ACUMA ONpoint
ACUMA ONpoint
People Helping People: The Heartbeat of Credit Union Mortgage Success
On this episode of the ONpoint Podcast, ACUMA President Peter Benjamin is joined by Yvonne Case, Director of Mortgage Sales from Texell Credit Union. Join us as Peter and Yvonne discuss advocacy for mortgage lending as a strategic imperative rather than just a necessary product offering. She challenges credit unions to increase awareness of their mortgage services year-round, noting that seasonality is no longer a factor and members will seek these services elsewhere if not prominently promoted. Her practical advice for gaining leadership buy-in focuses on the substantial non-interest income mortgages generate – particularly valuable as traditional fee income faces growing regulatory scrutiny.
Additionally, she discusses the transformative power of the Texas Credit Union Real Estate Network (CUREN). Under her leadership, this vital organization expanded from Dallas-Fort Worth to serve credit unions across the entire state, dramatically increasing participation and knowledge-sharing opportunities. "Not any one person knows everything," she emphasizes, highlighting how credit unions of all sizes benefit from collaborative networking.
Whether you're a seasoned mortgage professional or new to credit union lending, this episode delivers valuable insights on relationship-building, the power of collaborative networks and staying motivated through industry challenges. Listen now to discover how the credit union difference shines brightest when we work together to lift each other up.
Sponsored by Optimal Blue.
The views and opinions expressed in this podcast do not necessarily reflect the views or positions of Acuma, its board of directors, its management staff or its members. The podcast discussion presented is conversational in nature and for general information only.
Speaker 3:Hello, welcome back to the Don't Play Podcast, a series focused on sharing the stories of people who are making a positive impact in the credit union mortgage industry. I'm your host, Peter Benjamin. Before we get to our episode, just a quick word from our sponsor.
Speaker 4:Optimal Blue effectively bridges primary and secondary mortgage markets to deliver the industry's only end-to-end capital markets platform. The company helps credit unions of all sizes deliver from your experiences to members pursuing the dream of home ownership. Through innovative technology, a network of interconnectivity, rich data, insights and expertise gathered over more than 20 years, optimal Blue is an experienced partner that, in any market, allows credit unions to optimize their advantage, from pricing accuracy to margin protection and every step in between. To learn more, visit OptimalBluecom.
Speaker 3:Today I am joined by Yvonne Case, director of Mortgage Sales with Texel Credit Union. Yvonne, how are you doing today?
Speaker 2:Hey, peter, I'm doing great, excited to be here.
Speaker 3:That is fantastic. I am thrilled that you're here and I am absolutely pumped that we are the first podcast that you've ever been on, are the first podcast that you've ever been on. This. I feel blessed that that that we get to be the one that it kind of breaks you into the podcast experience. We'll be gentle, I promise Now. Well, I appreciate that, peter. No, of course, of course. Now, yvonne, over the years I've gotten a chance to know you and I've been truly impressed with everything that you've done with the Texas Curin and your demeanor and how people flock to you. I want to dive into that conversation a bit more, but before we do, as always, I need to pull Justin in and get a quick update on the latest and greatest happening over at Acuma. So, hawk, how are you doing today and please tell us what is happening over at Acuma.
Speaker 5:I'm good, Peter. How are you Living the dream? I know. Can you believe it? We are one week away from our first in-person event of the year, the Viewpoint Regional Summit on April 8th and 9th in Pensacola.
Speaker 3:I cannot believe it. Come on See what I did there. I know man.
Speaker 5:See what I did there.
Speaker 3:You liked it.
Speaker 5:It was okay.
Speaker 5:I know I'm a little raspy. I got to get my my, my, my Wahoo voice going and I feel, I feel like the spring allergies are hitting you right now. They are very badly. I had watery eyes all weekend.
