Maqasid al-Shariah 2: Benefits and Harms

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hamdulillahi Rabbil alameen wa Salatu was Salam O Allah and obile Karim Allah Allah, he was happy marine.

Once again, welcome and thank you all for attending.

This week's lesson is something which I believe is very, very important for our community.

And specifically for all the lessons we're going to discuss, I think this week's lesson is the thing that I really would love to teach our youth and our teenagers and our preteens. I believe that this concept that we're going to study today, if people learn this concept when they are 11, or 12 years old, they will, they will be able to protect themselves from a lot of major sins in their teenage years in the early 20s. It's a very, very crucial concept that we're going to study today. So inshallah, I hope that you will

find this beneficial and be able to take this information to the next generation in some form or the other with the discussion to your family, whether it's getting people to listen to this online or to watch the recording on YouTube, whatever it is just to get this information to the right people.

Right, so before we get into today's actual topic, which is the attainment of benefit and the removal of harm as the primary goal of the Sharia. Just a brief recap of what we covered last week. Last week we did our basic definition maqasid al Sharia means the goals or the objectives of Islamic law. Why did Allah reveal those? That's simply what this topic is all about? This subject is about why, right, all of us study the law. It's something we all learn in madrasa within an Islamic school, we all studied the law, one thing that many of us may not have studied is why, right and we said this, this whole concept is derived from the name of Allah subhanho wa Taala al Hakim, the one

with infinite wisdom, if a large wisdom is infinite, this means that every law he has revealed is based on divine wisdom. And shimakaze is simply a jihadi effort to understand that wisdom, it is a reading of the Quran and Sunnah in a way in which we are able to derive that wisdom and figure out some of the not all of it, but some of whatever is within our capacity.

We also learned, I mentioned it briefly, but this is the topic of today's lesson, that the primary goal of the Sharia is the attainment of benefit and the prevention of harm. What does that mean? Today's entire hour will focus on what that means.

And we broke down benefit, or the other way of looking at the Sharia into the protection of five necessities called the do rule react. Right? The five necessities, religion, life, intellect, wealth, and number five goes by different names lineage are now our family. Right?

And one very important point, very important point, not all of the Sharia is rational meaning not all of the Sharia is such that we can understand why doesn't mean there's no wisdom, it means not everything, we can understand why there is a small part of it, that is the ability, the ability means you simply doing it out of obedience to Allah subhanho wa Taala. Without understanding why we gave the example we cannot figure out why we pray three rockets or Maverick instead of two or four. We simply do it because Allah told us to do it. Right. So a small portion of the Sharia fits to that category. We don't understand why, but some we are not wattana we are and we obey, right? So there

is a portion of the Sharia that is like that. So it's very important that we understand that. So this is basically a summary of last week. And what we're going to focus on this week is point number three.

And point number three, I take it from the book by even assurx Rahim Allah who we spoke about last week, he was the great Maliki scholar who revived the field of maqasid in the 20th century, in his book on the constitution area. In one of his early chapters in that book, entitled The primary goal of the Sharia. He ends the chapter by saying the entirety of the Sharia revolves around two things, the attainment of Muslim law and the removal of Masada, the attainment of benefit and the removal of harm.

And so this statement summarizes what Islam Islamic law is all about. Now, what does this mean on a practical level? How do we break it down? What is Muslim? How, what is master doubt? That's what we're going to get into today. But just a brief introduction to what do we mean by the statement? What do you mean by the statement is any command that Allah has revealed? Allah has commanded it because it's beneficial to us.

And anything that Allah has made her wrong

He has made you how wrong because it is harmful to us. That's simply what the statement means. So you can look at any of the obligations or the Mr. hub apps recommended in Islam and you can derive from it some benefit. You can see okay, there is benefit in doing this. There is benefit in praying five times a day, these benefits in passing the month of Ramadan, these benefits and giving charity these benefits and getting magic is benefit in, in studying these benefits in running a business there's benefit in even in things that sometimes you may not think there's benefit. jihad, for example, we mentioned that as well. Right? That anything that Allah has legislated all out there is

a Muslim, add some benefit in it. And wherever Allah has prohibited whatever Allah has made her wrong, it is because of the existence of Masada harm, that these elements are harmful to society, alcohol, gambling, Zina shark, all of these things are harmful to society. Some of them are harmful spiritually, some of them are harmful physically, some of them are harmful emotionally, but all of them have some kind of harm. And so when you study the Sharia, when you look at Lourdes, you should look at it from this perspective. If Allah has commanded it, they must be benefiting it. If Allah has prohibited it, it must be harmful. What Marcos did is all about is figuring out what those

benefits are, and what those harms are, and then using that also for each Jihad on secondary issues.

So to begin, let's look at the first half which is Muslim. What is Muslim? And you will hear this topic quite often in modern day discussions. Right? Even if for masala, your people talking about weighing the masala and the Mufasa, weighing the benefits and the harms, because this is a modern method of big based on my coffee to show you that when you're looking at something new, and you're trying to figure out is it halal or haram, you're going to get the benefits and the harms and you're going to wait on escape, because the reality is most of the things that exist in the world today are not 100% beneficial or 100% harmful, they are a mixture of both, right. So that comes down to

measuring masala and Mufasa. So what is Muslim, Muslim ha which comes from the root word sila hat, which means to be good to be righteous to be beneficial, all of these meanings can be taken from it, right. So the word saw the highest person comes from the same root is law to reform society comes from the same root must have means, according to ashati be that which produces benefit to people at a collective and individual level. So a sharpie was one of the classical Maliki scholars who wrote about Mikasa Sharia and in his book, he defined Muslim law as that which is beneficial for people at the collective and individual level. So immediately, we break down muscle heart into two categories.

