{"version":"1.0.0","episode":{"title":"How To Save On Fuel Without Debt","url":"http://getcarcurious.com/episodes/how-to-save-on-fuel-without-debt","audioUrl":"https://pdcn.co/e/www.buzzsprout.com/246908/episodes/18934331-how-to-save-on-fuel-without-debt.mp3","description":"Gas prices are high, but the fastest way to make them worse is chasing “savings” with the wrong plastic. We sit down with Chip Lupo from WalletHub to sort out the confusing world of gas credit cards, gas rewards, and cash back credit cards, including why some gas cards run 30% to 40% APR and the one rule that makes rewards actually work: pay it off in full every month.We get specific about how to choose a card without wrecking your credit score, from hard inquiries and timing your applications to avoiding annual fees that never pay you back. Chip also explains how intro 0% APR offers and sign-up bonuses can be helpful tools or expensive traps, and we talk through a real example of category-based cash back that can boost your fuel savings without changing your routine. Then we zoom in on the pump itself: credit card surcharges, when cash pricing can win, and why using a debit card at the pump is a fraud risk you do not need.After the money talk, Jeff’s Car Culture heads into the garage with five tool brands mechanics choose over Snap On, including value picks, specialty options, and warranty-friendly brands that can keep your toolbox strong without draining your wallet. We also share what we are promoting next, including our Tail Pipes and Tacos Easter cruise-in and how to catch the live show.If you like practical car talk you can use today, subscribe, share this with a friend who’s always chasing points, and leave us a review so more drivers can find the show.Be sure to subscribe for more In Wheel Time Car Talk!The Lupe' Tortilla RestaurantsLupe Tortilla in Katy, Texas Gulf Coast Auto ShieldPaint protection, tint, and more!Disclaimer: This post contains affiliate links. If you make a purchase, I may receive a commission at no extra cost to you.----  ----- Want more In Wheel Time car talk any time?     In Wheel Time is now available on Audacy!  Just go to Audacy.com/InWheelTime where ever you are.-----   -----Be sure to subscribe on your favorite podcast provider for the next episode of In Wheel Time Podcast and check out our live multiplatform broadcast every Saturday, 10a - 12nCT simulcasting on Audacy, YouTube, Facebook, Twitter, Twitch and InWheelTime.com.In Wheel Time Podcast can be heard on you mobile device from providers such as:Apple Podcasts, Amazon Music Podcast, Spotify, SiriusXM Podcast, iHeartRadio podcast, TuneIn + Alexa, Podcast Addict, Castro, Castbox, YouTube Podcast and more on your mobile device.Follow InWheelTime.com for the latest updates!Twitter: https://twitter.com/InWheelTimeInstagram: https://www.instagram.com/inwheeltime/https://www.youtube.com/inwheeltimehttps://www.Facebook.com/InWheelTimeFor more information about In Wheel Time Podcast, email us at info@inwheeltime.com"},"annotations":[{"startTime":9.1,"endTime":15.0,"type":"company","title":"WalletHub","url":"/glossary/wallethub","quote":"We talk gas credit cards with Chip Lupo at WalletHub. Boy, have I got something to tell him.","canonicalId":"company:wallethub","priority":0.5,"confidence":0.9,"source":"hybrid-fuzzy+gpt-5.4-nano","data":{"explanation":"WalletHub is a personal finance website that compares financial products like credit cards. In the episode, it’s mentioned in the context of gas credit cards, implying they’re using data/rankings to find better deals.","simplifiedExplanation":"WalletHub is a website that helps people compare money products. Here, it’s being used as a reference point for choosing gas credit cards."}},{"startTime":9.1,"endTime":47.8,"type":"term","title":"gas credit cards","url":"/glossary/gas-credit-cards","quote":"We talk gas credit cards with Chip Lupo at WalletHub. ... Chip Lupo, wallet hub, gas credit cards, and the best ones to combat high prices.","canonicalId":"term:gas-credit-cards","priority":0.9,"confidence":0.92,"source":"hybrid-fuzzy+gpt-5.4-nano","data":{"explanation":"Gas credit cards are credit cards that offer rewards or cash back specifically tied to fuel purchases. For fuel-cost savings, listeners should pay attention to reward rates, redemption rules, and whether the card’s annual fees outweigh the benefits.","simplifiedExplanation":"A gas credit card is a credit card that gives you extra rewards when you buy gas. The key is making sure the rewards are worth it and that you don’t pay interest or fees that cancel out the savings."