WKXL - New Hampshire Talk Radio
Cail & Company LIVE with D.J. Bettencourt
Tuesday's show marked our weekly visit with the New Hampshire Insurance Department and we were joined by Insurance Commissioner D.J. Bettencourt. Commissioner Bettencourt outlined why we are currently in a "hardening" insurance market and why our premiums have been on the rise in recent months. Also Tuesday we discussed the potential sale of the Boston Celtics and the possibility that the price tag for the franchise could be over five-billion dollars.
- Duration:
- 44m
- Broadcast on:
- 02 Jul 2024
- Audio Format:
- mp3
(upbeat music) - Good Tuesday morning, it is Kail and Company Live here on WKXL, N-H-T-O-R-D-O.com. Great to have you with us. And we are presented as always by Northeast Delta Dental with individual and family plans designed to fit your lifestyle. Learn more and find your plan at Delta Dental coversme.com. Speaking of insurance. Our guest on today's installment with the New Hampshire Insurance Department is the commissioner, DJ Betancourt. Good morning, DJ. How are you today? - I am great, my friend. Good morning, happy 4th of July week. - Well, thank you so much. And a lot of people have the entire week off. And that's a great thing. We don't happen to, but that's okay. - Absolutely, it's good for New Hampshire's economy to be out there enjoying our beautiful mountains at lakes and having some vacation time. It's all good, yeah. - It is wonderful. And keep those people streaming in to the granite state. Now, I wanna ask you, DJ, is there any truth to the rumor that in your spare time these days, you're putting a group together to buy the Boston Celtics? Is there any truth to that? - Absolutely, we're passing the hat around the insurance department. We're gonna see how well we do. Depending on how short we fall, we may pass the hat around some of the other state agencies, but I'm cautiously optimistic but that everybody chipping in five, 10 bucks here across 10,000 state employees, we may be able to pull this off. - Well, there you go, there you go. So bring the hat over here to Redington Road and I'll put in a little contribution as well. But-- - Sounds good. - And anyway, Commissioner Bettencourt is here to talk about the hardening insurance markets and what people like us should do. And first of all, Commissioner Bettencourt, what is meant by the hardening of the insurance market and what should we do? - Sure, well, a couple of components there can. First is, as you and I have discussed before, generally speaking, the general public knows two things about insurance. The first is that they pay their premiums. They definitely know that. They definitely pay attention to that. And the second thing is that the policy itself is incredibly complex and it's hard to understand and when you have to deal with your insurance coverage, it typically means that something bad has happened. For example, you've gotten sick or you've wrecked the car or unfortunately if family members passed away and now you're trying to find that life insurance policy. People, natural psychology, human psychology, it's understandable. We don't like to think about the potential for bad things happening to us. And so we kind of put our insurance policy out of sight, out of mind and then all of a sudden we really, really need it. And now we're scrambling to understand a very complex document and it's just not the best frame of mind or time period to be trying to dive into that for the first time. But lately, we have been hearing from consumers who have been noticing that their premiums have been going up, particularly in their homeowners and auto insurance rates. And so they've had triggered that one aspect of insurance that they really, really do pay attention to. And so there is a bit of a hard market. That's a technical term in insurance. And during a hard market, insurers become more selective about the risks they're willing to cover. And policy holders as a result may find it more challenging and expensive to obtain insurance. And some of the features of a hard market include things like higher premium, stricter underwriting, reduced capacity, limited availability of certain types of coverage. And all of this has come about in this particular market over the course of the last two years or so because of some very unique characteristics that are taking place in our insurance market. Some of those things include inflation, which I think all of us can appreciate, high interest rates, supply chain disruptions. You know, the supply chain is obviously better than where it was during the COVID pandemic, but it's not back to pre-pandemic conditions. And then you have things like litigation costs. And most difficult to deal with are the catastrophic natural disaster events that are taking place in states like Florida, the Gulf Coast in California. All of this