The Glenn Beck Program - Best of the Program | Guest: Joseph Lavorgna | 12/3/25

Episode Date: December 3, 2025

The Trump administration is poised to withhold federal funds from any state that doesn’t provide data regarding potential fraud to the secretary of agriculture. Counselor to the U.S. Treasury Joseph Lavorgna joins to discuss President Trump’s latest bill that gives children access to a savings account with money when they turn 18. Glenn breaks down his latest conversation with a friend and his faith in God. Learn more about your ad choices. Visit megaphone.fm/adchoices

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no amount on minimum, and nocray mensuel. You're made for negotiate, and the T-D is there for you aid. On today's podcast, we got a lot. The Trump administration

making major efforts to target fraud, thank God. Also, the Trump account is out. And I'm... I'm not a big fan of the Trump account. It sounds to me, if you look historically, a little like what Thomas Payne wanted to do in the 1790s,

that our founders absolutely rejected. We have one of the big cheeses from the Treasury Department. He joins us to talk about that debate and what the Trump account is really trying to do and why it's a good thing, in their opinion. Also, Dave Rubin and I had a conversation at Mar-a-Lago last night, and it's a conversation that I asked if I could share parts of it. And it's a conversation that I think might be of use to you as well, because we're in interesting times. It's almost like we're living in a movie, all of this, and so much more on today's podcast.

Patriot Mobile, some of us have no idea where our cell phone money actually goes. We pay it every month. We hope the service works. We assume the company on the other end. It's just a phone company, but that's not reality. The truth is a lot of these big carriers are actively funding activism, political agendas, social movements, Planned Parenthood, things you would never support. Never. But you're supporting them because you have that cell service and they are taking some of the money that they make from you

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They support our veterans, et cetera, et cetera. It's patriotmobile.com slash back. Call 972 Patriot. 972 Patriot. PatriotMobile.com slash back. Hello, America. You know we've been fighting every single day. We push back against the lies, the censors.

the nonsense of the mainstream media that they're trying to feed you. We work tirelessly to bring you the unfiltered truth because you deserve it. But to keep this fight going, we need you. Right now, would you take a moment and rate and review the Glenn Beck podcast? Give us five stars and lead a comment because every single review helps us break through big tech's algorithm to reach more Americans who need to hear the truth. This isn't a podcast. This is a movement.

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Assistant Secretary of the Treasury on with us. We were talking last hour about the Trump accounts. I'm not a fan of them. I understand why the president wants to do them, but I'm not a fan of them. It's not our place to do it. I don't want to open up another giveaway, quite a lot. honestly. But the president is trying to do everything that he can to help people feel less of the pain of what we have going on in our country. But I disagree with it. We're going to have the guy who

actually did all of the work on it. He's the guy who came up with it and put it all together. He's assistant secretary of treasury. He'll be on with us in about a half an hour. I also want to go into what the Trump administration is doing to stop fraud, food stamp fraud, the Medicare fraud, the fraud that's going on in the Somali community. Oh, that's racist, Stephen. No, it's not. And I'll tell you why here in just a second. But I want to show you what the administration is doing, and I don't understand how anyone could object to this. It's your money. It's your money. And it's being sent to terrorist organizations. What part of that are you against or for? First, let me tell you about Z Factor. We live in a world right now that never powers down. The notifications, you know,

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We need to know the name, the locations, all of the information, the age, how long they've been on Snap, what the situation is. We need all of the information that will help us find fraud. They're finding 186,000 people who are dead still receiving benefits. How is that happening? How's that happening? that was estimated to be about 5,000 people. 186,000 is what she found. Now, she found just 186,000 in 24 or 26 states, okay?

Because the blue states are not giving her the information. Red states are turning over the information, and they're finding all kinds of fraud in the red states. Blue states have decided, no, I don't have to do that. All she's asking for, birth date, social security number, and the name and address. That's what we need to be able to identify fraud. The red states won't send it in. So now she's saying, well, fine, you don't want to send it in.

Fine, you're not getting any money because we can't trust that there's not fraud. We're finding it in the Republican states. What, you think that we're not going to find it in your state too? Probably at a higher rate, but maybe not. Just can we stop? Who is for getting ripped off every day? I don't understand this. How can you possibly be for being ripped off every day?

