00:08:56.700But what is failing us now is our republic.
00:08:59.500Do you believe on either side, Republicans or Democrats, that your elected congresspeople really, truly are reflecting what you and people in the country actually believe?
00:09:15.000Are they carrying out the things that you believe are right and righteous for this country?
00:10:11.840And I'm not sure what dangerous ideology is anymore as it is being defined by those in power.
00:10:20.340The idea of a conservative and a conspiracy theorist, that line is being blurred.
00:10:29.560The New York Times just last year started to refer to me, it used to say, a well-known conspiracy theorist or an alleged conspiracy theorist.
00:10:41.880Now it's just Glenn Beck, comma, conspiracy theorist.
00:10:46.740I told you yesterday that the IMF had an academic paper out, and they are suggesting now that non-financial data should be used
00:11:00.560when financial institutions determine customers' creditworthiness for loans, various kinds,
00:11:08.340by non-financial data that means things like the type of browser and hardware that you use to access the internet,
00:11:15.840the history, I'm quoting, the history of online searches and purchases.
00:11:21.120So, what kind of computer and phone I have, and the past purchases, and what I'm reading, what websites I'm going to?
00:11:31.480I want to just read, go over, we went over this yesterday, but I want to go over it because there's new news.
00:11:39.880The most transformative information innovation is the increase of the new types of data
00:11:45.540coming from the digital footprint of customers' various online activities, mainly for creditworthiness analysis.
00:11:53.700Credit scoring using so-called hard information, income, employment time, assets, and debts is nothing new.
00:11:59.780Typically, the more data is available, the more accurate is the assessment.
00:17:16.700They released yesterday the finalized rule to ensure fair access to banking services provided by large national banks, federal savings associations, and federal branches and agencies of foreign bank organizations.
00:17:31.040Now, I've read a lot about this this morning, and it seems to be in direct conflict.
00:17:36.160Some say, who I respect, that doesn't mean anything.
00:17:39.520Uh, and others, whom I respect, say, uh, this is really bad.
00:17:45.120So, if you're in the banking industry, if you can help figure this one out, I'd sure like to hear it.
00:17:51.500Uh, I'm going to be doing more research on it today, and I'll get back to you tomorrow.
00:17:54.760But you need to know the rule codifies.
00:17:58.540Now, listen to this, because this is from the OCC.
00:18:04.280The rule codifies more than a decade of OCC guidance stating that banks should conduct risk assessment of individual customers rather than make broad-based decisions affecting whole categories or classes of customers when provisioning access to services, capital, and credit.
00:18:20.000Now, all of these rules were put in, you have to understand, in 2008 or 2009, uh, with, uh, the, uh, the Dodd-Frank bills, okay?
00:18:34.160Basically, no matter what they said, they were to protect the banks, the banks that were too big to fail.
00:18:41.820So, you guys have to do certain things.
00:18:44.560You can't take on risks because you're too big to fail.
00:18:48.140So, there were all rule, all these rules were put there to protect the banks, in many ways, from themselves, okay?
00:18:58.180When a large bank decides, I'm quoting, when a large bank decides to cut off access to charities or even embassies serving dangerous parts of the world or companies conducting legal business in the United States that support local jobs and the national economy,
00:19:13.360they need to show their work and legitimate business reasons for doing so, okay?
00:19:51.920It is inconsistent with the basic principles of prudent risk management to make decisions based solely on a categorical assertion of risk without actual analysis.
00:20:33.540As a result, the final rule excludes section 55.1b3 of the proposed rule, which would have required that a covered bank cannot deny any person a financial service that the bank offers
00:20:51.080when the effect of the denial is to prevent, limit, or otherwise disadvantage the person from entering or competing in a market or business segment.
00:20:58.780So, in other words, the rule was that they can't say, I don't want Glenn Beck in the media, so we're not going to give him any money.
00:21:06.520Or because the bank had a loan in some other business activity, which they have a financial interest.
