00:06.930 --> 00:08.370 Sean Murray: Hello, everybody, I'm Sean Murray. 00:08.510 --> 00:10.130 Johny Fernandez: And I'm Johny. Fernandez here with deBanked. 00:10.160 --> 00:12.890 News Live, we apologize for the inconvenience, we had some 00:12.890 --> 00:15.620 technical issues. So we're gonna go ahead and just talk about 00:15.620 --> 00:19.310 what we were recently talking about in regards to the topics, 00:19.310 --> 00:23.060 and then we'll just continue, like normal. So we first started 00:23.060 --> 00:26.390 with stimulus check that it is a big topic on everyone's mind. 00:26.390 --> 00:29.300 Everyone's been talking about it, it actually passed last 00:29.300 --> 00:32.600 Thursday, and people will be seeing the money inside of their 00:32.600 --> 00:35.510 accounts, probably within the next few days. So if you're 00:35.510 --> 00:39.410 single individual $1,400, if you are if you file jointly, and 00:39.410 --> 00:42.380 your tax, and you're receiving $2,800. But it's really 00:42.380 --> 00:45.530 interesting, because obviously, that is something everyone has 00:45.530 --> 00:47.510 looked forward to it. A lot of people have used that money 00:47.510 --> 00:51.200 towards other things, you know, like paying off debt. And that 00:51.200 --> 00:54.170 kind of ties into the second topic that we have been talking 00:54.170 --> 00:58.460 about after the stimulus check was how certain companies have 00:58.490 --> 01:02.030 seen their earnings report go up, compared to what they 01:02.030 --> 01:02.900 thought it was going to be. 01:03.140 --> 01:06.260 Sean Murray: Yeah. So I think you're talking about Prosper, 01:06.290 --> 01:09.470 right and or and LendingClub. And so LendingClub last year, 01:09.470 --> 01:11.990 they reported that they had a, they actually had a really good 01:11.990 --> 01:14.630 year in terms of borrower performance. And in the middle 01:14.630 --> 01:17.930 of the year, they thought it was because of the stimulus. And it 01:17.930 --> 01:20.180 turns out, they're not alone. They were not an outlier, 01:20.450 --> 01:24.710 Prosper, Prosper marketplace. They are LendingClub competitor, 01:24.710 --> 01:27.050 they offer online loans. They used to be known as a peer to 01:27.050 --> 01:30.770 peer lender, but they're hardly peer to peer anymore, like 99%, 01:31.280 --> 01:35.540 non peer. And they reported the $18.5 million profit for the 01:35.540 --> 01:40.760 year of 2020. And that just came out this morning. And, you know, 01:40.760 --> 01:45.170 and the previous year, they had a $13.7 million loss. So they 01:45.170 --> 01:48.710 had like, basically their best year every year in COVID. Right? 01:49.040 --> 01:52.670 Johny Fernandez: And people are like, other companies are pretty 01:52.670 --> 01:56.450 much closing. But these guys, they really just, you know, 01:56.750 --> 01:58.280 regained everything that they want. 01:58.330 --> 02:00.070 Sean Murray: Yeah, well, it seems like the business lenders 02:00.070 --> 02:02.350 are the ones that got hurt. And the consumer lenders are the 02:02.350 --> 02:04.750 ones that did well. And I think a lot of it has to do with the 02:04.750 --> 02:08.620 stimulus. And people seemed like they did a lot of different 02:08.620 --> 02:12.580 things. I think people are invested in stocks, to be honest 02:12.580 --> 02:14.800 with you. I think they put it into the Robin Hood accounts. 02:16.300 --> 02:18.610 And I think they pay down their debt, I think they put it 02:18.640 --> 02:21.730 towards their LendingClub loan, their Prosper loan, their credit 02:21.730 --> 02:24.040 card bills, and so forth. I mean, all you really need to do 02:24.040 --> 02:27.700 is make the monthly payments, right? And so it doesn't mean 02:27.700 --> 02:29.830 that these loans were paid off in full, although I think 02:29.830 --> 02:33.070 Lending Club said they actually had more loans paid off in full 02:33.220 --> 02:36.070 than they otherwise normally would have had. But in any case, 02:36.070 --> 02:41.350 I think people use and are using their stimulus to make payments 02:41.380 --> 02:43.660 on their consumer loans. And hence you have companies