}},{"startTime":9.1,"endTime":15.0,"type":"company","title":"Chip Lupo","url":"/glossary/chip-lupo","quote":"We talk gas credit cards with Chip Lupo at WalletHub. Boy, have I got something to tell him.","canonicalId":"company:chip-lupo","priority":0.5,"confidence":0.85,"source":"hybrid-fuzzy+gpt-5.4-nano","data":{"explanation":"Chip Lupo is a personal finance expert associated with WalletHub. His presence signals the discussion will focus on credit-card strategy for lowering fuel costs.","simplifiedExplanation":"Chip Lupo is a finance expert who helps people pick credit cards. In this episode, he’s there to talk about ways credit cards can reduce what you pay for gas."}},{"startTime":71.5,"endTime":119.0,"type":"term","title":"gas company credit card","url":"/glossary/gas-company-credit-card","quote":"I thought, you know, I haven't had a gas company credit card in forever... I thought that, 20% interest rate on the credit card was a lot... The gas company credit cards were like 36, 40% interest rate on the gas credit card.","canonicalId":"term:gas-company-credit-card","priority":0.9,"confidence":0.9,"source":"hybrid-fuzzy+gpt-5.4-nano","data":{"explanation":"A gas company credit card is a store-branded credit card tied to a specific fuel retailer (like a branded station chain). These cards often come with fuel-related perks, but the big tradeoff can be high interest rates if you carry a balance.","simplifiedExplanation":"This is a credit card from a gas station brand. It may offer discounts or points on gas, but if you don’t pay it off, the interest can get expensive fast."}},{"startTime":88.1,"endTime":92.5,"type":"brand","title":"Chevron","url":"/glossary/chevron","quote":"You had to have a gas credit card... I always had a Chevron card, always bought my gas at Chevron, all that.","canonicalId":"brand:chevron","priority":0.5,"confidence":0.9,"source":"hybrid-fuzzy+gpt-5.4-nano","data":{"explanation":"Chevron is a major U.S. fuel brand, and it has historically offered branded payment products (like a Chevron credit card) to encourage loyalty at its stations. In this segment, the host uses it as an example of always buying gas at one brand using a dedicated card.","simplifiedExplanation":"Chevron is a big gas station brand. The speaker is saying they used to have a Chevron card and always bought their gas there."}},{"startTime":103.4,"endTime":116.0,"type":"term","title":"interest rate","url":"/glossary/interest-rate","quote":"I thought that, you know, 20% interest rate on the credit card was a lot... The gas company credit cards were like 36, 40% interest rate on the gas credit card.","canonicalId":"term:interest-rate","priority":0.9,"confidence":0.95,"source":"hybrid-fuzzy+gpt-5.4-nano","data":{"explanation":"The interest rate is the cost of borrowing money on a credit card. When the interest rate is very high, carrying a balance can quickly erase any savings you get from gas discounts.","simplifiedExplanation":"Interest rate is what the credit card charges you for owing money. If it’s high and you don’t pay the balance off, the cost can grow quickly."}},{"startTime":198.6,"endTime":213.0,"type":"concept","title":"pays your bill in full every month","url":"/glossary/pays-your-bill-in-full-every-month","quote":"[198.6s] ...if you are someone who pays your bill in full every month.\n[213.0s] Because as you mentioned...if you pay it in full every month, then this is not a problem.","canonicalId":"concept:pays-your-bill-in-full-every-month","priority":0.9,"confidence":0.9,"source":"hybrid-fuzzy+gpt-5.4-nano","data":{"explanation":"Paying a credit card balance in full each month avoids interest charges, which is crucial for rewards cards to actually save money. The episode emphasizes that if you pay in full, the credit-card strategy isn’t a problem.","simplifiedExplanation":"This means you don’t carry a balance—so you avoid interest fees. Rewards cards only really help if you can pay the statement amount each month."