
Black Man Gets Told The House Offer Is “Off The Table” Since It’s Cash Only, Proves Them Wrong
“Don’t you ever underestimate a hard-working black man.” Those are the words of Broadway star Robert Hartwell, who bought a house built by slaves back in 1820. The star’s post on social media about the house that he plans to fill with love went viral.
Hartwell also shared how the seller told him that it was a cash-only offer and added, “I’m sure that takes you off the table.” Well, the star proved the seller wrong, said that he feels proud to be a free gay black man, and added that “we are building our own tables.”
Bored Panda has reached out to Hartwell to hear more about his story. Scroll down to see what Hartwell’s gorgeous new house looks like, dear Pandas. And remember to let us know in the comments what you think of the entire situation.
More info: Facebook | Instagram | Twitter
Broadway star Robert Hartwell bought a historic house built by slaves and shared how the seller spoke to him about the purchase
Image credits: Robert Hartwell
Image credits: Robert Hartwell
Image credits: Robert Hartwell
Image credits: Robert Hartwell
The Broadway Collective founder’s post got 849k likes, 246k shares, and more than 131k comments on Facebook at the time of writing. Meanwhile, his identical post on Instagram got over 146.5k likes in a day.
Social media users supported Hartwell and congratulated him on his achievement and for starting a new chapter in his life.
Among his well-wishers were Hamilton star Ephraim Sykes, Tony Award winner James Monroe Iglehart, actress Kelli O’Hara, and Mad Men actress Teyonah Parris.
According to Hartwell, he was overwhelmed with gratitude for all the kind words that his friends and fans shared with him. He also added that he can’t wait to share more about the house renovations in the near future. So if you’re interested in updates, dear Readers, be sure to check out the Broadway star’s Instagram for stories about the house in the near future.
Hartwell has appeared in Hello, Dolly!, Motown the Musical, and other productions. He now calls himself an arts education entrepreneur and helps train the next generation of young and aspiring Broadway stars.
Social media users congratulated Hartwell on starting a new chapter in his life
How did the seller know this guy was black seeing as it mentions he called the seller and that is when the seller said that. Unless the seller had heard of him, it was a video call or I am just missing something. It is not like Robert is a stereotypical “black” name like Tyrone.
I am guessing timbre of voice or inflection. Some Americanized Black people have a specific inflection and/or dialect called Ebonics. Never heard Hartwell speak, so I don't know if he does. He could have also been using that way of speaking for a negative reaction. he is in theatre, after all. What is more satisfying than to be told you can't have it, than to plonk down the required cash to buy outright?
Load More Replies...African American Vernacular English, formerly Ebonics, is a dialect, not an inflection. However, you can speak standard English in a way that, like you said, does have an inflection and signify as black American. It tends to be how you pronounce certain words, timbre, and prosody.
Truth Monster, it had nothing to do with his voice .... Robert had met the seller when he went to view the house the week prior to making the phone call.
because Robert had gone in to see the house the week prior to making the phonecall, and had met the seller.
You are so right, I completely missed that part. My apologies.
Probably he told the seller. It's definitely not inflection or voice: https://www.youtube.com/watch?v=x_sZ3ZSKa6w
I wanted to judge for myself what a phone conversation with this man might sound like. Here's a link to a video of him speaking. You judge for yourself. https://youtu.be/x_sZ3ZSKa6w
I even admitted I was using a stereotype. I was using it as an example.
Cash only. What does that mean? Do you have to come in with a bag full of hundreds of thousands of dollars? Genuine question, we don’t buy houses with cash here.
Cash nowadays doesn't necessarily refer to printed money anymore. It can also mean a direct deposit. Meaning all money for the house sent to the original owner's account, instead of monthly payments through a bank or something similar.
Load More Replies...I'm curious now. You mean that in the US people buy a house and pay it off in monthly payments to the previous owner? I'm not quite sure but I really doubt if any private seller would agree to this kind of arrangement. How are they going to pay for their new house?
WIlvanderHeijden, while you *can* pay 100% of the cost to the owner, that's not usual. Normally what happens is you take a loan from a bank, the bank buys the home (minus your down payment), and you pay the bank monthly payments and interest until it is paid off. Until you make that final payment, the house actually belongs to the bank.
