Jan. 10, 2024
Why You Feel Overwhelmed, Dumb, and Lost When Faced With Financial (Or Any) Decisions
In this episode, we dive into the brain's role in financial decision-making, with a special focus on individuals with ADHD. We follow the story of Jordan, who grapples with typical financial decisions, such as whether to make an extra mortgage payment or invest in stocks. Experts like E Sonuga-Barke, G Fairchild, and A Stringaris provide insights into the unique challenges faced by those with ADHD.
We examine how the default mode network, essential for planning and self-reflection, and the amygdala's reward-seeking behavior contribute to impulsive financial decisions that can impact long-term stability.
The episode explores the workings of the ADHD brain, particularly the prefrontal cortex's role in controlling attention and impulses, and the interactions of the frontostriatal and frontoparietal circuits. We also discuss the crucial functions of the anterior cingulate cortex in emotional regulation and the orbitofrontal cortex in error detection, offering a glimpse into the ADHD brain's approach to financial planning.
By the end of this episode, listeners will have a deeper understanding of the complexities of the ADHD mind and the strategies that can assist in navigating the financial challenges associated with it.
Struggling with money chaos and ADHD?
Start your money transformation with my ADHD Financial Kickstarter session. A one on one meeting where we'll dive into into your unique situation and build a personalized roadmap tailored to you.
No generic advice—just clear, actionable steps to transform your relationship with money. One premium session, one comprehensive plan, zero subscriptions. Book your call today!
shamelessmoney.com/adhd-financial-kickstart
Learn more about ADHD-friendly financial coaching
Follow me on YouTube
Subscribe to the newsletter
00:00 - Understanding ADHD and Financial Decision Making
04:00 - The Struggle of Decision-Making With ADHD
08:51 - Brain's Impact on Decision Making
WEBVTT
00:00:00.160 --> 00:00:04.532
You're not able to make a good financial decision because your ADHD brain is a hot mess.
00:00:04.532 --> 00:00:09.845
I've dug into the academic papers and I've discovered why our brains can't seem to get its act together.
00:00:09.845 --> 00:00:12.237
We're going to apply some stuff to financial situations.
00:00:12.237 --> 00:00:17.699
We're going to learn about the parts of the brain that just flop all the time it feels like, and it's going to be great.
00:00:17.699 --> 00:00:18.481
So let's get into it.
00:00:20.128 --> 00:00:21.734
Your brain is a mess and we know that.
00:00:21.734 --> 00:00:26.711
We feel as every single day when the most innocuous wrenches completely blow up our entire day.
00:00:26.711 --> 00:00:31.974
Like when we go into our closet in the morning to get dressed and we stare at the clothes for so long.
00:00:31.974 --> 00:00:32.737
We don't know what to do.
00:00:32.737 --> 00:00:39.149
We pick one thing out, we're like none and I don't know, and then you just sit there and stare and then you get frustrated and it's dressed out and we can't even get dressed.
00:00:39.149 --> 00:00:41.523
You finally put some clothes on, but you look in the mirror.
00:00:41.523 --> 00:00:44.118
You're like, well, this sucks, but you don't have the time to go back in there.
00:00:44.118 --> 00:00:46.630
So you're like, whatever, I'm going to wear this, it sucks.
00:00:46.630 --> 00:00:47.935
And we can't even do that.
00:00:47.935 --> 00:00:54.305
How are we supposed to make complex financial decisions with variable after variable being thrown in and this and that and everything like it's too much.
00:00:54.305 --> 00:01:01.136
So today we're going to talk about some of the things I discovered reading some research papers the parts of our brain that aren't working.
00:01:01.136 --> 00:01:07.980
We're going to listen to some names of the brain, so get ready for that and we're going to apply it to financial situations.
00:01:07.980 --> 00:01:13.384
And I mean, I hope you're going to learn from this, you're going to build some awareness and be like yo why is my brain doing this?
00:01:13.384 --> 00:01:21.516
Well now I know because my ventral sciatical norovary cortex is just flopping right now and that's why I can't quite make this decision.
00:01:21.516 --> 00:01:22.661
And that's what we're going to talk about.