is coming together to bring about a very unique hard market that is going to take some time to straighten out, but it is obviously having an effect on New Hampshire consumers and their premiums. - Like so many other businesses, they're ebbs and flows in the insurance market. I mean, we have a hard market right now, as it's described, but is there possible, is there light at the end of the tunnel? But ultimately, we might come to a soft market again? - Absolutely, you know, market corrections are an inherent part of any economic cycle. And so hard markets, as you mentioned, typically follow soft markets. You know, the key here is, and I appreciate the fact that no one wants to be paying higher premiums. I know I certainly don't. But when you've got these factors that are taking place in the insurance market, we have to ensure that the insurance companies are adjusting their rates appropriately to ensure financial stability, solvency, and at the end of the day, most importantly, the ability to fulfill planes. As you know, the core of our department's mission is consumer protection. And I can't think of anything that speaks to that mission more than ensuring the insurance company has the ability to pay claims when people need them. And so yes, you know, we will come out of this hard market. When is kind of one of those questions like, what's the weather going to be tomorrow? If you ask five different weathermen, you're gonna get five different forecasts. But one of the things that I think is really important is that as regulators, we should seek to first do no harm to our competitive markets and to consumers as we don't wanna do anything that's going to prolong or worsen issues long-term for consumers. And look, while there are certainly pockets of a hard market in New Hampshire, New Hampshire is very lucky. We have advantages that other states do not. Our markets continue to be incredibly competitive. It's because we have a favorable regulatory environment in this state and we have a commitment to the free market system. And so as a result of that, our market remains robust and offers grain of status distinct advantages. As I said, it's compared to other states. We're not immune to the broader market forces, of course, but we continue to have hundreds of insurance companies writing auto insurance, homeowners insurance. Obviously, that's a great opportunity for consumers to get out there and shop their coverages. - And because the market is the way it is now, Commissioner Bettencourt, our insurers more selective about the risks they're willing to take to cover people and businesses? - Yes they are, yes they are. So as I mentioned before, they will start to bring forward some underwriting guidelines that are more restrictive. They're going to impose more stringent conditions and be more selective, as you said, about whom they ensure. They're gonna look at their risk profile. They're going to look at their risk exposure. They're gonna say, okay, we just had X number of billion dollar losses last year because the entire state of California caught on fire and a category for hurricane wiped out a good chunk of Florida and the Gulf Coast. I mean, I have this conversation with New Hampshire consumers all the time and I appreciate the fact that sometimes it's difficult for them to conceptualize the idea that these catastrophic events that are taking place in other states have an eventually a ripple effect here into New Hampshire. We like to think we're the captains of our own destiny here in New Hampshire. And to a large degree, I wish we were. I think our policy makers and our state leaders make a lot of great decisions, a lot of very, very good decisions, whereas other states track record is not quite as good as ours. Unfortunately with the insurance industry, everything is connected. It is connected nationwide. And when you're talking about reinsurance, you're talking about something that's connected internationally as well. And so unfortunately, while we don't have hurricanes here in New Hampshire or horrible wildfires, those events that are taking place elsewhere eventually affect New Hampshire because of the financial impact that it has on those insurance companies and the adjustments that they have to make in order to ensure that they're gonna stay solvent and pay claims. - Our guest on today's installment with the New Hampshire Insurance Department is the New Hampshire Insurance Commissioner at DJ Benton Court. And folks, if you have any questions regarding your insurance, the New Hampshire Insurance Department's Consumer Services Division is there to help. And you can contact them by emailing consumerservices@ins.nh.gov or by calling 800-852-3416. And you can learn more at nh.gov/insurance. Commissioner Benton Court, can you stay with us for a couple more minutes? - Absolutely. - All right, we have to take a