@wilvanderheijden. In some cases, that is a real thing. Falls under Owner-Financed. I've purchased and sold land this way. Person that hold current title will allow for monthly payments. Typically at a much higher interest rate than a bank but banks dont like loans for raw land. Most are balloon payments also. My current company is owner financed. It is $x per month for 2 yrs the remaining note is due. Bank wouldn't give a loan but in two years I would be able to refinance my debt and pay the balloon portion of the note off.
I think they mean they don't want to deal with the requirements of the buyers finance company/mortgage broker. It can slow things down with their required inspections/assessments, etc. They might not finance if the house had significant issues, isn't up to code. This house might have something about it that makes it unable to be mortgaged, or the seller wants a quicker, easier turn around, or he is just a crotchety old jerk, Or most likely, as it seems likehe called the seller directly, he is not using a broker, a cash sale would be easier for seller to navigate because a lot of what a broker does us to handle all that minutiae for you. He might have fielded a lot of phone calls from lookie-loos and it seems like his customer service skills are .....lacking.
Demi... "cash" means you do not need a loan from the bank to finance the house. It usually happens when a buyer sells their previous home for a high price, and finds another home in a different area that costs less. The bank transfers the money from the sale of the first house to the purchase of the second house (the person selling the previous home keeps anything left over) and they now own the house outright, no monthly payments. It's a pretty common thing for for people selling in high-cost areas (like California) and moving to low cost areas (Like Mississippi).
Cash only means the buyer has the funds available and doesn't need to borrow money from a bank. Bank loans require inspections and often stipulate that the building be brought up to modern building code. Cash sales can be completed faster and with less hassle to the seller. Sellers aren't likely to accept a bag of cash -- usually the buyer's bank makes out a check to seller. Also known as a "cashier's check" rather than a personal check.
"Cash only" generally means the full price of the house is paid in one fell swoop, via a bank-certified check. The buyer places the cash with his or her bank, and the bank issues the certified check. When the seller deposits the check in their bank account, the actual cash is transferred from the buyer's bank to the seller's account. (I used to work in a bank...dealt with stuff like this a lot) Also, most buyers in the USA only have to come up with 10% of the price as a deposit...the rest they get as a loan from the bank, called a mortgage, and pay off the mortgage with interest to the bank. That way the buyer and seller aren't tied to each other for years.
Having bought a house in the US - twice but not for 'cash' - let me explain. You purchase a house through a "Title" company. They handle the mortgage and /or money transfers. You are informed of the amount of a cashier's check (a verified check issued from your bank) required to "close" the transaction. This amount will include any down payment and fees - like the mortgage lender and title company and government recorder and sometimes realtor fees. No one who is at all savvy will purchase a house - with or without mortgage - through anyone except a title company. They verify "clear" title and ensure all the proper liens are paid and the house is really, truly the buyer's when all money is transferred either from the bank handling the mortgage or to the seller (if paying "cash"). (Lien - an amount owing for various reasons - sewer improvements in the neighborhood, for example. The lien is either paid off in increments or when the house is sold.)
Paying in "cash" means the seller gets the full amount of the selling price minus any fees (realtor, recording office, liens, etc) immediately. No one that I have ever heard of actually walks into the title company with a mountain of real paper money. I believe the title company would refuse it anyway. Instead, you bring that cashier's check from the bank for the required amount. Yeah, the entire transaction is a major pain in the patootie and you should see the stack of paperwork the buyer needs to sign or initial. Yikes. If you buy with a mortgage, you get a temporary deed (actual name varies depending on state) and when you pay off the mortgage, you get a another deed saying you own it free and clear. Complicated? Yeah - I don't blame anyone who doesn't have their own lawyer and doesn't want to own property.
Cash only means that the payment is to be made in full without any loans. It is usually done by certified means, like a certified check or transfer of funds. To answer another question - sellers can make a loan to the buyer so the buyer pays the seller instead of a bank on a month to month basis.
This is one of those stories that there is a lot of suggestions that race is a major factor, but I don't really think that it is. Like it's trying to put this story in a "relevant" context.
I would have to ask you if think *any* stories you read where race was a major factor - if race was actually a major factor or if the idea makes you so uncomfortable you deny it in most or all cases. The seller's advertized offer said *nothing* about cash only. Cash only is so incredibly rare that it would push MOST people out of the game so the original offer would have mentioned it or the seller would have had their heads handed to them if a prominent white person had expressed interest but had been told "sorry, cash only." When it looks like a duck and quacks like a duck...