Speaker 5:This year we're going to not only take in the educational sessions but we're also going to have an experience at the Blue Wahoos minor league baseball game Bread, networking, reception and lots of cheering. And yes, there will be cheering because hopefully it'll be the only time I ever root for the Florida team to win, but it will be a time I root for a Florida team to win. Anyways, I have to digress. Anyways, registration is open for our folk point workshops, like in years past, similar content and format, just in two different cities, two different locations. So we'll be in Savannah, georgia, from May 6th and 7th and Seattle, washington, from June 3rd to 4th. So if you haven't registered, there's still plenty of time. Head over to the Hackamy website and register for those two events. Lastly, our biggest event of the year, the Make your Mark Annual Conference, is set for September 21st to the 24th in Denver, colorado. Registration is opening very soon. So stay tuned. That's the biggest hand I can give you.
Speaker 3:I was hoping. I was hoping you were going to hint at it.
Speaker 5:Yeah, very soon. Like this month. Yeah, this month soon. We're down to the week's number countdown. Like this month. Yeah, this month soon. Um, we're we're down to the week's number countdown at this point. So, uh, we've been putting in a lot of work. Peter has an amazing agenda built out. Um, uh, our sponsors are lined up. I mean, everybody's ready to rock and roll for that annual event this year and it's just going to be awesome and there's going to be a special treat. There's always special treats, I know, but do we want to tell people, no, there's going to be a special treat. So you got to pay really good close attention to that agenda. There are things you are not going to want to miss. I agree.
Speaker 3:But if we focus on the actual content I know I say it every year, but I actually mean it this year. You meant it last year too. I didn't mean it this year. You meant it last year too. I didn't mean it last year too, but, hands down, by far this is the best agenda, that that we put together hands down. Um, I don't know what it was, I I think it was just I, I ate my Wheaties or something like that, and I did something right when I sat down to put together this agenda. It's, this is the best agenda, that that that we put together hands down. And I guess this is what number four for us, this will be number four.
Speaker 5:number four I guess.
Speaker 3:So in the past we'll make number fours is so far looking like the best agenda that we, that we put that we put together so really excited. Um, I can't believe it's just weeks away till registration is opening I know I neither can I.
Speaker 5:I I joke with people all the time that we live six months ahead of everybody else, but but hopefully that's not a precursor to life longevity. Anyways, if you're not able to join us at any of our in-person events, don't worry. We have plenty of educational stuff going on year round. So we have our fast track and inside track webinar series. Those are happening on a monthly basis, just about every two weeks apart. So head over to the Acuma website to hear all the greatest upcoming webinars and then, if you can't make a webinar, we always have the On Point podcast, which keep the learning going all year round. All right, appreciate it.
Speaker 3:All right, justin. Thank you very much. All right, yvonne, back to you, yvonne, yvonne, yvonne. So the Atomism Point podcast, you know, started off as this crazy idea that I had to tell the stories of people who make a positive impact in the credit union mortgage industry, and I said that in my intro and you heard it, my intro, and you heard it, and you know, there are very few people one that I think who have made such a long-term impact in our industry like you. I mean, you have been in our industry and I mean this in a very positive way for a long time and you continue to make a very positive impact in our industry through the Texas Curin, a very large Curin, which has a state that has a lot of credit unions and a Curin that has a lot of members. If I remember correctly, you are the chair of that board, correct?
Speaker 2:Yes, I am the president standing and have been for the last 12 years.
Speaker 3:There you go, see if you're doing something right. They don't kick you out, but you make a significant impact. And so for those who don't know you, for the very few people who do not know you and the reason why I kind of had that long-winded intro, you know this I think it's important for us to kind of say you know, let people know who you are, because that that's the most important fundamental thing about this podcast. Right? The big question, the number one question, is you know who is Yvonne Case? I think that's where that's our starting point in any podcast that we have is who are you? So who's Yvonne Case? Walk us through that.
Speaker 2:Yeah, of course, peter. Well, I want to start off by saying I'm a wife and mother of three, and the reason I say that is because family is at the heart of everything I do and they give me the strength and motivation to balance both my personal and professional lives. I've spent my entire mortgage career 24 years in the credit union world. I never knew mortgage outside of credit union, so credit unions is what I know in mortgage lending and I knew early on that I had a passion for what I was doing. I realized early in my career that my personal values, like integrity, my community focus and the deep commitment to helping others, were perfectly in line with the mission of credit unions. The deep commitment to helping others were perfectly in line with the mission of credit unions. It's not just about making loans. While that's great and it brings us money, it's about building lasting relationships and supporting individuals and families in ways that empower them for the long term.
