39 minutes ago, TedG said:

It’s another dumb lefty talking point.

How's that.

2 minutes ago, scorecard said:

How's that.

Considering the 1.8 trillion deficit, it's a dumb talking point. 

18 hours ago, Alan Zweibel said:

To continue health coverage for themselves and their two teenage children, the Newtons would have to pay an annual premium of $43,000 — about a third of their gross income. It is the price of the cheapest plan available to the family from Blue Cross Blue Shield of Wyoming, the only ACA insurer left in Teton County.

Or they could just save the money and not have health insurance.

Like most other people in the world.

7 hours ago, Celsius said:

 

Perhaps USA should join Canada.

 

Everything free. I'm livin' the dream.

No such thing as free, as you have a huge tax burden, and probably your biggest monthly expense.  50% of USA income earners pay 2.5% federal income tax.  Canada's overall tax burden is huge in comparison.  Most pay 20% or 26% for federal alone.

 

That's a lot taxes for free healthcare, especially for someone like me, who never really needed it.

 

 

 

Trump supporters, foreign and domestic,  can try every deflection they wish, and indeed are already doing so, but this report of the obscene cost of health insurance is just one of millions that American voters are facing.

 

The payback for which will arrive in the ballot box at the mid terms.

 

 

The nub of the argument is really whether you wish to live in a society which features health care available to all free at the point of need, funded by a variety of taxation methods, or a society in which the individual must purchase healthcare  through either private insurance or simple payment.

 

The former case - a government (taxation) funded system of course relies upon the parliament supporting and voting the funds. Taxation is greater, but if the ministers are drawn from and answerable to the parliament then the impetus to manage that taxation is greater. That only works properly when the executive (ministers running the system) and the government, are drawn from the parliament,  are directly accountable to and can be dismissed by that parliament.

 

The later case certainly reduces the burden on the state - which in turn should reduce taxation. It's principle disadvantage is that it does not serve the needs of the poorer or sicker members of society ( often linked), they go without. It does of course benefit the wealthier or healthier (again often linked), they buy treatment. 

 

Thinking on, I am not sure that the US system lends itself to a "National Health System" on the British, Canadian or other European models. This is simply because the executive (health minister) is removed from direct parliamentary involvement.  The discussion could be deepened of course to cover the current effective emasculation, of parliamentary (Congress) contribution to government, but perhaps this is not the place for that. That would open up a whole new debate on how "universal" a society should be, and how it governs itself.

 

 

 

20 hours ago, Alan Zweibel said:

But for the Newtons and many others in the country, next year’s menu is severely limited: There is only one company offering ACA plans here — and costs have risen steeply.

 

There are 2 simple solutions for the Newtons:

1) Emigrate to Canada. Universal healthcare.

2) Set aside a fund to self insure like many do here in Thailand.

 

15 hours ago, BLMFem said:

Actually, you're spot on!

 

Except no one mentions the weather.

 

5-6 months of winter in most parts of Kanada.

 

You will need to earn $1-2 million/yr after tax to live comfortably on the west coast (B.C.) to avoid that.

 

Most Americans cannot do that.

 

Most of the USA the climate is agreeable.

 

Even Minnesota looks like tropical Mexico compared to Alberta.

18 hours ago, KhunLA said:

The left have been in control.   Trump 1 was completely sidetracked with impeachment and corrupt DOJ, along with picking poor advisors.   Dem controlled House also.

 

He corrected that so far, this administration.   

 

If he could replace ACA, that would be a historic accomplishment, and beneficial to the 100s of millions that use medical services, or rely on premiums.  Healthcare was way more affordable before ACA.

 

Will never happen though, as the deep state is really enjoying their profits.  Both Dems & Reps are simply too corrupt.  If not for Vance, I think they would have bumped Trump off already.

 

Vance and Rubio, scare the hell out of them.

Vance could only scare a schoolgirl. Unless you consider the possibility of him becoming president, which is really scary. 

 

He is the very definition of an empty suit, there's absolutely nothing there. 

17 hours ago, Alan Zweibel said:

For the first 2 years of his presidency Republicans controlled the House and Senate.  And how exactly did the ACA make employer sponsored plans more expensive. As for "the deep state is really enjoying their profits".... you got any actual evidence to support that claim?