We have $38 trillion in debt. We're not rich. I don't know if you know that. We're not rich. Why would you be for fraud? This stuff up in Minnesota is absolutely. I mean, blood shoots out of my eyes. We're now investigating massive, massive fraud by members of the Somali community.

And quite honestly, Governor Tim Walsh, he's up for obstruction on this. And even people in his own administration are like, he was, he was not allowing us to go in and stop any of this fraud. He knew about it and he wouldn't do it. So numerous people, I think what is it, 79. cases so far, and this is just 78 indictments so far in the scam, but it's, this is just the beginning of it. A billion dollar COVID fraud. What the people were doing was saying, we're sending, we're sending food to kids. And so these organizations would submit and say, hey, we're feeding this number of kids. And so we need this amount of money. And they would get that amount of money. And they

weren't feeding anybody. And we found that out of the billion dollars, some of that money was going directly to al-Shabaab. That's a terrorist organization, a really nasty terrorist organization. A lot of the money was going to Somalia and remittances. So these people were taking the money that you paid for with your taxes and they were sending it over to their relatives in Somalia to help them and to terrorist organizations. How are you for this? Exactly. Please explain. Let's stick to the facts. Don't throw out racism. Because, you know, here's what I don't understand. I'm not saying everybody in the Somali community is corrupt. I'm not saying get rid of all Somalians. I'm not saying that. I'm saying the actions are criminal. And if you were engaged in

criminal activity, you should go to jail and or be deported, period. If you are involved in anything, then the full extent of the law should be imposed on you, period. But if you didn't have anything to do with it, I mean, if you're here illegally, well, again, you broke the law. But if you're not, if you're here legally, what, what are we going to do? I'm not saying that all Somali's bad, okay? But I'm a racist for pointing out that some individuals are breaking the law and stealing our money.

That's racism. That's what the left is saying. And yet they can say, you know, the Jews control the world. Excuse me? So that whole race controls the world. But I can't point out the individuals that need to be deported. I can't point out the individuals that are engaging in fraud. I don't think you understand what racism really is.

It's not racist to say, hey, this fraud is being perpetrated on the American people. And the money is going to a foreign country. And on top of that, it's going to terrorist organizations. The president, I don't know how he does it. I really don't. I don't know how they keep their sanity in Washington because it doesn't, it makes no sense. If you are just debating the facts,

it makes absolutely no sense that you would be against this. No sense whatsoever. We have a $7 million Medicaid fraud that these people, I believe they were, I believe they were Somalis, doesn't say, Abfada Yusuf, so wherever that person's from, this couple, man and wife,

they were convicted, convicted, found guilty for taking Medicare funds and then taking it, not spending it the way they were supposed to, and just buying houses and cars and clothes and everything else. $7.2 million. They defrauded the American people. A judge just came in and said, yeah, I don't think it was fair. I'm overturning that.

Wait, what? They were found guilty of six counts of aiding and abetting theft by a jury. The jury is even coming out and saying, what is this judge even talking about? Excuse me, what? Why is this happening with our judges? because our judges are completely out of control. Completely out of control. By the way, it's a separate branch of government.

You as a judge cannot do what the president does or what Congress does. You are a separate branch. Now, 30 years ago, there's a great story in the blaze today, 30 years ago, Congress recognized that we can't legislate our way, and litigate our way out of an immigration problem, okay? Because they knew once the lawyers figure out, I can keep people here by tying it up in the courts, it'll never end.

So Congress passed a law. This is the judges cannot do that, okay? They can't get involved on expedited deportations. Okay. you have to prove that you've been in the country for, you know, more than two years, something like that. And they said they know if there's an expedited deportation, the lawyers will figure this out that we can just tie this up in court and then it'll be over. And so Congress said, you can't do that. You can't do that.

Because the court system that is doing this, this is not part. of the judicial system. When you're looking at the court system that is dealing with the deportation of people, that is under the administration. The president just has to say, no, you're not doing that anymore. That's why he's firing the judges

that he is firing, that he can fire. He's already accepted, I think, a hundred resignations or fired more. And he's just named another, eight other judges that he is just sacking. He's getting rid of him because the immigration courts are again not part of the judicial branch but the executive branch. They're all housed at the Department of Justice. So he has the right to say, you're no longer part of the administration. Get out. And everybody's crying and freaking out. Good. He should fire them. He should fire them.