quick break. Cale and Company continues on this Tuesday morning, right here, WKXL, nhchockradio.com, presented by Northeast Delta Dental, and we'll be right back. (upbeat music) (upbeat music) - Welcome back, Cale and Company Live here on WKXL, nhchockradio.com, presented by Northeast Delta Dental, and on the first Tuesday of each month, we chat with our good friends at the New Hampshire Insurance Department, and joining us on today's edition is the insurance commissioner at DJ Benton Court, and we're talking about the hardening insurance market, which we are going through right now. And DJ, I'm sure it comes as no surprise to you that most of us, I would say most of us, do not read our insurance policies from beginning to end. I would have to say it's a high percentage of people that don't do that, and some people have no idea, when it comes to a health plan or an auto insurance plan, they don't have any idea of what they are actually insured for. So what does the, for those of us who admittedly don't read these policies from start to finish, what does the New Hampshire Department of Insurance do to help those people navigate when they have insurance issues? - Sure, well, we are always here as a resource for consumers. We get approximately 6,000 calls that come into the New Hampshire Insurance Department every year, and all but about 55, so about 500 of those 6,000 calls are just folks who are calling because they've got a question about their insurance policy. They want to know what actual cash value is. They want to understand what explanation of benefits is. So only 500 of the calls that we get out of those 6,000 are actual formal complaints against their insurance company. The rest of them are just focused on education. And to be honest with you, and I don't want to get myself in too, too much trouble, but if you were to quiz me on the details of every insurance policy that my family and I have, I got to tell you, I don't know that I would necessarily do terribly well on that quiz. I don't know that I've gone through every single policy with a fine-tooth comb. One of the things we always encourage consumers to do is to work with an independent insurance agent who can sit down, really get to know you, get to know your family. If you're opening a small business, get to understand what kind of business you're looking to open, and they can make sure that you're properly insured for your particular dynamic and whatever your price point is. You know, one of the other things that we can work with you on and an independent insurance agent to work with you on, and it kind of ties into our discussion about the hard to hard-ish markets that we have in New Hampshire, is that educating yourself and taking a little bit of extra time to understand your policies and to understand your options can help you best navigate through a hard market to your financial advantage. So we encourage consumers to engage regularly with their, as I said, independent insurance agent to explore cost-saving measures such as discounts, adjusting deductibles and modifying driving habits that could potentially save you money while we work through some of the difficult dynamics that are going through the market that are driving up costs. The other thing we always say is to compare insurance coverages to identify the most favorable value and options. As I mentioned before, New Hampshire has hundreds of carriers who are offering auto and homeowners insurance, and they're competing in our market and they're offering coverages to consumers. The sooner should use that free market that we have in New Hampshire to shop around, to see who's offering the best coverage at the best price. The other thing, and this will be an opportunity in the future for us to talk about this, but on the homeowners side of things, consumers want to think about how they can enhance their property resiliency by upgrading to disaster resistant building materials and leveraging smart home safety devices to proactively mitigate potential damage. And then the other thing to consider are some other essential coverages like automatic inflation guard or ordinance and law coverage and extended replacement costs for enhanced financial protection for consumers. So these are all things that are particularly important to see if they are in your policy, see if you can get them added to your policy. They're good to protect you financially under any circumstance, but they're particularly helpful as we're dealing with this hard market. - You know, and I'm sure as you touched on, there are many more options out there insurance wise in terms of policies and the way a policy might be altered than many people realize. Many people just continue to renew the insurance that they've had for years and don't shop around, but I think as you pointed out, it would be wise to shop around because there are