Speaker 2:Over the years, I've worn many hats. I started originating, processing just home equity loans, and then I went on to originate mortgage loans. I was a product manager trainer for our team during our growth spurt, I did sales management and now I'm director of mortgage sales here at TechSell. You know holding multiple roles, the roles throughout the year or through my career. There were many of times I questioned myself and wondered if I could be truly successful in what I was doing.
Speaker 2:I was fortunate to work with an incredible leader, someone who pushed me, she believed in me and always encouraged me to challenge myself, believed in me and always encouraged me to challenge myself, and because of her support, I was always willing to try.
Speaker 2:While being scared, I tried and I did whatever she needed or asked of me, which is why I did hold so many different roles in the credit union world. But that experience shaped who I am today as a leader. And now my greatest passion is for developing people, helping them grow, believe in themselves and push beyond their own limit. I want those that I lead to feel the same kind of support and encouragement that I was given throughout my career. And, peter, that passion actually extends beyond my immediate team. I believe in the power of the credit union movement people helping people and I feel strongly that we should all be lifting each other up. That's why I've been involved with the Texas Curant at some capacity for nearly 20 years, bringing credit unions together to help credit union professionals learn, grow and succeed together. That's very important to me, and so that kind of sums up who Yvonne is.
Speaker 3:Okay, I love it. I love it All, right. So you know you, you kind of started down a path of what, which was my next question, right, you know the that, the Texas Karen. Right, and I don't want to spend the whole time on the Texas curing because, but I think it's you mentioned in our pre-recording, you know exchange of emails, how important you know the Texas curing is in your career and your journey and really your life, right, and you know, in everything you just said, you know I, I heard it in your voice and I heard it in the way you just expressed the passion for one art industry, but the desire to really want to move others forward, I guess, is that why you stay so heavily involved in the cure.
Speaker 3:It's just to find a better path forward, to help others succeed. And knowing that, hey, we don't do everything right, I mean the Kardashians, I mean you know it, I mean, big or small, we don't always do the right way but if you could help in some way, shape or form, you're going to, is that why you stay so heavily involved in the Texas Curran?
Speaker 2:Absolutely. You know, throughout my years being involved with the Texas Curran, you know there were many of years where I was with a much larger credit union and participating in the Texas current, I could bring a lot of value for the smaller credit unions that were just trying to build different products and, you know, grow their mortgage programs. But I also learned from the smaller credit unions because none of us are doing 100% of what we do right and we learn from our mistakes, our you know, our trials and and just trying different products and how we utilize our processes and our resources, our people. And you know what I learned very early on is not every, not any one person knows everything and that by coming together with other credit unions that are same-minded could help me just as much as I could help them. And having that support group for me was very important, especially in my early years. But as time went on I saw the difference that Karen was making in the Texas credit unions. Altogether We've grown significantly because I do believe that when we do, when we come together quarterly, we bring so much value to what the credit unions need.
Speaker 2:And it's not just the educational pieces, peter, it's also just the collaboration we always make time for networking in between our sessions so that people can truly talk to each other.
Speaker 2:It's not just let me show up and get the education piece and leave. It's about the collaboration and then leaving there and knowing that, hey, I can email another credit union to talk to them about. Hey, what are y'all doing for your comp? Have you made any updates to your programs? Or to how you're paying your loan officers? Or you know what is the market doing in your area and what are y'all doing to adjust to that. So having that collaboration with the credit unions that participate has been wonderful and I know that I don't I'm not the only one that sees that and so it's been very important for me to make sure that we continue down that path, to have that as a resource, because, kind of as I said in my introduction, it's not just about the development of my own team and the people that I work directly with. It's about helping the movement and helping others, anyone that I can help, and I know that's how the rest of the CURIN board feels as well.
