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[Music] you hello everyone this is Calvin Russell CEO and founder of apt Club credit consultation over everyones doing well today today were gonna talk about a topic that is taken the internet world by storm especially the finance and credit industry as a matter of fact I actually saw the story when it first came out on Monday I said did a video then but I was like you know what I thought it was beating a dead horse I didnt know how serious it was and sure enough once things got confirmed but keep in mind everything is not finalized yet of course the the court has yet to approve the actual actual with no class settlements okay theyre just putting it on the table and theyre just preparing everyone thats a part of this settlement or that may be a part of the settlement what the payout would be okay and just so you guys know everyones talking about millions of dollars this and millions of dollars that heres the deal theres a lot of people thats gonna have a money I mean their h