00:01:23.182 --> 00:01:39.087
In a research paper from E Sonuga, bark Escortese, g Fairchild, a Stringaris these people, these smart people they used existing empirical research to hypothesize causes of our impaired decision making for ADHDers.
00:01:39.087 --> 00:01:42.843
They went back and looked at all the research that discovered stuff.
00:01:42.843 --> 00:01:50.406
They kind of amalgamated it together and decided to make their own hypothesis, based on that research, of why we can't make decisions.
00:01:50.406 --> 00:01:52.412
So, in short, get a load of this.
00:01:52.412 --> 00:01:53.644
This is going to sound fun.
00:01:53.644 --> 00:02:08.728
They hypothesized that those with ADHD have alterations in multiple brain systems which interact to disrupt self-referential meaning thinking about yourself, pondering, day dreaming, executive and reinforcement processes.
00:02:08.728 --> 00:02:15.189
Reinforcement meaning like solidifying, like my brain is thinking this and my brain is saying this is it not very good at that?
00:02:15.189 --> 00:02:30.283
And that act across multiple stages of processing to produce decision making that is deficient, inefficient, insufficiently reflective, inconsistent and impulsive, with a strong bias towards, of course, immediate rewards.
00:02:30.283 --> 00:02:34.254
I want that instant gratification over delayed rewards.
00:02:34.254 --> 00:02:41.421
Phew, so that's rough, but let's go a little deeper to give you a sense of the scope of the real dysfunction that we have to contend with.
00:02:41.842 --> 00:02:50.290
Alongside these examples, I'm going to introduce you to a hypothetical ADHD guy who is named Richard, and Richard is going to be having a bit of a struggle.
00:02:50.290 --> 00:02:52.082
I'm sorry, I think I named him Jordan.
00:02:52.082 --> 00:02:52.805
His name is Jordan.
00:02:52.805 --> 00:03:01.007
Jordan is struggling to decide some financial things and he's struggling, so we're going to learn about what parts of his brain are struggling in these moments.
00:03:01.007 --> 00:03:13.599
All right, so one of the brain systems that's hypothesized and this is actually something you would have read about if you read Russell Barclay's book but the default mode network More fondly, we're going to call it as the dreaming mode network.
00:03:13.599 --> 00:03:20.381
This is a network of brain regions that are more active when we are just at rest, daydreaming and reflective.
00:03:20.381 --> 00:03:22.975
Now, we're usually pretty good at just being in this mode.
00:03:22.975 --> 00:03:25.164
I mean we kind of just like back into that mode.
00:03:25.164 --> 00:03:37.782
But it's been showed that in ADHD there's a disrupted connectivity in these areas really hurts our ability to project ourselves into the future and consider long-term consequences.
00:03:37.782 --> 00:03:55.134
We can put ourselves in the future, but when I do that, the future that I'm in is like this complete fantasy, idealistic world that really I did not follow the step-by-step process of what's going to take to get there and what it's going to actually be like.
00:03:55.134 --> 00:03:58.044
The future never is quite what I seem it seems like.
00:03:58.044 --> 00:03:59.587
So that's kind of how I relate to that.
00:04:00.169 --> 00:04:02.704
But in this example we got Jordan, the ADHD guy.
00:04:02.704 --> 00:04:08.889
He gets a raise and must decide whether to use the extra money for mortgage payments or for investing.
00:04:08.889 --> 00:04:15.658
He heard that you should make a decision between this and so while trying to focus on the pros and cons, jordan's mind just keeps wandering.
00:04:15.658 --> 00:04:19.216
He's trying to make a spreadsheet put the pros, put the cons, make a great decision.
00:04:19.216 --> 00:04:26.682
But he keeps getting distracted with unrelated thoughts and he just keeps switching back into some reflective anxiety mode.
00:04:26.682 --> 00:04:40.310
That is not helping and that is him going from his task-focused mode to the default mode, network mode, which is the daydreaming mode, whereas a lot of people would be able to just be like, okay, I'm in task-centered mode until further notice.
00:04:40.310 --> 00:04:45.997
We're just kind of like back and forth, back and forth, and it's Exhausting.
00:04:45.997 --> 00:04:50.067
Jordan's mind wandering is making this decision extremely hard.
00:04:50.557 --> 00:04:56.807
Next, we've got the ventral front-toe striatal circuits, which is involved in reinforcement, learning and the processing of rewards.
