
So, there's no reason why you don't do it. And you can shop around for good accountants. Okay?

In DCI, the bookkeeping is done by our friend Rob Resinger. And like all friends, we underpay him. Not really, okay?

Mostly. Then, you know, we have the real accountant behind the bookkeeper, and they figure out the taxes and things like that. And it's so important ...

okay, let me explain to you how American taxes work. It's illegal to call the Internal Revenue Service, the tax department, and ask them a question. It's illegal.

It's not legal. There's 3,000 books of tax law, and it's interpreted by each accountant. And the accountant has insurance.

So, you try to pay your tax, even honestly, and then you start to do Hail Mary, and then if the IRS complain, the accountant pays the fine. Okay? So, just do it.

Thank you. I know in Mexico it probably works a little bit differently. But, I'm not going there.

Now, this is a new thing in the financial policy. Okay? When you ...

if you're a certified ACI teacher, and you have a ... you're planning a program, like you're going to teach ACI level 1, you are required to make a budget before you start the program. Estimated budget.

And if any student attending your program requests to see the suggested budget, they have the right to see it. Okay? If they ...

so, you're not required to hand it out at the first class. But, you're required to tell the students. You're being charged for many different charges, like the accountant, sound system, Mexico City Airport video, which is allowed.

Which is allowed. If they request to see the estimated charges, which you are required to make for yourself anyway, then they have the right to see it. So, that's the first rule.

Okay. And, here's the other bad news. Within 30 days after the last class ...

First? After the last class finishes. Within 30 days, the student has the right to see the final expenses.

Okay? And I think that's cool. You know, I had a fantasy called Transparent Finances, and put all our books online without a password.

The whole world can see what we spend. But, this proposal wasn't so popular. Okay, so, at least you are required to close the accounting, and if the student requests, you show them the accounts.

Okay? Each line on the accounting has a receipt number, and if they show me the $4.73 Tara coffee bag you bought on September 4th, you have it ready. And, you know, you hate me right now, right?

You will save so much suffering. Okay? And, I used it yesterday.

Scott and Orit are very careful, and I have all the ... I have all those ... what do you call ...

spreadsheets, and somebody say, I didn't get paid, you know? And I'm like, here's the check number, here's the date. Okay?

Here's the check, here's your signature on the check.

[Speaker 2]
Okay? It's very powerful. Okay?

[Speaker 1]
So, just do it and there's no problem. If you don't do it, you will get trouble. We had an ACI organizer lost $50,000 in the last 18 months, and I had to pay it.

We had to pay it. So, it's not fair to the organization if you don't keep careful finances, and it hurts everybody. Some of that money was supposed to come to Mexico.

Okay? For translators. Okay?

For the translating the books, and now we couldn't do it. Okay? Okay.

So, let's do it. Okay? Before you pay your taxes, you feel guilty for six months.

In America, if you request, you get an automatic six months delay. Then you feel more guilty for six months. Then finally, you get this letter that says you're going to jail next week.

Then it takes about three hours to do the taxes. Then you're like ... it's like how you know when the four powers worked, and you're like, this feels so good!

I should have done it like eight months ago. So, you're getting nervous, I can tell. You hate this conversation, but you will feel better later.

You feel honest. A big part of Buddhism is financial integrity. I don't owe money.

I know what I'm spending. I spent the students money correctly. You feel very happy, inside you feel very happy.

You feel very clean. Alright, the next ... let me see ...

yeah, the next part is about work, study, and scholarships. So, those are the allowed charges. That's the charges which are allowed to require the student to pay.

Then you prepare your Lam Rim retreat number 33 at the Primavera Hotel, and six of your personal friends come to you and say, I can't afford it. And you're a Buddhist, and you saw Geshe-la do the four steps many times. Four steps.

Many times. Give people hundred dollars. Every class he's giving hundred dollars.

It's okay, I want to be like Geshe-la, you know. And you tell your friend, okay, I have price for you, you know. I have compassion.

Then, listen. Somebody else has to pay extra. Okay?

My ballet teacher says ... she taught me. Duh.

Duh. Duh. If somebody pay less, somebody else pay more.

So, actually the person who don't want to pay is taking that money from another student. And I think our philosophy should be that everyone carries the weight equally. The program should be as inexpensive as possible.

And nobody in the management should waste money. But the things that we have to pay, like the airplane, if we all share, to me it feels cool. I'm in a big family.