00:21:14.040So, they're part of Facebook, and I want to open up Parler.
00:21:35.660The agency determined that the requirement would have resulted in regulatory burdens without contributing to the primary objective of the rule.
00:21:44.500So, now the Biden administration says we're trying to cut down on the red tape.
00:21:50.500There'd be too many burdens on the banks.
00:21:58.940Based on that analysis, the agency eliminated that requirement to focus on the rule of fairness, another keyword,
00:22:07.540of the covered bank's decision-making process and prudent risk management principles,
00:22:12.220as well to facilitate the OCC's administration of this rule.
00:22:16.820Okay, what if the bank says, you know what?
00:22:23.360If we go into business and give Exxon all these loans, we're in trouble because of the cancel culture.
00:22:30.580They're going to start canceling us as a bank.
00:24:54.820So, unity, that message depends on your POV politically.
00:25:05.180So, that means that when we were saying unity and we should all come together, it went on deaf ears because no one in the media, no one on the left, nobody in the Democratic Party wanted to hear it.
00:25:39.200Research will show that we don't even buy the same packaged food anymore.
00:25:42.920We don't, we can go to the grocery store and now algorithms can tell if you're a conservative or a liberal based on the products you buy in the same grocery store.
00:26:23.220We didn't have a marriage license until the progressives.
00:26:28.360Because the progressives wanted to make sure that we weren't breeding defectives and that we weren't having interracial marriages.
00:26:39.080So the progressives put in the marriage license to control the population.
00:26:45.940And so instead of having the argument that there should be no marriage license that comes from the state, the state has no place deciding that.
00:26:55.520We instead decided to have a religious argument, which we wouldn't, we wouldn't have done that when it came to the government before.
00:27:10.760Remember, our founders went from courtroom to courtroom to courtroom after the Revolutionary War to defend people's right to not have to believe what the rest of the community believed.
00:27:25.520We were a melting pot of people that came here because we've been screwed by governments elsewhere.
00:27:33.740And we saw this as a place, hey man, they'll leave you alone.
00:29:48.920And so it has become unify under these ideas or get out.
00:29:54.640Well, in America, we unify on these ideas that we hold self-evident, that all men are created equal, endowed by their creator with certain inalienable rights.
00:30:08.220Among them, life, liberty, and the pursuit of happiness.
00:30:11.820And that governments are instituted among men to protect those rights.
00:33:16.460There is a ton of well-meaning citizens who want and wanted to prevent our government from making serious constitutional, moral, and historic mistakes.
00:33:34.120So the opposition that we have based on those things is rooted in love and respect, not hate.
00:33:43.780But speaking out against immoral, unjust actions, things that violate the things that we've always believed and unified on.
00:33:59.400Speaking out against those things has always been tough.
00:37:57.040And like I read to you today, you know, in changing the banking policies from the office of the comptroller of the currency here in America.
00:38:19.920These are the words of the Great Reset.
00:38:26.020And that is extraordinarily dangerous.
00:38:30.120Also, I gave you an Axios article today that is, again, truly frightening.
00:38:38.980How do we deprogram American extremists?
00:38:41.560Well, what they're talking about are Trump supporters and they are talking about the key part of breaking extremists.
00:38:51.520Rising mainstream influence will be making it unacceptable for white nationalists, anti-government extremists and conspiracy theorists to serve in the military police forces or law as lawmakers.
00:39:02.580But experts worry the GOP tactic and sometimes explicit approval of extremists will hamper efforts to keep police forces and legislatures free of conspiracy theorists.
00:39:14.040Yes, a purely puritive, punitive, security minded approach alone is likely to prove ineffective and invasive at best, experts say.
00:39:21.840At worst, it will only fuel extremists' sense of persecution and push them closer to violence.
00:39:25.840Instead, experts agree serious resources must be mustered toward providing an off-ramp for people who have been drawn into extremist ideologies.
