Chris Luxon says banks need to be passing on their OCR cuts to customers - and customers should be switching banks if they don't.
Mortgage rates have been falling significantly, following recent OCR cuts.
But the Reserve Bank says the banks still have room to move, to be cutting the rates further.
The Prime Minister says [told Mike Hosking] banks should be competing for customers, and customers should be trying to get the best deal they can.
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Episode Transcript
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Speaker 1 (00:09):
You're listening to a podcast from News Talk sed B.
Follow this and our wide range of podcasts now on iHeartRadio.
Speaker 2 (00:16):
The Prime Minister in the studio where it's being a
Monday morning good morning to you. What he might good
to be with you before the news? I float, well,
I didn't float the idea. Lamming in UK has floated
the idea that we get rid of jewelry trials except
for the odd one like manslaughter and murder and stuff
and public interest? Is that something? I mean, this is
out of the blue because you won't have given this
any thought or have you?
Speaker 3 (00:37):
No, nothing, We've had a discussion about whatsoever. I mean.
Our focus has been, as you know, just making sure
we get our sentencing laws tougher. Yes, we've got a
lot more prisoners in there and present at the moment,
but actually no, we want to toughen up the sensing laws
and that stop the judges from doing the discounts. Add
in the three strikes, harassment, stalking, you know, all those
kinds of things.
Speaker 2 (00:56):
Okay. Now, TV three tried the very best last week
to explain to us that the British in particular, but
our trading partners more generally are allegedly upset at our
climate stance at the moment and then make this known.
Is that true or not?
Speaker 3 (01:10):
Never heard about it, totally disagree. Has never come up
in any of my conversations whatsoever. And my message is
pretty simple. You know, as I said to some of
folk during the cop period, until any other country, you know,
we're in the top ten countries in the world in
terms of renewable energy. Most people are still coal power
advice power stations. Until everyone gets that position, then I
(01:30):
won't really listen too much to others.
Speaker 2 (01:32):
And the other thing that came out, I don't ever
got much coverage, but our twenty six to thirty target
we've met because trees suck up more co two than
we previously thought, so so it's all worked out well.
The reason I asked about the trade thing and how
inexpricably linked they are to trade deals. If you followed
that UK budget last week, they've increased the amount of
drilling slash exploration they have for oil and gas.
Speaker 3 (01:54):
Yeah, it's quite an incredible budget, wasn't it. There was
massive rise and taxes. But yes, I mean, I think
you know the reality is, you know, we the world
has changed. You need to make sure that your country
is resilient, and if that means in our case, we
want to open up oil and gas, we want to
open up mining. We think that's important. The places we
can get high paying jobs in regional New Zealand, that's great.
(02:15):
Why on Earth where we let New Zealanders go off
overseas to Australia in particularly do mine work or to
work on oil and gas, and yet we deny the
opportunity to be able to do so here. So we
should be looking at all our natural resources and making
sure we're doing the very best with them as we can.
Speaker 2 (02:28):
The CRL Will you be alive when it opens?
Speaker 3 (02:32):
Damn well? Hope so, because it's well.
Speaker 2 (02:34):
I mean, how long can it be? Well, you say
next year, But do you say that hand on hard
or do you just expect it to be open? Well,
that's not the same thing. We've been expecting it to
be open for a long time.
Speaker 3 (02:43):
I understand that about. I understood that they are going
it's definitely hapen me next year. That's that's got to
be non negotiable, because what.
Speaker 2 (02:50):
Are you going to do if it's not? Because I
wouldn't be surprised.
Speaker 3 (02:52):
Hopefully someone's listening right now.
Speaker 2 (02:54):
I've said they've already said it'll be in twenty six,
and then they said it's now late twenty six. Late
twenty six to me means December. Well, we've got a.
Speaker 3 (03:00):
New Zealand International Convention seat that's kicking off at the
beginning of the year. That's going to be bloom and
brilliant and we need the CRL to be the accompany
piece to that. And the sooner they get it done
and open, the better.
Speaker 2 (03:11):
Okay, the banks last week, the Reserve Bank their final cuts,
seemingly their final cut. Where are you at? Because I
still can't work out whether the banks are screwing it's
the Monetary Policy Committee made some interesting comments about margins
and they said margins for the retails are back up.
Speaker 3 (03:26):
Yeah, so what I want us to watch that really closely.