Ama Hossa, public Muslim or an individual Muslim. What do we mean by public Muslim, individual Muslim? we mean by this that the Sharia is such that all of the laws of the Sharia have individual benefits and benefits for society as a whole. Some of them focus on individual benefits, some on the societal level and some one vote. So in example, the vote is aka, when we give Zakat the individual Muslim had a is purifying our souls for miserliness and greed. So that's a, that's a Muslim horsa that's something that benefits you. The Muslim Ummah of giving sadaqa is that money circulates not only amongst the rich, but it reaches other people as well. So when someone discharged this occur,

there is benefit for the individual and benefit for the public in one act of worship. Right now some acts of worship will have public benefit, some will have individual benefit, some will have vote. And sometimes there'll be a clash. Sometimes you have to choose between a public benefit any individual benefit. In these cases, the maximum is in most cases, obviously there's exceptions, but in most cases, public benefit takes precedence over individual benefit, meaning if something is going to benefit you, but it's going to harm the public, or it's going to cause problems for other people, than the other people are given preference over yourself. In most cases. The classical

example bound, mentioned in the book of fic is if you have a house right next door to your neighbor, and if you're going if, if building a wall in your property is going to obstruct his property in some way. So for example, maybe blocking his view or block the sunlight on getting into his garden or something like that. The government can actually when a salami country prevents you from building a wall in your own property because of the harmful costs.

you enable, or because you prevent him from some benefit, maybe sunlights not going to reach his garden or something like that. So you need his permission to build a wall. Right? So it's not always a matter of you know, this is where Islam comes very different from

modern Western philosophy. modern Western philosophy is all about my rights. My one what I want, right in Islam is all about the oma the society, you've been putting others. And so sometimes we sacrifice our individual rights or individual ones, for the sake of the benefit of the oma, our neighbors, our families, our friends, and other people. So we'll discuss that a bit more in the examples.

The main point about this, in fact, is that the commandments and the prohibitions in our Sharia, they revolve around the attainment of benefits. Meaning, you can look at anything that is wajib or mooster. hub in our Sharia, and you can see the benefit in it. There is always benefit in it. So for example,

what would be the benefit of solar?

Can someone tell me what's the benefit of putting solar? Your child walks up to you and says, Why should I free solar? And you tell them because Allah commanded you to see what's in it for me? That's how people think these days what's in it for me?

So why do you say Salah?

Hmm?

Yes, that's one of the mikaze mentioned directly in the Quran that Salah prevents you from immorality. Someone who prays five times a day is less likely to commit major sins. Right? It prevents you from immorality, which is a benefit to you. It becomes the value between you and immorality. It also becomes the value between you and Kufa. Right The Prophet Muhammad Sallallahu Sallam stated about Salah for man tarraco who forgot copper. Whoever abandoned abandoned z leaves the faith. There's two interpretations here according to the Maliki Shafi and humbly mazahub, it means if you don't pray five times a day, another Muslim

according to the Hanafi madhhab, it means if you don't pray five times a day, you aren't, you are on the slippery slope, it's a first step towards

a difference in interpretation. The other three must have stated to me that it is good for not to pray for your Salah, just the act of not praying Salah is an act of God for especially according to the humbly majority strictest on this issue. The Hanafi madhhab takes a more relaxed interpretation of this Hadees and says that the Hadees means once you start playing Salah, you are opening the doors to God you are heading down that path. Right? And so it's a very dangerous thing. So any act of worship if you sit and think about this is what the scholar mikaze did. Right? The earliest known writing we have of this idiom ghazali is Dean, they may be some before that I'm not aware. But

that's the earliest known one that I've read. This is basically why the Luma genius courses such a revolutionary work. Up until that point in our history. Nobody ever actually sat down and wrote about why. Right, so he wrote about why we pray Salah, why the fast? Why gives the car what's the benefits of all of these things? What's the harms caused by alcohol and drugs or drugs, what, you know, whatever was available in those time, all these things that existed in his time he wrote about the benefits and the harms. And this was the first time that Islam was actually taught, you know, in this manner, it's such a wide level. And that's why right today, the book by Angus alley is

considered one of the most beneficial and defining books in our history. So give examples of this. I have someone that next page. But just to clarify, when we talk about benefits again, many times we only think of benefits physically, because we've been trained to react to a consumer culture, everything's about physical or monetary benefits, right? But the sherea talks about benefits, it also talks about spiritual benefits. So sometimes something doesn't have the physical benefit. It has the spiritual benefit, like fastings benefit is that Allah

said your taqwa increases. This is a spiritual benefit. That is not something physical.

But there are things which have physical benefits as well in our Sharia.

Passing also has physical benefits. That's something that's very clear from more than science, emotional benefits. So the laws of Islam have emotional benefits. The clearest example is marriage what Allah say about marriage in the Quran, he says that it puts between your hearts love and mercy, right, love and mercy. It puts us between people that this is an emotional benefit of a way of obeying Allah. He puts this in people's hearts when they get married the right way. The monetary benefits, idea monetary benefit benefits to following the Sharia when it comes to business when it comes to soccer, when it comes to these things, sometimes the monthly benefits are not for you.

Sometimes it's for the poor. Sometimes it's for the community, but the monetary benefits to following the Sharia as well. So just a few examples of how the AMA have looked at different parts of the Sharia and

mentioned the Muslim

Sala. So the AMA have derived multiple benefits of praying five times a day. The primary and most important one is to preserve our fate. So last week, we said, the entire show revolves primarily around preserving five things. Number one is our fate. Number two is our lives, our intellect, our wealth and our family. So number one is our fate. And therefore, when you look at the Pillars of Islam, Shahada, our feet, Salah, our feet, fasting, our fate, right, the guy and Hajj that goes into the other elements, preserving well preserving society is also faith in God as well. All five happy people, right because all five work to preserve your faith but solid primarily, as I mentioned that

Hades for Mandara who forgot copper or whoever abandons it begins to leave the field or leaves the field depending on which interpretation you follow, is directly linked to outfit. Another benefit mentioned in the Quran for Salah is it makes you remember Allah, right? That Salah makes you remember Allah, so people who pray five times a day are more conscious of Allah, they think about a lot more often. And so this again has a third benefit, which is what I mentioned earlier in the Salatin Haneul Pasha Mancha is Allah prevents you from immorality and indecency major sins, right.

So these are benefits for Salah. And really somebody has to ask why should I pray five times a day, the primary reason is praying five times a day keeps you Muslim.

Right. This is a concept in Islam of our Mr. Our taqwa going up and down. Our demand goes up and it goes down. I think everyone's experienced that. You have days where you feel pious and you have days where you're like on the verge of committing major sins

always going up and down? How do we maintain at least a moderate level of a mantra to praying five times a day? Right? You notice the day you stop praying five times a day your demand drops like that. So this is to preserve our faith, it keeps us there. Now how do you increase your email, you pray, the sooner you create 100 you add upon it, you build upon it. But for preservation sake, the $5 idea, the $5 is not a luxury, it's not something that only pious people do. It's literally the minimum every believer has to do just to maintain the

point number two.

