Welcome to today's edition of the Rush 24-7 podcast.
So Obama's out there in Los Angeles, in Hollywood.
He's causing a giant traffic jam out there and a $30,000 plate fundraiser.
Now, was it in California?
Obama talked about bitter clingers.
When things don't go their way, they hang on to their guns and their what?
Their religion.
Right.
Now, who is it that's sounding like a bitter clinger here?
Is it not Imam Obama?
Greetings, my friends, and welcome.
El Rushball, Excellence in Broadcasting, here on the Excellence in Broadcasting Network.
Great to have you here.
Telephone number eight.
How many people you think caught that?
800-282-2882, the email address El Rushball at EIBnet.com.
It did strike me as a little ironic out there, folks.
The same Barack Hoover Obama, who called people bitter for clinging to their guns and religion, feels like he can lecture us on the constitutional right to freedom of religion when he's previously denigrated the whole concept of hanging on to religion.
And now here's this guy who called all of us bitter clingers, dividing his own party once again.
Dingy Harry.
Dingy Harry, who is in a tough re-election battle in Nevada, yesterday in Arena at a campaign event said this.
The Constitution gives us freedom of religion.
I think that it's very obvious that the mosque should be built someplace else.
The mosque should be built someplace else, Dingy Harry said.
It's very obvious.
Mayor Bloomberg not happy about all of this yesterday afternoon in New York City.
9-11 did leave a permanent hole in our hearts in this city, but it did, I think, make us believe more strongly than ever in what this country stands for.
We came together as a city back then, and we united as a country.
And we took great pride back then in our freedoms, and our men and women in uniform have fought and died to defend them.
And if we shout down a mosque and community center because it is two blocks away from the site where freedom was attacked, I think it would be a sad day for America.
And man clearly doesn't get it.
Not in the slightest.
Governor Patterson, this in the Washington Post today, New York Governor David Patterson, planning to meet later this week with the Islamic prayer leader and the developer of the mosque near Ground Zero to discuss the possibility of moving it to an alternative site.
This is from Peter King, Republican New York said today, said he was informed of Patterson's plan in a phone conversation with the governor Tuesday morning.
Now, I don't know that we should expect much from this.
Patterson hadn't even been able to persuade most of the Democrats he ought to be governor, much less persuade most of the Democrats he ought to move the mosque.
Meanwhile, there is an interesting entry here from a guy by the name of Abdul Rahman al-Rashid.
He is the director of Al-Arabiyah TV.
He's the former editor of London's Arab daily, Al-Shark Al-Al-Swat, or Assat.
And this has been excerted on memory, M-E-M-R-I.
Now, it is interesting.
This is Abdul Rahman al-Rashid, left-leaning, director of Al-Arabiyah TV, former editor of London's big Arab newspaper.
cannot imagine that Muslims want a mosque on this particular site because it'll be turned into an arena for promoters of hatred.
It'll become a symbol of those who committed the crime, he says.
We don't want that.
At the same time, he said there are no practicing Muslims in that district who need a place of worship because it's a commercial district.
He's saying no Muslims live there.
The last thing Muslims want today is to build just a religious center out of defiance to the others or a symbolic mosque that people visit as a museum next to a cemetery.
The battle against the 11 September terrorists is a Muslim battle, he said.
And this battle still is ablaze in more than 20 Muslim countries.
Some Muslims will consider that building a mosque on this site immortalizes and commemorates what was done by the terrorists who committed their crime in the name of Islam.
I don't think the majority of Muslims want to build a symbol of a worship place that tomorrow might become a place about which the terrorists and their Muslim followers boast and which will become a shrine for Islam haters whose aim is to turn the public opinion against Islam.
So here you have a left-leaning Islamist making the case for not putting one there, a mosque at ground zero, on the basis that Muslims don't want it.
That it doesn't help them.
It would only make a mess for everybody.
So the picture gets clouded.
So if this is accurate, and I don't doubt that it is, and there have been other such hints.
There was a piece in Horetz recently.
That was refuted, by the way, by Islamists.
So we'll have to wait and see just exactly if this is accurate and if it carries any weight.
In the meantime, the Democrats are running for the hills on this as fast as they have run away from anything.
CNN Today critics say Obama's message becoming incoherent.