I made that point a couple of weeks ago on
the banks to say, we expect them to be passing
through those OCR cuts so we get the transmission out
into retail rates as quickly as possible. That should be instantaneous.
And yeah. The second thing is I just say, though,
is that there are some amazing deals out there at
the moment, and if you're not happy with your bank. Actually,
(03:48):
the public, the consumer actually should be shopping around and
actually looking at what they can.
Speaker 2 (03:52):
But are those deals about cash backs as opposed to
better interest rates?
Speaker 3 (03:55):
But now there's actually variation and interest rates. If you
look at some of the you know, the other day
is looking at you know, if you look at the
second TSB and those kinds of players is at.
Speaker 2 (04:04):
You're into some more investment property.
Speaker 3 (04:10):
I read something about that somewhere. Yeah, it's too soon, Mike,
but no, I think the point I'm trying to make
is a we're watching it. Nicola and I have talked
about it, and we are very we're very keen to
make sure those rates get passed on through.
Speaker 2 (04:23):
Short of jaw burn. And can you actually do anything
now because you've made the moves you've made, and the
margins are back up, and the argument around the reserve
Bank and the money they make you put aside at
retail bank level for a rainy day, and all that's
been sorted, and yet the margins are still up.
Speaker 3 (04:36):
So the actual bank, the reserve bank capital rules are
still being worked through. So you know, again, you know,
as you might remember, Robertson put in some pretty stretchy
sort of capital rules and requirements. Possibly over engineered it
and as a consequence, you know, banks a haven't told
more capital and that means higher rates than what they
should have. So you know, we actually want to make
sure we've got that setting right on those limits. That'll
(04:58):
come through, you know, hopefully the next few months. But
the rest of it is actually ye, banks should be
passing it through instantaneously. That's what happens in other countries
around the world. My experience in Australia in the US
was it was immediate. And some of them will say,
oh that we do it in advance of the announcement,
but we've got to watch out closely.
Speaker 2 (05:13):
Okay, the maths amounts. When was the maths announcement that
you and Erica were at This was it Tuesday last.
Speaker 3 (05:18):
Week or it was?
Speaker 2 (05:19):
Yeah, So just to relitigate this because I was ropable,
because this is not about politics. This was about a result.
You've got a result in maths is tangible. Yeah, we
got a good result.
Speaker 3 (05:31):
We've been working you know. You know my story. I
really am passionate about education. I studied it a lot
before I even came to politics. And Erica and I
made a determination in opposition, if we get the chance,
we're going to go for a big time on education
because it's the single biggest thing that gets kids from
a set of circumstances to a better set. And the
frustration here was that, you know, we take over power,
we've got fifty five percent of our kids not at school,
(05:52):
half not where they need to be on reading, going
to high school, eighty percent not where they need to
be on mathematics. So we take the intermediate school kids
because we've put some other programs in place for primary school,
and we basically did these hot house sessions for twelve
weeks and we got these kids moving one to two
and a half years and then maths knowledge with a
twelve week intensive intervention. So we did that trial, and
(06:12):
we now want to roll that out to fifteen thousand
kids across the country. And that was really great news
and I think parents care about that. But instead some
of the media went off about a leadership change that
isn't happening. And secondly, I went and spent the whole
time talking about Section one twenty seven Entreaty Principles. Now
we've passed that law, we're done, We've finished the boards.
We've taken it the obligation of them. I get people
(06:33):
maybe unhappy about it. I don't care. We are there
to get our kids to school and to teach them
the basics. Well, but there's a really good example where
we've actually got great results on new entrants during the
phonics tests. Now fantastic improvement. You had eighteen percent improvement
in kids at or above standards on reading in their
first year at primary school and a sixteen percent reduction
kids need extra help. That's good because our teachers are
(06:55):
freed up to get on with the program. It's working.
Speaker 2 (06:57):
But having watched the thing live and then watched the
coverage of it, they are two different things happened, correct,
and so.
Speaker 3 (07:06):
We didn't get to talk about the math story, did
we We know we did not.
Speaker 2 (07:10):
So what is it you face an election year? Is
this deliberate? Do you think on behalf of some in
the media who will become hell a high water simply
not cover gave.