And I mentioned this Zakah is an obligation there multiple benefits from soccer for us. It purifies our soul, it gets rid of our greed he gets into laziness. But more importantly, the Quran mentions about financial transactions of this nature, that one of the mocassin mentioned in the Quran is true that wealth does not only circulate amongst the rich, this is one of the verses of the Quran, translation of it. So that wealth does not circulate only amongst the rich. When we are giving soccer, when we are giving sadaqa we have a walk of setup. When we are doing all of these different things, then we make sure that even if we are getting richer, we are taking the rest of society with

us. We're not leaving people behind everybody benefits. So when a Muslim becomes a billionaire, and he's giving his aka, he makes creating multiple millionaires in the process. Right? So this is circulation of wealth. So this is something that's a public benefit of Zakah, that it helps people. It helps in any Windsor car is applied properly at the government level. In a country that's doing well financially, it can alleviate poverty completely. It can work to completely alleviate poverty, because if all the billionaires in the world are paying two and a half percent a car, then everybody will have enough money to meet the basic needs. No one's going to be below the poverty line. There

is that much money in the world. It's just that with capitalism, there is no obligation.

Right? It's there, but it's not an obligation. Now without Sharia, it's an obligation for this specific reason.

Now the example of Muslim, this is where Muslim clashes with another Muslim child. So people always wonder why does Islam allow Jihad Now obviously, in the time and place that we live in South Africa, there is no jihad. Right? We don't talk about it in that way. But this is an example of Muslim people wonder why why would Islam allow warfare allows war because the greater muscle heart takes precedence over the individual muscle of protecting the state protecting the cities and protecting the armor protecting the religion. All of this takes precedence over protecting the individual lives of the soldiers. So a Muslim man may go out and fight to defend his country to defend his religion

to defend his family. He's risking his life to protect others. Right. This is the example where public Muslim law takes benefit takes precedent over

Individual Muslim, as a man is putting his life on the line to protect his country or to protect his religion. Right? So Jihad falls into that category.

Education, we know our religion has made seeking knowledge, a obligation, right? seeking knowledge is an obligation in our religion. And even though that refers primarily to Islamic knowledge, it encompasses anything you need to do to live a life of your son, to live a life of excellence, anything you need to live a life of excellence will fall into this category, right that a Muslim should seek out the best education possible in whatever field they are in, they should seek to be the best in their field. So why did the slump, please, so much priority on education, because again, this is a Muslim Ummah, is a public enterprise. When a Muslim is well educated, whether it's in the

religion, whether it's in medicine, whether it's in business, whether it's in accounting, counseling, whatever it is, it doesn't just benefit the individual, it benefits the entire community. Everybody benefits, right? So for the sake of public benefit, making sure that the community has people who are well skilled in everything, we have a lot of

emphasis on education. And this is one of the problem with many of the modern jihadist movements. They focus only on Islamic education that were very poor form of Islamic education. So when they do find the form the so called Islamic states, it collapses very quickly Why? There's no doctors, there's no politicians, there's no public servants. There's no one who knows accounting, there's no one who knows how to manage the finances of the country, how to run a country how to administer a country, they have nothing, they literally just have soldiers. You can't run a country on just soldiers. Right? So our religion teacher, the comprehensive education system, it's not just focused

on one thing.

Manage we'll come to this specifically into preservation of family. But it's very important nowadays, you know, until a generation ago, nobody questioned the concept of marriage, we now have people questioning the very idea of marriage. Right? In fourth wave feminism. Gay question matters completely. You see, this is a this is a concept from the patriarchy. So we have men are controlling woman, right in this modern age of Xena. People think why should I get married?

If everything's freely available, what's the point? What's the benefit? What am I getting out of this? Right? And with the spread of divorce that we are seeing in our community, a lot of young people are growing up, they seeing divorce all around him, they see people fighting all around them, they see other people enjoying lives of Xena, they ask, why should I get married? What's the point of marriage. And so we now have people who have no intention to ever give our entire lives. We actually have this happening today. So it's very important that at a young age you discuss with your teenagers, or even before they become teenagers, the importance of marriage in Islam and the

benefits in it. Because marriage doesn't just have benefits for the individual that's more or less what we focus on. Its benefits for the entire family. Its benefits for the husband, the wife, the children, the parents, the great grandparents, great, great grandchildren that will come from it. for everybody involved, there is a comprehensive set of Musleh of benefits that come when people work towards having happy marriages.

And we're going to discuss this in details later on.

We have come to the final slide, compared to a panel discussing even more details later week when we discuss the preservation of family just for now is important for young people to understand this. If someone asks you why should I get married? What's the point? Right, to be able to show them the benefits of marriage. And you know why we can't show them the benefits of marriage today. Because as a society, we become very negative towards it. Divorce is higher than it's ever been in our history. Right? People only talk bad about if you look at the jokes we make about marriage. What do people say? The most expensive pair of handcuffs, right? Things like that. Now we make that jokingly but do

you ever think the psychological impact that has on the younger people that's listening? Why would they want to feel bad cops? Why would they want to be chained to someone? Right? Neither these are the jokes we make we say the old ball and chain and things like that, you know, we we make marriage sound like such a prison sentence. And then we wonder why young people are scared of getting married. So as a society, our whole attitude towards this topic has to change. And the parents have to demonstrate it to their children. Parents have to demonstrate to the children that their marriage has made them happy. The marriage has brought benefits into their life. Their marriage has brought

peace into their life. Humans have to show slow time we don't know I think in the Indian culture, we have this if you don't express the emotion in front of all children, when it comes to medical emotion, so the only time they ever see depends expressing emotions, they're shouting at each other. So that's that's the advantages to people living together, shouting at each other

Why would they want that? So, it's very important not just to discuss this, but to model this, we need to model this for children that marriage is something beautiful, and it's something that they must work for, it's something they should want for aspire for a life.

