Common Personal Injury Law Legal Terms & Definitions

(gavel thumps) – [Announcer] Welcome to "Lawyers in the House with Montlick". Wish you had a lawyer in the family? Now you do. Here's your host, Veronica Waters. – Hey, welcome to "Lawyers
in the House with Montlick" right here on WSB. I'm your host, Veronica Waters. So happy to be back with you another week. Hope you wiped your feet on the mat, just come on in, make
yourself comfortable. We are having two dynamic
attorneys here to walk us through something that, you know what? Maybe we should have done this for you closer to one of the beginning episodes right after our first
episode about misconceptions and personal injury law. We throw a lot of terms around here from claim to compensation,
from arbitration to mediation, all this kinda stuff, do you know exactly what
we're talking about? It's not necessarily legalese but think of this as a sort of primer 101 for common legal terms.

That's what we're talking about here on "Lawyers in the House" today. And I've got two attorneys,
one new to the show, one not so new to the show. Philip Hairston, you
remember, was with us before. He's one of the Grady babies,
Georgia native, right? – That's correct. This is the guy you may remember
graduated from Georgia Tech with a BS in chemistry. – [Phillip] That's right. – And now he's a lawyer.

What composition went into making that? Well, how did that formula work, Philip? – Looking back, it's actually
kinda a funny decision. I knew it was something
different than science and I did debate team in high school and figured law as a natural fit. So I just went to law
school and figured it out. – So now that you've been
in law for how many years? – [Phillip] Nine years now. – Nine years, what makes you know that
you did the right thing? – Well, first of all, I think we all do what
we're good at, frankly.

I think my skills transition law well. I'm competitive, I'm empathetic. My clients trust me, they like me and I believe in what I do. – [Veronica] You believe in what you do? – That's correct. I spent the last four years
representing plaintiffs. You'll hear today plaintiffs
are people who are injured, people who bring lawsuits
and they're victims, frankly. They're people who are hurt, people who need help at one of
the worst times in their life and they depend on us to help them. And I'm proud of that. – I love that. And the newbie to the show today but hopefully she will be back many times 'cause I've already grown
to love talking to her. Margaret Grenleski, another Georgia native joining us here on "Lawyers in the House". Not a Grady baby but Ken Stone baby. – [Margaret] Correct.
– Is that a thing? Ken Stone babies, do we say that? (laughs) – [Phillip] I guess we do now. – Two Georgia Natives and
a Mississippi Magnolia here like this is an all southern show. Margaret, you've been in
the law for one decade now.

But what's interesting about
Margaret is that she comes to the law after already
having a previous career as a licensed professional counselor. Now she's this person who's
decided to go back to school, become an attorney after
one successful career. And now how do you feel that
you've been in law for a decade or more? – I made the right decision. It's been very rewarding and I enjoy helping people solve problems
or puzzles sometimes. And so, I get to work
on that every day now. – Did you have sort of a revelatory moment when you were like, "Yes, this
is where I'm supposed to be?" – Probably the first two or three months when I was working at Montlick, I came across some situations
where I felt very excited and intrigued about some solutions I was able to come up with. So yes, certainly. – Sort of the, is it the figuring out of the puzzles? Is it the exploring every
avenue for your clients kinda thing?
– [Margaret] Yes.

– What drives you? – [Margaret] Challenges. – [Veronica] Challenges.
– Yes. – This is the girl you want, I guess, if there's an intricate case, right? – [Margaret] Yes.
– Is that what I'm hearing? Okay, I love it, I love it. Okay, so we're gonna get to
know Margaret a little bit more and Phillip a little bit more but first, we're gonna get to know some legal terms, a little bit more common legal terms. And I'm gonna say maybe some
things that every personal injury client or maybe
just all of us in general need to know, right? And clearly, Phillip was already ready to dive into the content. So we're gonna rewind a little bit. Common legal terms 101,
plaintiff versus defendant. We hear this all of the
time, all of the time, on all of the TV shows and movies I watch. And Philip, you already
said a plaintiff is. – So when there's a lawsuit,
there are two parties. Well, at least two party involved, one will be the plaintiff,
one is the defendant, the plaintiff is the one
who's bringing a lawsuit. They're the ones who are alleging a harm or a damage of some kind.