 

 

 

 

https://www.congress.gov/119/meeting/house/118494/documents/HHRG-119-JU13-20250715-SD014-U14.pdf

9 hours ago, TedG said:

False 

https://www.congress.gov/119/meeting/house/118494/documents/HHRG-119-JU13-20250715-SD014-U14.pdf

59 minutes ago, Woke to Sounds said:

 

There are 2 simple solutions for the Newtons:

1) Emigrate to Canada. Universal healthcare.

2) Set aside a fund to self insure like many do here in Thailand.

 

The term ‘self insure’ is an oxymoron.

 

If the Newtons (and millions of Americans like them) can’t afford the health insurance premiums they definitely can’t afford to ‘self insure’.

 

Health costs in Thailand are a fraction of those in the U.S. no meaningful comparison can be made.

 

 

19 hours ago, KhunLA said:

Thank you Obama, and one of the main reasons I decided not to retire in USA.  Overall 'rent' (health ins & RE taxes) is poor return for dollars spent, for the privilege of staying in USA.

 

Even at retirement age (66), and if on Medicare (past 5 yrs), that Plan B premium, is more than I've spent on healthcare in TH, (without premiums + deductibles for everything) and just pay cash, which include full med check ups every couple years, and not really covered on Medicare, without deductibles for GP, Specialist, and test / procedures.

 

Add paying the govt 'rent' (RE Taxes) for a house you already paid for and own, is just silly.

 

So at 45, I didn't know where I was going to retire, I just knew it wouldn't be the USA.  Get more bang for your buck, now baht, elsewhere.  Along with almost everything, (except maybe food) is much cheaper here, since closer to CN, or anything that involves labor.

 

 

 

NO, Not President Obama's fault. The cost of healthcare in the USA is a reflection of ithe USA and its population's pursuit of a for profit model.  If you want the cost of healthcare to be reduced then you must accept that the government can set salaries, and the cost of medications. Your blaming Obama for a situation that is a reflection of the USA is an insult to people's intelligence, and is a reflection of personal bias and, nothing else.

 

The reasons healthcare costs can be lower in Thailand are;

- Physicians earn a fraction of what they earn in the USA. No one makes USD $2million+ unless they own the hospital in Thailand.

- The cost of medical malpractice in the USA (settlements, risk management programs etc.) is in excess of $100 billion. That cost has to be recouped. Thailand  does not have this cost. How do you expect the US healthcare system to cover the costs unless it passes back those costs to its users?

- Thailand does not have state of the art medical care. The procedures and equipment  that one sees in the west and at for profit health facilities in Japan and South Korea are usually unavailable in Thailand. How many hospitals in Thailand offer screening for lung cancer using a low radiation CT scan? They are still relying on chest xrays and the old clunker devices from a decade ago. How many hospitals are offering cardiac nuclear scans using the newer low radiation dyes? Need an MRI outside of  Bangkok, and where are you going to get it? The cost of procedures in Thailand can be just as expensive as in the USA if you want  the procedure done properly. Need the most advanced  oncology? Well ,you will need to go to Hong Kong, or  Japan or Singapore. Genetic based mapping treatments are not available to the general population in Thailand.

You have confused basic general healthcare with serious medical treatments. And even there, the costs  can rival those of the USA. My last visit to the hospital here for some basic blood work was 15,000 baht. 

 

 

Your complaint about paying taxes on an "owned" house is a reflection of your own selfishness and greed. Who do you expect to pay for the fire, ems and police services that you  have access to? Who do you expect to pay for the  upkeep of the civil infrastructure that supplies your home such as power, transport, water and sewage? The  taxes that apply are a fraction of the actual cost to supply all those services.

 

 

17 hours ago, Alan Zweibel said:

I'm sure in your mind that this has something to do with the ACA. I'm at a loss for how to unconfuse you.

I was paying $16,800 a year for Obamacare as a single man. During Biden. 

 

That was in Texas, where health care costs are significantly lower than Wyoming where none of the cities have enough of a population to support a first class hospital.  I learned that the hard way when I worked in Wyoming (also learned a lesson about "reasonable and customary charges", but that's another topic.)  My CT scan that cost me $2500 in Casper would have cost me $1500 in Houston.  I called around for quotes.  And it's not as if $1500 was a reasonable price, either.

