Democrats propose more spying on your bank account
They’re now talking about the triggering amount being $10K:
Democrats are vowing to crack down on tax cheats by giving banks new requirements to disclose to the IRS accounts that have total annual inflows or withdrawals of at least $10,000.
The plan would help fund President Joe Biden’s multi-trillion-dollar economic agenda, potentially raising $700 billion and reducing the need for tax increases to offset the cost of new social spending. Democrats say this plan to catch tax evasion by the wealthy and boost federal revenues is critical to address inequalities in a tax system that forces middle-income people to pay all they owe, while high-earners can shield their income from the IRS.
“This is very clear this is about wealthy business owners at the tippy top of the top,” Senate Finance Chair Ron Wyden told reporters on a conference call Tuesday. “If you don’t have $10,000 above your paycheck, Social Security income or the like coming in or going out, there’s no additional…
The Treasury is proposing two new data points — the sum of all the deposits and the total value of withdrawals — to add to a tax form where banks already report interest amounts and other account data to the IRS.
The proposal used to involve a mere $600, but I guess that dog wouldn’t hunt and now they’ve upped it to a gargantuan (that’s sarcasm) $10K. But we’re not talking about any “tippy-top” here.
Not that that matters. Once again, as with so many other things, computerized systems make this proposal relatively easy to implement; my guess is that it would have been difficult prior to computers storing all the information. The slippery slope of government intrusion is fully greased up these days and their plan is to monitor more and more people for less and less reason, and to use that monitoring for political ends.
And my guess is that they were never serious about the $600 threshold. It was just a stalking horse to make the $10K look so much better.
What the government can measure, it seeks to eventually control.
potentially raising $700 billion
Extracting $700 billion from the productive sector to the parasitic sector certainly in the midst of a highly unstable, inflationary economy won’t result in anything but more economic pain for regular Americans. So of course they’re pushing for this idiocy.
If you have less than $10,000 inflows/outflows in your bank account over a year’s time, savings or checking, you’re probably living on the street. This is Democrat gaslighting by going from $600 to $10,000 and implying it is only about the rich. Sen. Wyden lies. Bastards all, they are.
The Democratic Party is a collecting pool of sociopaths. It’s also the preferred electoral vehicle of the bulk of the professional-managerial stratum in this country. Which suggests…
Which suggests…
The US is in big trouble unless we listen to Orwell and not let it happen.
I agree that the Democratic Party is full of sociopaths. It is stunning.
Just leave us alone. Is that too much to ask?
And when cash is outlawed, they’ll really have everyone by the short and curlies…
A Democratic Party wet dream, no doubt…
I’m not a constitutional scholar, but it seems to me that this bill is a violation of the 4th Amendment. If there is probable cause to show that I have violated the law, then get a warrant. But just rummaging about in my personal affairs because I have “too much” money going into and out my accounts is abusive.
When I was a kid, I always thought that rich people had giant vaults full of gold coins like Scrooge McDuck. Now I think a lot of Democrats still see it that way. They don’t realize that (most of) the wealthy put their money to work, fueling, as Nonapod said, the productive economy, Instead, the Democrats want to waste it in the parasitic economy, in order to buy votes for themselves.
They intentionally put out $600 first so that $10,000 would seem more reasonable. It’s known as the “anchoring effect” in negotiation.
Yeah this is a joke. There are homeless people that have bank accounts and almost certainly would be over this limit.
As geoffb just said, the key word is “annual flow”, not a straight $10k withdrawal or deposit. And even that $10k amount is ridiculous in today’s world, where just making a reasonable down payment on a new car could easily be over 10 grand.
The plan is so obvious to control everyone’s money. Just when I thought they couldn’t become even more evil, they prove me wrong. OMG, why can’t 50% of the population see what they are doing??
And how is it the Democratic party is the one that is touted as being so concerned about privacy? 180 degrees from the truth for a long time now.
Are Democrats and the Left getting stupider? This proposal alone would probably be enough to cost them the House and Senate next year without even factoring in inflation, the border, supply chain problems, Afghanistan, etc.
I mean, if they proposed doing this for accounts with over $1 million in annual activity and then planned to lower that amount in the years to come…but THIS?!?!?
Mike
My guess is there are a whole lot of dems who work on side gigs and so on, and now are shitting in their pants as to what will happen to them in the future!!!