And the defendant is the person who's alleged to have
committed this harm or damage. So the lawsuit is the plaintiff bringing a suit against a defendant. – And you as the Montlick injury attorney are representing the plaintiff. – Exactly, all of our
clients are plaintiffs. They're people who have been hurt due to the negligence of others. So we bring losses on
behalf of our clients who are the plaintiffs
against the defendants who have caused their harm. – Okay, Margaret, what do you, now be honest with me, people really know these terms, right? Plaintiff and defendant,
am I starting off too easy? – [Margaret] No.
– [Veronica] No? – No, I have people ask all the time if they're the plaintiff.

– [Veronica] Oh, and
you say, "Yes, you are." – Yes.
– Okay. (laughs) So I think what's gonna
be cool about this show is we'll try to do the terms in sort of a chronological
order of how a case like comes to you and how it develops and maybe we can like sort of
layer the education that way so you can see how it develops. What do you think about
that idea? Love that. All right, so what's the
first thing that you do? You've got plaintiff and defendant. Now we know I'm trying to sue
somebody for messing with me or hurting me. I'm the plaintiff, what's next? – In a personal injury
case, you would find out if the defendant has insurance and then contact the insurance
company and let them know that this plaintiff is filing a claim.

So we would have to investigate, like if you have an accident, we would look up the accident
report and then find out from there who to contact as far as the insurance company goes. – All right, this is one of those things that you have to explain to clients to? – Yes, yes, definitely. I actually had to explain
it to someone the other day. – How do you give examples? What do you do? Do you just bring out cases
like give us an example of when you're talking about insurance 'cause on this show I've
heard the word adjuster, I've heard the word agent,
I've heard the word insured, I've heard policy. I mean, lay this out for me. Who's who? – Okay, well, the insurance agent is the person who actually
sells you the insurance. They represent either one
insurance company or several and they can help you
obtain the proper insurance for yourself. Now an adjuster is someone
who actually handles the claim once you file the claim
and evaluates the claim or your injuries or
property damage or other.

– And those are two
different people, Philip? – That's correct. So generally the people we deal with are the claims adjusters. Those are the people who look at the case when it's first filed. So before lawsuit is filed generally, will file an insurance claim on the at-fault party's insurance. And the insurance company will assign what's called an adjuster to the claim. And the adjuster will look
at our client's medical bills and their injuries and their
damages and try to evaluate what they, the insurance company,
thinks the case is worth. And so usually before a
lawsuit's file will try to settle or at least deal with
the adjuster on the case.

And if we cannot obtain a
settlement that our client thinks is fair or desirable, then we'll
look into filing a lawsuit. But generally we're looking
into filing insurance claims before lawsuits are filed. – All right, so you said at-fault, do I need to throw that
into the primer too? Or is it as obvious as it sounds? – I'm thinking, maybe it is but for everyone who might
not know what it means, the at-fault party- – [Veronica] I'm the
person at fault, right? – Is the person who's committed the harm against our clients, the
person who's at fault for the injury or accident or damages. – All right. Can somebody lay out a case example for me where we can like paint a picture for me of how this looks in real life? – Sure, so a lot of our
cases involve car accidents. So let's say for example, Veronica, you're rear-ended on the way home today.

You would call Montlick,
tell us what happened and we will start by
getting a police report. The police report would list the at-fault driver's
insurance information. – [Veronica] The person who rear-ended me. – Yes, exactly. We would file a claim against that person's insurance policy, their liability policy, the policy that covers them
when they hurt someone. So after a claim is filed and you complete medical treatment, we would send a settlement
demand to the insurance company which the adjuster would
look at and evaluate. And we would attempt to
negotiate a settlement. Hopefully, ideally we'll
get a settlement offer that our client thinks is fair and they would accept the offer and then the case was closed. If the offer is something
our client refuses, well, then we'll file a lawsuit
against the at-fault driver on our client's behalf. – Is the claim the same
thing as a lawsuit? – No, and I think that's sort
of an important distinction.

So a lawsuit is when you
physically file a lawsuit in court, that's when you have a
plaintiff and a defendant. That's when you have to
serve the lawsuit on someone. You have to actually give
them a copy of the lawsuit. A claim is simply an
attempt to resolve a case outside of the legal proceeding. So generally we file claims
before lawsuits are filed. – Can you resolve a
claim without a lawsuit? – [Margaret] Yes.
– Okay. – [Margaret] Definitely.
– All right. Give me an example, Margaret. – Okay, so once you've finished treating, your medical issues are
resolved or maybe not, but you've finished your treatment- – [Veronica] I've got some
sort of treatment plan at least, right? – Right, so you've
completed your treatment and then you, well, we would obtain all of your medical records and billing and then we would send a
initial settlement demand on the claim to the insurance company.