Speaker 3 (07:17):
I think some of the media are just so disconnected
from the reality of where Kiwis are at. And you know,
when I'm up and down this country, I'm telling your
parents want to talk about how their kids are going
what's going on education? I want to talk about their
mortgage rates. They want to talk about what we're doing
to make the country better, And you actually get you know,
some media just fixated on, you know, a story that
actually isn't happening, not happening, and actually more importantly than
(07:39):
something that's already we've already made a decision on. We've
moved on. So we're not relitigating Section one twenty seven.
We're not asking boards to be upholding the Treaty of
by telling obligations. That's not their responsibility. We're done, we've
finished that, but we're focusing on doing these practical things
to get the kids better educated.
Speaker 2 (07:54):
The other stream of that story was a couple of
days later, the Principal's Federation, I said, seem to suggest
it was a waste of money, It was a bit
of a jack up. And if you ask the kids
the same question every time, of course they're going to
remember it, etc. Is there a mentality within the education
union slave circles that they don't want that they just
can't get their head.
Speaker 3 (08:11):
Well, here's an idea. Rather than sitting on a labor
party stage, why don't you get around the table and
do a twenty four to seven negotiation for your members.
Who are the teachers who are doing a good job?
You know, I just think they're focused on the wrong things.
And the reality is we need to put some standards
in place. You know, you cannot call yourself a first
world country where an under Chris Sipkins, forty five percent
(08:32):
of our kids go to school regularly and fifty five
percent don't. You can't call yourself a first world country
and set yourself up for a fantastic future if you
can't get your kids to do maths and reading. And
so that's what we're doing. We're doing the practical things
to make sure we lift the quality big time so
those kids have great opportunities.
Speaker 2 (08:47):
You mentioned the Conventions Center a moment ago, and I
should have asked this, then where are we at with
move on orders? Because one of the things you said
with move on orders is there's a cruise season. The
cruise seasons here yep, yep.
Speaker 3 (08:56):
So Goldsmith's got advice coming very very quickly on that.
I mean, the move on orders we're very interested in
the problem is what do you do with the people?
You can't just move them around and bounce them around
the city. You've actually got to get a solution in
place that's already that thinking there. Having said that, Simon
Brown and Wayne Brown actually came together last week and
actually put together quite a good action plan on what
they can do.
Speaker 2 (09:15):
So how close is this? I mean, when's something going
to be announced? And something before before Christmas is what
we expect. Yet you're back in parliament this week?
Speaker 3 (09:25):
Yeah? Yeah, yeah, yeah, I'm looking forward to seeing you
on Friday, my friend.
Speaker 2 (09:29):
Yeah no, now look, oh sorry.
Speaker 3 (09:31):
Is this your last week this week?
Speaker 1 (09:34):
Sorry?
Speaker 3 (09:35):
You gave me to the listeners. I'm sorry, but it
is payback time people, because he gives me grief about
the relative and frequency he thinks. We're in parliament. This
is I want you to know. This is the hardest
working government probably since the eighties, passing the most amount
of legislations. Yes, yes, yes, while you're on holiday, where
will you be on a beach somewhere? Or no, I'm
still working.
Speaker 2 (09:54):
We just up the road because I can't afford to travel.
Now here's here's the thing that the gift I've got you?
Are you backing yourself on the gift you've got me? Oh?
Speaker 3 (10:01):
Big time. It's the Powell doctrine. I'm going to hit
you with overwhelming force. My friend is that it is yep,
because you better be ready. It's as a gift arrived
and it was Sammy's idea to his Now you're shifting
it to sam produce.
Speaker 2 (10:15):
A brilliant idea, so you will be I think blow
it away. Yeah, I think you could almost be emotional. Really,
I think you could almost. I think there could be
some tears anyway on your last day. So you're coming,
So you're back on Good to see.
Speaker 1 (10:32):
Appreciate for more from News Talks B Listen live on
air or online, and keep our shows with you wherever
you go with our podcasts on iHeartRadio
You're listening to a podcast from News Talk sed B.
Follow this and our wide range of podcasts now on iHeartRadio.
Speaker 2 (00:16):
The Prime Minister in the studio where it's being a
Monday morning good morning to you. What he might good
to be with you before the news? I float, well,
I didn't float the idea. Lamming in UK has floated
the idea that we get rid of jewelry trials except
for the odd one like manslaughter and murder and stuff
and public interest? Is that something? I mean, this is
out of the blue because you won't have given this
any thought or have you?