many alternatives out there. - Absolutely, we are lucky here in New Hampshire. I mean, we are a state of 1.36 million people. Population wise, we are a small state. And despite that, we have very robust markets. I mean, we are rightfully kind of unhappy frustrated with the fact that the market here in New Hampshire is hardening. A lot of those factors are outside of our control, which makes it even more frustrating. But despite our small size, and despite the fact that we're not completely immune to some of these larger dynamics in the market, we still have resilient and competitive markets. We still have a lot of carriers out there competing for business. And in a free market, when you have a lot of competitors out there, it's bringing down costs and increasing quality. I say this all the time, and sometimes it makes people a little bit uncomfortable, but it's true. People should start to think about their insurance coverages as they would any other commodity. You know, if you or I were in need of a new refrigerator or stove or kitchen appliance, we're not just going to walk into the first store that we come upon and buy whatever it is we need. No, we're gonna get on the internet. We're gonna take a look at who's offering what for the quality and the price that we're looking for. We're gonna contrast that to another store, another store, and then we're gonna see what Amazon's offering for discount. We're gonna be smart and we're going to utilize the tools that are at our disposal to make sure that we're getting the best price for ourselves and consumers here in New Hampshire have the ability to do that with their insurance coverages, and I strongly encourage them to do so. - And I think a time like this, when the market is hardening as you pointed out, that people are more likely to explore those alternatives. So, I mean, obviously there's a downside right now with rates going up, but it may encourage those, those of us who have not shopped around for a long time to seek the alternative. - Absolutely, there are things that are happening in this market that are outside of our control. We obviously cannot control the weather, we cannot control to a large degree things like inflation and supply chain, which obviously increase costs for consumers and for insurance companies. But as I said, there are things that are within our control that can help us better navigate and help us save some money than we otherwise would ordinarily be able to do by, like I said, getting out there and comparing coverages, getting out there and exploring those cost-saving measures, seeing what we can add on to our policies or things we can do to right-size our policies. If we've got coverages that perhaps we don't really need anymore given some of the changing circumstances in our lives. So a little bit of education, a little bit of work in this area can really be of great benefit to the consumer financially. - And this hardening of insurance is not just a local or even a national issue at this point. I mean, this is an international issue. - It really is, it really is. As I said, the market is trying to work through those big catastrophic storms that are happening across America and in other parts of the world, really. Those supply chain issues, the inflation issue is particularly problematic in the sense that it exerts widespread impact on repair costs and part shortages, which obviously results in increased expenses for insurers and consumers. Those supply chain issues have an effect on your ability to get the car part that you need from overseas, which is going to increase the cost to extend rental coverage. The cost of building supplies is obviously going to make the building of a home or the repair of a home more expensive. Those are hard things for any single individual consumer to control. But as I said, there are some things that we can do, that we can be proactive with, that can help us weather the storm until some of these larger macro issues are able to get worked out. - Well, Commissioner Bettencourt, we appreciate you taking the time today to explain some of the reasons why our premiums are going up these days. It's nothing that is within the control of the New Hampshire Department of Insurance, but we certainly appreciate you folks being around to guide us through all our insurance concerns and thanks so much for being with us today. - It is my pleasure, my friend. Thank you so much. - And maybe we'll see you sometime soon at Delta Dental Stadium. - Absolutely, I've already been several times this year. It's always a great day. - And of course, the Portland Sea Dogs coming in later this week with those top Red Sox prospects. So, DJ Bettencourt, we will talk soon. - Looking forward to it, be well and happy for it. - Same to you. - DJ Bettencourt, the New Hampshire Insurance Commissioner with us on our monthly insurance