President Obama's comments on a plan to build a mosque in the shadow of ground zero, not only giving opponents an opportunity to attack him, but also reveal a messaging problem from the White House, said David Maury, communications expert, vice chairman of the core strategy group, who provided communications advice to Obama's 2008 campaign.
And he said that the danger here is an incoherent presidency.
Obama, Imam Obama, as you know, has faced a torrent of criticism for what was called mixed messages on the controversial plan.
But Obama has the ability to sharpen his messaging skills by being less of a law professor and more of a communicator-in-chief.
Wait a minute now.
I thought he was the best communicator we'd ever had.
I thought he was the most articulate, the cleanest.
This guy was special.
There was nobody better.
In fact, as they all told us during the campaign of 2007, 2008, we'd never had a politician like this.
We'd never had a human being trod the earth who had these remarkable characteristics, talents, and skills.
And now all of a sudden the guy's incoherent and his message is muddled and he needs to turn into more of a communicator rather than a professor.
The word's not incoherent.
The word is not incoherent.
He means exactly what he's doing.
We understand everything he's saying, Mr. Maury.
We understand everything he says when he first says what he means and then tries to walk it back and then says it again.
We know exactly what Obama means.
We have no doubt who Obama is.
What you mean to say, Mr. Morey, again, this is David Morey, vice chairman of a communications advisory group that worked with Obama in the 2008 campaign.
The word here is incompetent.
It is incompetence, not incoherence.
Critics say Obama's message becoming incompetent.
Take a look.
You go down the list of issue, issue, issue, whatever issue that has roiled this country.
Take a whatever issue, whatever issue that Obama has put forth, whatever he supports, don't care what it is, it is in opposition to the minority thinking, a majority thinking of this country.
The majority did not want the government owning General Motors or Chrysler.
The majority does not want nationalized health care.
The majority does not want the financial regulatory reform bill.
The majority does not want, oh, you haven't heard the latest.
Guess what?
You think this is going to not cause a problem?
This is from Kevin Williamson, who is the blogger at Exchequer.
That's the National Review online blog on debt and deficits.
Senator Robert Casey, Democrat Pennsylvania, Representative Earl Pomeroy, Democrat North Dagoda, are pushing legislation that would commit taxpayer dollars to bailing out the Teamsters retirement pension fund.
So we have bailed out the United Auto Workers and their health care.
We are bailing out unions left and right with every one of these stimulus programs, porculus programs, bailout programs.
We are bailing out teachers.
We're bailing out teachers' pension plans.
We're bailing out public sector unions and their health care plans, their jobs, and their pensions.
And now two Democrats come along and are pushing legislation that would commit taxpayer dollars to bailing out the Teamsters retirement pension fund.
Now, when did unions become sacrosanct?
When did it happen that everybody else can fail?
Everybody else can go bankrupt.
Everybody else can encounter market-oriented financial problems, but for some reason, the unions can't.
When did this happen?
When did it happen that 8% of the workforce in the private sector unionized category, where is it written that these people must not fail?
Well, part and parcel of the Obama agenda and the Democrat Party.
Under the Democrats' plan, the U.S. Pension Benefit Guarantee Corporation, which is basically a pension insurance fund run by the federal government, would be able to receive tax dollars to bail out the so-called orphan pensions.
Those are pensions for which employers have ceased making contributions, usually for reasons of insolvency.
So we have insolvent companies not making contributions.
Guess what?
You and I have to, according to Bob Casey and Earl Pomeroy.
The Casey bill would create a fifth fund that would receive taxpayer support.
Currently federal law, carefully specifics, PBGC obligations are not obligations of the U.S. government.
Casey Pomeroy would reverse that, mandating that obligations of the corporation that are financed by the fifth fund shall be obligations of the United States, which means us, the U.S. taxpayer.
In other words, we're going to pay the bill.
We're going to have to print the money.
We don't have the money.
There isn't money.
That's the whole point.
The reason that they're in problems is because their employers are insolvent.
The U.S. government is bankrupt.
But somehow we're going to come along now and bail out the Teamsters.
What next?
The pig iron workers get bailed out and then the bricklayers get bailed out and their pension plan.
Nobody's bailing us out, snur.
We're the ones paying for all of this.
My point is, you get issue after issue after issue.
Obama is in the minority.
On issue after issue after issue, Barack Obama is governing against the will of the American people.