00:04:56.807 --> 00:05:04.100
So with our ADHD, there's weakness in these circuits and it can impair our ability to estimate the value or utility of different choices.
00:05:04.100 --> 00:05:06.144
So you have five different choices.
00:05:06.144 --> 00:05:07.737
You need to value them.
00:05:07.737 --> 00:05:09.161
Which one's better?
00:05:09.161 --> 00:05:11.146
Which one's relatively not as good?
00:05:11.146 --> 00:05:12.017
Which one's the worst?
00:05:12.017 --> 00:05:14.372
There's these different variables for each one.
00:05:14.372 --> 00:05:17.531
Then you have this one that has this one thing and this one doesn't have that one thing.
00:05:17.531 --> 00:05:25.043
How are we going to square all this and say, okay, this is definitively the choice for me and it just hurts us?
00:05:25.043 --> 00:05:39.478
So the ventral front-toe striatal circuit here, and this weakness ultimately contributes to a preference for immediate rewards, as the brain struggles to send the reinforcing signal that solidifies the value of the optimal long-term reward.
00:05:39.499 --> 00:05:50.298
So you might read or think yourself this is really what I should do, I think, but your brain is unable in the way that I kind of relate to this and, again, I'm no neuroscientist so I'm just kind of reacting to kind of what I'm reading.
00:05:50.298 --> 00:05:58.394
Is that like a lot of times I'll think and be like this is what I should do, but there is no emotional connection to it.
00:05:58.394 --> 00:06:00.480
The emotional connection does not happen.
00:06:00.480 --> 00:06:09.446
It's like as if my brain is not truly believing the words coming out of my mouth and it's saying, no, you're gonna stick with the thing that makes me get dopamine.
00:06:09.446 --> 00:06:19.958
No, so that's kind of how I think of that, and if anyone out there is a scientist, a neuroscientist, please correct me if that's not exactly how it works, but that's how I was understanding it as I was reading it.
00:06:21.543 --> 00:06:26.286
Jordan tries to think about the future rewards of paying off the mortgage or investing the money.
00:06:26.286 --> 00:06:32.557
However, he finds himself more attracted to the idea of using the money for immediate pleasures, like a vacation.
00:06:32.557 --> 00:06:42.685
So Jordan is focusing so hard, he's trying so hard to get himself in line for the right thing, but the vacation just keeps popping in his head, popping in his head, and he goes with it.
00:06:42.685 --> 00:06:47.947
He goes with the vacation and he's not fully accounting for and understanding the consequences.
00:06:47.947 --> 00:06:53.990
The reward of the vacation is an emotional feeling that is way overwhelming.
00:06:53.990 --> 00:07:01.584
That thing far out like security, stability, treating your future self with kindness and care, leaving a legacy, all the stuff.
00:07:01.584 --> 00:07:03.812
No vacation, that's what I get from that.
00:07:04.115 --> 00:07:07.389
So next we've got the amygdala, the good old amygdala.
00:07:07.389 --> 00:07:09.880
Basically it's like the emotional center of your brain.
00:07:09.880 --> 00:07:13.838
It's especially tuned into your feelings like fear and pleasure.
00:07:13.838 --> 00:07:16.812
And in ADHD the amygdala can be overactive.
00:07:16.812 --> 00:07:27.471
It's shown to be overactive in research, making you more sensitive to delays, meaning more sensitive to waiting, and much more likely to want rewards right away.
00:07:27.471 --> 00:07:32.069
And this can lead to quick reactions and sometimes helpful, sometimes not helpful.
00:07:32.069 --> 00:07:40.983
Most of the time, in my experience, my own impulsive, fear driven reactions lead to decisions that are not optimal by a long stretch.
00:07:41.545 --> 00:07:49.235
So, mr Jordan, here the thought of him waiting years to see the benefits of investing or paying off mortgage payments.
00:07:49.235 --> 00:07:55.196
Now he's trying to make a decision between investing and mortgage payment, you know, to pay off mortgage faster or to invest and get long term returns.
00:07:55.196 --> 00:08:02.423
He is doing neither of them because he keeps thinking about the idea of waiting that long and it's just not working out for him.