Load More Replies...If not race, I wonder what you suppose caused the seller to assume this buyer wouldn't have the cash available? Some type of prejudice (by definition) was at play -- unless the seller supposed this of each person who inquired which seems unlikely. Perhaps the buyer was incorrect about the particular prejudice that caused the callous comment. He probably assumed it was due to a kind of prejudice he has encountered before. I accept that he has been on the receiving end of it and this was a very satisfying moment. Maybe every person who is sharing a story should write a detailed account for you so that you understand the reasons for their perceptions. Or maybe you could start to believe that people experience this sort of thing all the time.
Somehow I feel Robert is going to do his best to research the names of the slaves who were living with the Russell family while his beautiful house was being built, and not only display their names in it (and pictures if he ever finds any!), but also say their names out loud everywhere so they won’t be forgotten. He just seems like the type of good, kind, gentle, thoughtful person who would honor them that way.
all these articles on here with supposed racism. that was a tactless comment from the agent before qualifying the buyer, but come on. thats a 500k-1m house all day depending on the area (didn't see location or price). That id going disqualify most buyers, even wealthy ones, from paying CASH. They get their time wasted often by people coming to look who cannot pay cash. shouldn't of said what they said, but doesn't sound very racist.
Does this make you a privileged Millennial....as so few are capable of buying a house?
Ofc it does lol, my broke a*s could never afford something like that even I had to work for the next 30 years for it.
Load More Replies...Are you triggered by that word Truth Monster? I think you are well aware that the connotation of the word privileged in current conversations relates to people seemingly not even being aware that they have always had certain benefits, and the same time go about fully expecting to be treated with deference and granted all their wishes. People don't disparage people for having "made it" or being successful. Those of us who start at the starting line (rather than 10, 20, or 30 feet back with an anvil chained to their legs) who are all "I had to work really hard to get what I have" and who can't recognize their blessings are the ones being referred to as privileged. Good for you for not being a slacker and working hard for what you have. You were still privileged to start at the starting line and get to the point of having opportunities. That's the point. Folks who started out 10, 20, or 30 feet past the start line who disparage others for not being successful are even worse.
I SAW HIM ON BROADWAY IN THE 2017 CAST OF HELLO DOLLY AS AN ENSEMBLE!!!! AHHHHHHHH!!!! O MY GOSH!!!!!
Homes have to be up to modern codes for mortgages. This property is a historically registered property that can't get the upgrades for preservation reasons. . The foundation is slab construction for example, while lenders want a poured foundation for example. Most historically registered properties are purchased cash only. I have done work on a couple proerties in SC. If you buy a historic property you only sorta own it.
I'd like to hear the sellers side. With just a few words he took price negotiation out of the transaction. He's probably on some tropical island with his bags of cash. Smirking.
That's a GREAT story! However, as a white woman, I've been judged by the way I dress and ignored at furniture stores, car dealers, etc. because they didn't believe I had money either. People are ignorant. When are they going to stop judging books by their covers? Sometimes the scariest covers have the BEST stories!
I hope you can cook baby - 'cause when I come to visit I expect a decent meal!
This is a marvelous heartwarming story! I am so pleased about your comment about God our Father. He has blessed you abundantly - your smile tells me all I need to know about your journey to becoming a homeowner. Stay well, be happy and continue to look up!
There are no human races, there ethical groups. If there was human races like animals, for instance lion can't mate with a parrot, OK! All humans can have children with someone of an other ethical group.
So happy that he was able to prove the sellers wrong and buy the house. Congratulations!!
His home is gorgeous. Wish we could see the inside. I love an old house!
I call BS. Any house sale is cash only if you have a mortgage credit lined up. The seller always receives cash, just not fromnthe buyer, but from the financial institution. In any case, good for you and congratulations on your accomplishment.
Love this story so happy you got this home my brother! May you be blessed and may all of your generations continue to live in this home!!
omg i get emails from this guy for the broadway collective!! happy for him!
I managed several small stores and worked for a chain of stores. The first thing I told the clerks was be polite and helpful to everyone equally. You have no idea what's in their bank accounts. That homeowner was showing his bigotry.