00:39:36.080New federal programs would likely be doomed to fail, experts say, because of this is so important.
00:39:42.660Remember, I told you about the trust implosion.
00:39:44.960Because distrust and hatred of the government is already a core tenant of far-right extremism.
00:39:51.320Instead, public-private partnerships developing programs are more likely to be effective because they're able to get the endorsement and funding from federal and state governments, but it's private industry doing it.
00:40:11.000That is the definition of the Great Reset.
00:40:14.780And there's a whole article on the IMF saying that they need the public, the private institutions to go into the business with the government to be able to legitimize the government because people around the world don't trust their governments.
00:40:53.400Well, between the news, appointment TV, endless scrolling on our phones, we're looking at our screens, unfortunately, more than ever.
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00:44:04.580No, those were published through Simon & Schuster.
00:44:07.680And we don't have the imprint anymore because I left Simon & Schuster.
00:44:11.180My death sentence with Simon & Schuster was ended last year.
00:44:16.560And, you know, what's weird is a lot of people are no longer with Simon & Schuster or with any of the five big publishing houses.
00:44:27.200In fact, it seems as though the big publishing houses in New York City don't really want to publish any conservative books, especially if you were a MAGA supporter.
00:44:39.680And those that are being printed are not being printed by the big publishing houses.
00:45:38.900Never been a bad idea to be prepared for a worst-case scenario.
00:45:41.760In the days when we had the Boy Scouts and they meant something, you know, one of the things you'd lift up three fingers, you'd say, Boy Scouts is always prepared.
00:45:51.520Oh, but those were in the days when people thought things through.
00:45:55.760You could move out of the country, start a subsistence farm.
00:45:59.080You could stand guard with a shotgun and a pack of wild dogs for anybody who walks across.
00:47:48.260There's an alternate universe out there in which we never have to ponder, let alone read unmasked.
00:47:53.420Provocateur Andy Ngo's supremely dishonest book on the left-wing anti-fascist movement known as Antifa.
00:48:00.340In that other world far, far away, Marjorie Taylor Greene remains a nutty CrossFit enthusiast from Georgia, not a member of Congress, and we know nothing about our musings on Jewish space lasers, the execution of Democrats, or false flag school closings.
00:48:17.820If you find that universe, please send directions.
00:48:21.160So they say that your book is part of that universe.
00:48:26.180Andy, can you respond to some of the charges in this?
00:48:37.000So I'm not surprised by the ad hominem attacks in this review that was published in the LA Times.
00:48:46.620I wrote my book, as you recall, about the useful ideas in fellow travelers for Antifa in journalism, and I would include this writer as part of that.
00:48:57.460But I was, as a journalist myself, I was just surprised at the really unprofessional objectives that he used against me, considering he works as the White House correspondent for the Yahoo Do's.
00:49:15.860It doesn't really counter any of my arguments.
00:49:19.260Instead, there's a line where he said that I wouldn't make Harold Goebbels proud.
00:49:24.700He says my book is, he compares my book to what the Nazis did and their propaganda.
00:49:32.620It's a very disgusting, nasty smears, as you would expect to see on a blog, not by somebody who works as a White House correspondent for a news site.
00:49:45.000So let me give you a couple of things.
00:49:48.040Andy, you know, is singularly focused on inflating Antifa's importance in his black clad, white whale, his Mark spouting Moby Dick.
00:50:00.040Do you believe you're inflating their importance in what's going on?
00:50:03.620No, and this writer, Alexander Nazarian, he probably wouldn't think that either if he ended up in a hospital with a brain hemorrhage by Antifa.
00:50:13.660Well, let me give you what he says about that.
00:50:16.620No claimed that he was, that a milkshake was thrown on him and it contained concrete.
00:50:23.580But far more likely, it was a vegan blend heavy on cashew butter.
00:50:57.020I don't think he, I think he knows that it wasn't.