00:08:02.423 --> 00:08:05.658
So this makes him anxious and uneasy.
00:08:05.658 --> 00:08:11.202
The thought of like, intellectually, again he gets it go into the market, you know, pay off that mortgage faster.
00:08:11.202 --> 00:08:17.978
This all kind of makes sense, but it makes him uneasy, especially when he thinks about actually starting to do it.
00:08:17.978 --> 00:08:27.182
Meaning he's now kind of a screed with himself and he's going to do it, but now he's got to kind of get into the investment platform, make the investment, and then he gets in there and it starts going up and down.
00:08:27.182 --> 00:08:29.146
Maybe he's going to pull it out right away and say you know what?
00:08:29.146 --> 00:08:35.964
I think I'm going to get a lot more value out of this new gadget right now, like the gadget that I can have tomorrow that's going to help me.
00:08:35.964 --> 00:08:40.238
You know, maybe it's some new fancy brain thing that's going to help solve his ADHD or something, you know.
00:08:40.238 --> 00:08:49.020
Just not aligned at all and the fear center, the emotional center in his brain, is overreacting and causing all this, this stuff.
00:08:49.020 --> 00:08:50.442
All right, so there we go.
00:08:51.289 --> 00:08:56.663
So next is the front toe striatal and front toe periadal or yeah, I'm going to say periadal.
00:08:56.663 --> 00:08:58.014
I probably should have looked up how to pronounce that.
00:08:58.014 --> 00:09:06.197
But whatever, these are the areas critical for executive control, beyond, obviously, the prefrontal cortex, which we know is also really important for that.
00:09:06.197 --> 00:09:16.995
But the front toe striatal and front toe periadal circuits are important for managing attention, controlling impulses and planning, and disruptions here can slow down decision making processes and reduce their efficiency.
00:09:16.995 --> 00:09:22.460
Adhd might involve does involve lapses in attention and difficulties in staying focused.
00:09:22.460 --> 00:09:34.057
Yep, okay, compounded by interference from the dream mode network, like we talked about earlier, and this interference can lead us to have weak control over our brain, switching from task focus mode to default daydream mode.
00:09:34.057 --> 00:09:41.216
Okay, so I just read that off the notes that I had, but basically executive control, so we don't need to talk about that one too much more.
00:09:42.070 --> 00:09:45.820
Essentially, I've just gave you two more parts of the brain that are shown in research to be weak.
00:09:45.820 --> 00:09:53.235
We've got the amygdala already and we've already got the ventro striatal circuits and the default mode network, which is, you know we've got.
00:09:53.235 --> 00:09:55.360
So we're already dealing with a lot here, but there's more.
00:09:55.360 --> 00:09:58.591
But wait, there's more, just of course.
00:09:58.591 --> 00:10:31.332
We've got the medial prefrontal cortex and the dorsolateral prefrontal cortex, and these parts of the prefrontal cortex are involved in higher order, like smart and strong executive functions, like planning, decision making and moderating social behavior, and disconnectivity between these areas and the, again, the default mode network, one of the big sort of overarching things that I was reading in this report, which I'm going to link in the description and show notes, is that a lot of this has to do with the connection between the default mode network and these parts of the brain.
00:10:31.332 --> 00:10:37.760
Basically, disconnectivity here leads to challenges and consistently generating and implementing plans.
00:10:37.760 --> 00:10:41.102
I mean, let's just get past generating the plan.
00:10:41.102 --> 00:10:49.676
You know like implementing is like a is like what implementing a plan like generating the plan alone is hard unless you're deeply hyper focused and stimulated by the plan.
00:10:49.676 --> 00:10:51.441
You're making that part so hard.
00:10:52.110 --> 00:11:03.533
Okay, so Jordan makes a preliminary plan to invest the extra money, but then he second guesses this decision repeatedly, over and over again, going back and forth between paying the mortgage and investing.
00:11:03.533 --> 00:11:04.918
He just can't make a decision.
00:11:04.918 --> 00:11:08.399
His prefrontal cortex is just playing games with him.
00:11:08.399 --> 00:11:11.399
It cannot just feel solidified on a plan.
00:11:11.399 --> 00:11:17.135
It just, every single time he feels like he's going to do one thing, something kind of just throws that little tiny wrench.