The insurance company
will evaluate the claim and respond to our demand
with a settlement offer. And then at that point, we
will notify the plaintiff or our client of the
settlement offer and determine if we want to move forward
with further negotiations which is usually the case. – [Veronica] Hmm. – Okay, so then we go back
to the insurance company with either a new demand or
a lower demand of some sort and then we negotiated out. – All right, so tell
me about that process. I'm sure that, is there a case that sticks with you where these sort of
negotiations played out and you felt really proud of your outcome? – That's quite often actually.

– Very nice, I love these
confident attorneys. You know, this is really good. – I mean, sometimes you just, you look at the information
that the insurance company is reviewing and you go over it with them and you have to clarify
certain aspects of the claim and the facts and they
will increase the offer and so you just continually
go back and forth bringing up the facts of your
claim and what's positive. – What's positive? Exploring again, like
exploring every avenue. One quick question before we go to break and get into some more of these terms. Sometimes obviously, police
are called every time and they're more often than
not probably writing a ticket or a citation.

Does that have to do with fault? – Yes, so generally a citation is written against the at-fault driver
and they're being charged with a traffic violation, a crime, that at-fault driver have
to respond to the citation by appearing in criminal court. So that's a big deal for our cases is because of the at-fault
driver admits fault, becomes easier for our
clients to prove their case. – All right, we're
talking about legal terms, common legal terms, and next, what makes or breaks the case now that the claim or the
lawsuit is getting underway.

That's coming up next on
"Lawyers in the House" with Philip Hairston
and Margaret Grenleski. Stay with us. Welcome back to "Lawyers in
the House with Montlick", I'm Veronica Waters here with
Montlick injury attorneys, Philip Hairston and Margaret Grenleski teaching you some common legal terms, stuff that you will wanna know when you're listening to
us talk about this show. Or if you have a case, God forbid.

Let's learn about something
that you have talked about, both of you have used the word settlement a couple of times already and
I feel like I would be remiss if I didn't get you to
explain exactly what that is. Am I settling for something? What's settlement? What's a settlement? – So you're settling your claim for money that the insurance company is offering so it will close out your claim and you cannot file a lawsuit after that. – This is like, I'm duking it out with the insurance companies
to get to this settlement? – We at Montlick are duking it out, yes. That's for us to do. But yes, we will go back and forth with the insurance company and negotiate for the settlement offer and eventually you can either decide if
you're going to accept the settlement offer or
possibly move forward with filing a lawsuit.

– All right, so very few of these cases actually go to trial, even
if you file a lawsuit, right? – [Margaret] Yes. – But if you're one of the
ones that does go to trial, so much has to happen
before you ever get in front of a judge or a jury. What's that case? What's that called? – So the first part of that
will be called the discovery. – [Veronica] Discovery.
– Phase of the lawsuit, yeah. – [Veronica] That's a cable channel. – Yes, that too. So in the discovery part of the lawsuit, that's the first part of the lawsuit. The parties, the plaintiff, the defendant, they're entitled to find out
evidence that they can use against the other party in the lawsuit.

– [Veronica] So I'm discovering- – [Phillip] The evidence
that you could use- – Okay.
– [Phillip] Exactly. – [Veronica] Got it. – And so the first part of that starts with a term called interrogatories. – [Veronica] What? – Yes, exactly, it's a mouthful. – Interrogatories, okay. – So each party so for example,
our clients, the plaintiffs, they can serve interrogatories
on the defendant. And interrogatories are
those long list of questions, written questions that the
defendant has to answer and the defendant gets
to serve our clients with the same kinda questions. So they might wanna ask our clients about their prior medical history to determine if the injury
was caused by the accident or it was already preexisting. Our clients might wanna find out the defendant's driving record to see they have a habit of
hitting other drivers. So that's sort of the
first part of the lawsuit is just exchanging evidence
and getting information that could lead to finding
admissible evidence in a lawsuit. – And in addition to
interrogatories, there are- – [Margaret] Depositions. – Depositions. – Which are usually in
person and they bring in a court reporter and record the deposition and they ask you many, many questions, many of which are not even allowed to be brought up in court.

