It's used to save money either for emergencies or for any goals that you may have.

And it does gain a little interest.

With traditional banking, it's only 0.01%.

So it doesn't grow as much with a traditional bank.

And it does have limits with the withdrawals that you can do.

So usually it's only six per month, and after that you have to wait for the following month.

And it works best if you have a short-term, sometimes for a long-term goals.

But like I mentioned, it doesn't really give you a lot of interest.

So maybe for the long term, it's not going to be the best option for you.

This new tendency to use Zell or Venmo and that kind of thing.

Is the traditional checking account going to be changing or going away?

With like Zale and things like that, it's mostly to send money to other people.

So it's just a service that's added to your to your banking.

So even with a credit union, you can have Zell as well.

So some credit unions also offer that service.

So it's just a service that's included.

So yeah.

Yeah.

I have a question.

You were you skipped over this a little fast and I didn't notice something that you said.

But for traditional banks, limits on withdrawals.

With the savings account.

Correct.

Yes.

Do they ever have uh limits on withdrawals from checking?

From checking, it's usually the amount.

So they do have a limit.

Yes.

Yeah.

So usually with check-ins, they have an amount of how much you can withdraw on ATMs.

If you go in person.

I didn't mean by ATM.

Okay.

If you went in and said, I want this money.

Usually if you go inside now, there's no limit.

Yeah.

What about ATMs?

What's the isn't there a limit?

Yes, for ATMs, there is a limit and it depends on your bank and also on you.

So sometimes it's 200 to 500, the limit that you have, but you can also call your bank to increase that amount.

So you do have the option of increasing that amount.

Yeah.

Okay.

So we'll move on to credit cards.

So I think for the most part, I think most of us have a credit card.

It's a way that we can pay now.

Sorry, we can buy now, pay later.

It does help us build up our credit if we use it wisely.

And we do want to pay off the full balance at the end of the month so that way we don't uh accrue any interest.

Yes, because interest does make us fall behind and it could be difficult to get out of that cycle or get out of that debt.

There's usually high interest rates.

So again, it does make us be on a trap that we can't pay it off if we are only making the minimum payment.

So if possible, try to make the full payment.

If we can't do that, try to make a little bit more of the minimum payment.

Because if we continue making the minimum payment, most of that payment is going to interest.

It's not really going to the principal to the balance that we have left over.

And then we have the certificate of deposits.

Has anyone here has used the certificate of deposits?

Yeah.

Okay.

How was your experience with it?

Well, it's a lot better than letting your money sit there and not earn any interest while they get to use it.

New money, yeah.

It's usually posted behind the teller window.

You'll see things on the we've got some great CD rates for new money.

So it's true.

So it's worth looking into every time you go into your bank if you're expecting new money coming.

Yeah.

So as they were mentioning, you do have to keep your money saved for a certain amount of time.

It could be a few months, it could be a year, depending on the time frame that you selected.

It usually does pay you a higher interest than savings accounts.4, depending on the bank.

The only thing again is if you take it out before the deadline, before the time frame that you select there, there is a fee that you have to pay.

Um I didn't want to interrupt you, but bankbreak.com will show you a lot of rates different banks and organizations.

So you can choose, you know, you see something that's close to 5% nowadays, uh, pretty darn good.

So that's another way of being self-motivated.

You can look at bankbreak.com and make it much easier in that way too.

Oh, yeah.

Yeah.

So there's different ways that you can uh make your um selection of the services that you want.

Um you can also use Nerd Wallet, that's another option that you can um use.

Um with certificate of deposits with traditional banking.

Um there's a higher um starting balance, so it could be $500 that you have to start with um for the certificate of deposit.

So you do have to check that to see if you're able to um open up a certificate of deposit account.

Moving into the ATMs.

Um, so for traditional banks, um, wherever we go, we usually see Wals Fargo, Chase, uh, Bank of America.

If you go to a different city, different county, different state, we're gonna see the ATMs.

Uh, so that's a good thing about traditional banking is that we have access to those type of um services anywhere we go.

Um we do have to be careful though just because if we use an ATM that's not from that network, if it's not from Wals Fargo, they're gonna charge us a fee.

So I know that ATMs charge a $3 fee just to use that ATM, but Wolf Spargo is gonna charge you an additional fee just because you didn't use their ATM.

Uh so we do wanna be careful with that.