00:50:59.420He wrote, No was punched and kicked as well.
00:51:02.200He claims to have suffered a cerebral hemorrhage.
00:51:08.160So, I mean, doesn't he know better than you?
00:51:11.120Because what he goes on right after he says, what goes unmentioned is that No had a history of embedding with right wing groups.
00:51:19.540Now, I don't know what that has to do with your claim of a cerebral hemorrhage, but he says you had a history of embedding with right wing groups, including, according to persuasive allegations he has denied, the white supremacist outfit Patriot Prayer that provoked Antifa into very fights that he then films.
00:51:39.760Yeah, so he's picking up these smears that were printed in a local publication in Portland, where a, one of the far left reporters there had interviewed somebody who was given a pseudonym.
00:51:55.380And he was an Antifa person who claims to have embedded in Patriot Prayer and put out this absolutely false claim that I had a partnership with Patriot Prayer for mutual protection.
00:52:08.760Now, my lawyer ended up writing a letter to the publication asking them to retract it because these were lies.
00:52:33.920You've been in the media spotlight for years and years.
00:52:37.440So they do this type of stuff to try to they slip these stuff in that has nothing to do with the book to try to discredit and smear in the most disgusting of ways.
00:52:48.400He says distortions and untruths hover like flies around every shred of confirmable fact.
00:52:57.360The same section of a mask that ends with nose statements on the United States portrays mid-November stop the steel rally in Washington as peaceful and celebratory with no mention of the Proud Boys amassed there.
00:53:12.800The counter-protesters, meanwhile, the counter-protesters, meanwhile, are a marauding gang.
00:53:17.300The nation's top mainstream Antifa scholar, Mark Bray, wrote in the Washington Post that Antifa is not an organization.
00:53:26.120Rather, it is a politics of revolutionary opposition to the far right.
00:53:31.480So that line where he quotes from Mark Bray is particularly telling because Mark Bray, as I write in my book, is an Antifa extremist who works in academe.
00:53:46.380His Antifa handbook, which is what he's most infamous for, actually raises funds for the Antifa International Defense Fund.
00:53:55.720So I don't know how he can criticize me for being biased or whatever, and then he's quoting from somebody who's actually part of Antifa as a sort of legitimate historian perspective.
00:54:11.080He continues, the right is always reminding us that facts don't care about your feelings, so let us set out some facts.
00:54:17.620Andy Ngo writes that the numbers and influence of right-wing extremists are grossly exaggerated by biased media, while Antifa poses just as much, if not more, of a threat to the future of American liberal democracy.
00:54:31.700He frequently references last summer's anti-racist protest, conveniently alighting the point that 93% of those were peaceful, according to a study from Princeton.
00:54:43.980A brief published by the Center for Strategic and International Studies, hardly a lefty outlet, found that Antifa had a minor role in what violence did occur, most of which was driven by local, autonomous actors, and that organization's threat was relatively small.
00:55:02.880January 6th, the minister, the Coupe de Gras, to No's already teetering thesis, it should not have taken this long, however.
00:55:09.940Trump's own Department of Homeland Security warned last October that white supremacist extremists would remain the most persistent and lethal threat to the American homeland.
00:55:20.360Yeah, so I hear that, I mean, that 93% were peaceful, it's another way of saying mostly peaceful.
00:55:29.240What does it matter if it's 93% peaceful if the other 7% resulted in several dozen deaths, the destruction of countless livelihoods, damages of billions to our economy?
00:55:42.980And as for, I don't know why he's downplaying the role of Antifa, as you read in my book, as he said earlier in the review, in meticulous detail, I outline how in some major American cities, like Portland and Seattle, Antifa, have the principal role in organizing the riots.
00:56:01.900And so, I mean, this seems, again, it's going back to what many journalists and mainstream media do, to always deflect from the extremism on the far left to go to the bogey man that they have on the far right.