installment right here on Kale & Company Live at WKXL, nhtockradio.com. We are presented by Northeast Delta Dental. Kale & Company Live right here, WKXL, nhtockradio.com presented by Northeast Delta Dental. And every time I say that, I always think of like good friend Tom Raffio and Tom Kitty Ray will be here on Friday, the day after the 4th of July. And 4th of July, of course, lots of fireworks shows either on the 4th or before the 4th. And one of them that I'm looking forward to is the 1th of July at Delta Dental Stadium in Manchester. And the Fishercats are going to have fireworks after their games on the 4th, 5th and 6th of July. So looking forward to that. And if you are in Manchester, the Manchester City fireworks are going to go off on the 3rd of July, which would be tomorrow, tomorrow night at Arms Park in Manchester, the Manchester fireworks, and then fireworks on the 4th of July, the 5th and the 6th, following the New Hampshire Fishercats games against the Portland Sea Dogs. And the Sea Dogs are the AA affiliate of the Boston Red Sox and some of the Red Sox top prospects will be there for all the world to see. And also, Conker will be celebrating on Thursday, the 4th of July at Memorial Field. And that's always a great time with music, food, vendors starting at six o'clock, fireworks will go off at 9.30. And I don't think this is going to be a concern, but the rain date for the Concord fireworks would be July 5th. But right now, the weather is looking pretty good for the 4th of July. And we're very fortunate because that's not always the case. Now, yesterday marked the start of WKXL's new contest, which we lovingly call Vanity Insanity. I'm going to check right now with our executive producer, Andrew Gibson. Andrew, I don't believe we got a call yesterday. Did we concerning our plate? - We have not. - All right, well, we still have time. We still have a whole week to go. Our WKXL spotters are on the road looking for those clever and intriguing and engaging New Hampshire Vanity license plates of which there are many. And each Monday, we are going to identify a new New Hampshire Vanity plate. And if the owner of that plate calls us between 8 and 9 a.m. During that week at 6.03, 2.24, 14.50 and can identify that they are in fact, the owner of that plate, they will receive from a weed family automotive and Concord, a free conventional oil change for their synthetic blend oil in addition to a thorough checkup of their vehicle. Now, our first Vanity Insanity plate, which was announced yesterday is gut lost. G-O-T, L-O-S-T, gut lost. Now, if that is your plate, give us a call right now, 6.03, 2.24, 14.50. That plate, by the way, was spotted in Concord. And because of the 4th of July holiday, and many people off this week and maybe not tuning into the radio as much as they normally would, the owner of that plate will have until next Monday, July the 8th to claim their prize. Again, 6.03, 2.24, 14.50. And you can call in from now until Monday between 8 and 9 a.m. to claim your prize from WKXL and weed family automotive located at 124 store street in Concord. And we'll mention that plate every show this week, unless we have a winner, which would be very nice. Again, that plate that we're looking for, the owner of the plate is the gut lost, G-O-T-L-O-S-T. That is the plate. We're looking for the owner. G-O-T-L-O-S-T got lost. All right, but don't get lost. Stay with us right here at WKXL. Now, we in passing with insurance commissioner Bettencourt talked about the possibility of the Boston Celtics being on the market. They're up for sale. Can you believe that? Two weeks. This came, I think this came out of nowhere. The Boston Celtics majority ownership group led by Wick Grossbeck is planning to make the franchise available for sale. Grossbeck and his partner, Steve Paluyuca, led a group that purchased the team in 2002 for $360 million. And I remember, quite vividly, at the time, because how, and the Celtics weren't necessarily in the best of all spots. They weren't coming off a championship, in other words, at that time, and weren't really all that competitive at that time. They were kind of floundering, actually. They did go on to win a title in 2008, as everyone knows, but it did take a while. And people at the time said, "You're paying $360 million for that franchise?" Well, let me tell you. It was not deemed to be a very good investment then. It has now looked upon as an incredible investment. As since then, franchise valuations have skyrocketed. With the latest teams to sell controlling shares being the Phoenix Suns, which went for $4 billion, $4 billion. And the Milwaukee Bucks were sold recently for $3.5 billion. Now that's all well and good, but think about a team that is just coming off an NBA championship. They have their core players signed for many years to come. We mentioned in recent shows that Jason