I don't care whether it's this or any other porculus bill or stimulus bill or bailout or health care, cap and trade, I don't care what it is.
Barack Obama is in the minority.
Barack Obama and the Democrat Party represent 20%, maybe 25% of the thinking in this country.
And yet, here you go.
As galling as it would be to bail out the Teamsters and their other private sector union buddies, things would immediately get much, much worse if that precedent were used to justify a bailout of the public sector unions whose unfunded pension liabilities run into the trillions.
Think Cal PERS and Cal Sturz.
We know that in California, we've got unfunded, underfunded pensions for the teachers and the public employees union out there that is in the trillions.
So if two Democrats can come up with legislation to bail out the Teamsters private sector pension fund, then why the hell can we not go ahead and just bail out California state teachers and employees, public employees, and their pension plans?
In fact, Illinois is leading the way when it comes to state employee retirements.
California's pension shortfall is larger than the gross domestic product of Saudi Arabia, an oil-producing state.
Casey Pomeroy almost certainly would lead to a broader union bailout because once you start bailing out the Teamsters, how do you tell the pig iron workers that you're not going to bail them out?
And how do you tell the bricklayers that you're not going to bail out their pensions?
There is no money.
None of this has ever been real.
And now the pedal hits the metal, rubber hits the road.
And when we realize there isn't any money anywhere, that none of this has been real, guess what has to happen?
Those of you who are among the 10.5% unemployed, your kids and grandkids, mine and everybody else's, are now going to be paying if this legislation passes, gets signed in order to bail out unions, public sector, private sector unions.
Is this why we had to bail out Wall Street?
Set the precedent?
Who knows?
But not all of Wall Street got bailed out.
Just a precious few firms on Wall Street got bailed out.
Anyway, something to chew on out there as we've barely scratched the surface today.
Sit tight, coming back with all the rest of it right after this.
President Obama was in Hollywood yesterday, told a fundraiser last night that he and Congressional Democrats have passed the most progressive legislation in decades.
We've been able to deliver the most progressive legislative agenda, one that helps working families, not just in one generation, maybe two, maybe three, said Imam Obama.
Which is to say, ladies and gentlemen, Obama's bragging about advancing the most socialist agenda that we have had since FDR, and look where that got us.
So, once again, whatever he does, he's in the minority.
He's on the opposite side of every issue of the American people.
Obama was joined by a number of lawmakers and celebrities at an event for the Democrat congressional campaign.
Committee raised a million bucks.
Obama hitting the campaign trail hard this week before he goes on vacation.
Again, the fourth one in five weeks to Martha's Vineyard, a $50,000 a week house rental of their real half beer with Skip Gates.
Many of the afternoons at Cocktail Hour, bragging about his administration's accomplishments, accusing Republicans of trying to return to the policies of George W. Bush.
Oh, what we wouldn't give to go back a year and a half.
Just turn back the hands of time before the stimulus bill, before all that rotgut bailout stuff.
What a scam.
We were all hoodwinked.
Well, not hoodwinked.
We were jobbed.
Phony crisis, imminent destruction of the world economic system unless we bailed out this and bailed out that.
Obama said this exactly when you want to be president.
This is why I ran, because we have the opportunity to shape history for the better.
Well, Obama seems to spend most of his time rewriting history, especially his own.
But shouldn't the president be trying to shape the future?
What's he worrying about history for here?
The opportunity to shape history for the better.
What about our children's future?
Of course, we can understand why Obama doesn't want to bring up the future.
He's doomed it.
The future under Obama's policies is not something people want to look forward to.
So now he's looking at the future as history.
Yeah, we have the opportunity to shape history.
With polls showing Democrats in serious trouble during an anti-incumbent election year, Obama said that helping Democrats get elected in November is his focus over the next several months.
Well, whoopie-doo.
Let's see how that works out for him.
Seems like that hope and change.
Try these headlines here, folks.
Fake media.
Just yesterday, all of Twitter over the shrimp season in the Gulf.
Gulf shrimp season off to slow start.
Gulf shrimp boats return to uncertain future.
Fall shrimp season opens in Gulf as oil fears persist.
Gulf seafood put under microscope.
Questions linger as shrimp season opens in Gulf.
Gulf seafood will be thoroughly checked for oil.
Gulf fish gets unprecedented safety tests.