Speaker 3:And I agree with you. I mean, I think that's the importance of the CURINs right, and the more localized and regional approach to supporting the credit union movement. Right, and because not every credit union has the means and the ability to attend Acuna or ACU or MBA or keep going or a league, even right, it's just not possible, right, whereas oftentimes a curing can be free and or a cure and can be at their facilities or down the street or you name it. I can just go down this laundry list of places that the kareans are just more accessible or easily accessible. But it also establishes a network of peers that are in their backyard that want to support them.
Speaker 3:And I think that's the best part about the Kierans is that, yes, mortgage is national. You and I both know that. Something that happens in Texas, you know it's very similar to something that may happen in Washington DC from a general mortgage standpoint, right, but lending in Texas is different, and so having that network of Texas credit unions that understand how to lend in Texas is pretty important. Same thing would be just like lending in the DC area. Having that network of DC area credit unions is pretty important. And so I think that's the best part about the curants because you want to have that local network in your back pocket. I can tell you the number of times when I was in the head of a mortgage division for a credit union, the number of times I would call friends that I met at the Potomac Curan and say, hey, I have this issue or I'm trying to develop this program, help me problem solve it Right. And they would, yeah, would yeah, you know it's.
Speaker 3:I think, yes, I, I. I didn't utilize acumen quite a bit. I did use, you know, other resources, but it was, it was curans that really helped me.
Speaker 2:That's the best part, that localized support yeah, I, I, I, 100, feel the same way so you know, as you think about you know your time as president.
Speaker 3:I, since I mean you've been president of the texas curan for 12 years now. You know what's been your favorite moment as president.
Speaker 2:I'd have to say my favorite moment was when we expanded from having the meetings only in the Dallas-Fort Worth area to Austin. So when I started attending current meetings, I actually found out about the Texas Current at the yearly ACUMA event, at an ACUBA at the yearly ACUBA event At that particular time it was in San Antonio. They alternated the meetings throughout the United States and the meeting was in San Antonio, so it was just down the street from us and I actually found out about the CURIN, the Texas CURIN at that event and I'm like, oh my gosh, it's just in Dallas. I want to be a part of that. So I attended. I was really the only person outside of the Dallas-Fort Worth area to be there. We were in an American Airlines conference room and it probably seated 20 people at the most but we were squeezing in like 25 people. And so the first probably two years that I was involved with the Texas Current, we kind of went into that room and squeezed in and I would go to the quarterly meetings.
Speaker 2:Well, as I got involved with the board, got involved with the board, I asked the question why would we just stay in Dallas? Texas is huge. If we spread a little bit, maybe we could get more participation from credit unions. So thankfully they listened and we had our first meeting in Austin and then it expanded to San Antonio and then to Houston. So then we started alternating quarterly. We went from, you know, dallas, austin, houston and San Antonio and I'd have to say that was my favorite time was when we actually went in Texas throughout every region, because we were then able to expand. Because, you know, with most credit unions some mortgage divisions only have three employees. Well, if you lose one headcount for a full day to go to a current meeting, you're not going to be able to justify it. So if you bring it regionally to where the credit unions are, it's a lot easier to get them to step away, for, you know, four to five hours than a full day. So it definitely helped increase our credit union participation by going to the different regions.
Speaker 3:No, I mean it's smart. I mean Texas is not small. So one, I am one city away from hitting the cycle in Texas, so thank you. One, thank you very much for always inviting me to speak at the Texas Curren, so thank you very much for that.
Speaker 2:Well, yes, we draw a big crowd when you come, Peter. You just have to know that. Thank you very much for that. Well, yeah, we, we, we, we draw a big crowd when you come, peter. You just have to know that.
Speaker 3:Thank you very much. I think Dallas is the only one I'm missing at this point in time, so I'm going to El Paso. What in May?
Speaker 2:May yeah.
Speaker 3:So I've done San Antonio, I've done Austin, I'm going to El Paso. I think Dallas is the last one until I get the cycle. But I just learned that you know, el Paso is a two and a half hour flight from Dallas. And the funny thing is I just learned I lived in Dallas for almost five years and I never went to El Paso, so I just learned how big the state is when it's when you have that large, that long of a flight From Dallas to El Paso and there's no stops. I know right, the state is when it's when you have that large, that long of a flight from dallas to el paso and there's no stops.