Tatum was going to sign the richest contract in NBA history. Well, that took place yesterday. Jason Tatum is now officially the highest paid player per year in the history of the NBA, and right behind him is his teammate, Jalen Brown. They both have very lucrative contracts, the top two contracts in the history of the NBA. So now, Wick Rosebeck made it clear yesterday that he is looking to sell the Boston Celtics and take care of his family for you would have to say generations and generations to come, because they will be sold somewhere I would have to think in the vicinity for about $5 billion. They will probably, when it's all said and done, set a record in terms of monetary value for a franchise in the NBA. Now, without question, I mean, it's a franchise with lots of history. They've won more championships than any team in NBA history. And it's just the Boston Celtics. I mean, the Celtics are the Yankees, let's say. I know I hate to bring that term up, but they are the Yankees of the NBA. They are the Green Bay Packers of the NBA, the Montreal Canadiens of the NBA. When you look at teams in other sports that are really, you know, have really won the most championships and are, you know, it's still to this day, very much, you know, envied by many people. So there will be no line of suitors for the Boston Celtics, that is for sure. And I believe the bidding will probably start between four and a half and $5 billion, given the fact that, you know, the Phoenix Suns sold for $4 billion, the Boston Celtics are going to sell for more than the Phoenix Suns. The only thing the Celtics lack, they have a terrific team, and all their core players are signed for years to come. The only thing they don't have of their own is their building. And I think with the next ownership that will take over the Boston Celtics, one of their goals will be to have a facility of their own where they control the dates. And right now the Boston Bruins own the TD Garden. But I think the Celtics want to put themselves in a situation where they control when they're going to play. And don't be surprised, don't be surprised if there would be casino ownership of some kind involved. Now, whether it be the win family of casinos that currently owns one in Boston or someone else coming in. But Massachusetts is open for casino business and don't be surprised if the next owners of the Boston Celtics will be involved in the casino business. Certainly not, don't rule it out. It's certainly within the realm of possibilities. So stay tuned for that. It's going to be an interesting ride. We'll take a break. Dale and Company continues right here, WKXL, NH talk radio.com. We are presented by Northeast Delta Dental. We shall return. Welcome back, Dale and Company live here on WKXL. NH talk radio.com, great to have you along with us. On this Tuesday morning, tomorrow, we will be chatting with Neil Levesque. And Neil is the executive director of the New Hampshire Institute of Politics at St. Anselm College. And yesterday, they released the results of their latest polling, which was conducted late last month between June 28th and the 29th. And we will be talking about the results of that polling tomorrow here on the show. But I'll give you a little bit of it right now, just a little capsule of you of what took place. I'm just reading from the text here of the results of that survey. And we're talking about President Biden and former President Trump. Both candidates are extremely, I'm just reading this verbatim. Both candidates are extremely unpopular. But former President Donald Trump is marginally more popular than his successor, President Joe Biden. Biden carries a favorable opinion among 39% of respondents to this survey against 59 unfavorable, 59% unfavorable. While Trump is viewed favorably by 42%, and unfavorably by 57%, Trump's marginal popularity edge translates into a slight ballot lead. If the election were held today, respondents to this survey would support Trump over Biden, 44% to 42%. Biden trails by two points on the ballot. Despite the Democratic Party carrying a narrow edge on registration over Republicans, 32% to 31%, party identification, 47% to 46%, and on the generic ballot, 46% to 43%. Biden leads among voters that dislike both candidates, 30% of respondents who have an unfavorable opinion of both currently support Biden, versus 13% that support Trump. However, more Democratic than Republican voters are bleeding off to independent candidates. 