Going to get fun to watch…
Beyond the point of no return, nothing matters…
Ylppeee! I’ve made it, Ma! The very tippy-top!
Somehow it doesn’t feel so great, though.
This proposal alone would probably be enough to cost them the House and Senate next year without even factoring in inflation, the border, supply chain problems, Afghanistan, etc.
They’re figuring on being able to steal enough that public rejection won’t matter.
https://www.rasmussenreports.com/public_content/politics/biden_administration/is_biden_up_to_the_job_most_voters_not_confident
Voters increasingly doubt that President Joe Biden is capable of performing the duties of his office, and a majority of voters believe others are running the show behind the scenes.
A new Rasmussen Reports national telephone and online survey finds that only 27% of Likely U.S. Voters are Very Confident that Biden is physically and mentally up to the job of being President of the United States. Another 14% say they are Somewhat Confident in Biden’s capability
The government is already using the one-time $10000 deposit to seize assets from small retailers without recourse. This is worse.
A recent meme I saw displayed a white haired man speculating: “Facebook must be censoring liberals now”
Second photo’s caption was something like “Haven’t seen ANY posts praising Joe Biden”
“Tax evasion by the wealthy?”
The only people I’m aware of that would be meaningfully impacted by this would be tipped staff.
That’s where probably 80% of unreported income exists that could be detected by bank account balance.
At this point and by now, I’m not at all certain that the passage of the 10K annual inflow Bill would lead to many liberals awakening. I can easily see them telling themselves that only the guilty will suffer. Any who take a hit will ascribe it to a bureaucratic ‘mistake’.
Liberals can’t stand fast in objecting in this area because virtue signalling is at least as much about inner affirmation, as outer affirmation from others. They can’t, even for a moment, entertain the possibility that they’re not supporting the good guys… because then they’re enabling the bad guys.
It’s going to take a lot more than big brother looking over their shoulder for them to abandon the democrat party. It’s going to take the most personal of threats. Rampant crime hasn’t done it. Accusations of being inherently racist haven’t done it. Not sure even more jihadist terror attacks will do it. After all, we’ve brought it upon ourselves and can hardly complain when our chickens come home to roost…
When they embrace it, the suicidal cannot be saved from themselves.
Anyone working full time at 1997’s minimum wage could be caught by a $10,000 minimum. At least now they’re not picking up the high school kids babysitting for their neighbors.
Hoarders, wreckers, hooligans and kulaks seem bent on damaging the wondrous economy the Biden Admin has provided?
https://www.breitbart.com/politics/2021/10/20/people-are-hoarding-food-shortages-spike-as-supply-chain-crumbles/
One reason for a Party is that they are seen as/supposed to be, vetting the candidates they offer for election. Think of them as a Temp Agency. They are saying “We find this person qualified for this office.” The Democrats long ago decided that sociopathology didn’t unqualify a candidate. The only qualifications were that they could win, by hook or by crook, and would mostly bow to the Party leader’s demands on votes.
Republican’s will, mostly?, disqualify sociopaths but being crooked/corrupt is okay as long as it is kept on the down-low.
I have a hard time believing this will be passed. And I think if they try it they will regret it.
And then there’s the issue of runawy inflation. $10K is chump change nowadays.
JimNorCal:
Just returned from a grocery run. More bare shelves than I’ve seen since the original lockdowns and masking is increasing.
Geoffb @ 3:20: “…If you have less than $10,000 inflows/outflows in your bank account over a year’s time, savings or checking, you’re probably living on the street.”
What you said. Do the math. The new test would be inflows OR outflows. So if you had a dormant savings account and began drawing on it to cover living expenses of $800 a month —enough for groceries, electricity and maybe some gas— you are in the target zone. This will sweep in everybody whose wages are BELOW HALF THE MINIMUM WAGE ($7.50/hour x 1333 hours/year). Why? These people won’t be paying much if anything in taxes, so why does Joe Biden need to see what they do with this pittance?
Maybe the responsive tactic is to open dozens of accounts with activity governed by an algorithm to keep below the reporting threshold. So you pay your rent for 3 months off account #303, then open account #304 and move into it the balance needed to cover 3 more months, etc. and a whole lot of accounts get settled in used twenties or a jug of trade whiskey.
Insane.