00:11:17.135 --> 00:11:25.037
It doesn't have to be a big wrench at all, it's just a little tiny, loose screw and it swings you all the way back to something else, thinking that's better, it's all or nothing.
00:11:25.037 --> 00:11:26.052
It's all kind of crazy.
00:11:26.052 --> 00:11:43.220
So this inconsistency in his decision making in this situation is causing him to be completely unable to commit to a decision and he's feeling unsure, he has anxiety, he does not know what to do, and when you don't know what to do, it's much easier at that point to bury your head in the sand and just do nothing and just try and forget about it.
00:11:43.220 --> 00:11:46.934
All right, so that's all these brain parts, but wait, there's more.
00:11:47.649 --> 00:11:52.241
Now we've got the anterior cingulate cortex and the orbital frontal cortex.
00:11:52.241 --> 00:12:05.198
The anterior cingulate cortex is involved in functions like error detection, like hey, you're making a mistake right now, you should probably stop, you should probably not do that, you should probably not buy the thing and emotional regulation, motivation.
00:12:05.198 --> 00:12:14.477
And the orbital frontal cortex plays a role in decision making and reward processing, like helping you decide what you should probably do in this situation to make the best decision.
00:12:14.477 --> 00:12:30.618
Okay, so when these two areas aren't talking to each other very well, it can degrade our ability to learn from experience by impairing the process of prediction errors, which is the difference between expected and actual outcomes.
00:12:30.618 --> 00:12:40.258
Let's create a little scenario here we're going to call, just for fun, the anterior cingulate cortex and we're going to call the orbital frontal cortex Orville.
00:12:40.950 --> 00:12:51.182
Let's say that Jordan gets his monthly paycheck and this time you know he got a raise and he wants to use the raise for continuous investing or continuous mortgage payoff, like we've been talking about.
00:12:51.182 --> 00:13:03.361
However, jordan also really loves shopping and Jordan also really loves gadgets, electronic gadgets Like, for instance, the one that if I was Jordan, I would be going out and getting that sensei device, that neurofeedback device.
00:13:03.361 --> 00:13:04.710
That's like $1,500.
00:13:04.710 --> 00:13:06.595
I really want that thing, I just do.
00:13:06.695 --> 00:13:20.038
Okay, jordan's thinking about buying that, and the anterior cingulate cortex would help Jordan notice when the purchase decision might be a mistake, that it's not in line, that something's wrong with it, it's not really supporting his goals and all of that.
00:13:20.038 --> 00:13:31.182
And Orville would weigh in, which is the orbital frontal cortex, would weigh in on whether or not this purchase is really worth it, considering the reward and Jordan's long-term savings goal.
00:13:31.182 --> 00:13:35.929
So Orville would be like, well, you got this goal and you've got this much money.
00:13:35.929 --> 00:13:37.897
You should probably do this and get to that goal.
00:13:37.897 --> 00:13:44.322
And so, yeah, and if they're not talking well together and in Orville here, then things will go wrong.
00:13:44.730 --> 00:14:19.456
So when Jordan sees that flashy advertisement for the expensive new sensei device and the anterior cingulate cortex well, I can't remember the rest of it, whatever, you know she's failing to flag this as a potential error because she's not effectively communicating with Orville and he's supposed to be helping Jordan obviously understand that saving money feels rewarding in the long run, but he's just not helping him understand that and is also not getting the right information from and so and is not telling Orville hey, orville, like he's making a mistake right now, tell Jordan to focus on his long-term goal.
00:14:19.456 --> 00:14:21.020
You do your thing, I'm doing my part.
00:14:21.020 --> 00:14:24.359
I'm detecting the error, the mistake, that don't buy it.
00:14:24.359 --> 00:14:28.778
You go tell him what to do, but if and is not saying that, then he's going to buy it.
00:14:28.778 --> 00:14:37.820
And if and is giving him a moment to pause, but Orville is like, well, I think the reward of this is pretty darn good, then she's just going to buy it.
00:14:38.611 --> 00:14:47.140
So, as a result, jordan gets the sensei normally and would help Jordan learn from this mistake by creating some sense of regret or reminding Jordan about the savings goals.