}},{"startTime":401.9,"endTime":405.0,"type":"term","title":"ATM","url":"/glossary/atm","quote":"But if you know, if you know, then it's pretty easy to go to your bank's ATM, uh, wherever that may be around you and get the cash and go pay cash for the gas.","canonicalId":"term:atm","priority":0.5,"confidence":0.9,"source":"hybrid-fuzzy+gpt-5.4-nano","data":{"explanation":"ATM is an Automated Teller Machine—where you can withdraw cash from your bank account. In the context of this episode, the host is describing paying for fuel with cash rather than using credit or financing.","simplifiedExplanation":"An ATM is a machine at a bank (or nearby) where you can pull cash out of your account. They’re saying you can get cash and pay for gas right away."}},{"startTime":401.9,"endTime":415.4,"type":"term","title":"pay cash for gas","url":"/glossary/pay-cash-for-gas","quote":"...get the cash and go pay cash for the gas. [415.4s] I mean, um every once in a while I will pay cash for gas.","canonicalId":"term:pay-cash-for-gas","priority":0.5,"confidence":0.85,"source":"hybrid-fuzzy+gpt-5.4-nano","data":{"explanation":"Paying cash for gasoline can sometimes help avoid credit-card interest, fees, or overspending. The episode frames it as a simple way to keep fuel costs controlled without taking on debt.","simplifiedExplanation":"Paying cash means you use money you already have instead of borrowing. The point here is to avoid getting into debt just to buy gas."}},{"startTime":433.2,"endTime":442.9,"type":"term","title":"cents per gallon","url":"/glossary/cents-per-gallon","quote":"...I'll buy that and I get the whole ten cents per gallon uh extra taken off of my bill.","canonicalId":"term:cents-per-gallon","priority":0.5,"confidence":0.9,"source":"hybrid-fuzzy+gpt-5.4-nano","data":{"explanation":"“Cents per gallon” is a common way gas discounts are advertised—how much cheaper each gallon becomes. The host mentions getting “extra” taken off the bill in that unit, which is the key math for comparing fuel deals.","simplifiedExplanation":"Gas discounts are often listed as “cents per gallon,” meaning how much cheaper one gallon is. If the discount is bigger, each gallon costs less."}},{"startTime":443.1,"endTime":448.2,"type":"company","title":"Kroger","url":"/glossary/kroger","quote":"And but the same principle on my end, I use the Kroger card because you get pennies off for cents off.","canonicalId":"company:kroger","priority":0.5,"confidence":0.9,"source":"hybrid-fuzzy+gpt-5.4-nano","data":{"explanation":"Kroger is a major grocery retailer that also runs fuel programs at participating stations. The episode references using a Kroger card to earn fuel discounts (typically tied to loyalty or rewards).","simplifiedExplanation":"Kroger is a big grocery store chain. They also have a rewards/discount program that can lower the price of gas at their stations."}},{"startTime":496.6,"endTime":505.2,"type":"company","title":"Conoco","url":"/glossary/conoco","quote":"Okay,it'sConoco. That'sthey'reinthebusinesstomakeandsellgasoline. Itdoesn'tmakeanydifferencewhatstationitis.","canonicalId":"company:conoco","priority":0.5,"confidence":0.85,"source":"hybrid-fuzzy+gpt-5.4-nano","data":{"explanation":"Conoco is a gasoline brand associated with ConocoPhillips, a major fuel producer and marketer. The point in the segment is that the brand name can affect what you pay at the pump, even if the fuel is otherwise similar.","simplifiedExplanation":"Conoco is a gas brand. The hosts are saying the station’s brand can change the price you see at the pump."}},{"startTime":654.1,"endTime":666.0,"type":"term","title":"hard pull or hard inquiry","url":"/glossary/hard-pull-or-hard-inquiry","quote":"That's known as a hard pull or hard inquiry, and it'll it'll ding your credit report by a couple of points, but those will go away within a couple of months as long as you're maintaining you know a good credit history.","canonicalId":"term:hard-pull-or-hard-inquiry","priority":0.9,"confidence":0.95,"source":"hybrid-fuzzy+gpt-5.4-nano","data":{"explanation":"A hard pull (hard inquiry) happens when a lender checks your credit report to decide whether to approve a new credit card. It can temporarily lower your credit score because it signals new credit-seeking activity.","simplifiedExplanation":"A hard inquiry is when a credit card company checks your credit report before approving you. It can drop your score a little for a short time, then usually improves."