Inflation leads to more of the economy going underground. It also steps up all the gov’t’s expenses. In this politicized environment, “the rich” will be the people who vote for the “wrong” candidates. Those that are truly wealthy can afford to hide wealth in places other than banks. This is about control, not tax revenue.
For the mentally ill blue haired ‘gurls’ of both sexes, the answer is yes.
You are the grass they graze. And they will have your applause for doing it. Or else. It’s called “inclusion” and a “place for everyone” in political terms.
It used to be called shackles and yokes. But that was a different time and a different population.
Maybe that Chinese missile has an upside, as most of these folks are big city dwellers.
Maybe the responsive tactic is to open dozens of accounts with activity governed by an algorithm to keep below the reporting threshold.
Then they prosecute you for ‘structuring’.
This whole business really is evil.
The only people I’m aware of that would be meaningfully impacted by this would be tipped staff.
Yellen wants to go after barbers, cabbies, moving men, and waiters.
I realise the Independents are not supporting the government in Washington DC, which is good. It is very unbelievable that anyone voted for this. Biden/Harris make Buchanan look good.
IRS claims $700 billion in uncollected taxes annually, but where’s the data, the basis for this claim?
I think IRS just made up a large-seeming dollar number. It is BS, supported by Wyden from Oregon, who is elected by the “good” people of Portland every 6 years.
You want to see monetary shielding? Audit Nancy and hubbie!
“They’re figuring on being able to steal enough that public rejection won’t matter.”
But you, me, and anyone else with even a passing knowledge of political history knows that “consent of the governed” is a real thing, even for out-and-out tyrants. All stealing elections does is push the other side to reject the democratic process as a whole.
Mike
The Democrats have become the political party of totalitarian social engineering.
Step 1. Today, the federal government starts to monitor individual banking accounts.
Step 2: Outlaw bitcoin, and other similar digital assets. Replace them with a cryptocurrency issued by the Federal Reserve (FedBit).
Step 3: Use FedBit’s blockchain ledger system to monitor all financial transactions.
Step 4: Use FedBit’s blockchain ledger system to tax all financial transactions.
Step 5: Pass social credit legislation to create a punishment/reward system for all financial transactions — e.g. green purchases rewarded, firearms purchases punished.
A glimmer of good news: Republicans unanimously filibuster the Democrat “voting rights” bill.
https://www.foxnews.com/politics/senate-republicans-block-federal-voting-rights-legislation
@Kate:Republicans unanimously filibuster the Democrat “voting rights” bill.
They’re not doing it for us. They’re doing it to keep their snouts in the trough….
This is where the 50 + Kamala rubber meets the road. The so-called filibuster can be overridden at any time by simple majority vote.
It can, but so far Manchin and Sinema say they won’t vote to eliminate the filibuster. Time will tell if they stick to what they say.
The original proposal was inflow or outflow total of over $600 in any month and then all transactions for the year had to be reported.
This one is inflow or outflow total of over $10,000 per year, which is $834 per month. The distinction is without any real difference except for the PR value to the LIVs.
It’s the thin end of the wedge.
You’ll be pleased to know that in the Try It Out First Land of Oz Down Under, transactions of AUD1K or more have been reported for decades now. That’s what de law and regulations say. However it’s an open secret that the government tracking agency has its real trigger threshold a bit lower than 1K.
Based on my personal experiences and chats with multiple CFOs who regularly move large sums around domestically and across borders, these rules hurt the Little People (that would be you and me) far more than large organisations. What you tend to find is that banks and other financial institutions end up with huge compliance departments which spend most of their time harassing small investors and businesses needing to transact electronically in cash. KYC: Know Your Client. There’s more KY than Client in that acronym.
An Apple or a Google or a Walmart has no trouble shifting sums around. Don’t You Know Who I AM? Companies further down the pecking order can put KYC verification services on retainer… so another middleman gets to grift. Mom and Pop? Forgeddaboudit.
Cornflour has got the spirit of the thing.
The only part he missed is the elimination of paper currency bigger than a $20 bill, and outlawing the private ownership of gold (like FDR did). The suggestion of eliminating the bigger denomination bills has already been written up by some Dem econ. poohbah like Larry Summers or Austin Droolsby.
Zaphod. Hasn’t China reinstituted some currency controls recently? China is so smart. We need to emulate their superior policies. (sarc)
_____
Zaphod. I missed your post above in the passing. Good one. Sounds correct to me.