Right? Allah subhanho wa Taala in the Quran says that Allah has made business halal for you. And so in this, Allah has created as allowed a system that benefits all of society. Really, when Muslims engage in business in a way that is highly ethical, in a way that's free of corruption and bribery, and exploitation of the workers. When all the chevier requirements are met. It benefits everybody. Right? It benefits the customer, it benefits the businessman, it benefits the employees, it benefits the people. After that, you know, economies have the effect, the after effect, one person, whatever they do affects the next person. So when business is done properly, the Islamic way everybody

benefits. Now we live in a country, which has a lot of unemployment, a lot of poverty, a lot of exploitation. And sadly, the average Muslim businessman hasn't really modeled the system. If we model the system, we can help so many people, just setting up a good business. Just the amount of people you applied if you give employment to how many people you say for poverty like that. Now, we don't think of it that way. We think of business only terms of making money. Right? But really a Muslim should think of businesses benefiting society, giving people jobs, helping people's families out. It's all about the oma, it's not just about you. So this is another perspective to look at

business from that it's not about me. It's about benefiting others. And really the best businesses are those that benefit others. Actually, all the best businesses start they start from focusing on others not on yourself. So that's my stop. So for the second half, today, we look at the opposite end, what's the opposite end?

map setup? What's map setup?

hub is a synonym for data. Right? So in colloidal faqeer, we call the dollar in Kamikaze the Sharia we call it Masada. How

are the translations of Masada, evil, corruption, sin, immorality is always of translating the word map setup. So Islam prohibits all forms of masala. Right? This is a beautiful verse in the Quran. It's I can't remember the full verse right now. We're awash with a handle that says that. Who is it? That's making haram? The beautiful things of this world that Allah has, has created for himself which allow us to see to them Allah has only prohibited that which is immoral and that which is harmful Angeles about five or six things in reverse. Again, I have the full verse coming to mind right now, but it was very beautiful. Mother is saying in his verse, that who is making everything

haram Allah didn't make everything haram Allah only made harmful things Hara. So why are people making things haram? which Allah didn't make? And really, this becomes our principle when someone tells you this is haram.

I always ask why.

It was mentioned in the Quran, Hadith, Samia Wakanda is not mentioned in the Quran, Hadith need to show us what's harmful about it? Right. This is why, you know, many times when people come to us, you know, for example,

the TV series, right? on Netflix, people use her on a TV show called music. Because woman, like Yeah, but if you read the Musalia democracy, I mean, people watch this and watch all that other stuff, right? But then people today is like, Ha, just flat out. Again, it comes down to weighing the benefits and harms is it actually harming logic that like compared to everything else. So Mufasa refers to how Allah has only prohibited that which is harmful that we corrupted society.

And really, this is the definition of mob setup. Anything that corrupts society, or causes harm either to an individual or to society. And this is where a lot of people, a lot of the young people don't understand about Islam. People always ask what's the harm in it? Because when they think of harm, what they're thinking about individual harm, they are thinking about societal harm. So the classic example Xena, right? young people today say what's the harm it just two people doing something they enjoy together? That's the reading, okay? So you don't look at the societal harm, you only look at the individual pleasures. Our religion teaches us to focus on the broader picture, that

sometimes something may seem nice to an individual, but its effects on society are devastating. Right, the effects it has on society as a whole are devastating. And so one of the first thing we have to teach people is don't just think about yourself, think about the broader implications of this culture and how it affects all of society, then you begin to see the actual harms. And so when we talk about how we're not just talking about harm to you, harm

to anybody, if what you want to do in any way harms anyone else, right? Even if it's emotionally, even if it's spiritually as a Muslim, you have to think twice about doing it.

So, what's the harm in it? Well, we have to look at all these other things. And we'll discuss that in the next slide examples of the heart. So our Sharia was revealed to minimize and prevent harm that humans can live in peace and safety, ideally, in a proper Islamic country, Muslims and citizens, even the non Muslim citizens will feel safe, they will feel safe, because harm is minimized. Notice, I did not see harm is eliminated. I said harm is minimized. Why?

Because the elimination of harm completely from society is an unrealistic ideal. It's not possible. It's impossible to have a society when nobody steals, nobody murders, nobody does evil. There will always be one or two individuals doing something like that. But that's a huge step up from where we are today. Right. So what Islam does is it creates a system that minimize the harm. So why do we live in a society where murders take place every day, in a proper Islamic environment maybe once every 10 years? And it shocks the entire community? Right? Because the way our Sharia is designed is to minimize harm in society. But the Sharia also recognizes it's impossible to get rid of hobbled

together, some forms of harm are permissible.

They are permissible when there is a greater benefit in it. And that takes us to Matt two of the Maxim's that government is concept, right? Number one, sometimes a small harm is tolerated to prevent a greater harm. Sometimes a small harm is tolerated to prevent the great harm. What's this concept called in English? the lesser of two evils? Right, the lesser of two evils in Australia, it's called the lesser of two harms. The maximum is when they are two conflicting harms. Choose the lesser of two hearts. And this is a principle of our religion, that in life to be realistic, you are going to face situations where there is no win. Either way, someone's getting hurt. What do you do

in those situations? You choose the least harmful option?

And you choose the least harmful option? So for example,

okay, example on the next page.

But just to give you a general example of that

would be you know, divorce, as we knew, for example, the concept of divorce, why does Islam allow it?

Because there is harm that takes place, especially the children involved.

It's only allowed because it prevents a greater harm. If we had to do what the catholic church did and made it completely Herat. Can you imagine what happens if someone ends up in the wrong Vantage and abusive marriage or something and there is no way out. Now imagine the level of harm that causes to society. And so the the harms that come with a divorce are tolerated, because they prevent the greater harm. The other example of that when I was supposed to mention it slipped my mind was jihad. Again, there is harm. That's cause people are dying, people are killing each other. Right, but it's allowed to prevent a greater harm was the greater harm the Muslim being overrun and exterminate

them. Right, that's the sweet allow to prevent a greater harm.

Sometimes the individual harm is tolerated to prevent the public.

The classical examples of this are our punishments for criminal law.

Right, so individual harm, amputating the the hand of a thief executing a murderer. These are individual harms, there is obvious harm happening to an individual. Yeah. Why does our Sharia tolerated allow it? Because it prevents the public harm. It prevents murder and stealing from becoming rampant in society. So we'd rather see one murderer executed in 100 innocent people killed.

Right. So this is again, an individual harm is tolerated. Why? Because it prevents a property called examples of this. And this is the main example why I want to because we need to focus on today. The spread of Xena

the spread of Xena is a form of harm that threatens the preservation of honor and lineage.

You know, this is actually something that needs to be taught in Islamic sex education,

to 11 and 12 year olds, you just started that age. Because what you're going to ask your teenager is what's the harm and having a good friend? What's wrong with it?

So from the time you first teach them about this subject, you have to emphasize

The Muslim heart of marriage and the moxa of Xena that needs to be driven home. That Yes, the two acts are the same. But one leads to benefits for society and the other leads to harming society. So Can someone give me example? What's the opposite outcome to this?

One example. There's lots of ideas. There's lots of hops. Just one example we live in is in our culture. And to be frank, we live in Xena culture. That's our country. That's our society. It is in our culture. We see it all around us what harms Have you seen arising from this?