like 02:43.660 --> 02:45.340 Prosper that just had a really, really good year. 02:45.400 --> 02:47.590 Johny Fernandez: Yeah. So it's it's also interesting to see 02:47.620 --> 02:50.650 what other companies will come out with throughout the year, 02:50.650 --> 02:53.920 but last year to see how this whole thing really did end up 02:53.920 --> 02:57.640 affecting them whether they want it whether they want. So be 02:57.790 --> 03:03.070 interesting. So something we've been talking about, I know last 03:03.070 --> 03:05.950 time, we spoke about just the lifestyle, but now we'll talk 03:05.950 --> 03:09.190 about when it comes to broker leads. So Sean, let's go in and 03:09.190 --> 03:12.790 talk about that walk us through how that process worked, and how 03:12.790 --> 03:16.120 that pretty much ends up making a broker successful? Like how 03:16.120 --> 03:20.050 will they be able to use out of the gain leads to pretty much 03:20.050 --> 03:21.280 move their company forward? 03:22.110 --> 03:24.750 Sean Murray: Yeah, so I think the whole game of leads is 03:24.750 --> 03:29.850 changing. A lot of that is because of technology. It's kind 03:29.850 --> 03:34.320 of a blanket statement. But I think a lot of tech that 03:34.320 --> 03:39.570 business owners use now they have a funding option built in. 03:40.740 --> 03:43.860 This doesn't really fit in with the term embedded finance, but 03:44.310 --> 03:47.520 it kind of perfectly describes it, because what you use for 03:47.520 --> 03:51.300 your to your point of sale, or whatever, you might use it just 03:51.300 --> 03:55.530 to track inventory, record your revenue, whatever, you know, do 03:55.530 --> 03:58.770 your P&L, etc. But a lot of these technologies now have a 03:58.770 --> 04:04.170 like a funding button in that, like I get funded. Yeah. So you 04:04.170 --> 04:06.660 could just be a store owner, and you're like, I really need to 04:06.900 --> 04:11.310 get some money. And 5, 10 years ago, we will be sitting here and 04:11.370 --> 04:14.730 you will be saying, well, business owners, they go on 04:14.730 --> 04:17.700 Google. Yeah. And they search, right? But they don't need to do 04:17.700 --> 04:21.420 that anymore. They can literally just go into the software and 04:21.450 --> 04:25.110 click the Get funding button, right. And they can either get 04:25.110 --> 04:28.080 pre approved, or they can actually just get approved right 04:28.080 --> 04:30.690 there on the spot and get the money in their account is as 04:30.720 --> 04:34.170 early as the next day. And so I think the whole kind of game of 04:34.170 --> 04:36.750 leads is changing from that standpoint. Because if you're an 04:36.750 --> 04:40.170 independent broker, and Oh, I need to buy leads. And I need to 04:40.170 --> 04:43.350 call people email people who might need money. You're not 04:43.350 --> 04:45.900 competing against other brokers anymore. You're competing 04:45.900 --> 04:50.610 against technology that is, you know, putting it right in front 04:50.610 --> 04:56.550 of somebody's face. And half the battle in convincing a stranger 04:56.610 --> 05:00.060 to apply with you is trust. And if you're using a cell phone 05:00.060 --> 05:03.780 Were that you already that you already trust, they do your 05:03.780 --> 05:07.980 accounting or you know, whatever it is, then that is a strong 05:07.980 --> 05:10.110 advantage, because they already trust it. And so you're 05:10.110 --> 05:14.250 competing against that. But the other side of that is, if you're 05:14.250 --> 05:16.920 a broker, like, well, I'm never gonna be able to create my own 05:17.130 --> 05:20.970 point of sale software, you know what I mean? The other side to 05:20.970 --> 05:27.720 that is, it goes back to whether or not merchants or borrowers or 05:27.720 --> 05:32.520 whatever, are going to use a single source of capital, there 05:32.520 --> 05:35.160 was a theory that was floated around like, five, six years 05:35.160 --> 05:38.250 ago, and the small business finance industry, that if you 05:38.250 --> 05:43.230 offer the cheapest financing, you would win. And the thought 05:43.230 --> 05:49.650 process was, customers only take the cheapest. The end. And so 05:49.650 --> 05:54.060 you could come in undercut the whole market. And all the other 05:54.060 --> 05:56.820 competitors offering higher cost products, were just going to die 05:56.820 --> 05:59.850 out. And it was just a waiting game until, until that happened. 