I used to to buy the political pitch for a level economic “playing field.” Now I think it ideally should be tilted in favor of small business.
@TommyJay:
China has a bunch of currency controls covering individuals and businesses. I don’t follow them. As with the West, there are different rules for Big People and Little People. The C21 business model of Hong Kong is to be a city-sized Chinese Laundry if you get my drift.. We all live off the trickle down from the Rising Tide… so I hope they keep on doing whatever they’re doing 😀
@Kate:they won’t vote to eliminate the filibuster.
They wouldn’t be voting to “eliminate the filibuster”. That’s media misdirection. They’d be voting to suspend the cloture rules one time only, which does not “eliminate the filibuster”. The Senate rules allow this to happen any time a bare majority wishes it.
When Republicans do it, it’s the norm-shattering, tyranny-of-the-majority “nuclear option”. If Manchin and Sinema join the 50+1, the media will give them cover and explain to us rubes that it was a one-time rules suspension and the Republicans are making a big deal out of nothing, the cloture rules are still in effect and Republicans can still filibuster anything they want.
“Republicans can still filibuster anything they want.”
Which will be an obvious lie since what will be known is Republicans can filibuster anything they want that Democrats allow them to. Will to power uber alles.
I don’t make that much but my outflow is more than 10,000 a year. There is mortgage, food, utilities, gas, doctor bills, insurance etc. I live a pretty spartan life, so much so that I doubt that Nancy Pelosi, AOC or any other member of the Washington establishment could stand it.
Heh….
Say it ain’t so, Joe….
https://uncoverdc.com/2020/10/20/the-bidens-have-always-been-a-massive-national-security-threat/
“They’re figuring on being able to steal enough that public rejection won’t matter.”
Indeed.
It’s why the COVID crisis MUST continue at least until the 2022 elections (and even longer than that) and explains why natural immunity and treatments other than the vaccine are such a threat (e.g., Ivermectin, HCQ+) and must be ridiculed, suppressed and/or ignored.
It’s why all the other crises must continue to be created, aggregated and accumulated until the country is effectively hamstrung.
I wonder whether they’ll try to ram through something along the lines that if you’re not vaccinated (or vaccinated sufficiently) you lose your right to vote.
They don’t have to do this, of course—they can steal the next election without it—but they’re perfectionists.
Paranoid perfectionists.
Criminal, paranoid perfectionists.
With a whole lotta power.
Another possibility might be that anyone designated a “Terrorist”(TM) will be prevented from voting.
These guys are disgustingly cunning…
In any case, the Democratic Party is fast becoming just one big over-encompassing protection racket….
https://legalinsurrection.com/2021/10/natl-assoc-of-county-and-city-health-officials-ask-biden-doj-for-protection-just-like-nsba/
(But whom, exactly, are they “protecting”…?)
+ Related:
WARNING: Precedent ALERT—
“DE BLASIO TO CITY WORKERS: ‘We’re Not Going To Pay People Unless They’re Vaccinated’”
https://blazingcatfur.ca/2021/10/21/de-blasio-to-city-workers-were-not-going-to-pay-people-unless-theyre-vaccinated/
Did I say “disgustingly cunning”? It’s worse than that.
Far, far worse….
Related:
https://www.intellectualtakeout.org/the-impending-mass-firing-of-america-s-unvaccinated/
H/T Blazingcatfur blog.
And the madness reverberates equally in Canada (but then, Trudeau is “the very model of ‘n Obama major wannabe”…).
https://tnc.news/2021/10/20/charter-is-being-violated-and-abused-by-covid-policies-former-newfoundland-premier/
…as Erdogan shows “Biden” the way forward…”
https://www.zerohedge.com/markets/lira-crashes-all-time-low-after-turkey-shocks-200bps-rate-cut-despite-soaring-inflation
And a terrific two-fer; a stunning twin bill:
Turley on the Conjuror/Charlatan-in-Chief
https://www.zerohedge.com/political/joe-biden-disappearing-elephant-how-make-full-sized-scandal-vanish-front-audience
…while Victor D. Hanson offers his characteristic lucid/lurid commentary on the extraordinary disaster that is the “Biden” success story:
https://www.jewishworldreview.com/1021/hanson102121.php
Pssst. Time to steal another election…
https://www.foxnews.com/politics/virginia-county-is-violating-election-law-amid-governor-race-lawsuit-claims
And not content with writing baloney about HCQ, the “Lancet” tries its luck again…
https://victorygirlsblog.com/lancet-climate-change-worse-than-covid/
(If this keeps up, this “prestigious” journal may just probably have to change its name to “Roadrunner Magazine”… Or maybe the “Keep Digging Report”)
When the 10,000 dollar rule was made, 10 Grand was a substantial amount of money. In today’s dollars, it would equal around 120 Grand. That’s where the cut off should be, to match inflation.