Speaker 3:I know, right, that's long, that's a long flight. Um, all right, so pivoting away from the texas curing. So you, you talk about the credit union and we talk about the credit credit union movement a lot on this podcast. You know we talk about the credit union movement and we talk about the credit credit union movement a lot on this podcast. You know we talk about the credit union movement a lot in webinars and at our conferences, and you attend our conferences. I mean, this is the regular part of our regular conversation, something that we ongoingly reference as something that we, as credit union leaders, need to improve upon, things that we have to continue to talk about.
Speaker 3:So this next series of questions is really focused on that. So, in your opinion, as someone who's really seen the highs and lows, the trials, the tribulations you name it the positives what do we need to do, from your opinion, to move the credit union movement forward? Because I think, ultimately, we're all vested in this. We all want to be successful, we all care about our members, but I think you have to agree with me Oftentimes we get stuck in a rut and we are not moving this thing forward, we're not steering this ship. What's the unabashed Yvonne case, how do we move this moving forward?
Speaker 2:I think it all falls to awareness, the. You know, while we all market mortgages somewhat, it's not where it needs to be for our communities to really truly know that we offer mortgages. So it's about getting the awareness out there and when it comes to mortgage lending, it has to go beyond just your membership. But there is a lot of opportunity with just our membership. So we can't lose sight of that opportunity with just our membership. So we can't lose sight of that. And that means making sure that our branches are sharing the awareness with our membership and that we're making sure that on our website it says we offer mortgages. But also, you know, we're all hiring loan officers nowadays that are more outside sales type loan officers and having them go out and share that we offer mortgages.
Speaker 2:Partner with realtors and make sure that the realtors know that we offer mortgages. We're not just a home equity provider. We can truly help their client with any mortgage product that they need, anything from a conventional to FHA, va loan, down payment assistance, you name it. We can help them with any product. As much as I wish I could say that we've been doing this long enough that realtors should know this. They don't, they still don't and they still kind of dismiss us. So and that's one of the focuses I've had with my team is getting them out there networking a lot more, making sure that they are talking that TechSell offers mortgage lending and that we can help them with any option that they're looking for, that their clients are needing, and to at least give us the opportunity. But it truly, I think, goes back to the awareness that we make sure our communities know that we offer mortgages.
Speaker 3:No, I mean, I love that because it's that is the response that we often get when asked that question. The continued discussion of we do mortgages and I think you can agree that the seasonality of mortgages is gone right. There's no such thing as mortgages in the summer. It's now purchase season. That's gone. That went away with the pandemic. It really started in what 2006, 2007. It definitely went away with the pandemic, 100% went away with the pandemic. Now it's mortgages year-round, purchases year-round. So if you're not talking about your mortgage department year-round, you're missing the boat. Now, if you're not invested in mortgage, whether it's technology or marketing strategies or some type of retention strategy when rates do drop, you're already behind. Or if you're not already focused on your portfolio, someone else already is, and it's not you. I'll just say that because there's enough technology out there that allows people to monitor your portfolio behind your back.
Speaker 2:Yeah, this is a true statement.
Speaker 3:So if you're not invested in ways to stay ahead of that, your members are out the door. So, unfortunately, you know, too many credit unions are investing in indirect auto loans or consumer loan products. And, yeah, they're quick, they're easy, they have a high weighted average coupon, they don't impact the portfolio all that much. But when it boils down to it, oh, and they also view, you know, mortgage as a necessary evil. Right, and this is me talking, not you. So if anyone's gonna get in trouble, it's gonna be me. You're just shaking your head. Yes, she's not shaking her head, yes, but I'm um, but it's the truth there. Mortgage is just that necessary evil that you have to have to say you have a complete product, this suite of products. So I'll get off my soapbox, as you can tell, I'm very passionate about this. But anyways, I agree with you you can't stop talking about mortgage, you can't. It has to be an everyday conversation.