Okay, firstly, the STDs. That's number one, what else

is directly linked to the rise of divorce rates? It is directly linked people feel they now have more free access to do what they want is more temptation easier to fall into adults, it's easier for marriages to be broken. And then what does that lead to? broken homes? What do broken homes lead to children growing up without a father or without a mother? Right? What does that lead to? crime, drug addiction, you see how one thing is leading to another. And it's all directly linked to Xena, it's all directly linked us now you can find ways to show children and ever teenagers, you can focus on something even more personal to them. You know, people who wait until marriage will not go through

heartbreak, and all of the things related to that as teenagers. Because some of the most difficult things teenagers go through is getting a girlfriend a boyfriend, breaking up the heartbreak that follows the humiliation that follows the name calling that follows the shaming that follows.

Sometimes pregnancy may come from there, sometimes the STD makeup and sometimes whatever comes from that affects you for the rest of your life, to actually sit down to the 12 or 13 unit explain all of this to them, drives home the point of why they must stay away from Siena is not just a matter of

you know, someone was telling me today.

Someone told me today that her mother never had the talk with her. I say one What did you have to do she since she simply told me don't talk to boys. And that didn't work.

And you know that that's a problem we are, you know, we don't talk about these things. I mean, just telling someone don't talk to boys don't talk because that's a very impractical thing to say. Because the reality is, if you're going to school to go to university to get a job, you just go to the supermarket, you are going to interact with the opposite gender. And what I'd rather teach is how to be a gentleman how to lower your gaze, how to interact with the opposite gender with respect, right? these type of things should be taught instead of just don't talk to boys or don't talk to girls.

But the fact that parents aren't even having to talk with their children at all, and then they wonder, let's put it in the child's mind. Okay, let's put this into context.

In the olden days, by only that mean, right until just 100 years ago, when a child hits puberty, they used to get married. This is a fact of life. This is a fact of life not in Muslim society in every society. Like what is it Gandhi get married?

Who knows? 11.

Gandhi, Carnegie Mellon has 11 How long ago was that? One generation ago, when you guys were young, he passed away, right? for your business you one generation before you. So this is not something ancient This is just this past 100 years in history have been the only point in time in history where people don't get married when they hit puberty. Right. Instead, in the 1950s. marketing agencies in America wanting to sell more things came up with a new concept called teenagers. This would never existed before. Once a teenager, physically and adult mentally a child. So now our children go through a new phase from puberty until 18 or 20. They are physically adults. They are

islamically adults, but they are in society, children going to school. But Jesus has children by their parents, but they have the sexual desires of adults. And they are watching Netflix, they are watching TV, they're seeing sex everywhere. Let's be frank, that's the only thing you're seeing on TV. What do you think goes through their minds? How do they deal with this? what's what's the what's the solution here? Right? Because let's, you know, our society, what age do we expect our children to get married?

between 25 and 30? I know I mean, if someone hits puberty when they're 13. And the father only expects him to get married when he's 27. What do you think is going to happen for that period?

From 13 to 27. something bad's going to happen, either just being realistic. So, you know, firstly, without children, you have to sit down and have have the talk explain to them the Musleh of marriage. Explain to them the Mufasa dogs you know, explain

The importance of waiting until marriage with boys and girls with both, then as parents also we have to be realistic and find a way to, to meet them halfway. So in lots of families I know who are more concerned about this topic.

When their children are around the ages of 18 to 20, they have in the car performed between them and someone they like. They may not move in together straightaway, but then the car is

right, so that that pressure is gone, and that halaal is there. So for example, you have an 18 year old who's going to university, maybe she wants to become a psychiatrist, and is another practicing Muslim boy also want to bless he wants to become a psychiatrist. And they both like each other. There's absolutely nothing wrong with the parents having the niqab performed between them. And so they will carry on going to University studying after they graduate and moving together five or six years later. But during that period, you know, they have someone halaal in their lives, we have to start thinking like the new ideas. Because the idea of expecting them just to wait that whole

period, you're not giving them a solution. It has to be some kind of solution, it has to be some middle part where parents and children have to meet. And specifically now if you're a parent of a child, of a young man or woman that age, if your son and daughter is telling you I need to get married. And you tell him when you finish your studies, understand something your son or daughter is not going to tell you I need to get married on this What? Why would they ever bring that topic up with the parents, they need to get married is the most awkward thing to tell your parents, the only going to see that when it's like

it's like overpowering. Now if it doesn't happen at night, it's going to happen. So parents need to take that seriously when the child says that. So getting back to what I was saying about this topic, when you sit down to talk to your child about this, and as a teacher, when you teach children in school about this, it must come from a Muslim and mobster perspective. You must sit your child down and tell them Allah created automatically set up and he created How are Islam to be his spouse? Why did Allah do this because many of whom are meant to get married. This is our nature. Right? This is how the human race survives how we don't go extinct. Like you have to explain all of this. to them.

The benefits of marriage. Allah says, it creates love, it creates mercy. No children come from this. It leads to a dignified life and needs to be respected in society. All of these things the Muslim has of marriage must be mentioned. So from a young age, you know, okay, I'm going to hit puberty five or six ages after I'm going to get married. And during that period, I'm going to stay away from Xena, right and to assist this thing away from Xena pot. We talk about we talk about the STDs. We talk about the unwanted pregnancies, we talk about the dishonor, we talk about the sheep, we talk about what happens when people find out? No, because even though we live in a culture, which normal

people still shame each other over these things, that that's I mean, we hear so many stories happening where someone slipped up one day, and someone made a video of it and sent it via WhatsApp to all the person's friends and family. And for the rest of the life they may be astonished. These kinds of things, we have to discuss it because this is the only thing that's going to stop them.

They live in a culture where this is normal. And it's it's promoted at something good and we have to explain why it's evil and why they're upset I in it. So when the longer that topic because that's really the big one the important one to me.

But the other things, you know Riba.