}},{"startTime":721.3,"endTime":728.2,"type":"term","title":"annual fee","url":"/glossary/annual-fee","quote":"Mostrewardcardswillchargeyouanannualfee,usually$95. Areyoukiddingme?","canonicalId":"term:annual-fee","priority":0.9,"confidence":0.95,"source":"hybrid-fuzzy+gpt-5.4-nano","data":{"explanation":"An annual fee is a yearly charge for having a credit card, regardless of how much you use it. When comparing cards, you need to estimate whether the rewards you earn will exceed that fee.","simplifiedExplanation":"Some credit cards charge you money every year just for using the card. You want to make sure the benefits you get are worth paying that yearly cost."}},{"startTime":731.5,"endTime":737.5,"type":"brand","title":"American Express card","url":"/glossary/american-express-card","quote":"It'sliketheAmericanExpresscard,andtheychargeyouwhateveritistoday,$500ayear? No.","canonicalId":"brand:american-express-card","priority":0.5,"confidence":0.85,"source":"hybrid-fuzzy+gpt-5.4-nano","data":{"explanation":"American Express (Amex) is a major credit card issuer known for premium cards and reward programs. In this context, it’s used as an example of a card that can have a high annual cost.","simplifiedExplanation":"American Express is a company that issues credit cards. Here it’s mentioned as an example of a card that can cost a lot per year."}},{"startTime":785.9,"endTime":795.8,"type":"term","title":"0% APR","url":"/glossary/0-apr","quote":"Nowyoucanalso,therearecreditcardsouttherethat'llgiveyouanintroductory0%APRfromanywherefromsixmonthsto18,21months,dependingonthecard.","canonicalId":"term:0-apr","priority":0.9,"confidence":0.95,"source":"hybrid-fuzzy+gpt-5.4-nano","data":{"explanation":"0% APR means the card charges no interest for a promotional period (often for purchases or balance transfers). This can make it possible to finance a big expense without paying interest—if you pay it off before the promo ends.","simplifiedExplanation":"0% APR means you won’t be charged interest for a limited time. It’s helpful for big purchases only if you can pay it off before that time runs out."}},{"startTime":971.6,"endTime":986.4,"type":"term","title":"top spending category","url":"/glossary/top-spending-category","quote":"...it will give you 5% cash back in your top spending category, up to $500 for billing cycle.","canonicalId":"term:top-spending-category","priority":0.5,"confidence":0.85,"source":"hybrid-fuzzy+gpt-5.4-nano","data":{"explanation":"A “top spending category” card structure lets you earn higher rewards in the category where you spend the most (or where you select). This matters for fuel savings because you want gas to be the category that earns the higher rate.","simplifiedExplanation":"Some cards let you earn a higher reward rate in the category you spend the most on. If gas is your top category, you get the better cashback for it."}},{"startTime":986.4,"endTime":1019.0,"type":"term","title":"cashback","url":"/glossary/cash-back","quote":"...called the City Custom Cash Card because it will give you 5% cash back in your top spending category...","canonicalId":"term:cash-back","priority":0.5,"confidence":0.9,"source":"hybrid-fuzzy+gpt-5.4-nano","data":{"explanation":"Cashback is money back (usually as a statement credit or direct reward) based on how much you spend. The segment uses cashback as the mechanism for lowering effective fuel cost.","simplifiedExplanation":"Cashback means you get a percentage of your purchase price back. Here, it’s how they’re trying to save money on gas."}},{"startTime":1119.4,"endTime":1124.6,"type":"term","title":"rewards","url":"/glossary/rewards","quote":"Hey,we'vegotextrarewardsthismonthonthisparticularcard,soifyou'regoingtothisparticularstore,useit. Andsometimesitworksout.","canonicalId":"term:rewards","priority":0.5,"confidence":0.85,"source":"hybrid-fuzzy+gpt-5.4-nano","data":{"explanation":"Credit card rewards are incentives (points, miles, or cash back) earned based on where and how you spend. The segment mentions “extra rewards this month,” which is a reminder that promos can change the best card to use for a given purchase."