That's a series of headlines.
And now a story today.
After all of that, consumer confidence, the biggest catch for Gulf Fleet.
Shrimp industry officials are more worried about consumer confidence than they are oil in the product because they can't find any.
So another example of fake media depressing a market trying to recover from a phony catastrophe that never happened in the first place that they perpetrated.
The regime is holding a housing summit in Washington today.
Timmy Geithner speaking.
The regime holding a housing summit.
A housing summit.
Why do I think this is a prelude to that rumor becoming reality that we're going to have Fannie Mae forgive all of the underwater mortgages they're backing?
Why do I have that feel?
Well, the Democrats are proposing bailing out the Teamsters, and that's just the first of the waterfall.
The Teamsters pension fund, and they worked tirelessly to elect Obama.
But there's no question why this is happening.
There's political payback.
But you notice, I mean, it's the vast majority of the people in this country are the ones getting the royal shaft each and every day.
By the way, we have a new iPad winner.
We've had our third giveaway, Jeremy N. of Fairbanks, Alaska.
Now, Friday's winner was from Montana.
Last night's drawing produces the winner Jeremy N. of Fairbanks, Alaska.
What are the odds of that happening?
So we've got six more iPads to give away on our Facebook page.
It's facebook.com slash Rush Limbaugh.
Created the page to showcase 20 wedding photos from the wedding of the year, perhaps the wedding of the century.
Mine took place on June the 5th.
And you can register if you haven't already.
Worth the 407,000 last time I looked.
407,000 friends on Facebook.
And all of those people have thus signed up to be eligible for our iPad giveaway.
These are special iPads.
First are top of the line, 64 gig 3G capable along with Wi-Fi.
Engraved, sizably so on the back, the EIB logo and my signature.
Six more to go.
Every Monday, Wednesday, and Friday, we'll give one away until August the 30th.
The address again, facebook.com slash Rush Limbaugh.
And congratulations to Jeremy N. of Fairbanks, today's or actually last night's winner.
So they have this story about all the anticipation, the shrimp business, the oyster business getting back up in the Gulf.
Now, we haven't had any oil.
They can't find it.
There hasn't been any massive destruction.
All there's been is panic.
Panic that was caused by a bunch of lies.
Went through this all last week.
The media and science, two of the four corners of deceit, creating a crisis where none existed.
Panic.
Shut down the tourism business to the Gulf, frightened people into going.
And so now we've had all these headlines yesterday.
All of these headlines.
The shrimp industry.
Will people worry about it?
Will people find oil?
Will people buy the shrimp?
Of course we're going to get scaremonger stories like that from the media, but we actually have one that's pretty accurate.
Shrimp industry officials are more worried about consumer confidence than underlies a whole network of fishermen and ice makers, processors, and distributors.
The industry is worth more than $100 million a year in Louisiana alone.
Ewell Smith, executive director to Louisiana Seafood Promotion Marketing Board, said that after the Ex-N-Valdee spill in 1989, Alaska seafood producers spent $10 million a year for 10 years to rebuild the brand.
In a test run last Friday, shrimpers found no sign of oil on their nets or their shrimp, Mr. Smith said.
But shrimpers had trouble finding buyers.
I wonder why.
The Food and Drug Administration said that all seafood samples had tested below the level of concern for health risks from petroleum compounds and that it was developing a test for dispersants in food.
Only two of 2,500 water samples, only two out of 2,500 samples have tested positive for dispersants.
USA Today, Gulf oyster beds could start rebounding in the fall.
It looks like the only recovery going on is in the Gulf, where we had this drastic oil spill.
Housing starts rise less than expected.
Well, darn.
I was just certain housing starts were going to boom.
I mean, I'm looking out there at all the economic activity, and I don't know about you folks, but I was expecting a rebound, a big boom in housing starts.
And imagine I get up and read the headline today in Reuters, and I'm depressed.
I mean, all the things are pointing to a huge boom in housing starts.
We got extra money.
People are going to work left and right.
Old houses are worth a lot more than they used to be, so we can sell them to build new houses.
The banks are lending money.
We all have jobs that are finding jobs.
Everybody's salaries are increasing.
Taxes are going down.
There isn't a lot of houses on the market.
I mean, what could go wrong here?
What the hell happened?
Yes, of course I'm being facetious.
Housing starts rise less than expected.
