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Guaranteed Human.

KF.I. AM 640.

You're listening to the John Cobalt podcast on the IHeart Radio app.

We are on every day, one until four o'clock.

And every day, right after four, whatever you missed in the show, you can hear on the podcast, John Cobalt's show on demand.

And our first hour today, we spent a lot of time in the LA Times investigation into that crook, Ricardo Lara, the insurance commissioner.

And he has gone on 32 international trips to 23 countries spending either tax money or insurance industry money.

And he has really partied and enjoyed himself.

And he was behind the insurance disaster, especially in the palisades where thousands lost their insurance just two months before the fire.

And some have no insurance.

Some were thrown into the fair plan, which only gives you a fraction of a regular policy.

It was his doing, his incompetence.

He is most incompetent and most corrupt.

And this is not the first time there's been an expose on him.

And we are just counting the days until maybe finally he's forced out.

This is what the governor should do is demand that he resign.

I don't care who he gets replaced by.

It's impossible to get somebody who's worse. And we'll, that's the one o'clock hour. So you ought to listen to that on the podcast.

Now, let's talk to Nick Gerda. We've had on Nick before. Nick is with laist.com, a journalist,

and he has done a lot of investigative pieces on the nonprofit homeless industry,

the companies that build homeless housing and a lot of money that has evaporated, both state

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