Speaker 3 (00:37):
No, nothing, We've had a discussion about whatsoever. I mean.
Our focus has been, as you know, just making sure
we get our sentencing laws tougher. Yes, we've got a
lot more prisoners in there and present at the moment,
but actually no, we want to toughen up the sensing laws
and that stop the judges from doing the discounts. Add
in the three strikes, harassment, stalking, you know, all those
kinds of things.
Speaker 2 (00:56):
Okay. Now, TV three tried the very best last week
to explain to us that the British in particular, but
our trading partners more generally are allegedly upset at our
climate stance at the moment and then make this known.
Is that true or not?
Speaker 3 (01:10):
Never heard about it, totally disagree. Has never come up
in any of my conversations whatsoever. And my message is
pretty simple. You know, as I said to some of
folk during the cop period, until any other country, you know,
we're in the top ten countries in the world in
terms of renewable energy. Most people are still coal power
advice power stations. Until everyone gets that position, then I
(01:30):
won't really listen too much to others.
Speaker 2 (01:32):
And the other thing that came out, I don't ever
got much coverage, but our twenty six to thirty target
we've met because trees suck up more co two than
we previously thought, so so it's all worked out well.
The reason I asked about the trade thing and how
inexpricably linked they are to trade deals. If you followed
that UK budget last week, they've increased the amount of
drilling slash exploration they have for oil and gas.
Speaker 3 (01:54):
Yeah, it's quite an incredible budget, wasn't it. There was
massive rise and taxes. But yes, I mean, I think
you know the reality is, you know, we the world
has changed. You need to make sure that your country
is resilient, and if that means in our case, we
want to open up oil and gas, we want to
open up mining. We think that's important. The places we
can get high paying jobs in regional New Zealand, that's great.
(02:15):
Why on Earth where we let New Zealanders go off
overseas to Australia in particularly do mine work or to
work on oil and gas, and yet we deny the
opportunity to be able to do so here. So we
should be looking at all our natural resources and making
sure we're doing the very best with them as we can.
Speaker 2 (02:28):
The CRL Will you be alive when it opens?
Speaker 3 (02:32):
Damn well? Hope so, because it's well.
Speaker 2 (02:34):
I mean, how long can it be? Well, you say
next year, But do you say that hand on hard
or do you just expect it to be open? Well,
that's not the same thing. We've been expecting it to
be open for a long time.
Speaker 3 (02:43):
I understand that about. I understood that they are going
it's definitely hapen me next year. That's that's got to
be non negotiable, because what.
Speaker 2 (02:50):
Are you going to do if it's not? Because I
wouldn't be surprised.
Speaker 3 (02:52):
Hopefully someone's listening right now.
Speaker 2 (02:54):
I've said they've already said it'll be in twenty six,
and then they said it's now late twenty six. Late
twenty six to me means December. Well, we've got a.
Speaker 3 (03:00):
New Zealand International Convention seat that's kicking off at the
beginning of the year. That's going to be bloom and
brilliant and we need the CRL to be the accompany
piece to that. And the sooner they get it done
and open, the better.
Speaker 2 (03:11):
Okay, the banks last week, the Reserve Bank their final cuts,
seemingly their final cut. Where are you at? Because I
still can't work out whether the banks are screwing it's
the Monetary Policy Committee made some interesting comments about margins
and they said margins for the retails are back up.
Speaker 3 (03:26):
Yeah, so what I want us to watch that really closely.
I made that point a couple of weeks ago on
the banks to say, we expect them to be passing
through those OCR cuts so we get the transmission out
into retail rates as quickly as possible. That should be instantaneous.
And yeah. The second thing is I just say, though,
is that there are some amazing deals out there at
the moment, and if you're not happy with your bank. Actually,
(03:48):
the public, the consumer actually should be shopping around and
actually looking at what they can.
Speaker 2 (03:52):
But are those deals about cash backs as opposed to
better interest rates?
Speaker 3 (03:55):
But now there's actually variation and interest rates. If you
look at some of the you know, the other day
is looking at you know, if you look at the
second TSB and those kinds of players is at.
Speaker 2 (04:04):
You're into some more investment property.