Speaker 3:If you were Last question, and then we'll start pivoting, okay, well, last question, and it's really going to be if you were to give advice to any credit union who was struggling, because you've had success. You seem to work for credit unions that care about mortgage, which I think is a huge. It's a testament to you. It's also a testament to the credit unions that you work for. If you were to give advice to a credit union who is struggling to get their chiefs or their board to buy into this idea of mortgage, what would be that one advice Like this is how you get them to buy into the idea. What would that one advice be?
Speaker 2:Oh, wow.
Speaker 3:I know right, I threw that curveball at you. I'm sorry, I wasn't trying to trip you up, but I had to.
Speaker 2:I guess that one bit of advice would be Well. So one of the things I've learned through and this is when we back years ago, when I was a product manager and I was, you know, going out and talking to different credit unions about helping them with, you know, starting up a mortgage division, and one of the things I recognized is a lot of the senior leadership doesn't recognize anything needs to be fixed. The mindset is nothing's broken, so why change anything? Right, there's nothing to fix. They don't know what they don't know.
Speaker 2:So I think the key is somehow getting them to just listen, and that has to probably come from an upper level. It's not going to be a lower level management. It probably does need to come from a VP of mortgage which, by the way, if you're smaller, you don't have that. But there's so much opportunity to bring income to a credit union and I think if you maybe can have a conversation with your senior level leadership and help them understand that just the non-interest income that you can bring in will help the organization as a whole. And so the best advice would be just keep at it and keep trying to get into the ears of your senior leadership team to listen to what bringing mortgages would truly bring to your organization and your membership, because, at the end of the day, if you don't offer mortgage lending, you're letting your members walk away and go somewhere else, and so it's that sticky product that keeps your member there with you.
Speaker 3:I mean you said it right. I mean and I agree and I like that you brought up, you know, non-interest income. You know, especially, as you know NSF fees are. You know really credit unions are being targeted for NSF fees, you know as a big advocacy thing. You know, having that non-interest income which could be a big chunk of change for a mortgage interest income which could be a big chunk of change for a mortgage.
Speaker 3:It's a good offset, right Huge offset. Think about it, especially in the some of the larger dollar amounts. So thank you very much. All right, real, final question, and this is a question I ask everybody. So we started off with you know, know, yvonne is you know it's really on on the flip side of that is what keeps you going right. You're just like everyone else, one foot out of bed to start the day. What keeps you on, what keeps you motivated, what keeps you driving to push forward every single day, no matter what?
Speaker 2:Well, it's a mix of two things it's my passion for what I do and my passion for my family. So, professionally, I'm driven by the impact my work can have, whether it's on my team, the projects I'm doing or the larger community. I get a lot of fulfillment from seeing things come to life and knowing that my contributions are making a difference. But, at the same time, my family is a bedrock of everything I do. They're my biggest supporters and provide me with the strength and inspiration to keep going, especially when things get challenging, which we know that in the mortgage world, that happens all the time. So knowing that I'm creating something meaningful, both at work and at home, gives me the sense of balance and the purpose to keep moving forward every day.
Speaker 3:Absolutely love it. Love the family response. That's fantastic. Thank you very much, all right. Well, it's now time for us to transition to the second segment of our podcast, and this is sometimes where we do, you know, fun facts. This is sometimes when we play Jeopardy. Sometimes we do the most requested segment of dad jokes. But here, this time around, we're going to do Jeopardy Now for you. You know, admittedly I struggled with this a bit Because here we are, you know, early part of April, so I decided to do April Jeopardy. Now, I don't really know how this is going to be. This is either going to be really horrible or really good, so I don't really know. So bear with me, while I bring in my Jeopardy board, let me make sure it's on the right screen. I'm going to go ahead and share my screen. Bear with me one second. Here it comes.
Speaker 3:Share, share, share, all right let me blow it up okay, let me move you off to the side, all right, so, like I always do, let me go ahead and explain what. What's right in front of me? Uh, because obviously this is all audio. Uh, in front of me is your standard Jeopardy looking board, five categories ranging, with scores ranging anywhere from 100 to 500. The five categories are Let it Rain Short and Sweet Name, that Brand, the Way Back Machine and birthday, april, baby.