Allah says he made business halaal and Riba haram Why? Because the modern banking system is a must add on to the economy. It causes harm. I mean, poor people, poor countries, take loans,

and then they can't pay back the loans plus interest and what happens? The poverty is just multiplied multiple times over. I mean, why do you think we have no chili

it's rebar,

rebar is linked to it, because if you look at the amount of money Escom is owing, plus interest, with even with our high electricity fees, they still compete with interest, because the interest levels are at that level. And this is every African country is dealing with something like this. Every country on this continent is dealing with some kind of rebar debt over them keeping the country poor

is not just individual, this whole country's whole economies. On the individual level, it's even worse. People literally are slaves to banks, today's we think slavery is over, but everyone's a slave to the bank. Whether your credit card with your mortgage, whatever it is, people are terrified of losing their job because what happens is they lose their job in the country to payments. So rebar is a corruption to the economy and an injustice to the

drugs. Drugs are prohibited because of the harm the cost to both the individual and their families. Alcohol is in the same category. This doesn't need explanation. All of us have seen the harm that these things cause to people.

All right, and an example of the opposite which already discussed, divorce is a type of mob saga that we allow because prohibiting it would lead to a greater mob setup. Right? And we don't have to look far for examples of that. The Roman Catholic Church is a perfect example of the greater mobsters cause by prohibiting divorce right? I mean, Kings had to invent entirely new churches to do it, it was the only way out. But this this is, this is really how surely as practical as sometimes Yes, something is harmful, but it's allowed because something even more harmful would happen if you don't allow it. So why do we learn this? What's the importance of knowing about Muslim Imam Salah?

Only begin with the Hadees

Kala Rasulullah sallallahu alayhi wa sallam Heroku and Falco Lynas. Right, the best of you is the most beneficial of you to all of humanity. Musleh is not just in the Sharia, it's it should be embodied in us. We should be people of benefit that our lives should benefit society, humanity should benefit from our existence. That was the Dow of the early Muslims.

You know the idea we have today of walking around handing out pamphlets about Islam having debates. All of this we learned from the Christians. That wasn't our method of early Muslims, what do they do?

They loved Islam, and they benefited whichever community they moved to. And that was enough to make people fall in love with Islam, isn't it to have public debates in the head person a pamphlet about what Islam says about this or that just being an embodiment of Islam was enough.

And so, when we talk about benefits, are we people of benefits are we people who benefit others and avoid harming others.

So just as we must be beneficial to humanity, we must do everything we can to avoid harming ourselves and others. This is a principle we must live by.

Do no harm. It should be a principle that we live by one of the five main Maxim's of fic da da da, da da da, do not harm yourself or anyone do not cause any form of power. This is one of the five main Maxim's of do not cause any form of power. This is a fundamental part of being a Muslim, a Muslim woman salema

Muslim woman, listen, you ad a Muslim is the one who other Muslims feel safe from his tongue in hand, meaning what? You don't have people, right? So we have to become people who are beneficial to humanity. And we don't have people like Muslim boxer is not just the Sharia. It's the people who follow the Sharia as well.

Another benefit of knowing this is it's easier to stay away from sin when you understand that

it's easier to avoid a sin when you understand the harm it causes. Like for example, it's very easy for most Muslims to avoid alcohol Why?

Why are fitrah we understand the harms that come with alcohol. But other things you need someone to explain to us things like Xena, we need someone to explain what our demand the opposite of it. And when you explain to someone you know so for example, it's important to take your kids and show them the effects of drugs to show them what smoking does to the to the to the lungs to show them the actual house because once someone sees it and it becomes a reality, they are far less likely to do it. Right so when we teach our children about halal and haram, when we focus on the Haram we must focus on the mcsa Why is it haram? What does it do to you what would happen if you commit a sin

likewise, there is more motivation to do good deeds when you are aware of the benefits when you are working towards the goals. I mean, if someone is just praying Salah because they have to pray Salah is not the same as someone who's praying salat, to increase the taqwa

is two different things if someone is fasting Ramadan because the whole family is fasting Ramadan is not the same as someone who's fasting Ramadan because they want to come out as a better Muslim. They have a goal working towards something right when you understand the benefits because these aren't just benefits these are more positive because it means what are your goals you have a goal you pay salaries a goal I'm praying so that because of this, I'm trying to achieve this. I'm fasting Ramadan so I can achieve that there is a goal that you're working towards, right.

And finally, in our everyday decisions, whether in business, whether in family, whether it's with your neighbors, whatever it is, in everything. Weigh every decision on a scale of Masada and masala and always make the decision which is most beneficial. So you will find in life, you will face many situations where every option someone's getting hurt. You have to choose the one that is least harmful. You

have to choose some time between benefiting yourself and benefiting the oma. Islam says in most of the cases focus on what society sacrifice yourself for society, right? The oma comes first.

And so if we understand these concepts, we can embody the Sharia better. We can print off with others, we can prevent harm. We can stay away from sin more easily. We can do good deeds more easily. And we have a process for making decisions based on the Sharia.

So with that, we come to the end of today's presentation, and open the floor to q&a Now, next week, we'll begin discussing the Douro react. So next, we will focus on the preservation of religion and life. What did the shadow actually say about that? And how does the Sharia achieve these two goals? How does it protect life in order to protect religion? And what are the exceptions to you know, and then the Maxim's governing all of that. With that being said, any questions, you have an 18 cover today, you can ask now, and we can discuss that for the remainder of today's session.

anyone have any questions? By the way, if someone wants to just write out the question to It's fine.

It's surprising that professors don't have this subject at all, at all.

But it's not a subject to teach.

I don't think this is something that people know right, the community wouldn't even know exists.

Discussing?

I think this is way too much of a fusion.

In Java, today, we're talking about

don't think we need to write. Yeah.

Second one you raise and that is all you have is elastic as well. And what specification

again, quite a nice way of making mention of the fact

that it's a fine difficulty communicating this

is taboo to talk about sexuality, the families.

Schools, I don't know how it was for that.

You know, it's coming from CSC is

a major

disruption.

Discussing

ESG

is quite,

you know, this whole issue we have in the Indian culture of not talking about this topic with our children. This doesn't come from the Indian culture. And this doesn't come from the Islamic culture. It actually comes from the British culture. When the British colonized the Muslim world, especially India, we learned the British prudish values, which they have abandoned. But we still held off to go before that. Islamic India when Islamic, Islamic, or even before the Hindu India, they were very open about these topics. And classical Muslims were very open about these topics. It was something that they would sit down and teach your children about and have very frank discussions with children

about I mean, Omar Raja Muto people teach your daughters should teach your daughters furano. What is turano? Don't komatsuna where he job lower Yogi's who are Yamaha drums, all of this is turano. So you're going to have discussions about these topics with your daughters when teaching them Serrano. And Omar said you must teach them. When you when you're close to the age of puberty, you have to teach us when we look at classical works, that are going to be for example,

you know, there are passages in Tafseer called to be if I had to translate them to English, it'd be that the books are that explicit. They are that explicit.