Speaker 3 (04:10):
I read something about that somewhere. Yeah, it's too soon, Mike,
but no, I think the point I'm trying to make
is a we're watching it. Nicola and I have talked
about it, and we are very we're very keen to
make sure those rates get passed on through.
Speaker 2 (04:23):
Short of jaw burn. And can you actually do anything
now because you've made the moves you've made, and the
margins are back up, and the argument around the reserve
Bank and the money they make you put aside at
retail bank level for a rainy day, and all that's
been sorted, and yet the margins are still up.
Speaker 3 (04:36):
So the actual bank, the reserve bank capital rules are
still being worked through. So you know, again, you know,
as you might remember, Robertson put in some pretty stretchy
sort of capital rules and requirements. Possibly over engineered it
and as a consequence, you know, banks a haven't told
more capital and that means higher rates than what they
should have. So you know, we actually want to make
sure we've got that setting right on those limits. That'll
(04:58):
come through, you know, hopefully the next few months. But
the rest of it is actually ye, banks should be
passing it through instantaneously. That's what happens in other countries
around the world. My experience in Australia in the US
was it was immediate. And some of them will say,
oh that we do it in advance of the announcement,
but we've got to watch out closely.
Speaker 2 (05:13):
Okay, the maths amounts. When was the maths announcement that
you and Erica were at This was it Tuesday last.
Speaker 3 (05:18):
Week or it was?
Speaker 2 (05:19):
Yeah, So just to relitigate this because I was ropable,
because this is not about politics. This was about a result.
You've got a result in maths is tangible. Yeah, we
got a good result.
Speaker 3 (05:31):
We've been working you know. You know my story. I
really am passionate about education. I studied it a lot
before I even came to politics. And Erica and I
made a determination in opposition, if we get the chance,
we're going to go for a big time on education
because it's the single biggest thing that gets kids from
a set of circumstances to a better set. And the
frustration here was that, you know, we take over power,
we've got fifty five percent of our kids not at school,
(05:52):
half not where they need to be on reading, going
to high school, eighty percent not where they need to
be on mathematics. So we take the intermediate school kids
because we've put some other programs in place for primary school,
and we basically did these hot house sessions for twelve
weeks and we got these kids moving one to two
and a half years and then maths knowledge with a
twelve week intensive intervention. So we did that trial, and
(06:12):
we now want to roll that out to fifteen thousand
kids across the country. And that was really great news
and I think parents care about that. But instead some
of the media went off about a leadership change that
isn't happening. And secondly, I went and spent the whole
time talking about Section one twenty seven Entreaty Principles. Now
we've passed that law, we're done, We've finished the boards.
We've taken it the obligation of them. I get people
(06:33):
maybe unhappy about it. I don't care. We are there
to get our kids to school and to teach them
the basics. Well, but there's a really good example where
we've actually got great results on new entrants during the
phonics tests. Now fantastic improvement. You had eighteen percent improvement
in kids at or above standards on reading in their
first year at primary school and a sixteen percent reduction
kids need extra help. That's good because our teachers are
(06:55):
freed up to get on with the program. It's working.
Speaker 2 (06:57):
But having watched the thing live and then watched the
coverage of it, they are two different things happened, correct,
and so.
Speaker 3 (07:06):
We didn't get to talk about the math story, did
we We know we did not.
Speaker 2 (07:10):
So what is it you face an election year? Is
this deliberate? Do you think on behalf of some in
the media who will become hell a high water simply
not cover gave.
Speaker 3 (07:17):
I think some of the media are just so disconnected
from the reality of where Kiwis are at. And you know,
when I'm up and down this country, I'm telling your
parents want to talk about how their kids are going
what's going on education? I want to talk about their
mortgage rates. They want to talk about what we're doing
to make the country better, And you actually get you know,
some media just fixated on, you know, a story that
actually isn't happening, not happening, and actually more importantly than
(07:39):
something that's already we've already made a decision on. We've
moved on. So we're not relitigating Section one twenty seven.
We're not asking boards to be upholding the Treaty of
by telling obligations. That's not their responsibility. We're done, we've
finished that, but we're focusing on doing these practical things
to get the kids better educated.
Speaker 2 (07:54):
The other stream of that story was a couple of
days later, the Principal's Federation, I said, seem to suggest
it was a waste of money, It was a bit
of a jack up. And if you ask the kids
the same question every time, of course they're going to
remember it, etc. Is there a mentality within the education
union slave circles that they don't want that they just
can't get their head.