Um, if possible, let's try to use um the ATMs that are within the network.

Um, and as I was mentioning earlier, there is a limit of how much you can take out.

Um, usually it's 200 to 500, but you do have the option of calling and letting them know that you want to increase that amount.

And whenever you are going to use an ETM, you do want to be careful.

You don't want to go um when it's dark, you don't want to go uh if it's if it's isolated, you want to go when there's people just because we don't want to risk our safety and we don't want to risk being um robbed uh in public as well.

So some of the banking fees that uh traditional banks have is a monthly service, usually it's about five to fifteen dollars um per month.

Um there are ways to waive this fee, usually it's if you have direct deposit, um they waive that fee.

Um we have the overdraft fee, that's 25 to 35 dollars per transaction.

So if you have um payments that are coming up and you don't have enough money, the bank is gonna make those payments, and let's say you had two payments for that um day.

They're gonna charge you $25 per transaction.

So that's gonna be $50.

They're gonna they're gonna be charging you that day.

Uh so we do want to be careful with that.

We want to make sure that we have enough money.

If we know we're not we're not going to have enough money, uh we should call whoever's um, let's say it's for the electricity, we should call the company to let them know if they can give us more time.

Um I know for um for the most part they do give you a grace period.

Uh, usually it's uh one day, 24 hours to three days.

Um so if we are able to, let's uh put the money in there just so we can avoid that fee.

Um and then we I I mentioned the ATM fee, and they do have the minimum balance uh fee.

Um so we want to ask if there's a type of account that we can have without having to pay the minimum fee.

Sometimes they have different types of accounts.

They have student accounts, they have um uh low-income accounts, they have um senior citizens' accounts, so we we have to ask what type of accounts they have to see if we are able to avoid some of these fees that they have.

So we're gonna move on into um talking about the credit unions.

Um, so I know some people said that they have a credit union.

What do you like about your credit union?

Yeah, yeah.

Okay.

And uh their rates are really good, and they seem to be very prompting.

Anyone else wants to share what they like about their credit?

Yeah.

Um I can get my credit card through my credit union with fees.

Yeah.

No, yeah.

So yeah, that's a plus that you uh have that option.

Yeah.

Anyone else wants to share?

Yeah, uh, my credit union offers uh the service of someone who will function as your financial planner for you.

Okay, yeah.

So the fiduciary, but I guess the banks can't really do that because of course they're gonna use this, but you can get financial planning services.

Yeah, some credit unions do offer financial planning.

They say with you one-on-one, they talk about your goals and what you want to accomplish.

So yeah, that's a plus of the credit unions as well.

Um, so credit unions, they're um with the um compared to the traditional banking, they're for nonprofit, so members um it's member based.

Uh, so uh usually members are owners of the the credit union.

Um they focus more on um community needs.

Uh so again, they do try to help you a little bit more.

Um, they do have those um financial coaching uh depending on the credit union.

And similar to the traditional banking, they are also protected.

So they are protected by the NCUA.

Same thing.

If something happens to the credit union, your money is protected as well.

So that's like C F F the IC.

Correct.

Yeah.

It's just for the credit unions.

So yeah, again, they do have different services.

So like they mentioned, if you want to maybe open up a 401k, they can maybe guide you into which one may be the best option for you.

And again, they do offer the checking and savings account.

The only difference is that usually it's lower or no monthly fees.

So compared to the traditional banking, credit unions don't have they have a lower monthly fee or no monthly fee.

Savings, they do tend to have a higher interest rate.

So as I mentioned, traditional banking banks, they have 0.01%.

It's not that much higher, but it's a little bit higher.

It's 0.7.07% to 0.1%.

So again, it's not that much higher, but it's a little bit better than the traditional banking.

And it's easier to qualify for accounts, as you were mentioning.

Once you have a credit union, it's easier to open up other accounts as well, just because you have the relationship with them.

And with credit cards and loans, similar thing.

They do have lower interest rates than traditional banking.

So if you get a credit card with a credit union, maybe you have a 15%, 20% uh interest rate.

Yeah, so it's yeah, it's really good.

With the traditional banking, usually they give you 25% or more.

I've seen some people that have gotten a 30% interest rate.

So that's really, really high.

Um so uh again, credit unions do tend to um want to help you a little bit more, so they do offer lower interest.