}},{"startTime":1140.0,"endTime":1144.0,"type":"company","title":"Snapon","url":"/glossary/snap-on","quote":"Hey,justaheadofJeff'sCarCulture,fivetoolbrandsthatmechanicschooseoverSnapon.","canonicalId":"company:snap-on","priority":0.5,"confidence":0.9,"source":"hybrid-fuzzy+gpt-5.4-nano","data":{"explanation":"Snap-on (often written as Snap-on) is a well-known premium tool brand used by many professional mechanics. The mention is comparing other tool brands to Snap-on based on what mechanics choose in real shops.","simplifiedExplanation":"Snap-on makes high-end tools that mechanics like because they’re durable. The host is saying some other brands are preferred over Snap-on."}},{"startTime":1160.0,"endTime":1170.0,"type":"concept","title":"cruise","url":"/glossary/cruise","quote":"TothetailpipesandtacoscruiseinattheLoopyTortillaTexMaxinKaty,April4th,8to11a.m.","canonicalId":"concept:cruise","priority":0.5,"confidence":0.85,"source":"hybrid-fuzzy+gpt-5.4-nano","data":{"explanation":"A cruise is a planned group drive where participants meet up and drive together to a destination. These events often include a social component, and sometimes awards or themed activities."}},{"startTime":1211.9,"endTime":1218.0,"type":"concept","title":"hot rod","url":"/glossary/hot-rod","quote":"There'llbecoffeeandadultbeverages,pluschilipeppertrophiesforthebesthotrod,bestmodernclassic,andbestclassic.","canonicalId":"concept:hot-rod","priority":0.5,"confidence":0.85,"source":"hybrid-fuzzy+gpt-5.4-nano","data":{"explanation":"A hot rod is typically a modified car built for performance and style, often associated with earlier eras of American car culture. The segment references awards for “best hot rod,” indicating the event will judge cars by category."}},{"startTime":1320.2,"endTime":1324.3,"type":"concept","title":"budget","url":"/glossary/budget","quote":"TherearemultiplereasonswhypeoplechooseorrecommenddifferentnamesoverSnapon,includingbrandloyalty,accessibility,personalpreferences,andanotherbigreasonis thatuhjustfillingoutthebudget,uhfillingoutyourtoolkit,tooexpensive,somecasesdependingonthetoolitself.","canonicalId":"concept:budget","priority":0.5,"confidence":0.85,"source":"hybrid-fuzzy+gpt-5.4-nano","data":{"explanation":"The episode highlights budget as a key driver in choosing tools. Even when premium brands are preferred, many people end up selecting different brands to build a complete toolkit without overspending."}},{"startTime":1377.3,"endTime":1388.5,"type":"company","title":"GearWrench","url":"/glossary/gearwrench","quote":"UhthenextoneisGearWrench. Manydifferentgearwrenchtools,products,andmechanicscanuseeveryday.","canonicalId":"company:gearwrench","priority":0.5,"confidence":0.85,"source":"hybrid-fuzzy+gpt-5.4-nano","data":{"explanation":"GearWrench is a tool brand associated with ratcheting and wrench-style tools commonly used by mechanics. The segment emphasizes that mechanics often list GearWrench among their favorite tools, with quality, pricing, and warranty/availability framed as key reasons.","simplifiedExplanation":"GearWrench is a brand that makes wrenches and ratcheting tools. The host is saying mechanics like them because they’re good quality and easy to find."}},{"startTime":1532.3,"endTime":1538.2,"type":"company","title":"Craftsman","url":"/glossary/craftsman","quote":"So um craftsman used to be sold at Sears and Rican Made and all that. You got a torque wrench?","canonicalId":"company:craftsman","priority":0.5,"confidence":0.85,"source":"hybrid-fuzzy+gpt-5.4-nano","data":{"explanation":"Craftsman is a well-known American tool brand, and the speaker mentions its historical availability through Sears. Brand ownership and manufacturing location shifts over the years can influence perceived quality and warranty experience.","simplifiedExplanation":"Craftsman is a tool brand many people recognize. The host is saying it used to be sold at Sears, and that brand details can change over time."}},{"startTime":1538.2,"endTime":1565.8,"type":"term","title":"torque wrench","url":"/glossary/torque-wrench","quote":"You got a torque wrench? They strong recommend the brand, though concede that it can be expensive for some of the products... Because you know, they were sold with an unlimited forever lifetime warranty. They lied... like for instance a torque wrench, which I did.","canonicalId":"term:torque-wrench","priority":0.5,"confidence":0.9,"source":"hybrid-fuzzy+gpt-5.4-nano","data":{"explanation":"A torque wrench is a precision tool used to tighten fasteners to a specific torque value. It’s commonly used for jobs where correct clamping force matters, like wheel lug nuts and engine/critical fasteners.","simplifiedExplanation":"A torque wrench is a tool that tightens bolts to a specific “tightness” setting. It helps prevent over-tightening or under-tightening important bolts."