05:59.970 --> 06:02.400 So you could you could lend at a loss for you know, 06:02.430 --> 06:05.040 theoretically, the thought the thought was, you can lend at a 06:05.040 --> 06:08.880 loss for a long time, let all the high cost companies die. And 06:08.880 --> 06:13.050 then you could do what you need to do to make money, right. But 06:13.080 --> 06:17.580 what they didn't expect is that customers didn't just choose the 06:17.580 --> 06:22.500 lowest cost product, they use the lowest cost product. But 06:22.500 --> 06:25.290 then they also went and they chose another product, there was 06:25.290 --> 06:29.310 a tendency for customers to use multiple products. And so what 06:29.310 --> 06:33.030 the lower cost companies didn't get is that if customers are 06:33.030 --> 06:36.840 using both, then does it really make sense? You wouldn't mean 06:36.840 --> 06:40.410 like that you weren't gonna win anything. Because you weren't, 06:40.440 --> 06:44.190 you weren't replacing your competitor, those borrowers, 06:44.190 --> 06:46.950 those merchants were using both products. And so if you're a 06:46.950 --> 06:49.650 broker out there, and you're wondering, I'm never going to be 06:49.680 --> 06:52.470 the next, you know, QuickBooks capital, I'm never going to be 06:52.470 --> 06:56.940 the next Square Capital, I get it. And so these are, you know, 06:56.940 --> 07:00.540 you have to worry, and you have to compete against the buttons. 07:00.540 --> 07:03.720 But at the same time, you can offer something that these 07:03.720 --> 07:07.620 customers can use, hopefully, in addition to what the button is 07:07.620 --> 07:14.250 already giving them. And perhaps that's a way to think about how 07:14.250 --> 07:17.100 to even improve your your pitch, right? If these customers are 07:17.100 --> 07:21.090 used to something with the button in the software, how do 07:21.090 --> 07:25.770 you with the stranger using more old fashioned methods, like cold 07:25.770 --> 07:28.980 calling, or direct mail and stuff? How are you going to 07:28.980 --> 07:31.950 build that trust? Is there a way that you can piggyback off of 07:32.310 --> 07:36.450 these new ways that customers interact with lenders? That's 07:36.450 --> 07:38.190 something that's something that everybody should be thinking 07:38.190 --> 07:38.550 about? 07:38.550 --> 07:40.200 Johny Fernandez: Yeah, that's interesting, especially this 07:40.200 --> 07:43.320 year, because I feel like there's so much change that has 07:43.320 --> 07:47.100 gone on and people can eat as much help and maybe adjust as 07:47.100 --> 07:50.970 they can. Everyone needs to help at this point. So yeah, you're 07:50.970 --> 07:54.150 just gonna see how the year turns out for businesses and 07:54.150 --> 07:58.080 companies and just across the board? Like, so let me ask you 07:58.080 --> 08:00.510 Something, what do you think, you know, the next step is for 08:00.510 --> 08:04.470 people that are, you know, trying to move forward after a 08:04.470 --> 08:07.800 rough year in 2020? You know, in regards to like, the broker 08:07.800 --> 08:11.040 like, What steps do you think you'd have to take to make sure 08:11.040 --> 08:12.990 they stay afloat? If they need it? 08:13.020 --> 08:15.930 Sean Murray: Yeah, well, I think we have to get used to the idea 08:15.930 --> 08:19.710 that the platforms that we all use social media and all this 08:19.710 --> 08:24.480 stuff, they're not going to be your friend, long term. And I 08:24.480 --> 08:28.290 say that because I think it was only two years ago, certain 08:28.290 --> 08:33.390 keywords on Google, you can no longer use to advertise under I 08:33.390 --> 08:37.830 think the cash advance keyword was taken away. So you can't run 08:37.830 --> 08:43.080 a paid ad on Google under the term cash advance. I think on 08:43.080 --> 08:46.620 