89% of Republicans have consolidated behind Trump while Biden garners only 82% of Democrats. Biden will need to firm up very liberal voters to win. He is currently getting only 67% of those identify as very liberal voters, while 15% report that they are unsure of whom they will vote for. Trump leads among the key middle. Trump enjoys the support of moderates, 44% to 38% on declared voters, 40% to 38% and swing voters, 39% to 21%. So some findings there, and you know, things are going to ebb and flow until election day in early November. And this was right in the wake. This survey was taken just after last week's debate between the president and the former president in Atlanta. And I think we all know how that went down. So well, we shall see what transpires. There will be other polls taken, but tomorrow we will discuss the results of this one with Neil Levesque, the executive director of the New Hampshire Institute of Politics at St. Anselm College. Well, as we've said before, nothing, nothing goes with the 4th of July, like a great cookout, fireworks, and in my opinion, baseball. And we here at WKXL, we can't give you a cookout, unfortunately, which we could, or fireworks display, although there will be one in our backyard tomorrow night at Memorial Field, I should say Thursday night. I don't want to confuse you. The fireworks in Concord are Thursday night, the 4th of July, Manchester tomorrow night. But right in our backyard here in Concord and Manchester. But we can give you a terrific 4th of July soundtrack. The nine greatest baseball songs of all time as compiled by WKXL, their listeners, and those who voted on my Facebook page. A baseball song to me is defined this way. It must either have the word baseball in the title or baseball be referred to in the song. So Neil Diamond doesn't count. Neil Diamond does not count. Does not count, sweet, I can't tell you. Andrew Gibson, how many people said sweet Caroline because the Red Sox played in the middle of the eighth inning at all the games at Fenway Park. But sweet Caroline is a song played at a baseball park, but it is not a quote unquote baseball song, at least in my opinion. And with this survey, that's the only opinion that counts. The other song, now the song I like that a team has played for years during their seventh inning stretch is the Baltimore Orioles who plays the John Denver Classic. Thank God I'm a country boy. And I'll tell you that really, that fires up the crowd every time. They started it back at the Old Memorial Stadium in Baltimore before Camden Yards came along. And the fans love it there, they're up on their feet stomping and clapping and you know, but for whatever reason, maybe people seem to love sweet Caroline at Fenway. And you know what happens, Andrew, especially if the Red Sox are a head by a wide margin or behind by a wide margin, people hang around for sweet Caroline in the middle of the eighth inning. And then if it's a lopsided game one way or the other, most of them leave, they wait for sweet Caroline. And then they head for the exits, but it's become very popular. And you know, it started when a member, the wife of a member of the Red Sox front office at the time, now this is back more than 20 years ago, had a daughter by the name of Caroline. And so after that took place that maybe the night that Caroline was born of the next day, whatever, the song was played for the first time and fans really took to it. And this was like 20 years ago. And they're doing it to this day at Fenway Park at every home game and fans seemed to love it. But it's not a baseball song. It's a song played at a baseball park. So tune in Thursday for a KLA company between 8 and 9 a.m. and the rebroadcast from 7 to 8 p.m. And you will hear the top nine baseball songs and I know there'll be arguments over them. People will disagree. That's why people do surveys and countdowns and that sort of thing because there's always a lot of disagreement. But it's the WK XL top nine. Let's put it that way. Celebrating birthdays today, Larry David. Larry David is 77 years old today. Lindsey Lohan is 38. You know, Andrew, that makes me feel old. That Lindsey Lohan is 38. - Honestly, I thought she was younger. - I did too. You always think of Lindsey Lohan as kind of like a troubled teenager. But she's 38, folks. Today, Margot Robbie. Barbie. And many other roles too, but I always think of Barbie. 34 today. Jerry Hall. Jerry Hall has been married to Mick Jagger. She was married to Mick Jagger for 22 years and more recently married to Rupert Murdoch, who she divorced. Or he divorced her in 2022, whatever. The King Richard Petty is 87, Brett the Hitman Hart from Wrestling fame is 67. And the twin brothers, Jose and Aussie Cansaco, 60 years old today. July 2nd, 2024. Which, by the way, is made in the USA. Today, if you buy something, they make sure it's made in the USA. And remember, folks, to always look on the bright side of life. Wanna thank you for tuning in today, thanks to the insurance commissioner, DJ Betancourt. Thank you all for listening. We have some great programming, just ahead, right here on WKXL, nh.radio.com, this show presented by Northeast Delta Dental. Have a great Tuesday, everybody. (upbeat music) (upbeat music) (upbeat music) (upbeat music)