00:14:47.140 --> 00:15:07.149
So and can help Jordan reflect upon and help him have some emotions that are going to be like, yeah, you shouldn't have done that, but even then, even if he gets that regret in the future and is going to not have him hold on to that regret long enough or have it affect him strong enough so that he is going to not do it again in the future.
00:15:07.149 --> 00:15:15.309
So he's not learning from his mistakes very well and since Ann and Orville are just not in sync, jordan is just not going to process this as a learning experience.
00:15:15.309 --> 00:15:28.957
Instead, jordan's going to feel happy with the new sensei device or whatever it is, but later struggle with financial stress due to the diminished sort of savings and investing and extra equity he would have in his home.
00:15:28.957 --> 00:15:34.436
He's going to deal with that stress, but the cycle will just repeat because they're still not going to be able to talk to each other.
00:15:34.436 --> 00:15:41.855
So in this example, jordan just falls on his face and I know a lot of us feel like that a lot of the time.
00:15:41.855 --> 00:15:43.211
So it's quite stressful.
00:15:44.445 --> 00:15:48.431
So at the end of the day, I don't have answers how to deal with, like how to fix your brain itself.
00:15:48.431 --> 00:15:55.432
There's things you can talk to your therapist and you know psychiatrist about, you know medication wise and things you can do to try and rewire and all of that.
00:15:55.432 --> 00:16:02.070
But what I can do, what I can help you with, is I'm giving you this education which, again, I am not a neuroscientist.
00:16:02.070 --> 00:16:05.671
So take this as half entertainment, half light education fact.
00:16:05.671 --> 00:16:06.354
Check me please.
00:16:06.354 --> 00:16:12.090
I don't really know what I said is true, but I was reading off of a research paper, so I have got that going for me.
00:16:12.090 --> 00:16:30.509
But, like now that you kind of know this stuff, it's not harmful to know what I've just said, because maybe you'll be like in the moment you're gonna be like, wow, I can't make this decision between my clothes right now because my frontostriatal circuit is impairing my ability to evaluate the decision or to evaluate the value of these two different options.
00:16:30.509 --> 00:16:50.687
Not nice frontostriatal circuit, and so you being able to understand that there's real crap going on in your head, I mean, like this research is crazy, like there is so much research suggesting all of these weak areas in our brain, and that should, in and of itself, at least give you the comfort of knowing that, like, you're not alone.
00:16:51.008 --> 00:16:53.095
This is a struggle, this is difficult.
00:16:53.095 --> 00:16:54.649
Financial decisions are hard.
00:16:54.649 --> 00:16:57.870
The financial part of your life is something that you shouldn't struggle with on your own.
00:16:57.870 --> 00:17:01.791
I highly recommend a coach, a planner, the tools, accountability, partners.
00:17:01.791 --> 00:17:09.608
All of this stuff is really gonna be important because you're gonna struggle with it, if it's not something that you're just naturally gifted at and have a passion for.
00:17:09.608 --> 00:17:11.906
It's gonna be a struggle, people with ADHD.
00:17:11.906 --> 00:17:16.311
As Ned Hallowell says in this book, which is I just got this and I like it.
00:17:16.311 --> 00:17:20.930
He says ADHDers would rather watch paint dry than look at their finances.
00:17:20.930 --> 00:17:23.272
So, with that said, it's gonna be a struggle.
00:17:23.404 --> 00:17:44.871
You have to accept that and understand that you do still need to make the right decisions, at least enough of them, to outweigh, over the long term, the bad decisions, because you don't wanna end up in 20 years in a situation where you are so far behind that the rest of your life is gonna look even more stressful because you're getting older, you're getting tired, you don't wanna work anymore.
00:17:44.871 --> 00:17:46.891
You just need to do the right things now.
00:17:46.891 --> 00:17:48.509
So you gotta get the help you need.
00:17:48.509 --> 00:17:50.633
You gotta get the support you need and you'll be okay.
00:17:50.633 --> 00:17:56.568
But I hope this helps you understand at least and make you have some comfort in knowing that we have a lot to deal with.
00:17:56.568 --> 00:17:58.471
So we gotta fight it, we gotta tackle it.
00:17:58.471 --> 00:18:02.308
But just know that it's not like you're just a terrible bad person.
00:18:02.308 --> 00:18:06.653
You just have ADHD in a brain that is trying to sabotage you at every turn.