Who the hell expected them to?
Housing starts rose, but to a much weaker rate than expected in July, while permits for future home construction fell to their lowest level in more than a year, pointing to a weak economic recovery.
How many things have to point to a weak economic recovery before the Democrats and the fake media get it that there is no recovery?
Analysts polled by Reuters that expected housing starts to rise to half a million units compared to July last year.
Groundbreaking activity was down 7%.
New building permits, which give a sense of future home construction, dropped 3.1% to a $556,000 or $565,000 unit pace last month.
That's the lowest level in over a year since May of 2009.
And the news does not get any better no matter where you look.
California gays must wait to get married during the Prop 8 appeal.
Gay couples who had been gearing up to get married in California this week had to put their wedding plans on hold once again after the Ninth Circus Court of Appeals said that it wanted to consider the constitutionality of the same-sex marriage ban.
So the stay on gay marriage enforced their hope to get to oral arguments on the first week of December.
Laurette Healy said, well, actually, this is Marcia Davalos of Los Angeles, a healthcare advocate who had planned on marrying Lorette Healy.
He said, it's saddening just to know that we still have to keep waiting for this basic human right.
We were getting excited and all of a sudden it's like, ugh, it's a roller coaster.
Folks, I mean, I really feel for these people, too.
I mean, here they were ready.
I mean, this week, this week, they were going to go out and get their marriage licenses and they're going to get married and go on honeymoons.
Just think of how hard it must be for these couples to put off having sex now until at least December till they get married.
It's just not fair.
You know, I keep reading stories, and you know them as well.
Every day, every day, more news of a declining, slowing economy, which never really did pick up a recovery.
More and more people losing their jobs.
And I'm just asking myself, what happened to all of those shovel-ready jobs we were promised a year and a half ago with the stimulus bill?
Porculus bill.
Well, now they were holding it for this year.
I don't know what Biteny said that they were going to be producing all these.
Well, the fact of the matter, I don't care what Bitene said about when or what or how, but we're not doing it.
We're not producing any jobs.
And yet, all we heard about was all of these shovel-ready jobs that we were promised a year and a half ago.
And it looks to me like the only shovel-ready job is going to be the job of burying a Democrat Party.
Because I'll tell you who's got the shovels is us.
And who's shovel-ready is Democrats.
And there's Obama out there raising money, ostensibly for the midterm election.
He's not raising money for Democrats.
He doesn't care less.
If you listen to his speech, those fat cats in Hollywood, it's all about him.
I brought the most progressive agenda, legislative agenda in a decade.
I've done this and I've done that.
I brought more socialism and FDR.
Yeah, and look where it got us.
He's not talking about the nation.
He's not talking about his fellow Democrats.
He's talking about himself.
Everything's viewed through the prism of Imam Obama.
And yet everybody thinks he's out there doing what he's doing to try to help the Democrats.
This is from Bloomberg, China.
The ChiComs have cut their holdings of Treasury notes and bonds by the most ever.
Raising speculation, a plunge in U.S. yields that sent two-year rates to a record low has made government securities unattractive.
The Chikom's holding of long-term T-bills fell by $21 billion in June, down to $839 billion.
Total ChiCom investment in U.S. debt declined 2.8% to $843.7 billion, the least in a year.
The ChiComs are our largest creditor.
They're cutting back after scrapping its currency peg in June, giving it less reason to buy dollars and invest them in treasuries.
The ChiComs are also turning more bullish on Europe and Japan, buying the bonds of both of those nations.
Is anybody asking us, why is it the ChICOMs are the ones buying?
Are we buying up ChiCom debt?
Do they have any debt?
They've got debt, but they're buying ours.
The shift comes as President Imam Obama increases U.S. debt to record levels, counting on, I know, I know it's the media tweak of the day.
We'll see.
You know, yesterday I said it's the first anti-American history, and it worked.
They had cows over there at MSNBC.
I mean, it's just the fun is there.
Don't misunderstand.
But it's getting to be too easy.
I mean, it's getting to be too easy to tweak.
I don't care.
Guest hosts, regular hosts.
I don't care who it is at MSNBC.
It's just with a snap of the fingers, I can send them into a tizzy.
I can send them into a tailspin of anger and incredulity, and they can't believe it.
And they go out and they get all these quasi-Republicans.