Uh, same thing with loans uh with the credit union, they may give you give you a uh 13% uh interest rate with a traditional bank, they may give you 20%.

Um so um we do want to uh make those comparisons and see which one is the best option for us, which one is going to save us money because that's what we want.

We want to save money with uh banks, we don't want to pay the banks.

And again, certificate of deposits, credit unions also offer that, um, but they often have a better interest rate than the traditional banks, and with uh credit unions, they also have a lower um balance that you can start with uh your certificate of deposit.

So instead of maybe being 500, it's 250 with it with the credit union.

So it does have a lower balance.

One of the biggest differences is with the ATMs.

So with uh credit unions, uh, if you go to a different county, if you go to a different state, you may not be able to find an ATM with uh your credit union.

The good thing about the credit unions is that they're connected, so they do have a network, uh so you are able to use uh let's say that I have school schools first, I'm able to use the Orange County Credit Union ATM.

So that's the uh positive about um the credit unions is that they're connected and you're able to use that with with no fee.

Um so if you go to a different city, if you go to a different county, you may be able to use uh an ATM from another uh credit union.

And with uh credit unions, you do have to join.

Uh so there's different uh ways that you are able to join the credit union.

Uh some of those credit unions are uh employee employee based.

So if you work with a certain company, uh you are able to open up an open up an account with them.

Um sometimes it's the community based on the city that you are living in.

Uh so I know that Santa Anna has a credit union for Santa residents or people that work in San Anna.

Um we also have Orange County Credit Union, so that's that's for anyone that's in Orange County, and then we have schools first, that's for people that work in schools or or are students in either the uh college or university.

Uh for schools first, um I know a lot of people do want to join that because they do offer great benefits.

Um let's say that you are not in school, um, you don't work in a school.

If you have a family member uh that's really closely related to you, you may be able to open up an account.

So let's say that um your son is going to college and they open up a schools first account, you may be able to open up an account just because you have that relationship with them.

Do they get the same benefits?

Yes, you should be able to get the same benefits.

I know that there's some services that you may not be able to use just because it's specific for either employees or for students.

But for the most part, you have the same same services.

And compared to the traditional banking with credit unions, you can open up, open up an account with $5 to $25 compared to like maybe $100 or $150.

So it's more accessible to people that you have to you don't have to have a lot of money to start an account.

And I have I provided this table to you, so it does give you that information on the handle that I provided.

It's just some key differences between credit unions, traditional banking, and also online banking.

And what's the best situation for banks?

So who should have a traditional bank?

So usually if people travel frequently, if they go to different states, different cities, either because of work or they just like to travel, maybe a traditional bank may be best for them just because again, they're gonna be able to access those banks wherever they go.

Maybe they want to use other services, better services that maybe the credit unions don't provide, just because usually traditional banks do offer more services than credit unions.

Also, for the most part, traditional banks do invest a little bit more money on their mobile banking.

So the mobile app may be a better uh may work better with traditional banks.

And best situation for credit unions.

If we want to have lower fees, we want to have better saving rates.

Maybe we want to start with a loan or credit or credit card.

Again, credit unions are going to offer a lower interest rate with those.

And again, for the most part, some credit unions do have that close relationship with you.

So if you have a question, if you have a goal in mind, they can sit with you and work with you on that on that goal.

Any questions on either credit unions or traditional banks?

Yeah.

I just wanted to mention since you go to schools first, that you can go to ATMs that are in every 7-11, I think it is.

They're not operated by 7-Eleven, but they have an ATM that you can use for schools first.

Yeah.

No, yeah.

Yeah, I've I've seen that.

Some locations do have a scores first ATM.

So they are in different places.

Yeah, thank you for that.

Okay.

So we're gonna move into online banking.

Um, so with online banking, everything's online.

You are able to access your account 24-7.

Um again, it's either gonna be through uh the internet or a mobile um mobile app.

Um, so some of the examples, it's like China, I like Capital One.

Um, they often have no branches, it's um all online.

The only exception is Capital One, that they have a cafe in Irvine.

So you are able to use some services in there, but it's limited.

So again, for the most part, it's everything online.

So they do offer the same services as the traditional banks, uh, credit unions with the check-ins and savings, uh, credit cards and personal loans.

Um the difference is that for the most part, the check-ins accounts, checking accounts are gonna be free.