If you are not looking, what was the line that was said that he is just looking for judges that only, that only aliens with legally meritorious claims are allowed to remain. So in other words, yeah, I am actually a refugee. I was running from oppression and I can't go back. You can't stay. that has merit all he's asking for are judges that will judge it on merit what else would you be judging it on

oh I don't know race politics nothing good nothing good at all by the way you know the president said that he wants to he set a goal of 21 million illegal aliens out

he's made great progress but it's two million Now, it's been nine months, two million in nine months. That's pretty damn good. But all of us are like, can we pick up the pace a little bit? Well, no, because of the judges. And again, the president, actually Congress needs to step in and say, excuse me, you cannot just make up laws.

You can't just say, nope, the president can't do that. I'm sorry, that's not your role. That is not your role. But ICE has just announced, Christy Noem just announced yesterday, that they are on their 10,000 ice officer enrolling. They're about within 10 days, she said, we will have added 10,000 ice officers to the rolls. That's pretty good.

And by the way, that was authorized through the big, beautiful bill. That's why the Democrats were against the big beautiful bill, and that's why they shut down the government. They wanted parts of the bill to go away. You know, like, no, we just pass this bill. And I don't know, I think the 10,000 ICE officers is probably really, really important here. So at least the administration is serious on that.

Again, I don't know how you're not serious about it. I don't know how you're not serious about. If you care about jobs, if you care about the cost of housing, the cost of your apartment, then you should care about 21 million people that were added here because they all need a place to live. Where are they living? Who are they competing with to get an apartment?

Why did your apartment cost go up? Oh, I don't know. Maybe because there's 21 million people here that weren't here just a few years ago. I don't know. Now they need an apartment. so they're competing against you. And so what happens? The price goes up because there's not enough apartments.

There's not enough houses for rent. There's not enough houses for sale. That's a big part of the problem. Explain to me how you don't understand that. Explain to me how you're bitching that Donald Trump isn't bringing housing prices down, but you won't allow him to get rid of the problem. Illegals that are here that are competing and driving those houses. housing costs up.

Explain that. I don't think you can. Explain to me how you are for sending money to terrorist groups, your tax dollars through fraud. Explain that to me. Try not to use the word racist. I don't think you can. Back to the podcast in a second.

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The best of the Glenn Beck program. We're waiting on a counselor from the U.S. Treasury, the U.S. Treasury Secretary, Joseph Livonia. He is a counselor to the secretary. He was in, I think, the first administration. Right now, we were trying. to get the Treasury Secretary on with us, but he is speaking. And Secretary Besson just talked about the Trump accounts at the deal book summit.

And he said an amazing thing. He said the Trump accounts, quote, this is the beginning of a shareholder economy. That's a little frightening because we've been warning against the stakeholder economy. How far down the road does Secretary Besson think we were on the stakeholder if this is the beginning of a shareholder economy. We have the counselor to the U.S. Treasury Secretary on with us now. Joe, welcome. Thank you, Glenn.

What did he mean by that? This is the beginning of the shareholder economy. Yeah, well, so what he meant by that was that the U.S. economy is one that thrives when you've got incentives to produce and work. which in the bill that the president signed the Working Families Act, if you will, encourages capital formation and growth. And the ability to invest in the future to teach, in many cases, yet to be born boys and girls, the power of compound interest and the stakeholder in the capitalist system

is my interpretation of what he meant. cure many ill and that we're making an investment in young American's future. So in other words, in other words, if you have a stake in the system, you don't want to burn it down. Right. Yeah, it's essentially the American dream that, you know, it's a way to build wealth creation. I mean, just to give you an example, the powers of compound interest, compound interest, If you put $1,000 in 65 years ago,

that's roughly 10.70 percent in the S.S.P. 500, that $1,000 would be worth nearly $650,000 today. So it's really building the American dream, helping people to build wealth. And, you know, it's a great investment for the future. When you think about what the Joint Committee on Taxation scored this, costing over a 10-year period is just under 15 billion. I mean, that's not a lot for a real payoff of the people to be, you know, have an incentive

in the system for the U.S. economy to thrive. So to be honest with you, Joe, I understand the reasons why it should be done. I think there could be some real benefits from it. But I'm stuck on a couple of things, and I'd like you to talk me down from the ledge on one you know this was proposed before during the founding era it was called agrarian justice and thomas pain said we should give 15 pounds to everybody who turns 21 and that 15 pounds at that time would be in today's dollar it's about 2,500 to 3,000 dollars so it's about the same kind of money except you're giving it at birth the founders rejected it redistribution of wealth it