In Cranbrook BC, there was a residential school that was bought by Indigenous and turned it into a Resort making millions off of s****y white people
About bloody time. This shouldn't be a special story though. Should be normal.
Congratulations on your beautiful new home. I hope you have many wonderful years there and you fill it with all the love in the world. Your ancestors are looking down on you and blessing you with their pride. You deserve every happiness and all the love and luck in the world. Just keep being you as this world needs more people like you in it. Thank you so much for this wonderful and truly inspirational story. It made my day.
who cares what the colour of the person, religion or gender is the buyer! Those who are so terribly concerned shouldn’t offer it for sale. I live in Canada and we don’t give a damn. You are so obsessed, it’s so tragic, you will never get over it!.;(
Imagine the disappointment of some rich white people who wanted to bulldoze it down to hide their old shame! :D
Why assume a man can't afford a house just because he's black? There are plenty of black men in this country who earn well enough to make their dreams come true.
Alright y'all, call me Karen if you want but I've been told (as a white woman) "this is probably off the table for you" too, because yes, like most Americans, I'd have to make payments.
Load More Replies...How did the seller know this guy was black seeing as it mentions he called the seller and that is when the seller said that. Unless the seller had heard of him, it was a video call or I am just missing something. It is not like Robert is a stereotypical “black” name like Tyrone.
I am guessing timbre of voice or inflection. Some Americanized Black people have a specific inflection and/or dialect called Ebonics. Never heard Hartwell speak, so I don't know if he does. He could have also been using that way of speaking for a negative reaction. he is in theatre, after all. What is more satisfying than to be told you can't have it, than to plonk down the required cash to buy outright?
Load More Replies...African American Vernacular English, formerly Ebonics, is a dialect, not an inflection. However, you can speak standard English in a way that, like you said, does have an inflection and signify as black American. It tends to be how you pronounce certain words, timbre, and prosody.
Truth Monster, it had nothing to do with his voice .... Robert had met the seller when he went to view the house the week prior to making the phone call.
because Robert had gone in to see the house the week prior to making the phonecall, and had met the seller.
You are so right, I completely missed that part. My apologies.
Probably he told the seller. It's definitely not inflection or voice: https://www.youtube.com/watch?v=x_sZ3ZSKa6w
I wanted to judge for myself what a phone conversation with this man might sound like. Here's a link to a video of him speaking. You judge for yourself. https://youtu.be/x_sZ3ZSKa6w
I even admitted I was using a stereotype. I was using it as an example.
Cash only. What does that mean? Do you have to come in with a bag full of hundreds of thousands of dollars? Genuine question, we don’t buy houses with cash here.
Cash nowadays doesn't necessarily refer to printed money anymore. It can also mean a direct deposit. Meaning all money for the house sent to the original owner's account, instead of monthly payments through a bank or something similar.
Load More Replies...I'm curious now. You mean that in the US people buy a house and pay it off in monthly payments to the previous owner? I'm not quite sure but I really doubt if any private seller would agree to this kind of arrangement. How are they going to pay for their new house?
WIlvanderHeijden, while you *can* pay 100% of the cost to the owner, that's not usual. Normally what happens is you take a loan from a bank, the bank buys the home (minus your down payment), and you pay the bank monthly payments and interest until it is paid off. Until you make that final payment, the house actually belongs to the bank.
@wilvanderheijden. In some cases, that is a real thing. Falls under Owner-Financed. I've purchased and sold land this way. Person that hold current title will allow for monthly payments. Typically at a much higher interest rate than a bank but banks dont like loans for raw land. Most are balloon payments also. My current company is owner financed. It is $x per month for 2 yrs the remaining note is due. Bank wouldn't give a loan but in two years I would be able to refinance my debt and pay the balloon portion of the note off.
I think they mean they don't want to deal with the requirements of the buyers finance company/mortgage broker. It can slow things down with their required inspections/assessments, etc. They might not finance if the house had significant issues, isn't up to code. This house might have something about it that makes it unable to be mortgaged, or the seller wants a quicker, easier turn around, or he is just a crotchety old jerk, Or most likely, as it seems likehe called the seller directly, he is not using a broker, a cash sale would be easier for seller to navigate because a lot of what a broker does us to handle all that minutiae for you. He might have fielded a lot of phone calls from lookie-loos and it seems like his customer service skills are .....lacking.