 

$43K for a family in Wyoming sounds horrible, but that's the way it was long before the Bad Orange Man.  Especially Teton County- where the millionaires are crying because the billionaires are driving up home prices.  If you have a life threatening emergency in Jackson, you're getting on a medivac flight to Denver, maybe Billings.

 

ACA is a total fustercluck, exacerbated by charges that hospitals can never recover when they treat a "newcomer" in the ER.  We're all paying for that.  Out the nose.

6 minutes ago, Patong2021 said:

Your complaint about paying taxes on an "owned" house is a reflection of your own selfishness and greed. Who do you expect to pay for the fire, ems and police services that you  have access to? Who do you expect to pay for the  upkeep of the civil infrastructure that supplies your home such as power, transport, water and sewage? The  taxes that apply are a fraction of the actual cost to supply all those services.

 

My 'lifestyle' in TH, wouldn't even be allowed in most towns in the USA.  Have solar, collect rain water and septic tanks, and are a few not allowed in some places.   You have to use city services.  I see YT & FB shorts & reels of court cases people fined silly amount for not be connected to community utilities.  Even in very rural areas, where impractical to be connected.

 

I paid school taxes for decade, never had kids.  My house now is block & steel, so I wouldn't need fire services.   I owned firearms in USA, so wouldn't need police services.   Use public roads, but also paid road taxes.

 

Wouldn't mind paying taxes, if not wasted.   But they tax my income, tax what I buy, with that taxed income.   Tax me yearly while owning, what I was taxed when bought, with taxed income.   Tax extra income I earned (risk by me) with taxed income.   Tax benefits, income I earned by paying soc sec tax to have the income, if over a certain amount.   Then they even tax you when you die.

 

Worse if you get married, as now you joint income, puts you in a higher tax bracket ... 

 

ENOUGH ALREADY.

2 minutes ago, KhunLA said:

 

My 'lifestyle' in TH, wouldn't even be allowed in most towns in the USA.  Have solar, collect rain water and septic tanks, and are a few not allowed in some places.   You have to use city services.  I see YT & FB shorts & reels of court cases people fined silly amount for not be connected to community utilities.  Even in very rural areas, where impractical to be connected.

 

I paid school taxes for decade, never had kids.  My house now is block & steel, so I wouldn't need fire services.   I owned firearms in USA, so wouldn't need police services.   Use public roads, but also paid road taxes.

 

Wouldn't mind paying taxes, if not wasted.   But they tax my income, tax what I buy, with that taxed income.   Tax me yearly while owning, what I was taxed when bought, with taxed income.   Tax extra income I earned (risk by me) with taxed income.   Tax benefits, income I earned by paying soc sec tax to have the income, if over a certain amount.   Then they even tax you when you die.

 

Worse if you get married, as now you joint income, puts you in a higher tax bracket ... 

 

ENOUGH ALREADY.

I’ve heard similar arguments from co-owners in condominiums who don’t want to pay for the lift or maintenance of the lift because they live on the first floor and need neither.

WE ARE ALL LUIGI!

17 hours ago, BLMFem said:

 

Actually, you're spot on!

 

 

 

How about quoting a comparison of house prices. That matters to most people.

9 hours ago, TedG said:

The ACA is a total failure.

Which is why a lot of Republican members are sh**ting bricks now that the extension has failed.

3 hours ago, KhunLA said:

No such thing as free, as you have a huge tax burden, and probably your biggest monthly expense.  50% of USA income earners pay 2.5% federal income tax.  Canada's overall tax burden is huge in comparison.  Most pay 20% or 26% for federal alone.

 

That's a lot taxes for free healthcare, especially for someone like me, who never really needed it.

 

 

 

"That's a lot taxes for free healthcare, especially for someone like me, who never really needed it."

Someone who apparently doesn't understand why there is such a thing as health insurance. Maybe, I'm being unfair. Maybe you have a time machine or a crystal ball?

It's true that health insurance is a lot of money if it turns out you didn't need it. On the other hand, it's a bargain if turns out you did.  

 

42 minutes ago, Patong2021 said:

NO, Not President Obama's fault. The cost of healthcare in the USA is a reflection of ithe USA and its population's pursuit of a for profit model. 

 

He may not be the root cause.  But neither did Obamacare make it better.  Just more convoluted and expensive. 

 

And if you believe the whistleblowers out of Minnesota, Maine and Ohio, much more vulnerable to organized fraud.