00:18:06.653 --> 00:18:08.089
So I hope this was helpful.
00:18:08.089 --> 00:18:08.913
Thank you so much.
00:18:08.913 --> 00:18:11.907
I look forward to giving you more content and talk soon.
00:00:00.160 --> 00:00:04.532
00:00:04.532 --> 00:00:09.845
00:00:09.845 --> 00:00:12.237
00:00:12.237 --> 00:00:17.699
00:00:17.699 --> 00:00:18.481
00:00:20.128 --> 00:00:21.734
00:00:21.734 --> 00:00:26.711
00:00:26.711 --> 00:00:31.974
00:00:31.974 --> 00:00:32.737
00:00:32.737 --> 00:00:39.149
00:00:39.149 --> 00:00:41.523
00:00:41.523 --> 00:00:44.118
00:00:44.118 --> 00:00:46.630
00:00:46.630 --> 00:00:47.935
00:00:47.935 --> 00:00:54.305
00:00:54.305 --> 00:01:01.136
00:01:01.136 --> 00:01:07.980
00:01:07.980 --> 00:01:13.384
00:01:13.384 --> 00:01:21.516
00:01:21.516 --> 00:01:22.661
00:01:23.182 --> 00:01:39.087
00:01:39.087 --> 00:01:42.843
00:01:42.843 --> 00:01:50.406
00:01:50.406 --> 00:01:52.412
00:01:52.412 --> 00:01:53.644
00:01:53.644 --> 00:02:08.728
00:02:08.728 --> 00:02:15.189
00:02:15.189 --> 00:02:30.283
00:02:30.283 --> 00:02:34.254
00:02:34.254 --> 00:02:41.421
00:02:41.842 --> 00:02:50.290
00:02:50.290 --> 00:02:52.082
00:02:52.082 --> 00:02:52.805
00:02:52.805 --> 00:03:01.007
00:03:01.007 --> 00:03:13.599
00:03:13.599 --> 00:03:20.381
00:03:20.381 --> 00:03:22.975
00:03:22.975 --> 00:03:25.164
00:03:25.164 --> 00:03:37.782
00:03:37.782 --> 00:03:55.134
00:03:55.134 --> 00:03:58.044
00:03:58.044 --> 00:03:59.587
00:04:00.169 --> 00:04:02.704
00:04:02.704 --> 00:04:08.889
00:04:08.889 --> 00:04:15.658
00:04:15.658 --> 00:04:19.216
00:04:19.216 --> 00:04:26.682
00:04:26.682 --> 00:04:40.310
00:04:40.310 --> 00:04:45.997
00:04:45.997 --> 00:04:50.067
00:04:50.557 --> 00:04:56.807
00:04:56.807 --> 00:05:04.100
00:05:04.100 --> 00:05:06.144
00:05:06.144 --> 00:05:07.737
00:05:07.737 --> 00:05:09.161
00:05:09.161 --> 00:05:11.146
00:05:11.146 --> 00:05:12.017
00:05:12.017 --> 00:05:14.372
00:05:14.372 --> 00:05:17.531
00:05:17.531 --> 00:05:25.043
00:05:25.043 --> 00:05:39.478
00:05:39.499 --> 00:05:50.298
00:05:50.298 --> 00:05:58.394
00:05:58.394 --> 00:06:00.480
00:06:00.480 --> 00:06:09.446
00:06:09.446 --> 00:06:19.958
00:06:21.543 --> 00:06:26.286
00:06:26.286 --> 00:06:32.557
00:06:32.557 --> 00:06:42.685
00:06:42.685 --> 00:06:47.947
00:06:47.947 --> 00:06:53.990
00:06:53.990 --> 00:07:01.584
00:07:01.584 --> 00:07:03.812
00:07:04.115 --> 00:07:07.389
00:07:07.389 --> 00:07:09.880
00:07:09.880 --> 00:07:13.838
00:07:13.838 --> 00:07:16.812
00:07:16.812 --> 00:07:27.471
00:07:27.471 --> 00:07:32.069
00:07:32.069 --> 00:07:40.983
00:07:41.545 --> 00:07:49.235
00:07:49.235 --> 00:07:55.196