I agree with Topo, this is a violation of the 4th amendment.
But it could take a year or two to strike it down.
Former casino manager here. Casinos are required to track and report all cumulative transactions (cash in plus cash out) exceeding $10,000 in a 24-hour period. They have to file CCTR’s (casino cash transaction reports) with FinCEN (the Financial Crimes Enforcement Network) on all customers whose activities exceed that threshold. (Customers hate that sh*t, BTW). That sounds a lot like the new rule under discussion here.
$10,000 cumulative transactions in a YEAR??? Getoudahere. That covers EVERYBODY.
This affects literally every single employed person. Unless your annual income is less than $10K, you have inflow of at least that much.
There’s no way this should ever pass muster.
They [Wyden] are now saying that paycheck and Soc. Sec. DEPOSITS will not count in the reporting requirements. However, he did not mention the withdrawals, so I guess you just have to leave your paycheck and/or Soc. Sec. in and never withdraw them. Also unmentioned is that paychecks and Soc. Sec. are already reported to the IRS by your employer and the Soc. Sec. Administration so they already have them captured.
Darn, now I will need to buy a second pillow case.
Banks are already required to report transactions in excess of $10,000 to the IRS (as well as transactions that are “structured” to remain below that threshold), so having a monitoring program keyed to this amount seems to be consistent, and not a lot more intrusive than the status quo. Adding 47,000 employees to the IRS seems far more significant. Plus, as long as IRS does not have access to credit card & other non-bank accounts, they will not have access to the numerous transactions taking place there.
so having a monitoring program keyed to this amount seems to be consistent, and not a lot more intrusive than the status quo.
Unless we’ve misunderstood on this thread, the proposal refers to total flow of funds in a given year, not to a discrete transaction. You very seldom move $10,000 in one transaction from a household account. All but a few people will have a sum of inflow and outflow exceeding $10,000 in a given year.
James S.
It’s not a transaction in excess of $10,000 or a structured series that exceeds $10K. It’s a yearly total of all transactions, either deposits or withdrawals, combined equaling or exceeding $10,000.
They’ve changed from the $600 a month total to $10K per year total for the optics, it is not much different in real outcome. This turns the “structured” idea up to 11 as everything is now part of a “structure.”
I also bet hidden inside is an tricksy exemption for Congress[wo]men and their families.
When the 10,000 dollar rule was made, 10 Grand was a substantial amount of money. In today’s dollars, it would equal around 120 Grand.
I think the rule dates from the early 1970s. The GDP deflator has increased by 5-fold since 1971, so that would make for a $50,000 threshold. If you prescribe a threshold as a particular multiple of nominal personal income per capita, than a $130,000 threshold would be about right.
I also bet hidden inside is an tricksy exemption for Congress[wo]men and their families.
Bingo!
As far as the credit card thing above. How do you pay your card every month? By check? By transfer from a bank account? Those would count toward the $10K total.
You think this is about tax cheats? Unlikely. The biggest tax cheats have legions of lawyers and off shore accounts protected by layers of shell companies. What this really allows is an inspection of what clubs and associations you are a member of, what political and religious groups you support, who you purchase guns and ammo from. I’m sure there are numerous other nefarious applications. The idea that they will recover unpaid taxes for billionaires, is to laugh at. A professional making $250k perhaps.
What this really allows is an inspection of what clubs and associations you are a member of, what political and religious groups you support, who you purchase guns and ammo from. I’m sure there are numerous other nefarious applications. The idea that they will recover unpaid taxes for billionaires, is to laugh at.
Quite possibly. Someone else has suggested that the real target is the self-employed. They tend to vote Republican.