Facebook, a similar change was just made, although I think it 08:46.620 --> 08:50.130 has more to do with whether or not you disclose an APR in your 08:50.130 --> 08:53.100 ad. So it might be similar for Google to where there's a 08:53.100 --> 08:58.260 mandatory APR disclosure in the advertising itself. And these 08:58.260 --> 09:02.940 are troublesome trends, not because not because of Oh, we 09:02.940 --> 09:05.910 don't want to disclose an APR. But because it shows how much 09:05.910 --> 09:10.650 the platforms have control over the messaging. And if you're 09:10.650 --> 09:13.290 trying to reach the customers, the threat is that the 09:13.290 --> 09:16.230 platform's are just going to decide one day, they don't want 09:16.230 --> 09:18.660 you there, or they're going to be the ones providing the 09:18.660 --> 09:21.900 product. I mean, what happens if Google becomes Google Capital? 09:21.930 --> 09:24.240 Yeah, and starts offering business loans. They say, 09:24.240 --> 09:27.210 nobody's going to be found but us. Yeah, that's a threat or 09:27.210 --> 09:29.010 FaceBook face or Instagram. 09:29.340 --> 09:31.560 Johny Fernandez: So you're saying if someone strictly has 09:31.590 --> 09:34.380 all their information when it comes to like, promotion, and 09:34.380 --> 09:37.380 advertising is everything on social media, they should 09:37.380 --> 09:40.290 rethink that generally, because I feel like a lot of people, 09:40.290 --> 09:43.830 they're leaning towards social media to make because that's 09:43.830 --> 09:46.200 where everything happens nowadays. A lot of people are 09:46.200 --> 09:48.540 leaning towards it, using it capitalizing on it, but in 09:48.540 --> 09:51.030 reality, that can all be taken away. 09:51.030 --> 09:54.900 Sean Murray: Yeah, I think, you know, if I had the if I had the 09:54.900 --> 09:58.110 answer, you know, the specific answer, I would share with 09:58.110 --> 10:01.080 everybody, but I think the broad answer is figure out ways to 10:01.080 --> 10:05.010 reach a direct relationship with the customer. It used to be all 10:05.010 --> 10:06.690 about you need to get on social media, you need to get on the 10:06.690 --> 10:09.360 platform and all this stuff to reach these people. And you 10:09.360 --> 10:13.230 still should while those things are available, we should also 10:13.230 --> 10:16.350 think about ways of how to reach customers directly, without all 10:16.350 --> 10:18.900 these other platforms, because there could come a time it could 10:18.900 --> 10:21.240 be in the next couple years, right? Where they're just like, 10:21.240 --> 10:23.130 we just don't want you here anymore. And where your 10:23.130 --> 10:26.190 competitors now. If you're competi-, you know, Google 10:26.190 --> 10:28.440 becomes Google Capital, Instagram become Instagram 10:28.440 --> 10:33.300 Capital, your whole world of trouble. I think, all these tech 10:33.300 --> 10:38.880 companies have the ability to scale in like, an extreme way. 10:39.360 --> 10:42.000 And if you're the smaller guy saying, I'm never going to be 10:42.000 --> 10:45.180 that, that's fine. I get it. You know what I mean? We're not all 10:45.180 --> 10:50.130 destined to be Google, and, you know, Square and Stripe and all 10:50.130 --> 10:54.330 that stuff, right? So think about how can you have a one to 10:54.330 --> 10:59.010 one relationship with your customer, that still kind of is 10:59.190 --> 11:02.580 more evolved than just, you know, cold calling them or, you 11:02.580 --> 11:04.500 know, setting them up? There's got to, you know, there's got to 11:04.500 --> 11:06.330 be something else. And that's what you should be thinking 11:07.200 --> 11:08.160 about out there. 11:08.580 --> 11:10.050 Johny Fernandez: Awesome. Great advice. 11:10.480 --> 11:12.400 Sean Murray: And that, well, I was just gonna say, you know, 11:12.460 --> 11:16.840 speaking in other platforms and stuff like that Stripe, right. 