Speaker 3:Now, for the sake of this, yvonne, you are team one, justin, you are team two. Now a couple of things. Yvonne, you do not have to answer who or what is, or, et cetera, et cetera, et cetera. You just, if you know the answer, just spit it out. Um, also, I again I want to remind you I did not make up this, this board. I just Googled April jeopardy, uh, so I have no idea what these answers are. Um, I kind of forgot that we were doing jeopardy. I kind of came prepared for dad jokes, um, but then I looked at the grid uh, two minutes before we started recording, I was like, oops, we're doing jeopardy today. So I quickly just googled jeopardy, um, and so here we are. This is gonna be fun and exciting. Uh, justin's really bad at jeopardy. So this is gonna be awesome, really fun to laugh at justin um a couple other things. Only it weren't true. It's really true. There he is. Yes, everyone. Justin is still here. He just was just hanging in the background.
Speaker 5:I was just taking it in.
Speaker 3:You're just drinking it all in, brother, yeah, um, there you go. Great session, that's right. Um, what else if decide to steal? I am a vicious scorer, so if you get it wrong, I'm takeaway points. Also, if I know that you're wrong, I'm just going to go ahead and take away points immediately, not anyone. Let anyone else steal, justin. Well, I think that's about it All right. So, yvonne, since you are the honored guest, you get to go first and, by the way, sometimes the 500s are really really really hard and sometimes they are really really really stupid easy. So it's totally a gamble, so up to you.
Speaker 5:I like how you said stupid easy. I don't know if that was an insult directed at me. Again, I did have a 500 question.
Speaker 3:That was like really easy though you did it was great, I think, like the answer was like Monday or something like that.
Speaker 5:I was like yeah, it was one word, but I remember too all right go okay, so I will try name that brand at 500.
Speaker 3:Name that brand for 500. By the way, it's not like Justin Steeles or something like that, like you just answer it. Okay, all right. So this side, this side dish, was known as the San Francisco treat. This side dish was known as the San Francisco treat, the side dish was known as the San Francisco treat Rice-a-roni. Good answer. The correct answer is what is rice-a-roni? Oh yeah, definitely going to lose. Good answer, Yvonne.
Speaker 5:alright, this is the Titanic all over again.
Speaker 3:That's how that started too this is the Titanic all over again.
Speaker 5:Alright, justin, we're gonna go with short and sweet for 300 short and sweet for 300.
Speaker 3:Short and sweet for 300. Pda, pda. Pda stood for something your parents never wanted to see you do when you were out on a date as a teenager public display of affection the correct answer is what is public display of affection? Good job.
Speaker 5:Justin, thank you, I'm on the board. Okay, let's go with.
Speaker 2:I'm on the board. Okay, let's go with short and sweet 500.
Speaker 3:Short and sweet for 500. If you travel to Canada, you might see the RCMP which stands for this. You know this, you know this.
Speaker 2:I don't know that it's uh, justin knows it.
Speaker 5:I mean, I have a pretty solid yes, I, I can't, I don't.
Speaker 2:I don't know, solid guess. I can't, I don't, I don't know.
Speaker 5:So go ahead and guess If you just need stealing point yeah, I mean, she's going to lose points anyway, so why not try Royal Canadian Mountain Patrol?
Speaker 3:Nope, oh, is it? Metro Police? Mounted Police. Oh see, I knew it was going to be something. The correct answer is what is the Royal Mounted Canadian Police? It's the Royal Canadian Mounted Police, even though the answer messed it up the Royal Canadian Mounted Police.
Speaker 2:Oh, that's out of order.
Speaker 3:That is out of order.
Speaker 5:I don't think we should get it wrong then no, you're getting it wrong, Justin?
Speaker 3:Nope, Nice try, Justin. So Royal Canadian Mounted Police. Whoever wrote this? A bad person wrote this.
Speaker 5:Alright, justin, the Wayback Machine for $400. I'm really interested in what this one is, so am I. I hope it's like the cartoon movie or like back to the future.