18 minutes ago, impulse said:

I was paying $16,800 a year for Obamacare as a single man. During Biden. 

 

That was in Texas, where health care costs are significantly lower than Wyoming where none of the cities have enough of a population to support a first class hospital.  I learned that the hard way when I worked in Wyoming (also learned a lesson about "reasonable and customary charges", but that's another topic.)  My CT scan that cost me $2500 in Casper would have cost me $1500 in Houston.  I called around for quotes.  And it's not as if $1500 was a reasonable price, either.

 

$43K for a family in Wyoming sounds horrible, but that's the way it was long before the Bad Orange Man.  Especially Teton County- where the millionaires are crying because the billionaires are driving up home prices.  If you have an emergency in Jackson, you're getting on a medivac flight to Denver, maybe Billings.

 

ACA is a total fustercluck, exacerbated by charges that hospitals can never recover when they treat a "newcomer" in the ER.  We're all paying for that.  Out the nose.

 

Insurance companies & big pharma, that wrote ACA, made healthcare unaffordable, and they reap the profits.   Pre ACA, it was bad enough.   Only ACA did, was stop insurance for dropping you, once you got sick, supposedly, although they still do.   Also they are suppose to cover you for pre existing issues.

 

Some states, it's illegal for the pharmacist to tell you, once you present your ins. or Medicare card, that it's cheaper if you pay cash.  

 

Meds are silly priced.   Gay friend of mine pointed out it's expensive to have safe sex in USA, if taking PrEP.  These numbers are crazy ...

 

USA ... Truvade $1500 a month

TH ... Truvada $50, I think he said, with TH generic <$15 ... that's nuts

 

Medicare Plan B cost ~$180 a month now, before you use it 

 

Me ... 5 yrs, official retirement Soc Sec, and round down to $150 a month for Plan B

$150 X 12 X 5 = $9000 ... in 25 yrs here, that's more than I've spent on healthcare, and that includes having 2 stents placed, only cost $6500, all in.

 

24 minutes ago, Chomper Higgot said:

I’ve heard similar arguments from co-owners in condominiums who don’t want to pay for the lift or maintenance of the lift because they live on the first floor and need neither.

Apples & oranges, as they signed up to live there.

 

One FB reels has judge dismissing an $8500 fine, for not being on municipal electric, water & sewer.   Living only 1/4 mile from closest access to, would cost the home owner ~$50k to simply conx to, without the silly monthly bills.

 

It's out of control, the greed to provide necessities, and not allowing to be self sufficient.

13 minutes ago, KhunLA said:

 

My 'lifestyle' in TH, wouldn't even be allowed in most towns in the USA.  Have solar, collect rain water and septic tanks, and are a few not allowed in some places.   You have to use city services.  I see YT & FB shorts & reels of court cases people fined silly amount for not be connected to community utilities.  Even in very rural areas, where impractical to be connected.

 

I paid school taxes for decade, never had kids.  My house now is block & steel, so I wouldn't need fire services.   I owned firearms in USA, so wouldn't need police services.   Use public roads, but also paid road taxes.

 

Wouldn't mind paying taxes, if not wasted.   But they tax my income, tax what I buy, with that taxed income.   Tax me yearly while owning, what I was taxed when bought, with taxed income.   Tax extra income I earned (risk by me) with taxed income.   Tax benefits, income I earned by paying soc sec tax to have the income, if over a certain amount.   Then they even tax you when you die.

 

Worse if you get married, as now you joint income, puts you in a higher tax bracket ... 

 

ENOUGH ALREADY.

 

Your arguments roffer insight into a deluded life. Seriously deluded, and cut off from reality.

Your lifestyle would not be allowed in the USA because your neighbors most likely do not want the raw sewage from your "septic tank" polluting their ground water or migrating into the water table. Local bylaws arre a reflection of community standards. Thats called democracy where the people in a community set  buildiung codes. Thailand also allows  abattoirs to  be next door to residential buildings.  The rules you celebrate explain why the people who are living in a new town house development  have to  accept the presence of a junkyard next door with  toxic waste kept and a breeding ground for  mosquitos in the piles of tires and garbage.

 

Yes, you paid for school taxes.  It oiis called being part of a community. If you want people to do the manual labor that benefits you, then you need to help- cover the cost of their training. If you want people to care for you in the hospital, they need to be educated. etc.