So you're not gonna have to pay anything uh for that.

With their savings, they are um usually also offer a higher interest rate.

Um they have the high yield savings accounts that offer like a 3.4 um interest rate.

Um, so they do offer a little bit more on that, so uh maybe that's a better option for you as well.

Um and secure credit cards, uh, traditional banks do provide that as well, but that's for someone that either wants to start their um their credit history or someone that wants to rebuild their credit history.

Uh so it's a way for them to make a deposit.

Let's say it's $500, $500 is going to be their uh credit limit.

Um, after a year or so, um, if they had a good history, the bank may open up an account with uh for them.

So they're gonna open up a credit card with the bank.

It's no longer going to be the deposit, it's going to be money from the bank.

So that's um a positive about the secure credit card that we show the banks that we are uh we know how to manage our the credit card.

Uh, some advantages and disadvantage of uh online banking, um advantages is that they have low fees or no fees.

Uh with their savings accounts, they do have a higher interest rate, and their applications are usually easy to use.

Uh the cons is that there's no branches.

So if uh we like to go in person, we like to talk to people, they don't have that option.

So everything's online.

Um, if we have a question, we may have to call via phone or send emails or do the chat um option as well.

Um cash deposits are a little bit more difficult, but we do have that option.

So uh I don't know if anyone has seen has seen the access point uh ATMs, um, usually they're in stores.

You are able to use those ATMs.

So that's an option that you have as well.

The access point um ATMs.

Yeah, so for um all of the services that we're trying to get, um we do have to make sure that they are protected, yes, because sometimes, like they mentioned, uh they advertise services, but they're not protected by the FDIC or the NCUA.

So we do.

So the moral of the story is don't put your money all in one place.

I mean, you better have some emergency money accessible somewhere else.

Yeah.

So now that we talked about traditional banks, credit unions and um online banks.

Um, so we do want to make sure that we know what fees uh they're going to charge.

So if we want to open up an account, we want to have the fees in mind, just because again, we don't want to pay a lot of fees.

We want to pay um the lowest we can.

Um how is it how easy is it to access your money?

Uh, going back to that.

Um, do we have ATMs available?

Um, is there different ways that we are able to take out our money, transport our money?

Uh, what are those ways that we can access our money?

Do they have good customer service?

I know for the most part, uh, usually credit unions do have a better customer service compared to traditional banking, just because again, they're just trying to get people in and out of the of the bank.

Um, do they help you save money or do they cost you money?

Um, as I mentioned before, we want to um pay less, and we um we don't want to pay the bank.

We want the bank to pay us.

So we want to have more uh a higher interest on our savings, we want to have a lower interest on loans on credit uh credit cards, again, because we want the bank to be paying us, not the other way around.

And sometimes uh maybe in the past we didn't have a good history with our account, and maybe it got closed.

And there's different reasons why an account might have um gotten closed.

Um but usually when this when this happens, we do have the right to access that report to make sure that everything's correct.

Um and if everything's correct, we know that um the reason why the account got closed is is right.

Um it may be a little bit difficult to open an account with another bank.

Uh let's say that we had Walls Fargo and we're trying to go to uh we're trying to go to Chase, they may not let us open up an account.

Um so what we can do is that we can either try an online bank or we can try to see if they have a second chance account.

Uh so usually the second chance accounts um they do they do let you open up an account.

You have limited um services, but it's just for you to start again to show that um you know how to manage your account.

Um I know for the most part everyone has an account already, um, but usually you need your ID, your social security number or ITIN, proof of address, and an open um opening deposit.

Um and we do want to ask about the different accounts that they have.

Like I mentioned, sometimes they do have a student account, they do have um senior citizen account, they have low-income accounts.

So we want to make sure that they are providing the lowest um fees, the lowest uh the account with the lowest fees.

We want to make sure that we have the account with the lowest fees, so we save money as well.

Um, so real-life scenarios, so which option is the best uh for this uh different people.

So Maria lives paycheck to paycheck and wants to buy a used card for her.

For her, what type of bank would be the best option?

Credit union, yeah.

Uh why a credit union?

Yeah, so yeah, uh better rates.

Uh, usually they have lower fees as well for your um checking accounts.

Uh then we have Jorge works two jobs and doesn't have time to visit a branch.

Online, yeah, so online bank uh would be the best option.

