 For 24-hour free and confidential information and treatment referral for mental and substance use disorders. For you or someone you know, call 1-800-662-HELP. Brought to you by the U.S. Department of Health and Human Services. You're listening to Bill O'Reilly on the Talk of the Town, 97.7 FM and 1570 AM. Okay, let's go to the mail. Ravonna Roper, North Highlands, California. Love the news. You reported that the Bidens refinanced their home mortgages.