00:56:16.680I don't argue that the far right doesn't exist, I'm arguing that the Antifa and the far left are also a threat, and here, as I lay out in an entire book, this is what they actually did, this is how much money they raised, these are the people they killed, these are the injuries they caused.
00:56:33.840What is the motivation here just to continue to protect?
00:56:43.540I mean, I have no problem, and he says in the article that you were forced to admit that Antifa wasn't in charge of the January 6th, you know, attack on the Capitol.
00:56:57.540Andy, if I recall right, you weren't forced to admit, you were the first to admit, you were the first to say, I don't think this has anything to do with Antifa, weren't you?
00:57:11.100That's the way I remember it that day.
00:57:13.020That's right, I came out on my own, and I was interviewed, and I've always maintained that I was never forced, and I wasn't begrudgingly required to say what I said either.
00:57:24.240I think these people, they want to paint a character of who I am, they think that I am, as this review writer illustrates elsewhere, that I'm this really wicked fascist propagandist who's taking tactics from the Third Reich in my propaganda, and they're really surprised if I manage to tell the truth.
00:57:49.280I mean, it's, I mean, it's, it's a disgrace that the editor ran this piece and the way it is, you know, I can accept criticisms for my writings, my analysis, etc.
00:58:01.280But describing me in such disgusting terms to people who, to a political party that was involved for genocide and Holocaust, like, that's, it's too bad that that that is a norm to be expected in a piece of the legacy.
00:59:35.760I'm like one of those obnoxious anti-smokers that are like, now they're Nazis on anybody that, you know, or vegans that gave up meat, and now they're just Nazis on it.
00:59:51.360And there's a 70% chance that it will change your life as well.
00:59:55.22070% of the people who go on to try it for the three-week quick start just to see if it makes a difference go on to order more month after month.
01:00:21.360The right to petition, assemble, and protest your government, the First Amendment, used to be something sacred, used to be something that we all believed in.
01:00:46.340But now it depends on your point of view.
01:02:33.220You know, I mean, again, you talk about incitement language, calling an entire party evil.
01:02:40.300I mean, it's the ultimate thing you would want to fight back against.
01:02:43.000And it is one of the things that I have tried to avoid.
01:02:46.740I mean, I've really worked hard not to call things evil because you don't want to misuse that word.
01:02:52.280And the only thing I can really call evil in politics right now is the effect of critical race theory, the effect of the division that's going on, the effect of telling people you're nothing without me.
01:03:09.300You can't make it without this program, the discouragement and the division that is going on.
01:14:13.620It went from, hey, is there somebody trying to subvert from the inside of our government to if you believe any of these things or ever believed any of these things, you either go to jail or you just can't work and you're a pariah.
01:19:27.000She's she's really the woman who we were just talking about, you know, did sign language and no longer welcome at the Biden administration because time.
01:19:37.020Thank goodness time was there to expose her witchcraftery and and her witching that she was doing.
01:19:50.920Yeah, she had divining rods and that's what she was doing.
01:19:55.000And of course, she was, you know, when the Trump and when the Biden administration were talking, she said she was translating word for word.
01:20:01.940But she was she was saying things probably like don't listen to them.
01:40:23.600And you notice she, I mean, she is, well, I don't, I'll talk more about it tomorrow.
01:40:29.420Let me tell you about, let me tell you about a life lock, life lock.
01:40:33.600Uh, the internet is a huge place and life lock knows that you'd be amazed how many items which make up your personal identity are just floating around in cyberspace, waiting for some criminal to come along and take them.
01:40:47.460And they collect pieces and they put this whole puzzle together.
01:40:51.440Keeping track of all of those pieces is nearly impossible, but that's why life lock is there to help you keep as much of it possible out of the cyber criminals hands.
01:41:03.160You, you can't do this on your own life lock has been there from the very beginning of, I remember when they had your social security card, somebody.
01:41:12.640And I was like, dude, you got yours on a bus.