I know some people have mentioned uh to me that um nowadays, even traditional banks and credit unions um offer the same services online, but the main difference uh with online banking again is that they have lower fees or they have no fees and the interest rates are usually higher.

So if I want to open up uh an account with lower fees, online banking is going to be the best um option on this case.

Uh Lewis's job requires him to trouble between cities.

Uh, what would be the best option for him?

Mm-hmm.

Yeah.

Uh again, like I mentioned, there's uh you are I you are able to access um ATMs, the uh branches on different cities, different counties, different states.

Okay.

So that's all that I have for today.

So uh for the next class, we're gonna be talking about savings and managing debt.

Uh it's gonna be March 11th, uh, same location, same time.

So thank you.

Um, if you know I'm on scene at the parking structure, I've got the suspect.

He's uh on the left side of the structured top level, he's uh checking door handles.

The two minute response time is unheard of.

Um when you call us and we're there in two minutes, you won't even you'll barely be hanging up the phone and we're there.

That is something that's unheard of because it's a common complaint throughout law enforcement.

We just started our drone as a first responder program that's called the DFR program.

The pilot, the drone pilot is sitting at a location in our station, our real-time crime center.

From here, we can hear the call go out.

We can punch in the location and have the drone on scene normally within two minutes or less.

If it is a crime in progress and we realize or we get up to date information from a witness in that area that that suspect is moving, we're able to also in real time update that location, or I can take over and start changing that location.

Once the drone is on scene, the pilot can transmit the officers if there is in fact a crime occurring or if there's no need for their response at all.

If we don't have video uh of the crime occurring, sometimes those cases go nowhere.

So if we're able to get a drone overhead recording that happening, uh not only is it helpful for the officers for us to direct them to know where that suspect is going, it also helps uh not only the investigators but the district attorneys in the prosecution of that case.

So this program is a completely reactive program.

It's not proactive.

We're not out proactively looking, looking for crime.

We're not looking in people's backyards.

We are there because there's a legitimate call for service.

We'll respond to that call for service.

We will have the drone's ability there, and we will use it to the maximum extent.

We need real-time situational awareness so we can get there and save people's lives.

These drones give us that capability.

It's it's disaster preparedness.

It is helping us to look for seniors that are lost, and we have silver alerts.

It's helping us for kids that get lost.

It is off of the charts in terms of how much better public safety becomes because of this.

Other larger agencies that have already begun their DFR program have reported between 20 and 25% of their patrol calls were actually handled by the drone.

So right now we're in the first phase of our DFR program where we have three of these dogs positioned throughout the city.

Eventually, we want the entire city covered, which means we're gonna install more dogs eventually.

That way we can respond to any call in the city within two minutes.

We're gonna solve crimes quicker.

Our response times should be two minutes by the time uh we get done with this program.

You're not gonna have that anywhere in the country.

This allows us to let business be uh conducted as usual without significant interruptions.

It's gonna be it's gonna be a game changer.

Hello, everyone, and welcome back to another episode of Digital Storytime.

My name is Miss Laura, and I'm coming to you again from the Tabby Theater here at the Huntington Beach Public Library Central Library location.

I hope all of you are safe and happy and healthy at home.

We are going to get started this morning, just like we always do, by putting our hands out just like this.

Can you show me your hands?

Can you wave them in front of you?

Very good.

Make them stop.

Oh good.

Stop hands.

Now I want you to tap your hands in your lap.

And can you crap them together?

Very good.

Let's practice that together.

Let's pad and crap.

Pat and crap.

Pat and clap.

And we're gonna keep padding and crapping and seeing a little slow.

So let's go just a little bit faster.

Ready?

Hello everybody, how are you?

Hello, everybody, how are you?

It's such a lovely day.

I'm so glad you came to play.

Hello, everybody.

How are you?

Give you some big trap.

Good morning, and hello!

Now that we've woken up our singing voices, I want you to wake up your wiggle fingers.

Now we're going to say a little rhyme with our with our wiggle fingers.

It's called fingers like to wiggle waggle.

So wiggle waggle those fingers.

Because fingers like to wiggle waggle, wiggle waggle, wiggle waggle.

Fingers like to wiggle waggle.

Way up high.

Everybody put your wiggle fingers away up high and wiggle wiggle wiggle.

Now bring them back down.

And ready?