Demi... "cash" means you do not need a loan from the bank to finance the house. It usually happens when a buyer sells their previous home for a high price, and finds another home in a different area that costs less. The bank transfers the money from the sale of the first house to the purchase of the second house (the person selling the previous home keeps anything left over) and they now own the house outright, no monthly payments. It's a pretty common thing for for people selling in high-cost areas (like California) and moving to low cost areas (Like Mississippi).
Cash only means the buyer has the funds available and doesn't need to borrow money from a bank. Bank loans require inspections and often stipulate that the building be brought up to modern building code. Cash sales can be completed faster and with less hassle to the seller. Sellers aren't likely to accept a bag of cash -- usually the buyer's bank makes out a check to seller. Also known as a "cashier's check" rather than a personal check.
"Cash only" generally means the full price of the house is paid in one fell swoop, via a bank-certified check. The buyer places the cash with his or her bank, and the bank issues the certified check. When the seller deposits the check in their bank account, the actual cash is transferred from the buyer's bank to the seller's account. (I used to work in a bank...dealt with stuff like this a lot) Also, most buyers in the USA only have to come up with 10% of the price as a deposit...the rest they get as a loan from the bank, called a mortgage, and pay off the mortgage with interest to the bank. That way the buyer and seller aren't tied to each other for years.
Having bought a house in the US - twice but not for 'cash' - let me explain. You purchase a house through a "Title" company. They handle the mortgage and /or money transfers. You are informed of the amount of a cashier's check (a verified check issued from your bank) required to "close" the transaction. This amount will include any down payment and fees - like the mortgage lender and title company and government recorder and sometimes realtor fees. No one who is at all savvy will purchase a house - with or without mortgage - through anyone except a title company. They verify "clear" title and ensure all the proper liens are paid and the house is really, truly the buyer's when all money is transferred either from the bank handling the mortgage or to the seller (if paying "cash"). (Lien - an amount owing for various reasons - sewer improvements in the neighborhood, for example. The lien is either paid off in increments or when the house is sold.)
Paying in "cash" means the seller gets the full amount of the selling price minus any fees (realtor, recording office, liens, etc) immediately. No one that I have ever heard of actually walks into the title company with a mountain of real paper money. I believe the title company would refuse it anyway. Instead, you bring that cashier's check from the bank for the required amount. Yeah, the entire transaction is a major pain in the patootie and you should see the stack of paperwork the buyer needs to sign or initial. Yikes. If you buy with a mortgage, you get a temporary deed (actual name varies depending on state) and when you pay off the mortgage, you get a another deed saying you own it free and clear. Complicated? Yeah - I don't blame anyone who doesn't have their own lawyer and doesn't want to own property.
Cash only means that the payment is to be made in full without any loans. It is usually done by certified means, like a certified check or transfer of funds. To answer another question - sellers can make a loan to the buyer so the buyer pays the seller instead of a bank on a month to month basis.
This is one of those stories that there is a lot of suggestions that race is a major factor, but I don't really think that it is. Like it's trying to put this story in a "relevant" context.
I would have to ask you if think *any* stories you read where race was a major factor - if race was actually a major factor or if the idea makes you so uncomfortable you deny it in most or all cases. The seller's advertized offer said *nothing* about cash only. Cash only is so incredibly rare that it would push MOST people out of the game so the original offer would have mentioned it or the seller would have had their heads handed to them if a prominent white person had expressed interest but had been told "sorry, cash only." When it looks like a duck and quacks like a duck...
Load More Replies...If not race, I wonder what you suppose caused the seller to assume this buyer wouldn't have the cash available? Some type of prejudice (by definition) was at play -- unless the seller supposed this of each person who inquired which seems unlikely. Perhaps the buyer was incorrect about the particular prejudice that caused the callous comment. He probably assumed it was due to a kind of prejudice he has encountered before. I accept that he has been on the receiving end of it and this was a very satisfying moment. Maybe every person who is sharing a story should write a detailed account for you so that you understand the reasons for their perceptions. Or maybe you could start to believe that people experience this sort of thing all the time.