becomes a right, you know, you're taxing people, you know, and giving it to somebody else. It's just, it's just, it's not good in any way. It's not government's role. So talk me down. Tell me how that's, why this is government's role and where do you get the authority to do this? Find that a lot of worth. It was a signature piece of legislation, congressional approved. The forms that people will be 5547, obviously to account for president. Trump's win in 16 and of course in 24. You mentioned Tom Payne and aggrary in society. I think, Glenn, that right there kind of addresses the issue was that that was over a

couple hundred years ago and the economy and the capital system has evolved significantly. This isn't a redistribution of wealth. This is an investment in the future and people's livelihoods. Hopefully they'll keep the money in and add to it between now and when they're 18, when they have access to it. This is just a savings vehicle, and it's a way to build well, and have a stake in the system, and then to generate policies that are positive for the corporate sector, because the corporate sector is the one that hires people and giving people the American dream

and ability to reach a higher wrong. That's how I look at this, Bill. I don't look at this as government intrusion or anything along those lines. I look at it as something as an investment in the future. You know, along the way, Glenn, we're going to get tremendous. amount of financial literacy out of it, which something the Treasury Secretary wants. But what I would argue is a very, very small amount of money in the big picture. So what is that, how do you mean?

Because I read that he had said that, you know, this is financial literacy. What does that mean? Well, financial literacy, and you're basically going to teach people. And low index mutual fund. And you're going to put on interest in the way to that. We have such a horrible connection. getting about every third word here. I'm sorry, say it again.

I'm just getting horrible. We have a horrible connection, so I'm losing you. So could you start that over again? That's saying that the financial literacy part comes down to people realizing that when they put money aside, that money will grow and do wondrous things through the power of compound interest. And they also can add to it. In other words, if you added an extra $10 a month from what the government is providing,

that would take that, if you looked in the past, in the math, instead of roughly 650,000 over a 65-year period, it's almost 1.5 million. So, you know, there are things Treasury is going to be doing our financial literacy, which I'm sure they're going to be using the Trump accounts as a tool and the vehicle to help market that. But I think in general, people need to understand that savings for the future is important, and these accounts are going to go and take a very important initial step of moving us down that path. You know, I so respect the Dell family for what they're doing and they're getting raked over the coals today for all the wrong reasons.

That's a private individual that's saying, I want to do this. And I think that is fabulous. I really do. Again, we're $38 trillion in debt. I really do. I'm so torn on this because I really do understand we don't, people feel like they don't have a stake. They're never going to get ahead. They're never going to get a house.

All of this stuff that's leading them to this lie of socialism. We have to do something. But again, I'm so concerned about opening up a can of worms here that just gets out of control again. No, in this case, no, because the money is going back into the capitalist system. See, it's not consumption. You know, we think redistribution, we're thinking, you know, giving people money to spend. This is money doing that. And I understand your point on the debt, and the debt is too high in it grew at a historic pace over the prior administration.

But I could tell you, Glenn, the only way that we are going to be able to deal with the debt situation is to grow and to grow fast, which is what we saw during President Trump's first term, because if you don't grow, you're not going to get revenues, and it just exacerbates all of the other factors. And when we look at the tax bill, of which the Trump accounts were a very key part of, we are going to be able to lift worker wages because we're getting a CAPEX boom, which lifts productivity. And when that happens, worker wages always grow. We've got energy policies that will work to lower inflation. That's going to increase your real wage. And then, of course, the no tax on tips in overtime will encourage more labor supply, which is disinflationary. And after-tax wages are going to go up for working class Americans.

So to me, those are very pro-growth. So will you at least put a time limit on it that says you can't withdraw it? I mean, because if you want it to grow. Oh, yeah, there is, so this is just from children born from 2025 to 28, and that's it. And people will not have access to this until they turn 18 if they so chose. And we hopefully, when they see that account both significantly over the next 18 to 22 years, they will keep their money in that account and add to it. So yes, there are certainly limitations on it.