It's called ACI family, and we all pay equal. I feel good. I feel happy.

Now, there's a few people who need help, okay? And they really do need help. So, I just want you as an ACI teacher, I think it's your responsibility to divide who really needs help, and who just lazy.

Okay? And it's not, in my 66 opinion, okay? It wasn't my 44 opinion.

But now I'm older and more Republican. Just kidding. I think everyone should pay equal.

Or you just find a cheaper, you know, or you say we're not going to stay in a hotel. Everybody come to Anatole's house. To the top floor where there's a swimming pool and a bar.

And we'll have the class in the pool. No, I mean you can do things like that. Okay.

So, in my opinion, we have to check the people who ask for scholarship. And if it's just that they don't want to work, I don't think it's fair for other people to pay for them. Because it's hard to make money, and it's not fair to those other people.

Okay. Work-study, if you really need it, and the work-study work, I think that's fine. So, you're welcome to do that.

I'll tell you some ... a 66 wisdom, okay? So, I was in the diamond business for 19 years.

I worked with some of the wealthiest people in the world. I wasn't exactly that level. My partner in ...

one of my partners in India, when his son got married, he rented the Mumbai soccer stadium 60,000 guests. And first, they rebuilt the whole thing as a palace. And I went to the wedding.

I was like one of the guests of honor, right? On the way to the stadium, in a open car, open limousine, the wife and the ... new wife and husband, they have basket of diamonds.

They had ... I mean real diamonds, not my diamonds. And they are throwing them to people.

And it caused a riot, you know. Anyway, I can say honestly, so I knew those families. I spent time with them.

They are all Jain, Jain family. I did ... I never met a child of one of those families who was not messed up.

Not one. They didn't know how to work. They never worked.

And something else happened. They lost their self-esteem. So, they had arrogance, because they're super wealthy, but they have no self-confidence, no self-esteem.

So, I think it's unhealthy to allow one of our friends ... okay, you don't have to pay anything, you know. Your boyfriend broke up with you last year, you are having PTSD, you know.

And you don't have to pay. Trauma, trauma, you are sad. And if you keep giving them money, they forget how to work.

And then they, they feel like they cannot work. And then their own self-esteem goes down. So, you're hurting them actually.

So, what I'm saying is, as an ACI teacher, be careful about giving exception to this person, or scholarship to this person, this person, this person. Okay? Be careful.

Maybe you're not helping them. Maybe they should ... maybe they would be happier if they were working and doing something.

Okay, do I sound super Republican now? I don't care. If someone hassle you and say, why are you charging for Dharma?

Give you hassle? Trouble? In English we say they give you a guilt trip.

They try to make you feel guilty. You know, you are not bodhisattva. You are making me pay for class.

I have a new system. I have a card in my pocket. It has United Airlines ticket desk phone number.

I don't say anything. I don't complain, I don't defend myself. I say, here's the phone number of United Airlines.

Call them, and if they will pay for the air ticket for free, then you don't have to pay. Then the whole fight is finished in two seconds. You call United Airlines, you ask for a free ticket for Geshe Michael, and then they just ...

it's automatic shut up. Alright. Again, it repeats in the financial policy.

If you're making good money, and you didn't promise the money to your family, and your family is comfortable, the most ... how do you say most cool? I don't know.

Mas chido. Pay for yourself. Pay for everything yourself.

And the whole 36 courses, I did that. And I really had fun, and I don't regret it. I'm really proud of it, and I feel real joy about it when I think about it.

So, if you can afford it, pay, pay, and don't even tell them. Okay? Just, I mean, give everything.

But if it's a hardship for your family, that's not allowed. Okay? Alright.

Okay, we're going to start a subject for five minutes, then we'll take a break. Okay? I can't ...

usually I can read the audience very easily. I can't tell if you want to shoot me or kiss me. But I believe this new system of clarifying the policy, I think it will make your generation easier.

Okay? Okay, here we go. So, I'm not allowed to charge for a class, for my own expense, my own money.

Two questions. Am I allowed to take a donation? Second question, am I allowed to ask for a donation?

Okay? See, we're going to talk about that. You are allowed to ask for a donation for yourself.

Okay? See, you're allowed to ask for a required payment for physical expenses, and on top of that, you're allowed to say, and I'm asking you, I would like a donation for myself. Okay?

You are allowed. But that donation to you is called voluntary. So, you have to make it clear.