Speaker 3:oh, that would be fun. In ad 79, mount vesuvius blew its top and destroyed this ancient Roman city. Come on, man, come on, man, come on.
Speaker 2:Justin I know it, what is?
Speaker 3:it.
Speaker 5:Come on. The problem is Come on, man. Is it Pompeii? That's wrong. That's Italy, I'm going Pompeii. That's Italy, though, because that was Mount. I think that, yeah, I'm going Pompeii.
Speaker 3:Good job. Correct answer is what is Pompeii?
Speaker 5:yes, I got one good job, justin, you're winning. I almost got to go see that place too. I can't believe you struggled on that are you kidding me out of all the Jeopardy questions? Do you think I know geography? That's not just geography, it's history. Who cares?
Speaker 2:okay, so I just need 200 point. Well, no, because he might. He still has another chance after me. Okay, we're, we have to go for the big one, so let it rain for 500.
Speaker 3:Solid pick, solid pick. Let it rain for 500. The post office will deliver your mail come rain, or this? Are you kidding?
Speaker 5:me.
Speaker 2:Shine. The correct answer is what is shine?
Speaker 3:Shine. Good job, yvonne. Good job, all right. Justin. Good job, good job, justin, all right.
Speaker 5:This is the last question the way back machine yeah, 500. Yep, that's gonna be bad. I know this answer the assassination of this man set off world war one oh my god, I know this answer the assassination of arch bishop Francis Ferdinand, something like that, nope.
Speaker 3:Give me the correct answer.
Speaker 5:That's the correct answer, francis Ferdinand. That's my answer, francis Ferdinand.
Speaker 3:It's wrong.
Speaker 5:No, it's not.
Speaker 3:You're saying Archbishop.
Speaker 5:No, I'm not saying Archbishop, I said Francis Ferdinand. It doesn't say his rank, it says the assassination of this man. A man is a person, not a rank.
Speaker 3:I want the full answer.
Speaker 5:That's not, See. This is why I lose it's. Yeah, I'm going with Archbishop Francis Ferdinand. See, this is why I lose it's. Um, yeah, I'm going with Archbishop Francis Ferdinand.
Speaker 3:Alright, the correct answer is what is Archduke Ferdinand Told you Look.
Speaker 5:That lady beat that into me my freshman year of world history.
Speaker 3:I don't care, I got it right in my brain. Not, I got it right, not, you know.
Speaker 5:If you were to go to trivia at a bar, they'd totally give it to you.
Speaker 3:If you wrote, ferdinand yep, you, but you know, you would know they would. It would have been Archduke Ferdinand. And if you were, what wrote Francis Ferdinand?
Speaker 5:they were totally wrong 100% wrong, but that's why I was going to go with just Ferdinand. You told me, no, I couldn't. I mean I could at a bar, I would be totally right you know my thousand points because I'm arguing. So what happens when you argue? You lose twice. There you go.
Speaker 3:Right At the end of this episode's Jeopardy, we have a clear winner Yvonne with 500. Justin with negative 800.
Speaker 5:Congratulations.
Speaker 3:Congratulations, yvonne. Well done, well done, thanks thanks, justin you're welcome anytime.
Speaker 5:That's what I'm here for well, yvonne.
Speaker 3:Thank you so much for for spending some time with us today. Really enjoyed the conversation, as always. I always enjoy seeing you, but enjoy always talking to you, as always.
Speaker 2:I always enjoy seeing you, but enjoy always talking to you. Likewise, peter, thank you for including me.
Speaker 3:Absolutely, absolutely and, justin, thank you very much.
Speaker 5:Well, of course, it was my pleasure.
Speaker 3:And to close out, thank you again to Opnil Blue for sponsoring today's episode and to all of you. We know your time is valuable. Thank you again for tuning into the latest episode of Acuma's On Point Podcast. We hope you enjoyed it. Until next time. Be well, my friends.
Speaker 1:Thanks for listening. We'll see you next time at the Acuma On Point Podcast. If not already, be sure to subscribe and give us a five-star rating For more great episodes and information. Be sure to visit us online at acumaorg and to get the latest updates. Head over to our LinkedIn page.