 

  My house now is block & steel, so I wouldn't need fire services.   I owned firearms in USA, so wouldn't need police services.   Use public roads, but also paid road taxes.

 

Incredible. block and steel is not impervious to fire damage. Is the area surrounding your home completely devoid of flammable items like vegetation?  You don't need police services because you own a firearm?  So, your solution to any problem will be to shoot  people. Ok, then. Your road taxes do not coiver a fraction of the cost of the  road network you benefit from.  Your lifestyle is being subsidized  by the people who are actually paying the large amounts of tax.

 

Rural Gravel: As low as $1.25 - $3 per sq. ft. or under $1 million/mile for simple ranch roads.

Rural Asphalt/Concrete (2-lane): $2 - $5 million per mile.

Urban Collector/Local (Reconstruction): $1.5 - $7.7 million per mile (2014 data, adjusted).

Adding Lanes (Urban): Around $10 million per lane-mile.

Major Freeways (With Bridges): $20 - $70+ million per mile, depending on complexity and urban setting. 

 

Sure, some tax can be considered to be wasted. However, that depends on the person's perspective. I consider expenditures to provide subsidies to rural airports, and road networks a waste.  The people who live in those communities consider such expenditures essential to their survival. When you fly in an out of the USA, you are benefiting from the  generosity and largess of taxpayers as it is unlikely that  your annual tax payments come close to covering the cost of the air services provided to you.

32 minutes ago, impulse said:

I was paying $16,800 a year for Obamacare as a single man. During Biden. 

 

That was in Texas, where health care costs are significantly lower than Wyoming where none of the cities have enough of a population to support a first class hospital.  I learned that the hard way when I worked in Wyoming (also learned a lesson about "reasonable and customary charges", but that's another topic.)  My CT scan that cost me $2500 in Casper would have cost me $1500 in Houston.  I called around for quotes.  And it's not as if $1500 was a reasonable price, either.

 

$43K for a family in Wyoming sounds horrible, but that's the way it was long before the Bad Orange Man.  Especially Teton County- where the millionaires are crying because the billionaires are driving up home prices.  If you have a life threatening emergency in Jackson, you're getting on a medivac flight to Denver, maybe Billings.

 

ACA is a total fustercluck, exacerbated by charges that hospitals can never recover when they treat a "newcomer" in the ER.  We're all paying for that.  Out the nose.

Another case of post hoc ergo propter hoc (after this therefore because of this). You make a claim that subsizized health insurance has raised costs of health care for everyone but offer no explanation of how that works. 

 

As for your claim that you were paying $16,800 in insurance. If you weren't benefiting from subsidies, that means your income was at least $197,647. If you were benefiting from subsidies. that premium looks suspect.

20 hours ago, KhunLA said:

privilege of staying in USA

 

Is this what you call a privilege?

 

What it a privilege in 1970 when I first left USA for Asia, and then once more in 1979 when I left, for good, to move to Asia (East Asia, that is)?

 

What you call a privilege, I call a hardship.

If you were to say:  Privilege of living in a privileged enclave in the USA, then....now your're talking....but there is a catch.

Anytime you leave your tiny enclave in America, you are hit with the REALITY of the SITUATION in the USA.

This never happens in Thailand.

This does not happen in Japan, nor in China.

Only in the USA is the cultural disparity so society-shattering, not to mention the wealth-disparity, and the educational-disparity among the population who are parts of different cultural communities, and socioeconomic groups.

 

Anyway, I like it here in Asia, and...

 

I can completely get along without the meeting up with some Jive-Talking, ghetto-oozing, Dude from the Hood.

 

I have a different perspective because I have existed outside the American-Bubble for more than 4 decades.

Only an antique, such as I, can know the TRUTH of what is now the Real America.

 

The Gen-Z of America are like aliens, compared to the Gen-Z of more sane places, like Thailand and like China.

Nothing but HUBRIS and NATIONALISM in America, for more than a couple of decades.

 

If I did return the USA, then I would first need to find a Chinese woman to accompany me, and this would be very expensive.