As duty or even more explicit, right? Because their culture was different. This culture we have a we don't talk about this topic at all. This is actually something that's foreign to Islam, and this has been very harmful for the past 100 years. We've been latching on to this culture, it has been very harmful. We are now probably in the third generation of Muslims are committing sin.

Now this let's be frank, there are people out there who committed Zina, and now their children are committing sin. And their children are going to think about committing Zina because it's becoming so normalized. And because no one talks about you and I said people will tell me this, my parents ever told me, You know, I dealt with another case where a boy hit puberty. And he only learned to hit puberty Two years later, because nobody spoke to him on that topic. Two years later, he's he's learning Islamic studies with a teacher and he's studying puberty in it. He's like, but this happened to me two years ago. I didn't know about it. Um, we're not preparing them for life. Right?

If you're if you're not going to talk about these things, and yes, it's awkward, but

It's it has to be done. And if we don't do it, again, the government's gonna do it. Netflix is going to do it, YouTube is going to do it. And you don't want them to learn from them because they're not going to learn Musleh how much data, they go into the freedom, sexual revolution, enjoy your huge experiment.

No shy being a girl for the day, that's when you think

I'm a boy, today, I'm gonna go tomorrow, whenever I feel non binary, they're gonna experiment with these things, unless you sit them down and you discuss it. Parents have to sit down the children and discuss these things with them. Allah created a man and a woman, that's what you are. You're either a man or a woman, and you created them for each other. And this is how the human race survives, you have to sit down and discuss these things. If we don't, this in our in our community is going to get worse and worse and worse, it's going to get worse. The only people who can actually help children overcome these topics are the parents. Because if appear, and the parents have to have a different

relationship with the children at that age, but they have to have someone you can talk to about the thoughts going through their mind about what society is saying, or what's going on in TV, what their school friends are saying. And what what whatever everybody's doing, they need to be able to talk about these things. Otherwise, you know, it's just going to get worse.

Yeah, we grew up in schools, where we sat next to girls, and it was anonymous, and

more likely than not, I mean, our parents very often very short dress. Right? But when you grow up to be sexual violence.

It's always

possible of our school lives for many years,

in touch, of course, directly on my suit

tonight, but really probably sexual perverts, or and then of course, we had guidance in school. So it's definite school.

Whatever.

Then we have the phenomenon now, and I'm sure many of us have friends family, who's even one, you know, girl looks at the way of ones in Islamic world schoolboy school in English homeschooling.

And obviously, there's a lot

there's a preponderance of Islamic literature available. And yet, we are seeing from conservative Muslim families, the amount of

pregnancies but certainly experimentation is going wrong.

Was that is a draw for us?

To figure out why.

Two things went wrong. First, the culture itself. The culture today is one way sex is everything. Even the ones in conservative homes have Netflix, they have YouTube, they have Pornhub, they have all these things. They have all these things, right? You Yes, you get cases where people find that Nickleby daughter is what is addicted to pornography. And that's the other thing besides the culture is pornography. When y'all were kids, there was no internet with free pornography.

Right? Yeah, but it wasn't free online. There, you could get caught, that you had to hide under the bed and sneak. Right now it's free. It's on this little brick, that nobody will even know someone's watching it. Right? People are exposed to that before they exposed to Islamic education. That thing is in their head. It's that it's completely caught all their thoughts before anyone sat in front and spoke to the inner workings. islamically the culture has completely radically changed. You know, just to give you an example, when we were kids, I'm generation younger than you when we were kids. You know, the idea of nudity on TV was still something bad. It was still something bad, right?

today. Everyone, even the practicing Muslim do a big deal as a posting on Facebook or at least a piece of Game of Thrones for nudity. They're posting about it. Nothing wrong

with it, but I'm seeing people suffer they say they say I watch it. He wants you to even watch it. Right? They don't even see it as wrong to be looking at nudity on TV. They don't see it as wrong and this is that this is a scary point. Our generation may have sneakily did haram things knowing it's haram then current generation don't even think it's

they don't see the harm in looking at nudity.

I mean, they've watched hardcore pornography for them, they viewed it on TVs, they don't call, they don't consider it monography, they can see the art, they can see it acting, they don't see the harm in it. So the culture is very, very different. This culture is so bad, it doesn't matter how conservative your home is, doesn't matter how, you know, your education system, it doesn't matter how your child dresses, they're going to be exposed to it. What matters is sitting them down at a young age, and really talking him through it. And for them to be able to discuss because again, because the culture has changed, the parenting has to change your generation, your pins didn't have

to talk to you about this, you know, back then the non Muslims of our community to were much more religious.

You know, I mean, you guys went to school, what before party then after that? Party time, obviously, right?

Yeah, so that's really a party thing. I mean, this is a very religious country back then. Right? It wasn't this freedom that we have today.

Our generation was a first generation poster party to the school things were still okay. But in those cultures, you could get away with not talking to your child about this. In the modern culture, we have to talk about it. And we have to talk about it from the perspective of benefits and harms. Because their main idea is they don't see the harm in looking at nudity. You don't see the harm in watching Game of Thrones, you don't see the harm of looking at pornography. You I've had young people tell me photography keeps me away from Xena. That's what they told me. They told me by De Luca, Naga moneda up sleeping with a woman. They don't see the harm in it. So who's talking to them

about these things? Now, who is bringing up these topics? Who's actually,

you know, showing them? What's the harm in because pornography is a drug. It has the same effects in your brain as other drugs. No one talks about this. No one tells the kids about this is literally an addiction that will mess up the brain for life. So the discussion has to be had with the current generation. We can't sit back that generation Yes, oh, hamdulillah. You grew up in a better time. Even sitting next to a girl. You knew your model. She knew her model, you grew up in a good Bustamante to have a good Christian or Hindu home. Everybody had the models, right? Nowadays, the way the television works, I mean, you know, the other day, I was looking at the shows for teenagers

on Netflix, and other shows where the other shows for teenagers. They legit all about sex, nothing else, just about teenagers having sex.

You know, you have more sex in the shoes of adults.

So teenagers watching that, and you think someone's Nickleby going to all girls school and becoming alima she's not exposed to that.

Probably sharing a friend's account, you apparently have a Netflix account? exposed? Oh, all these things. Right? So the discussion has to be had it's a completely different culture.

Any other questions or comments? Professor?

problems?

Turns

out sauce.

Yeah.