Fingers like to wiggle waggle, wiggle waggle.

Wiggle waggle.

Fingers like to wiggle waggle.

Way down low.

Everybody put on your low voice and say low.

And wiggle those fingers down on the ground.

Very good job.

Now bring them back up.

Fingers like to wiggle waggle, wiggle waggle, wiggle waggle.

Fingers like to wiggle waggle on my head.

Can you wiggle your fingers on your head?

Good job.

And fingers like to wiggle waggle, wiggle waggle, wiggle waggle.

Fingers like to wiggle waggle on my tummy.

Can you turn them into tickle fingers?

A tingle tinkle tingle.

And say shh shh shh, shh, shh, shh, shh, shh.

Now can you put your wiggle waggle fingers away?

Put them out just like this.

And let's sing.

Open, shut them all together.

Are you ready?

Here we go.

Open, shut them.

Open, shut them.

Give a little clap, clap, clap.

Open, shut them, open, shut them.

Lay them in your lap, lap.

Creep them, creep them slowly.

Creep them right up to your chin, chin, chin.

Open wide your little mouth.

Say but do not let them in in.

Very good.

Are you hiding your fingers behind your back?

Hide them away because we're going to bring them out and say peekaboo.

Are you ready?

Here we go.

Let's count to three.

One, two, three.

Pinkaboo.

Now put on your binoculars and look around the room.

Say I see you.

Give yourself a big clap.

Now I think we're all awake and ready to find out what we're talking about today.

So let's check our shapes.

Let's start right up here.

What shape is this up at the top?

Oh, I know it's pointy, just like a triangle.

Now, what color is our triangle?

Oh, I know it's orange.

We have an orange triangle.

Let's look and see what it's hiding.

Maybe right now you can shh.

Whisper what you think is hiding to the person sitting next to you.

Now let's check.

Ready?

Put your hands out just like this.

And one, two, three.

Oh, what is that?

We have a little fish hiding.

Can you say, just like a fish?

Very good.

We have a fish hiding today.

Let's see what else is hiding.

What shape?

Oh, this is an easy one.

What shape is this here?

It's a heart.

Now what color is our heart?

It's one of my favorites.

I bet you know what it is too.

It's the color.

Pink.

Now, let's look and see what our pink heart is hiding.

Are you ready?

Here we go.

One, two, three.

Oh my goodness, what is that?

We have.

A turtle.

There was a turtle hiding behind our pink heart.

All right.

We have a fish and a turtle so far.

But let's check our last shape.

Do you have an idea of what we're talking about so far?

Shh.

Keep it a secret.

Let's check our shape.

What shape is this?

Hmm.

It's a circle.

Now, what color is our circle?

Oh, I know.

It's blue.

We have a blue circle.

Now can you say shhh?

And turn to the person sitting next to you.

And I want you to whisper what you think is hiding behind our blue circle.

I'll give you a couple seconds to do this.

Let's see.

I'll count on my fingers.

One, two, three, four, five.

Did you guess?

Let's look and see if you were right.

Ready?

One, two, three.

What is that?

It's an octopus.

An octopus.

We have an octopus, a turtle, and a fish.

So what do you think we're talking about today?

Hmm.

Where do all of these animals live?

In the ocean.

So we must be reading about the ocean today.

Give yourself a big clap.

You did a great job with shapes and colors now.

Should we read our ocean story?

I think so.

And I know that you probably know a lot about the ocean, right?

So let's read a guessing book.

I'm going to need your help.

Guessing.

Who's hiding in the ocean?

So let me scoot up just a little bit so you can take a good look at our pictures.

This is who's hiding in the ocean.

Let's look and see.

First, can you tell me what kind of ocean animal this is?

Oh, I know.

It's an otter.

Let's see who else we can find.

Oh, I bet you can guess this one.

Who's hiding in the kelp forest?

Do you remember what we saw on the cover?

Let's look and see.

Oh!

Look at that!

It's a sea otter playing and floating with the seaweed!

Oh, I bet you guys knew that one.

Let's see what else we can find.

Who's hiding in the anemone?

Anemone, right?

That's how you say it.

What do you think it could be?

Let's look and see.

It's a clown fish protected by his anemone friend.

Now can you tell me the name of a clown fish you might know?

Have you seen Nemo?

It's just like him.

Let's see who's next.