You agree with what Limbaugh said?
Obama's the first anti-American.
Oh, no.
No, I wouldn't say that.
We don't want to anger the independent, anger the independents.
I'm sorry, it's Imam Obama who's done that.
The independents are fleeing Democrats in droves.
You know, some of these people, some of these Republicans are so formulaic that they just don't see the trees for the forest or whatever the forest for the trees, whatever the phrase is.
They just, it's just, and they're as easy to play as these Democrats.
Well, yeah, okay, I can play a soundbite from it.
Let's see.
Let me find it.
What is it?
Is it number 20?
Yeah.
It's, yeah, here it is, number 20.
Michael Smirkanish, who's the, those mornings at our Philadelphia Blowtorch affiliate.
I met Michael last time I was in Philadelphia for Rush to Excellence tour.
Met him and his father backstage, and he knows what we do here.
He knows what we do on the EIB.
He wrote actually, and I thanked him for it, a tremendous column reviewing my Rush to Excellence appearance.
But he's sitting in for Matthews on Hardboiled.
And he was talking to GOP strategist John Fury, who I'm not sure.
I think this guy has had problems with me in the past.
I don't recall specific.
The name rings the bell.
I confuse him with a former catcher for the New York Yankees, John Flaherty.
Fury Flaherty.
At any rate, here's the exchange.
Does the Republican Party benefit by having Rush Limbaugh, who's truly the titular head of the organization as far as I'm concerned, say that he's an anti-American?
He's the commander-in-chief.
He's all of our president.
I mean, I hear moderates and independents turning away when they hear such a thing.
Let me state clearly that I do not believe that President Obama is the first anti-American president.
I think that comment's ridiculous.
Okay, I think that's enough.
Yeah, I mean, this is just too easy.
It's just really, Republican Party hurt by this.
Let me be the first to say that Obama is not the first.
Well, then who is?
If Obama's not the first anti-American president, who is?
May I be more respectful?
Imam Obama, peace be upon him.
Let's see what they do with that tonight.
Here's Scott in Los Angeles as we go to the phones.
Great to have you on the EIB network, sir.
Hello.
Hey, Rush.
Honored to speak to you.
Thank you very much.
Hey, I've been listening to all of these bailouts going to, let's say, teachers' unions, and now they're talking about taking care of these other unions.
And it just to me seems crazy that the unions will take money from the employees and spend that money on the Democratic committee.
Democrat.
Democrat.
Committee.
Yeah.
As opposed to putting that money towards these pensions that need to be bailed out now.
No, no, no.
That's for the employers and all the taxpayers to do.
Right.
I mean, it's just absolutely ridiculous that, I don't know, I just don't hear enough people talking about it or doing the math in.
This is how much money they gave to the Democrats.
Now we need to bail them out for this much money.
If you took this and minus that, we wouldn't need to bail them out.
Well, you know, we're talking about need to, have to.
Where is the where do we get past the fact that we have to?
You know, much less that it's our responsibility or our obligation.
You know, that's what's the big change here.
The fact that people are broke, there's nothing new about that.
That's been happening since we invented money.
But all of a sudden now in America, if you're broke and you happen to have supported a Democrat, it's the American taxpayer is going to pay you back.
I mean, that's the point we've gotten to.
So if you are a union member or, hell, anybody, if you voted for a Democrat, if you've raised money for a Democrat, it doesn't matter.
And you're broke, don't worry about it because legislators are going to pass laws in Congress that somehow raise taxes on everybody who didn't vote.
Well, actually, on people who did vote Democrat as well, bail you out.
It's and so when do we get to this point?
Well, we got to this point.
We've been building to it.
I mean, this is where we've been heading with the Democrat Party and their unholy alliance with unions for all these years, decades.
But now that we've got a guy in the White House who totally owes his election to them, now we got to the point where, oh, yeah, Teamster's pension, underfund, don't sweat it.
Paul Casey and Earl Pomeroy are going to take care of it.
Legislation to raise taxes, to bail out the depleted teachers, a Teamster's pension fund.
And that's just the beginning.
No wonder.
Never mind the fact we don't have the money to do this.
All right, get this, folks.
According to the U.S. Department of Labor in 2009, the National Education Association raked in $355 million in dues and agency fees from mostly teachers around the country.
Money also came in from other receipts and interest payments.