However, they're just getting to know you and finding out information. And we can also depose
the defendant as well. – Same kinda questions this time on video? – [Margaret] Yes. – Okay, now we're
getting, it's kinda scary. All right, so what happens
after the discovery, the interrogatories, the depositions. Now we're moving into maybe
the final stages of that. That's coming up next on "Lawyers in the House with Montlick". I'm Veronica Waters, stay with us. Welcome back to "Lawyers in
the House with Montlick", I'm your host, Veronica Waters here with Montlick injury attorneys, Philip Hairston and Margaret Grenleski. We're talking about common legal terms. And I want to take one
second to show you this book, this thing, I think it's like
something like 10 pounds, "Black's Law Dictionary". Listen, there are so many legal
terms that these two know, that they carry around this
knowledge in their heads, apparently day in and day out.

We're not gonna give you through
that but I just wanted to, this is almost as thick
as a a dollar bill. All right, "Black's Law Dictionary" which I'm told is like the
end all be all for attorneys. And my friends, a couple
of lawyers who say, no attorney's office is
complete without one. Is that accurate, yes?
– [Phillip] I'd have to agree. – Yeah, okay but Philip
likes his online, right? – Yes, that's a little heavy
for me to carry around. – He's Mr. High Tech. is
where you can find us 24/7. Also reach out to us on
social all platforms, we are @montlicklaw. And you can find us on
Spotify, Apple Podcasts, any place where you love to
get the hottest podcasts, you will find "Lawyers in the House". Make sure you subscribe, like us, give us some cute little reviews
and see our smiling faces. All right, so we are talking
about common legal terms. I've learned, I'm a
plaintiff suing a defendant. I've made a claim, we've filed a lawsuit, we've gone through the discovery process.

So we discovered what
each side had to offer, what are we saying in the interrogatories and the depositions on video. Now let's get down to the nitty gritty. It's the dollars and cents, yes? – [Margaret] Yes.
– Okay, go. – Well, at some point after discovery, you will end up either
going in front of a judge or a jury at court, depending
on the type of case you file. And so all of the information
that you've collected during the discovery process will be, not all of it necessarily but a lot of it will be used in court.

And once the jury hears the the- – [Veronica] Evidence. – Evidence, yes. And the judge or the judge,
they will make a decision as to how much of an
award you will receive. – So what do you call that? Awards? Awards, compensation? – [Margaret] Compensation yes.
– Compensation. All right. But so many of these cases are resolved without going to trial, yes? Are you still in front of a
judge if you don't have a trial? – [Margaret] No.
– No, okay.

– [Margaret] No. – All right, so how do you
determine, what's compensation? What are the types of compensation that I could possibly get? – So I guess I would start
by just clarifying that you can only get monetary compensation. So a jury-
– [Veronica] As opposed to? – Anything else. A jury can't make them give you a car. They can only award you
money and that seems simple, it's something important to understand because the civil system only allows you to get monetary compensation.

So that's important to think about. So when you go before a
jury, you can ask for damages and that's the harm you've incurred and there's different kinds of damages. – [Veronica] Okay, okay. – So the first would be, so what I would call special
damages, actual damages. Those are something that's easy
to specify and to calculate. So for example, medical bills, that's gonna be a certain number. If you had lost wages
'cause you couldn't work 'cause you're injured, that's a certain number
you can easily determine.

So that's part of what you can ask for. Medical bills, lost wages. You are also entitled
to pain and suffering which is harder to calculate. Pain and suffering is a subjective damage that a jury would determine. And there are a lot of
different ways to prove pain and suffering. So I always ask my clients
in the beginning of the case, you're hurt, tell me
something or tell me things that you could do before you were hurt that you either can't do today or couldn't do for a
certain amount of time? And those examples are
how I explain to a jury my client's pain and suffering. – So give me an example of one of those. – For example, I had a
client who was a lifelong Atlanta Hawks fan. She's had season tickets for years. And she went to almost every
single game every season. And she was in a pretty bad car accident and the accident hurt her lower back.