I think the boss was the mother son. So that is pretty much a basic, maybe just

the start

with

the basic thing. We've got basic fundamentals.

And now with the static schools,

the assumption is that the standard teacher to teach them not only knowledge, but also behavior.

So there's this huge,

I think this was

probably the main case was both.

So they're assuming that the school will do the job, and then suddenly, they realize things are wrong.

Because they don't want to deal

with this Washington is actually evolved in schools.

Now you hit the nail on the head. That's, that's really the big problem in our community, is that parenting nowadays simply means providing food, school fees, toys, games, money, holidays, partner education and therapy. All of that outsourced to the schools can expect the schools to do everything but human beings growing up need their parents emotionally. They need the parents to talk to the needy parents to answer questions that they might be unable to ask at school, or the school might even give them a wrong answer. Right. And children have to have a mean the relationship parents have their children has to be evolving to deal with these issues. I don't know how to solve this. I

honestly thought I was I didn't think about it. How do we change the mental

ality that is the school's job to educate my tribe, because that's the mentality of being in our community for multiple generations. Now. How do you change that?

I don't know, I honestly don't know, it's something we'll have to brainstorm and pick out together. But it is one of the main causes of this problem here is don't see it as a duty to talk to the children, you don't see the duty to advise your children, they don't even see the duty to be the role model to the children. Everything's the school's job in a nutshell. And once the child is 1516 years old, and they fall into a major sin, dig into a model to fix it. Right. They're the ones who actually play the role of a parent. And in classical Islamic world, the children's main teacher were the mother and father, the mother, the mother, mainly the mother, because we know staying at home

moms are more common. And the main job is to to mom is the therapy of children. But the father's played a very big role as well. I mean, when you hear the Sahaba and stuff and how they speak about the fathers, there's always that there's, you know, those educational moments really going out together. And, you know, in the ancient days, fathers would teach their sons How to Be a man,

how to provide for a family how to treat a woman, you know, they would take their son out and talk to them all these topics, this culture is gone, the culture is gone. They don't want his father's these, these want nothing to do with raising the children. So I don't know how to change it, I'll learn those bits, I really have no clue how to change.

Any other questions or comments?

wants to ignite must undergo a course. I love that idea. A lot of people have brought that idea out, you know, the sponsor, lots of companies have absolutely no idea what's going on.

And then suddenly, you know, the fish market?

Yeah, that's one of the reasons why you have such high divorce rate. So you know, you're the Catholic Church, you have to go through that program.

Unless, you know, you're competing with that. And we see this as a premarital counseling.

So I noticed

Yeah,

yeah, no,

divorce rate is highest. And you just can be down even 10%, it makes a big difference.

Right.

And

we don't, we don't do a marriage, we don't do it in a car, we don't sell

less than

before colloquium series, what you see is actually, there's been so many attempts to run marriage counseling, tendencies.

And that is,

okay.

But yet, you look at this idea of muscle and muscle, and writing document this, maybe it's an idea that we should explore. And I think one of the problems is when

you know, some of the costs, but then they work separately for for, for separating.

Together.

talk to you about

this is

your time to talk to each other, to share their ideas and see the compatible.

There's two things that need to change one, our education system, I really believe marriage, the right to the husband and wife how to be a good husband wife needs to be taught in high school. It should be taught in high school Islamic High School.

That's what I believe needs to be taught. Right? Because either after high school or getting married off to university, right, either way, it needs to be taught at that level. Or the other thing that needs to change over there is our ultra conservative culture of how you interpret the opposite gender, right? Because we have two extremes interpret if everything goes and we've got even our crooked eyes, right, because these two extremes and to find that balance middle part where you know,

you can find a way to make things work in the middle part. Again, there's way too many issues even bring up yet to discuss but you know, just the idea of the idea of a holiday. We are going to go to a public place her father comes word or maybe her brother comes with sits the separate table the in public, they're not touching the brothers idea to see and they have a discussion face to face and share ideas about what they will expect from a marriage. I think just that idea alone probably will get me lynched in this community.

Hang on

a sec that we discuss this.

People

generally, except for the upper middle class.

But generally

debt Yes, yeah. to just buy a home is becoming really, really difficult. If we look at, obviously the easiest attempt to

submit finance, I mean, it's it's very positive very good

when we look at it currently, the extent of security that you need is almost impossible for anyone that's true the lower ranks to actually make it to the next level. Another point you need to do that that is important to me. Again, I'm very critical about education system. One early our education system has failed is financial management, financial intelligence. We don't people how we don't teach people how to budget, we don't teach people how to save, we don't teach people how to invest. We don't teach people how to grow their money. We don't teach people how to live in what you have. Instead, we ate bombarded 24 hours by adverts by this on credit by this one loan by industry over 12

months by this bill for two years. But no one's teaching them how to say no to that how to live your life on a budget, how to stick to what you're earning. And also, I mean, this is one of the things I taught my kids homeschooling it I did a whole two year curriculum with a more financially intelligent financial management, Rich Dad, Poor Dad, all the things I taught it to them, right. And these kinds of things need to be taught in school. Right, these things have to be taught in school because you know, my generation I know you guys know this my generation, nobody saves money.

My generation don't have savings. The average person by age has zero savings. They don't know what the savings, they don't have any time to save even, they don't even think about a concept called retirement. for them. The idea of retirement is something you don't think about yet. There's no such thing as a retirement saving, why he grew up with zero financial education, and Financial Intelligence. So what's going to happen when my generation gets old,

we finished.

Education is a big step up, it makes a big difference.

I write Firstly, the rebar system combined with capitalism compared combined with the bribery and corruption everything in this country with the escalating prices of living, I mean, rent alone is like 20 grand in most places. Now, it's, it's impossible. But financial education will make some difference. The other difference is the overall system. And that's something that's not in our control.

I mean, how do we evolve the system?

in the banking

system?

It's so late. But yeah, the success stories of how he's brought people

and good people into Yeah, I know he

is by peer pressure. In other words, if you don't be alone, the community around you is going to

somehow overcome some financial institutions.

Is that its services, seven level classes. It's designed for the upper middle class, it's not designed for everybody else. If you look at what's going to happen from now, to see in the next maybe eight to 10 years, people's lives will become question because to buy a car, now education is going to become more expensive because because public schooling is

your hospital systems.

And I can see the kind of debt levels

and I think we need to solve those issues.

Even with the current system, we financed houses around the immediate real was with

families having challenges.

decision, I think I'm sure you all enjoyed the session.