Vigorous tax enforcement is, as a rule, good. The more your effective levy is uneven from one household to another and one business to another, the more your tax regime is unfair. The thing is, there be trade-offs. Given the sums collected in personal income taxes, their estimate of the ‘tax gap’ indicate that their models estimate they’re collecting 91% of what is due. That’s close enough for government work; IIRC, it was thought a generation ago that 17% of the sum due escaped notice, so it’s a reasonable wager the problem is not getting worse. When you’re able to capture 91% of the revenue due, the marginal social benefit to improved collection begins to fall below the marginal injury to be had from escalating intrusion into the affairs of each and every household.
While we’re at it, fair taxes have a simple architecture and simple rate schedule. Most members of Congress are very resistant to that, because they want to pass out goodies to donor constituencies in the form of deductions and exemptions and sectoral credits. Blecch.
}}} have total annual inflows or withdrawals of at least $10,000.
This is literally the income of every single working fulltime individual. Who the eph does not use direct deposit any more? 10k/2000 hrs (full time) is 5 bucks per hour
I suppose a small number of peeps might be making a bit less, but not many.
:-/
CommoChief has a great true story here.
https://legalinsurrection.com/2021/10/natl-assoc-of-county-and-city-health-officials-ask-biden-doj-for-protection-just-like-nsba/#comment-1217728
“I attended a a council meeting in a small town a few years ago. One of the agenda items was a request from city code department to install bullet resistant barriers/glass to separate the public from the employees. There had been zero attacks on any employees, but there were some irate members of the public responding to the new code enforcement officials; they hired a supervisor from CA. This individual was a very condescending ‘I make the rules’ guy.
I simply pointed out that this wasn’t a beneficial expenditure. First, the public could simply wait to confront this person when he left the office. Second the focus of the code department, according to the charter, was to inform, educate and assist with voluntarily compliance with enforcement/compulsion being the last resort.
Finally I pointed out that his bullying behavior was the source of the problem, all this began upon his arrival, and that deliberately PO the public and receiving negative feedback wasn’t a good reason to spend tax dollars to protect a bully who viewed the public as an adversary. The council declined to spend the funds and he was fired prior to the end of his one year probationary period.
The public officials must come back to understanding that they are our servants and not our masters. Better by far if they can do so by reason, logic and persuasion, instead of more direct methods, IMO. Hopefully they do so.”
“Banks are already required to report transactions in excess of $10,000 to the IRS (as well as transactions that are “structured” to remain below that threshold) . . .”
Incorrect. Banks (like casinos) are required to report CASH transactions in excess of $10,000.00. In other words, if you deposit a check for $11,000.00, nothing gets reported. If you deposit $11,000.00 in cash, that gets reported. This proposed new rule makes no distinction between cash transactions and other transactions, which makes it drastically more intrusive than existing rules.
Incorrect. Banks (like casinos) are required to report CASH transactions in excess of $10,000.00. In other words, if you deposit a check for $11,000.00, nothing gets reported.
I’m confused. Can you enlighten us as to how Dennis Hastert and Eliot Spitzer got charged with structuring if they could have just written a check for the full amount and avoided the reporting requirement?
Legal Insurrection threads are almost as good as Neo’s. (h/t Barry at
(h/t Barry Meislin on October 21, 2021 at 7:55 am)
Matt Munson points out a general purpose observation of the current situation with the Administrative State as run by the Deep State:
https://legalinsurrection.com/2021/10/natl-assoc-of-county-and-city-health-officials-ask-biden-doj-for-protection-just-like-nsba/#comment-1217739
Followed by other commenters:
@ JimNorCal > “Hoarders, wreckers, hooligans and kulaks seem bent on damaging the wondrous economy the Biden Admin has provided?”
Next act: extending surveillance of your bank transactions to your grocery store receipts. Yes, they have the technology to do that, because we are all signed up as “favored shoppers” to get the discounts.
From the Breitbart post: “the shelves at stores [are] less stocked due to Biden supply chain crisis”
..which is NOT the same as a year ago, when the shelves were less stocked because the ag producers and processing manufacturers had all their staff out sheltering at home instead of working.
This is totally on the Biden administration and California’s insane economic regulations.
However, since stores opened and production ramped up again fairly soon last year, my hoard is still in place from 2020.
Except for the hand sanitizer & pinto beans that were lost in a tragic canoe accident during the summer.