Because you know, and I know, like when I was in college, I went to many different spiritual groups meetings. I was looking for a meditation teacher. And at the end of the meeting, like in somebody's house, a very sweet lady will get up in the front, and say, we are asking for voluntary donation for the cost of this class.

And then a big, mean looking guy is at the back door, with the voluntary donation basket. Like ... and many people in the room, including me, we are thinking, you know, this voluntary donation don't seem very voluntary.

Okay? So, it's important that you put the student's mind at ease. And you say, look, we appreciate if you donate for my expenses.

But you really don't have to. Now, my teacher had an interesting policy.

[Speaker 2]
Okay?

[Speaker 1]
So, we had a Buddhist temple. We had a congregation. And there are small donation boxes around the temple.

People will put five cents, ten cents, three cents. And once a month, someone have to count like $3,000 in pennies. Guess who?

Guess who's that? You know? Then, one day I got really upset.

I said, you know, if you pay ... if you send me to mow the neighbor's lawn, for $5 an hour, we will make more money than me counting the pennies. He's like, shut up.

Then I, just to irritate him, I bring all the boxes in the kitchen and dump them on the kitchen table. And I'm like, one, two, 31,452. Princeton honors graduate making $3,000 a day counting pennies.

And he's like, don't do that. I'm like, what? Don't count the money in the kitchen.

Count it in your room. Then I'm like, it's irritating, isn't it? He says, that's not what I mean.

He said, people are super sensitive about money. And if those church comers see you with money, they will think somehow you are taking the money. People get crazy about money.

And for most of us, it's because we work so hard to make the money. So, just be aware money is a very sensitive subject for everybody. You have to be super careful about money.

He won't allow me to count money pennies in front of the congregation.

[Speaker 2]
Okay?

[Speaker 1]
Understand? And you know, at 66 I realize he's correct. Last thing about that.

So, it's okay, it's okay if somebody gets up and says, it's okay to ask for a donation. If it's really voluntary. But I have an, I have another suggestion.

It's not policy, but it's my suggestion. Don't ask for that You leave. You finish the teaching.

You leave. Somebody gets up and says, please everybody stay for five minutes. Then they say, if you want to make a donation for Geshe-la, we appreciate it.

So, I think it's, in my 66 experience, it's better to have someone else ask for it. Okay? Cool.

But you're allowed to ask for it. And in time, you will, especially if you teach with a good heart, you will, more and more sponsors will show up. There's a gentleman in China, where's Xiaoping?

Yeah. So, he, Xiaoping come to me. This guy wants to meet you.

After class. And I said, look, I'm tired. Then next day, she said, he wants to meet you.

I'm like, really, I'm almost falling down, I'm so tired. Then next year, I went back to the same place. This is Allison.

Geshe-la, I think you should meet him. I'm like, when Allison says I think you should meet him, you should meet him. So, I said, okay, I'll meet him.

We sat down together, and he said, I never met you Geshe Michael. I'm coming to your classes for two years, and I want to donate to your retreat center. Anything.

You know, at that moment you check the guy out, you know? You check his shoes, his car. Then I ...

you guess what number he can do, you know? I'm like, we need a cafeteria for 200 people. He's like, how much?

I think I said 250,000 or something like that. He said, done. Okay.

Then I'm like, damn, I should have asked for two. By the way, there was a cost overrun. The price of construction just ...

And in the end, he paid 1.5 million. Why am I talking about that? If you teach with a good heart, people will show up.

Okay, so don't worry about it.

[Speaker 2]
Okay?

[Speaker 1]
Don't worry about, oh, I don't have any money, or ... Okay? I used to donate my salary at the diamond company every six months, I told you.

Right? And the CFO, one day he called me. He said, Michael, Michael sit down.

He's like, look, you can't do this gig forever. You're going to get old like 66 or something. You can't do this forever.

You can't give away all the money, you know? You have to keep some of them. You have to put some money away for you.

I really think you should put some into an investment fund, or a special bank, you know? I said, then we also have, diamond people have the Switzerland banks. Then he's like, you need like a bank, you know?

And I said, well, John, I do have a bank. He says, what's the bank? You know?

I said, it's called the bank of other people. Never go bankrupt. You always get a constant steady interest.

Karma seed bank. And from 66, I can tell you, if you teach ACI with a good heart, you don't have to worry about money in your life, okay? So, if karma is true, and it is true, you will be fine.

You're actually much more safe than anybody else's investment. Okay? Okay?

Alright, see you in 10 minutes.