11:17.080 --> 11:20.950 Actually. Do you know what Stripe is? payment? Yeah, so 11:20.950 --> 11:25.390 stripe, stripe is the the payments company. And it's easy 11:25.390 --> 11:28.810 to say just payments, they actually are kind of a an 11:28.810 --> 11:33.700 industry leader in embedding, they're like a connector of 11:34.060 --> 11:40.300 payments to e-commerce for the most part. And what made them so 11:40.300 --> 11:43.480 successful so quickly, is that they basically give you 11:43.540 --> 11:46.300 essentially, like one line of code to plug into your 11:46.300 --> 11:49.270 e-commerce platform, that one line of code allows you to 11:49.270 --> 11:52.630 accept payments. And I know this, because when we were 11:52.660 --> 11:55.960 setting up our events platform, we thought about what are we 11:55.960 --> 11:58.840 going to do to accept credit cards, right, and I have a 11:58.840 --> 12:01.360 little bit of a background from that space. So I thought I was 12:01.360 --> 12:03.610 going to be the expert in it, but I'm like, it's gonna take 12:03.910 --> 12:08.230 gonna be a lot of work, all these steps. And then strap 12:08.230 --> 12:10.600 comes around, they're like, you just need this one line of code, 12:10.720 --> 12:13.720 you know, you plop it in, boom, you can accept payments and 12:13.720 --> 12:15.910 said, Okay, if it's, if it's that easy. 12:16.840 --> 12:17.320 Johny Fernandez: Let's do it! 12:17.320 --> 12:19.730 Sean Murray: Yeah, let's do it. Right? And, you know, you have 12:19.730 --> 12:21.440 to put in, like your bank account information, all that 12:21.440 --> 12:23.450 other stuff. But it was so quick, so easy in a line of 12:23.450 --> 12:26.630 code. And then we're working with a software that, you know, 12:27.050 --> 12:29.240 if I were to use something else, it was going to take all this, 12:29.420 --> 12:33.920 all this trial and error. So stripe has grown rapidly. And 12:33.980 --> 12:38.120 they just announced over the weekend that they raised $600 12:38.180 --> 12:41.540 million. 600 million, that's how much they raised. That's not the 12:41.540 --> 12:45.440 valuation, that's how much they really raised $600 million. And 12:45.440 --> 12:51.200 they now have a private market valuation of $95 billion. Well, 12:51.200 --> 12:55.100 this is a company that was founded in Ireland. So you know 12:55.100 --> 12:58.250 Johny Fernandez: That it's not even something? Yeah, yeah. 12:58.280 --> 13:01.430 Speakers: Yeah, we like we know what Americans we like to think 13:01.430 --> 13:05.030 that... [Cross-talk] 13:07.070 --> 13:08.960 Sean Murray: All these major companies are right from here, 13:08.960 --> 13:12.020 right. But that's not true. their headquarters is 13:12.020 --> 13:15.290 technically San Francisco. But their second, you know, the 13:15.290 --> 13:20.180 second biggest office is in Dublin. And with this new deal 13:20.420 --> 13:23.750 that they just made, they're actually going to bring 1000 new 13:23.750 --> 13:27.770 jobs to Dublin, and so Ireland's kind of on the map all of a 13:27.770 --> 13:31.550 sudden, and America isn't the only one innovating, you got 13:31.670 --> 13:35.090 companies from from abroad, who are doing business here and 13:35.120 --> 13:38.240 rapidly changing the world. But I think, you know, the main 13:38.240 --> 13:41.360 reason I bring up bring up Stripe, is that they came in 13:41.360 --> 13:44.570 with, like, you know, this, this line of code kind of thing. And 13:44.600 --> 13:48.440 they work with Shopify. Door dash, right. So if you're 13:48.440 --> 13:51.650 making a payment through Door dash, it's probably Stripe 13:52.040 --> 13:56.030 back end, right? Or, you know, if you're using Shopify, Stripe 13:56.030 --> 13:58.160 back end, right, just think about how much volume is in this 13:58.160 --> 14:02.720 platform. So it's unbelievable. And guess what Stripe also has a 14:02.720 --> 14:06.590 funding arm. So if you need money, you can clip you can 14:06.590 --> 14:08.810 click the get funded button on Stripe. 