So she was unable to sit
for long periods of time without pain. So it made it very hard
for her, really impossible for her to go to an Atlanta Hawks game and just sit there for
two and a half hours. So she'd end up missing
maybe 20 home games which for her is most
she's missed in decades. So for her, that was a really big deal. And like I said, this is subjective. Some people don't care about basketball and they don't think that's
the big deal but to her, that was her life, that
was her biggest hobby. That's what she did outside
of seeing her family and working which is going
to Atlanta Hawks game. So for her, that was a really big deal and we had to explain that to a jury why she should be compensated for that. That's an activity she
couldn't do anymore. – And did the jury get it?
How did they respond to that? – Her case ended it favorably. I think they responded to
her and agreed with her. Anyone who's hurt is gonna
have their life affected. I don't care if it's broken back or just a scar on your face.

Any kind of injury is
gonna affect your life and you should be compensated for that. And our job is to fight for you. – Margaret, I would think and obviously correct me if I'm wrong, but I would think that if I've been hurt in like a car accident, we've
been saying or anything, that pain and suffering
is like an automatic. I've had pain, I'm
suffering because of it. Yes, no? – It should be, however,
the insurance company's job is to diminish your pain and suffering.

– You're not really hurting
like you think you are Veronica. – Exactly.
– Oh, okay. – So it's our job to collect
all of the information from you, all of your medical records and prove that you have suffered
this pain and suffering. – Give me an example of
when you've had to fight through one of these cases
for like this somebody who actually did have
that pain and suffering. – Well, I can think of a couple of cases where I had new mothers
and they were actually unable to hold their child or
breastfeed after the accident without immense pain.

So it actually affected the, I guess, bonding with their newborn,
the breastfeeding time which is very almost
traumatizing for these women because they're a new
mother and they want to bond with their newborn. So that's something that
we've definitely talked about with the insurance companies
in the past on different cases. – How do you calculate that? How do you calculate that though? And I just, understandably
it's subjective, right? But it's emotional, you're
painting this picture to the insurance companies, the juries, but how do you calculate? I mean, that's a priceless thing. I'm not a parent but I know
many parents and I'm a daughter and how could you put a price tag on not being able to bond with your child? – It's difficult. I mean, how is there a price tag? So you have to really collect
information from the client. You know, a lot of times
they'll write a statement of how it affected their life
and then we will present that to the insurance company or in court. I mean, if they're in court, they're gonna be testifying in court about how this has changed
or what they've experienced.

– You ever had a case, Margaret, where it was hard to keep
your emotions out of it? – Of course, yes, definitely. – [Veronica] Yeah? – Yes because you wanna
fight for your client as hard as you can and sometimes the things that they've
experienced are just catastrophic. I did have a case where this
young couple was driving home one night on their motorcycle and a man who actually came from another state drove into the city of Atlanta
to buy some illicit drugs, actually ran over the
motorcycle with my clients on it and left the scene. It was a hit and run. He was also on illicit drugs. He abandoned the vehicle somewhere and some other antics ensued after that while the police were
trying to locate him. So that would call for punitive damages because anytime you have some
willful or want and conduct that you commit, then
you're gonna be punished.

So punitive damages is designed
to punish the defendant. So in that situation, I presented
a punitive damages claim for the property damage. – [Veronica] Okay. – And so we actually
used the wedding band, her wedding set, okay? And she was so proud of this wedding set, she said that she went, picked it out, her husband actually couldn't
pay for it all at once so he had actually put it on layaway and paid for it over the course
of a year or two for her.

And she just felt as though
that meant a lot to her especially now that he
was deceased on the scene at the accident. – [Veronica] Of course. – So her wedding band was
destroyed from basically, the road rash that she experienced. And I presented that wedding set for the punitive damages
claim for the property damage. The adjuster actually had
the gall to call me and say that it was purchased at Kmart
and it wasn't worth the value of the minimum limits
in Georgia of $25,000. And I'm probably gonna tear up
right now talking about this but I just, I totally lost it. It was all I could do to compose
myself and I just told him, I said, "I don't care if this
came from a gumball machine "for 25 cents, this was her wedding set "and now her husband's deceased
and I just can't believe "you would even bring
something like that up." And what I later learned
is or I figured out is that while she was in the hospital
for two weeks on morphine, the insurance company had sent
someone into the hospital, into her room and had been
talking with family members and that's how they knew
that the wedding set was possibly from a store like Sam's.