Who's controlling how it's invested? It's going to be so you'll be, so the forms will be available when you file your taxes in the new year. It's form 45, 47, as I mentioned. And then you could deposit additional monies that your employer could, your, charitable contributions, et cetera, and you could put extra money in on July 4th when you officially sign up, and then, where I should say you sign up before then, the monies will go out sometime around July 4. That's when Treasury will put the money in one's account, and essentially it will be invested in low-cost, mutual fund, something that mimics the S&P 500.

Okay. Let me just switch, because I know I have to let you. you go, but let me just switch topics here for just a second. Thank you for what you guys are doing with the Somali fraud in Minnesota and the food stamp fraud, the snap fraud. Thank you. I mean, I don't know how people are not just falling all over themselves to say thank you for stopping this incredible fraud that is so dangerous. So thank you for that. Well, thank you. And let me say, And people realize that the portfolio of Treasury that Secretary Besson is running is large and deep, and in that is a terrorism and financial intelligence area. There's an undersecretary.

It's a very key role. It's one of the most senior roles within Treasury. And the administration takes fraud and financial abuse, and certainly anything related to terrorism with the utmost concern. I mean, it's as, you know, DefCom 4 in terms of importance. So the American people should know that the Treasury takes these things seriously. It's investigating, and we'll see what happens with it. But I appreciate you highlighting it.

You bet. Will we see indictments for, you know, NGOs, etc., that are using foreign money to, you know, at worst, you know, perform a color revolution on America? Well, Glenn, if there is illegality without question, it's too soon to say where it is, where this investigatory work is going to go. But absolutely, this will be, if there's laws broken, this administration will prosecute the perpetrators to the full extent that the law provides. No question about that.

Good. Joe, thank you so much. I appreciate everything you're doing. I appreciate you coming out. It's a short notice. You bet. This is the best of the Glenn Beck program. And don't forget, rate us on iTunes.

So yesterday, I posted this when I got home, a picture that my wife took of David. We were kind of backstage at Mar-a-Lago. And we sat there probably for half an hour and had a really honest conversation about what's happening in the world, what's coming our way, and, you know, and some things that are just concerning to both of us. And I'm not going to get into all the details, because I don't have permission to tell you everything that Dave said, but I did ask him last night if I could share some of this with you. You know, he is, he's Jewish. He's gay. He's married.

And he has two adopted children. I mean, what else could, leper? What else could box could you check that would make you less popular in what the world that we're seeing come our way? And he's a reasonable guy. He's a really reasonable guy. And, you know, when we talked years ago when he was adopting, He was on the show and he's like, Glenn, I got to tell you, I've changed so much. I don't know how to justify because I know that it's best to have kids with a mom and a dad.

And I believe in that. And I, you know, I just don't know what to say. He was a guy in conflict when it happened. He's not in conflict. Now he loves his children, loves his children. And they're in a very stable home. He would tell you. not the ideal home because that would be a mom and a dad,

but a great home. And he said, uh, I am finding myself in a situation to where, uh, I mean, I just don't know what's coming. And we talked about it.

And I shared with him some things that I thought were, were coming. Exactly what I did. And I didn't realize it at the time until I walked away. Exactly the way I did, with Charlie Kirk. When Charlie came to me in 2018, 2019, and he said,

you've always been ahead of the curve, what is coming next? And I said, well, I mean, if you just study history, Charlie, there's really two things that are left.

One is assassinations, and the second is war. And he talked about Donald Trump and that they would try to assassinate. And I said, yeah, and I honestly, Charlie,

I think people like you and me are on that list too. I said, you know, one of us could go down in this as well. We'll be targets as well. And we stood there, and I've told this story a million times, we stood there on the balcony of this hotel, and we just looked over the ocean for a while,

and we were both quiet. And I think he said, one of us said, I can't believe we're having this conversation. And the other one said, I know it's like we're in a movie, right? It's not real. And lo and behold, just a couple of years after, a few years later, Charlie is assassinated. Dave and I are having a conversation and I said,

Dave, I hope I'm wrong, but this is the way things could shape up. And we talked about it for a while. And just as I was getting ready to walk away, he said, I can't believe we're having this conversation. It's like we're in a movie. And I said, yeah, I know that feeling. And then I walked away.

and when I got to my wife's side, I said, I'm sorry, I'm just really freaked out right now because of what Dave just said to me, because of the last time somebody said that to me was Charlie. We are living in extraordinary times, extraordinary times. And we are seeing, for the very first time, we're seeing good and evil. We are. We're seeing in ways we've never seen before. You know, when the assassin tried to kill Charlie, he thought there would be an equal and opposite reaction to that act. And it would be that people would either side with him or they would rise up and they would start killing, you know, the left.