Speaker 3 (08:11):
Well, here's an idea. Rather than sitting on a labor
party stage, why don't you get around the table and
do a twenty four to seven negotiation for your members.
Who are the teachers who are doing a good job?
You know, I just think they're focused on the wrong things.
And the reality is we need to put some standards
in place. You know, you cannot call yourself a first
world country where an under Chris Sipkins, forty five percent
(08:32):
of our kids go to school regularly and fifty five
percent don't. You can't call yourself a first world country
and set yourself up for a fantastic future if you
can't get your kids to do maths and reading. And
so that's what we're doing. We're doing the practical things
to make sure we lift the quality big time so
those kids have great opportunities.
Speaker 2 (08:47):
You mentioned the Conventions Center a moment ago, and I
should have asked this, then where are we at with
move on orders? Because one of the things you said
with move on orders is there's a cruise season. The
cruise seasons here yep, yep.
Speaker 3 (08:56):
So Goldsmith's got advice coming very very quickly on that.
I mean, the move on orders we're very interested in
the problem is what do you do with the people?
You can't just move them around and bounce them around
the city. You've actually got to get a solution in
place that's already that thinking there. Having said that, Simon
Brown and Wayne Brown actually came together last week and
actually put together quite a good action plan on what
they can do.
Speaker 2 (09:15):
So how close is this? I mean, when's something going
to be announced? And something before before Christmas is what
we expect. Yet you're back in parliament this week?
Speaker 3 (09:25):
Yeah? Yeah, yeah, yeah, I'm looking forward to seeing you
on Friday, my friend.
Speaker 2 (09:29):
Yeah no, now look, oh sorry.
Speaker 3 (09:31):
Is this your last week this week?
Speaker 1 (09:34):
Sorry?
Speaker 3 (09:35):
You gave me to the listeners. I'm sorry, but it
is payback time people, because he gives me grief about
the relative and frequency he thinks. We're in parliament. This
is I want you to know. This is the hardest
working government probably since the eighties, passing the most amount
of legislations. Yes, yes, yes, while you're on holiday, where
will you be on a beach somewhere? Or no, I'm
still working.
Speaker 2 (09:54):
We just up the road because I can't afford to travel.
Now here's here's the thing that the gift I've got you?
Are you backing yourself on the gift you've got me? Oh?
Speaker 3 (10:01):
Big time. It's the Powell doctrine. I'm going to hit
you with overwhelming force. My friend is that it is yep,
because you better be ready. It's as a gift arrived
and it was Sammy's idea to his Now you're shifting
it to sam produce.
Speaker 2 (10:15):
A brilliant idea, so you will be I think blow
it away. Yeah, I think you could almost be emotional. Really,
I think you could almost. I think there could be
some tears anyway on your last day. So you're coming,
So you're back on Good to see.
Speaker 1 (10:32):
Appreciate for more from News Talks B Listen live on
air or online, and keep our shows with you wherever
you go with our podcasts on iHeartRadio
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If you've ever wanted to know about champagne, satanism, the Stonewall Uprising, chaos theory, LSD, El Nino, true crime and Rosa Parks, then look no further. Josh and Chuck have you covered.
Las Culturistas with Matt Rogers and Bowen Yang
Ding dong! Join your culture consultants, Matt Rogers and Bowen Yang, on an unforgettable journey into the beating heart of CULTURE. Alongside sizzling special guests, they GET INTO the hottest pop-culture moments of the day and the formative cultural experiences that turned them into Culturistas. Produced by the Big Money Players Network and iHeartRadio.
Crime Junkie
Does hearing about a true crime case always leave you scouring the internet for the truth behind the story? Dive into your next mystery with Crime Junkie. Every Monday, join your host Ashley Flowers as she unravels all the details of infamous and underreported true crime cases with her best friend Brit Prawat. From cold cases to missing persons and heroes in our community who seek justice, Crime Junkie is your destination for theories and stories you won’t hear anywhere else. Whether you're a seasoned true crime enthusiast or new to the genre, you'll find yourself on the edge of your seat awaiting a new episode every Monday. If you can never get enough true crime... Congratulations, you’ve found your people. Follow to join a community of Crime Junkies! Crime Junkie is presented by audiochuck Media Company.