The sound of his bike is amazing!
Translation for this interested: He's basically talking to his friend on the phone, and they're arguing about when the bank closes. It's rush-hour, and he is very certain the TD bank near his house closes at 5pm, but his friend is telling him over and over that they recently changed their hours and it's now open until 8pm. There's a lot of back and forth about not needing to rush to the bank anymore, and how the prime-rate is forecast to drop which will help lower his mortgage payments because he choose variable instead of fixed... blah blah. In the end the rider is heard exclaiming, "Impossible! Banking can't be this comfortable!"