Somehow I feel Robert is going to do his best to research the names of the slaves who were living with the Russell family while his beautiful house was being built, and not only display their names in it (and pictures if he ever finds any!), but also say their names out loud everywhere so they won’t be forgotten. He just seems like the type of good, kind, gentle, thoughtful person who would honor them that way.
all these articles on here with supposed racism. that was a tactless comment from the agent before qualifying the buyer, but come on. thats a 500k-1m house all day depending on the area (didn't see location or price). That id going disqualify most buyers, even wealthy ones, from paying CASH. They get their time wasted often by people coming to look who cannot pay cash. shouldn't of said what they said, but doesn't sound very racist.
Does this make you a privileged Millennial....as so few are capable of buying a house?
Ofc it does lol, my broke a*s could never afford something like that even I had to work for the next 30 years for it.
Load More Replies...Are you triggered by that word Truth Monster? I think you are well aware that the connotation of the word privileged in current conversations relates to people seemingly not even being aware that they have always had certain benefits, and the same time go about fully expecting to be treated with deference and granted all their wishes. People don't disparage people for having "made it" or being successful. Those of us who start at the starting line (rather than 10, 20, or 30 feet back with an anvil chained to their legs) who are all "I had to work really hard to get what I have" and who can't recognize their blessings are the ones being referred to as privileged. Good for you for not being a slacker and working hard for what you have. You were still privileged to start at the starting line and get to the point of having opportunities. That's the point. Folks who started out 10, 20, or 30 feet past the start line who disparage others for not being successful are even worse.
I SAW HIM ON BROADWAY IN THE 2017 CAST OF HELLO DOLLY AS AN ENSEMBLE!!!! AHHHHHHHH!!!! O MY GOSH!!!!!
Homes have to be up to modern codes for mortgages. This property is a historically registered property that can't get the upgrades for preservation reasons. . The foundation is slab construction for example, while lenders want a poured foundation for example. Most historically registered properties are purchased cash only. I have done work on a couple proerties in SC. If you buy a historic property you only sorta own it.
I'd like to hear the sellers side. With just a few words he took price negotiation out of the transaction. He's probably on some tropical island with his bags of cash. Smirking.
That's a GREAT story! However, as a white woman, I've been judged by the way I dress and ignored at furniture stores, car dealers, etc. because they didn't believe I had money either. People are ignorant. When are they going to stop judging books by their covers? Sometimes the scariest covers have the BEST stories!
I hope you can cook baby - 'cause when I come to visit I expect a decent meal!
This is a marvelous heartwarming story! I am so pleased about your comment about God our Father. He has blessed you abundantly - your smile tells me all I need to know about your journey to becoming a homeowner. Stay well, be happy and continue to look up!
There are no human races, there ethical groups. If there was human races like animals, for instance lion can't mate with a parrot, OK! All humans can have children with someone of an other ethical group.
So happy that he was able to prove the sellers wrong and buy the house. Congratulations!!
His home is gorgeous. Wish we could see the inside. I love an old house!
I call BS. Any house sale is cash only if you have a mortgage credit lined up. The seller always receives cash, just not fromnthe buyer, but from the financial institution. In any case, good for you and congratulations on your accomplishment.
Love this story so happy you got this home my brother! May you be blessed and may all of your generations continue to live in this home!!
omg i get emails from this guy for the broadway collective!! happy for him!
I managed several small stores and worked for a chain of stores. The first thing I told the clerks was be polite and helpful to everyone equally. You have no idea what's in their bank accounts. That homeowner was showing his bigotry.
In Cranbrook BC, there was a residential school that was bought by Indigenous and turned it into a Resort making millions off of s****y white people
About bloody time. This shouldn't be a special story though. Should be normal.
Congratulations on your beautiful new home. I hope you have many wonderful years there and you fill it with all the love in the world. Your ancestors are looking down on you and blessing you with their pride. You deserve every happiness and all the love and luck in the world. Just keep being you as this world needs more people like you in it. Thank you so much for this wonderful and truly inspirational story. It made my day.
who cares what the colour of the person, religion or gender is the buyer! Those who are so terribly concerned shouldn’t offer it for sale. I live in Canada and we don’t give a damn. You are so obsessed, it’s so tragic, you will never get over it!.;(
Imagine the disappointment of some rich white people who wanted to bulldoze it down to hide their old shame! :D
Why assume a man can't afford a house just because he's black? There are plenty of black men in this country who earn well enough to make their dreams come true.
Alright y'all, call me Karen if you want but I've been told (as a white woman) "this is probably off the table for you" too, because yes, like most Americans, I'd have to make payments.
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