}},{"startTime":1546.9,"endTime":1555.2,"type":"concept","title":"lifetime warranty","url":"/glossary/lifetime-warranty","quote":"Because you know, they were sold with an unlimited forever lifetime warranty. They lied. Yeah, they did.","canonicalId":"concept:lifetime-warranty","priority":0.5,"confidence":0.85,"source":"hybrid-fuzzy+gpt-5.4-nano","data":{"explanation":"A lifetime warranty is a promise that the manufacturer will repair or replace a product for the duration of the product’s life (or sometimes the owner’s life). In practice, warranty language can vary widely, and fulfillment can be difficult if the company changes ownership or goes out of business.","simplifiedExplanation":"A lifetime warranty is supposed to mean the company will stand behind the product for a long time. But the details matter—sometimes it’s hard to actually get help if something breaks."}},{"startTime":1672.8,"endTime":1723.0,"type":"company","title":"GulfCoastAutoShield","url":"/glossary/gulf-coast-auto-shield","quote":"Well,whynotletGulfCoastAutoShieldprotectit? ... GulfCoastAutoShieldiswhereHouston'scarpeoplego.","canonicalId":"company:gulf-coast-auto-shield","priority":0.5,"confidence":0.9,"source":"hybrid-fuzzy+gpt-5.4-nano","data":{"explanation":"GulfCoastAutoShield is an automotive shop in Houston that offers exterior protection and cosmetic services. In the segment, they’re positioned as a place to protect paint and glass rather than buying a new car.","simplifiedExplanation":"GulfCoastAutoShield is a local shop that helps protect the outside of your car. Instead of replacing the car, they offer services that keep the paint and glass looking better for longer."}},{"startTime":1683.6,"endTime":1698.3,"type":"term","title":"ceramic coating","url":"/glossary/ceramic-coating","quote":"Whether you're looking to massage your original paint to a like new appearance, apply a ceramic coating, apply a ceramic coating, install a paint protection film...","canonicalId":"term:ceramic-coating","priority":0.5,"confidence":0.9,"source":"hybrid-fuzzy+gpt-5.4-nano","data":{"explanation":"A ceramic coating is a liquid polymer/ceramic layer applied to a car’s paint to add hydrophobic water beading and extra chemical/UV resistance. It’s meant to make washing easier and help protect the finish from everyday contaminants."}},{"startTime":1683.6,"endTime":1698.3,"type":"term","title":"paint protection film","url":"/glossary/paint-protection-film","quote":"...apply a ceramic coating, installapaint protection film, nanoceramic window tint, or new windshield protection called Exoshield...","canonicalId":"term:paint-protection-film","priority":0.5,"confidence":0.9,"source":"hybrid-fuzzy+gpt-5.4-nano","data":{"explanation":"Paint protection film (PPF) is a clear, durable film applied to high-impact areas like the hood, bumper, and fenders. It’s designed to protect against rock chips, light scratches, and road debris.","simplifiedExplanation":"Paint protection film is a clear protective sheet that sticks to your car’s paint. It helps prevent rock chips and minor scratches in the areas that get hit most."}},{"startTime":1701.8,"endTime":1706.3,"type":"term","title":"radar detector","url":"/glossary/radar-detector","quote":"Howaboutaprofessionallyinstalledradardetector? GulfCoastAutoShielddoesthattoo.","canonicalId":"term:radar-detector","priority":0.5,"confidence":0.9,"source":"hybrid-fuzzy+gpt-5.4-nano","data":{"explanation":"A radar detector is an electronic device that alerts the driver to radar signals used by law enforcement for speed enforcement. The segment frames it as another professionally installed exterior/vehicle accessory service."}}],"speakers":[{"id":"s1","name":"In Wheel Time Podcast | Automotive talk with Don Armstrong","role":"host"},{"id":"s2","name":"Michael Marrs","role":"host"},{"id":"s3","name":"Jeff Dziekan","role":"host"}],"transcripts":[{"url":"http://getcarcurious.com/episodes/how-to-save-on-fuel-without-debt/transcript.vtt","type":"text/vtt"}]}