 

If any American Middle-Class Family wants two good options in order to NOT pay USD43,000.00, annually, on healthcare, then they have two options:

 

a. Move to Taiwan, and apply for refugee status or they might teach English if they are talented enough.

b. Go back in time, and do more careful thinking and planning, and then decide to not have a family.

c. There are no other options at this time, or will there be in the near future.

d. Who is running the show in the USA?  Do you think this will change without an impossible revolution? There will be no change.

e. It is impossible to justify living in the USA, paying crazy inflated rent, while being hosed for healthcare. It is no wonder cases of road rage in the USA seem to be skyrocketing...because...probably...most of the road rage is caused by people returning from doctors appointments and visits to hospitals for healthcare. 

 

People are desperate, and then we wonder why they choose Death by Cop? 

 

18 minutes ago, Alan Zweibel said:

"That's a lot taxes for free healthcare, especially for someone like me, who never really needed it."

Someone who apparently doesn't understand why there is such a thing as health insurance. Maybe, I'm being unfair. Maybe you have a time machine or a crystal ball?

It's true that health insurance is a lot of money if it turns out you didn't need it. On the other hand, it's a bargain if turns out you did.  

 

I'm 71 today (thanks), and 50 yrs of health insurance would have added up to a silly amount of money.   If my gene pool was a bit tainted, then yea, I may not have rolled the dice.   But healthcare was affordable, before ACA for most families.

 

It wasn't even a thought with me, having healthcare, till 32 yrs old, and one reason I again became a salaried employee, that offered health ins.   But didn't really need it the whole 13+ yrs I worked there.

 

They were self insured (let that sink in), so it didn't cost them anything, except subcontracting the accounting part.

10 minutes ago, KhunLA said:

 

Insurance companies & big pharma, that wrote ACA, made healthcare unaffordable, and they reap the profits.   Pre ACA, it was bad enough.   Only ACA did, was stop insurance for dropping you, once you got sick, supposedly, although they still do.   Also they are suppose to cover you for pre existing issues.

 

Some states, it's illegal for the pharmacist to tell you, once you present your ins. or Medicare card, that it's cheaper if you pay cash.  

 

Meds are silly priced.   Gay friend of mine pointed out it's expensive to have safe sex in USA, if taking PrEP.  These numbers are crazy ...

 

USA ... Truvade $1500 a month

TH ... Truvada $50, I think he said, with TH generic <$15 ... that's nuts

 

Medicare Plan B cost ~$180 a month now, before you use it 

 

Me ... 5 yrs, official retirement Soc Sec, and round down to $150 a month for Plan B

$150 X 12 X 5 = $9000 ... in 25 yrs here, that's more than I've spent on healthcare, and that includes having 2 stents placed, only cost $6500, all in.

 

How exactly did the ACA make healthcare unaffordable.  Haven't Americans always paid a lot more for medications than elsewhere? Why is this the ACA's fault?

As for insurance companies still dropping sick people..the only ones that can do this now are those that are allowed by the Trump administration. Garbage polices that turn out to be worthless when people need them.

1 minute ago, KhunLA said:

I'm 71 today (thanks), and 50 yrs of health insurance would have added up to a silly amount of money. 

 

I, too, chose to live without healthcare.

I save a VERY silly amount of money.

 

The only difference between me and you is that, for example, you have an investment plan for 2026.

 

And, no doubt, you invested the money you saved on refusal to pay healthcare premiums during the past 50 years.

 

I, on the other hand, did not.

 

If I, these days, were to have a coconut fall on my head, provided it did not kill me, then I would be in big trouble.

Fortunately, I do have some money in the USA to cover such scenarios.

 

But, who knows what will happen.

 

IF there were zero waste in the USA healthcare system, with no gaming of the system, without pharma milking the system, and without undue expenditures on keep the living-dead living on machines, just for profit, THEN it might make sense to pay for health insurance in the USA.

 

Which reminds me:  Maybe I should marry a Taiwanese girl, if I were to become ill or incapacitated.  Taiwan healthcare is magnificent, comparatively.

 

 

6 minutes ago, Alan Zweibel said:

How exactly did the ACA make healthcare unaffordable.  Haven't Americans always paid a lot more for medications than elsewhere? Why is this the ACA's fault?

As for insurance companies still dropping sick people..the only ones that can do this now are those that are allowed by the Trump administration. Garbage polices that turn out to be worthless when people need them.

 

You trolls are never ending, when all is explained, you just keep asking silly questions.   Seriously, if you have to ask again, when explained, again, you wouldn't understand, again.

 

Have a nice day.