00:07:55.196 --> 00:08:02.423
00:08:02.423 --> 00:08:05.658
00:08:05.658 --> 00:08:11.202
00:08:11.202 --> 00:08:17.978
00:08:17.978 --> 00:08:27.182
00:08:27.182 --> 00:08:29.146
00:08:29.146 --> 00:08:35.964
00:08:35.964 --> 00:08:40.238
00:08:40.238 --> 00:08:49.020
00:08:49.020 --> 00:08:50.442
00:08:51.289 --> 00:08:56.663
00:08:56.663 --> 00:08:58.014
00:08:58.014 --> 00:09:06.197
00:09:06.197 --> 00:09:16.995
00:09:16.995 --> 00:09:22.460
00:09:22.460 --> 00:09:34.057
00:09:34.057 --> 00:09:41.216
00:09:42.070 --> 00:09:45.820
00:09:45.820 --> 00:09:53.235
00:09:53.235 --> 00:09:55.360
00:09:55.360 --> 00:09:58.591
00:09:58.591 --> 00:10:31.332
00:10:31.332 --> 00:10:37.760
00:10:37.760 --> 00:10:41.102
00:10:41.102 --> 00:10:49.676
00:10:49.676 --> 00:10:51.441
00:10:52.110 --> 00:11:03.533
00:11:03.533 --> 00:11:04.918
00:11:04.918 --> 00:11:08.399
00:11:08.399 --> 00:11:11.399
00:11:11.399 --> 00:11:17.135
00:11:17.135 --> 00:11:25.037
00:11:25.037 --> 00:11:26.052
00:11:26.052 --> 00:11:43.220
00:11:43.220 --> 00:11:46.934
00:11:47.649 --> 00:11:52.241
00:11:52.241 --> 00:12:05.198
00:12:05.198 --> 00:12:14.477
00:12:14.477 --> 00:12:30.618
00:12:30.618 --> 00:12:40.258
00:12:40.950 --> 00:12:51.182
00:12:51.182 --> 00:13:03.361
00:13:03.361 --> 00:13:04.710
00:13:04.710 --> 00:13:06.595
00:13:06.695 --> 00:13:20.038
00:13:20.038 --> 00:13:31.182
00:13:31.182 --> 00:13:35.929
00:13:35.929 --> 00:13:37.897
00:13:37.897 --> 00:13:44.322
00:13:44.730 --> 00:14:19.456
00:14:19.456 --> 00:14:21.020
00:14:21.020 --> 00:14:24.359
00:14:24.359 --> 00:14:28.778
00:14:28.778 --> 00:14:37.820
00:14:38.611 --> 00:14:47.140
00:14:47.140 --> 00:15:07.149
00:15:07.149 --> 00:15:15.309
00:15:15.309 --> 00:15:28.957
00:15:28.957 --> 00:15:34.436
00:15:34.436 --> 00:15:41.855
00:15:41.855 --> 00:15:43.211
00:15:44.445 --> 00:15:48.431
00:15:48.431 --> 00:15:55.432
00:15:55.432 --> 00:16:02.070
00:16:02.070 --> 00:16:05.671
00:16:05.671 --> 00:16:06.354
00:16:06.354 --> 00:16:12.090
00:16:12.090 --> 00:16:30.509
00:16:30.509 --> 00:16:50.687
00:16:51.008 --> 00:16:53.095
00:16:53.095 --> 00:16:54.649
00:16:54.649 --> 00:16:57.870
00:16:57.870 --> 00:17:01.791
00:17:01.791 --> 00:17:09.608
00:17:09.608 --> 00:17:11.906
00:17:11.906 --> 00:17:16.311
00:17:16.311 --> 00:17:20.930
00:17:20.930 --> 00:17:23.272
00:17:23.404 --> 00:17:44.871
00:17:44.871 --> 00:17:46.891
00:17:46.891 --> 00:17:48.509
00:17:48.509 --> 00:17:50.633
00:17:50.633 --> 00:17:56.568
00:17:56.568 --> 00:17:58.471
00:17:58.471 --> 00:18:02.308
00:18:02.308 --> 00:18:06.653
00:18:06.653 --> 00:18:08.089
00:18:08.089 --> 00:18:08.913
00:18:08.913 --> 00:18:11.907