So yes, I was just, oh, I was so upset. – That has got to be so hard to hear. And I've heard so many
Montlick attorneys talk about how they love being able
to represent people, the folks who are actually hurt here. And it makes me think that
someone who might throw out that idea would maybe
not be thinking so much about the people behind the
wedding band, so to speak. You know, how do you- – Their job is simply
to diminish your claim. That's the whole job of
the insurance adjuster.

– Even if it sounds really harsh. – Yes, definitely.
– Overly harsh maybe. – [Margaret] Yes.
– Yeah. Philip used to work for
insurance companies. – I did for the first four
or five years of my career represented major insurance companies pretty much doing what Margaret just said, trying to reduce the value
of people's injuries claims. And after doing that
for a couple of years, I decided to make a change
and do some good in the world.

– Yeah, did you and quickly,
if I remember correctly, didn't you work as your
own lawyer one time? – Yes, during 2020 I was involved in a rear
end collision myself so I was hit from behind so
I had to file my own claim against this driver's insurance company. And I had to explain to
them, well one, I'm hurt and my own pain and suffering. For me, I'm an avid runner,
I love running races. I do 10Ks and half
marathons fairly regularly. And I had to miss two races 'cause I physically could not
run following my injuries. – Were you successful on your behalf? Did your attorney prevail for you? – Yes, I did. We did settle without
filing a lawsuit, yes. – All right, fantastic. All right, thank you so much. Phillip Hairston and Margaret
Grenleski giving us the 101 on common legal terms. Coming up, the Montlick Closing Argument, what's it gonna be? Philip and Margaret
are gonna take it away. Stay with us, you don't wanna miss it. (bright upbeat music) Welcome back to "Lawyers in the
House with Montlick" on WSB.

I'm your host, Veronica Waters. We've been talking common legal terms here on this episode of "Lawyers in the House" with Margaret Grenleski
and Philip Hairston. I don't know what "Black's
Law Dictionary" says about exotic young women. I'm gonna see if I can find a
definition in here for that. But in the meantime, it is time for Montlick Closing Argument. So Margaret and Philip,
you've got the floor. – Okay, well, Veronica,
just wanna mention that with "Black's Law Dictionary",
you shouldn't be overwhelmed because that's what we're here for. We're here to help you
navigate the case or the claim and the situation and you can
always call 1-800-LAW-NEED which is nationwide and we can assist you to walk you through the
steps to file a claim if you're injured in a
personal injury claim.

– [Veronica] I don't
have to handle it alone? – No, that's what we're here for. – And I would add that every call, every consultation's completely free. There's new obligation. I think we said before
that we only get paid on a contingency fee which
means that we only get paid if we can get our clients an award. So if we don't get anything,
you don't owe us anything. So there's no obligation,
there's no risk in calling us. If you have any kind of
questions or concerns or how would you think might be a case? Just give us a call and
we'll talk about it.

– Yeah and also, how
often do you have somebody who maybe calls and doesn't
even know the terminology? I don't know what I don't know. And I shouldn't be
intimidated, right? To ask? – Right and that's what we're here for and that happens all the time. Clients think they might have
a call or might have a case, they call, we talk about
it and if they have a case, that's great. And if not, we tell 'em
how we can give mother help or point 'em the right direction. – What's one of the best
feelings that you've had in this business since
you became an attorney? – Marg, you wanna take
this one or should I start? – Well, I mean, anytime you
resolve a claim for someone and they feel as though
they've been compensated for their loss, that's a great feeling.

– [Veronica] Does it ever get old? – No, absolutely not. – [Veronica] Never feels like the same day over and over again, guys? – No, every case is different. Every case has different
intricacies and different facts. – I agree. All of our clients are hurt
through no fault of their own and they all need help. So helping people get what they deserve is never old or tiring. Frankly, it's it's fun and it's rewarding.

– Today's word, one more word I'm gonna
throw in there, compassion. That's what you're getting
when you get these attorneys from Montlick. Thank you so much for staying with us. For "Lawyers in the house",
don't forget to find us online at See us where you get your
podcasts and make sure that you hit us up on social @montlicklaw. We would love to see you, send us your questions 24 hours a day. I'm Veronica Waters, we will see you for the next episode of
"Lawyers in the House" right here on WSB. Peace out. (bright upbeat music).

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