And we would go into that kind of civil war thing. But that's not what happened. an opposite action happened as a reaction, but it was not equal. It was so far beyond equal that it was clearly divine. 1.5 million people around the world watched, I'm sorry, 1.5 billion people watched that Charlie Kirk funeral. And that Charlie Kirk funeral happened. And if you were there, I don't know if you could feel it while watching. it I imagine you could, but I'm telling you in the room, I've never felt anything like it.

You could feel the spirit there. I mean, it was like God was there. And every time somebody got up and started speaking about politics, you could feel the spirit withdraw. And then they would start talking about, you know, universal principles and the spirit would come back to the room. It was amazing. And I wasn't just the only one feeling. People around me.

Elon Musk was two rows behind. me. Everybody around me, we were all talking about, are you feeling that? This is amazing. That was God showing up. So the unequal but opposite reaction was God working a miracle. The only way I can understand what's happening in our world today, where we have gone insane. We've gone insane. People that I know have lost their mind. We can't suddenly we can't have conversations about things that have been settled for a very long time. And suddenly, you have to be an enemy. This way, when I talk about these things, I don't want to single out anybody because I'm not going to make this personal.

I'm not going to make it personal. I want to make it about the facts. Because the minute we make it personal, then we're immediately enemies of one another. And I don't, there's one enemy. And it's the author of chaos. And that's who I fight. God shows up. Now, what's the equal and opposite reaction?

Because every action has an equal and opposite reaction. I really believe Satan showed up. God shows up. We have this resurgence of faith, its explosion, and then Satan shows up. And all of a sudden, we're talking about insane things. Like all of a sudden, you know, Jews rule the world and I hate Israel and, you know, it's insanity.

Insane stuff that we've always known was insane. We're watching for the first time. We're watching the big boys play and we are pawns. You just have to make sure you're on the right side of the board. You know, who are you a tool? Whose hand are you in? You want the good side or the dark side? Because you have to make that decision right now.

And the way to make that decision is just to remember what you've always known to be true. What is true? When you know those things and you stay anchored in those things, it's going to be okay. But if it feels like we're living in a movie, in some ways we are. It just hasn't been made yet, but believe me, there will be movies made about this time and about people that you may know. There will be movies made. How that's portrayed in the end, I'm not sure, but I do know that every time in human history, every time this road has been traveled, there is a winning side. And the other side destroys itself and its civilization.

So to me, it's pretty clear, but it's for each of us to find. Just do it peacefully. Make no enemies. Make no enemies. I remember one time we were in the throes of just real attacks on every front. And I thought my whole world was coming apart. And it didn't matter what I did, what I said, where I was. was, didn't matter. Just attack, attack, attack, attack, attack. And I asked the Lord in prayer,

you know, help me. Help me. How do I defeat these enemies? And once in a while, once in a great while, I'll feel like he, like that I almost hear him. And I don't know how to describe it. It's, it's like I hear the words, but not hear the words, you know. It's, I just know what he's saying. And, uh, and sometimes it's so clear. It's jaw-dropping. And I remember in prayer, and I'm talking about how do I defeat these enemies, et cetera, et cetera. And it was so clear. And what I heard was firmly, stop.

These are not enemies of yours. They are enemies of mine. These are my rights. And I will solve the problem with my enemies. You do the right thing. Okay. So I don't want to make any more enemies because they're not enemies of mine. They're his enemies.

Anybody who is standing against the rights of all men, anyone who is standing against the Bill of Rights, the idea that all men are created equal endowed by their creator, they're not my enemy. I mean, I view them that way, but they're ultimately his enemy. I need to remain on his side. That's all I need to do.

Remain on his side. and when he tells me to act and tells me what to do, I will do it. And so far, all I know is make no more enemies. Just speak the truth plainly, clearly. Just keep saying the truth. The things that you have always known that are universally true, I'll take care of the rest. Things are feeling a little less human these days.

aren't they? But isn't the whole point of progress to make things more human? That's why, at TD, when we design a product, whether it's an app for making trading easier or monitoring your account for fraud, we ask one simple question. How does this help people? That's how we're making banking more simple, more seamless, and more intuitive. But most importantly, that's how TD is making banking more human.