14:08.840 --> 14:11.300 Johny Fernandez: Right. And it's, it's, it's so interesting 14:11.330 --> 14:15.320 things have changed from what it normally would be, you know, 10, 14:15.320 --> 14:18.110 even 10 years ago, and now how things are now that you can just 14:18.950 --> 14:21.260 have so much resources out there. So... 14:21.380 --> 14:23.810 Sean Murray: yeah, it's, it's really incredible. And so, you 14:23.810 --> 14:27.050 know, I get that I get that on everybody out there. If you're, 14:27.050 --> 14:30.530 if you're a broker, or a small founder, that you're not going 14:30.530 --> 14:33.500 to be worth 95 billion, right? That's not going to happen to 14:33.500 --> 14:38.180 everybody. But you really got to think of ways to compete with 14:38.180 --> 14:45.230 that, or change your mindset to work around it. Because your 14:45.230 --> 14:49.340 customers already have that. And you're either going to be, you 14:49.340 --> 14:53.600 know, the second loan or advanced or whatever on top of 14:53.600 --> 14:56.840 it, or if you really want to be first, you know, before they 14:56.840 --> 14:59.510 click the funding button, and maybe there's a way to do that. 14:59.840 --> 15:02.150 But that's how you should be thinking, yeah. How do I get in? 15:03.020 --> 15:07.040 No way compete against the get funded button. Think about a one 15:07.040 --> 15:09.500 to one way to get in touch with those customers. 15:09.540 --> 15:11.670 Johny Fernandez: Yeah. So it's interesting. And it's always 15:11.670 --> 15:15.150 interesting to see what other businesses will come out with. 15:15.360 --> 15:17.580 Because obviously, throughout the year, we've just seen so 15:17.580 --> 15:20.580 much different changes in the industry and in the business. So 15:20.580 --> 15:23.880 it'll be interesting to see in the upcoming in the remainder of 15:23.880 --> 15:26.790 this year, just what changes wonder coming in, when new 15:26.790 --> 15:28.050 businesses will come along too. 15:29.370 --> 15:32.730 Sean Murray: Yeah, and speaking of changes, so you may have 15:32.730 --> 15:35.940 joined us today from our homepage. And no, this is not 15:35.940 --> 15:38.670 the first time we've ever been live. We've actually been doing 15:38.670 --> 15:39.360 this for... 15:39.390 --> 15:39.960 Johny Fernandez: quite some time. 15:39.960 --> 15:42.000 Sean Murray: Yeah, a couple of few months. Right, right. Yeah, 15:42.030 --> 15:44.790 we've been making videos for more than a year. But we started 15:44.790 --> 15:47.880 going live a couple months ago, you can actually see us live 15:47.880 --> 15:52.650 when we go live at deBanked.com/tv. It's been like 15:52.650 --> 15:56.100 that the whole time, on Monday, and on Wednesdays, but what's 15:56.100 --> 15:58.500 different today, and if you're joining us live, it's because we 15:58.500 --> 16:02.550 also now have a feature where a live stream will show up on the 16:02.550 --> 16:06.420 homepage of our site, whether you're on desktop, or you're on 16:06.420 --> 16:11.070 WiFi, or you're on mobile, so if you're on desktop, and your on 16:11.070 --> 16:14.070 the deBanked comm homepage, if you just scroll down a little 16:14.070 --> 16:18.120 bit to where you normally see a video bar or in a magazine, that 16:18.120 --> 16:21.240 video bar will change into the live stream. And if you're a 16:21.240 --> 16:25.350 mobile will be right below the links. And of course, this is 16:25.350 --> 16:28.620 all brand new. So if your breaks, as it did earlier, where 16:28.620 --> 16:30.360 we had some sound problems or whatever. 16:30.450 --> 16:30.960 Johny Fernandez: We'll fix it. 16:30.960 --> 16:32.730 Sean Murray: Yeah, well, we'll fix it, we'll fix it. Yeah. So 16:32.730 --> 16:35.310 you know, this, it's a work in progress. We're trying to make 16:35.310 --> 16:37.980 our own changes, you want to be worth, you know, $95 billion, 16:38.700 --> 16:43.680 one day, right? Yeah, and hire 1000 new people. So but if it 16:43.680 --> 16:47.070 breaks, you know, let let us know. Because we do have people 16:47.070 --> 16:49.920 who are who are watching the live streams internally, and all 16:49.920 --> 16:52.260 of that. But if you notice something is off, or you think 16:52.260 --> 16:54.480 there's a something we could do a feature, we could add an 16:54.480 --> 16:57.450 improvement? Let us know. Yeah, you can you can email me if you 16:57.450 --> 17:01.650 want to Sean@deBanked.com or you can email info@debanked.com 17:01.710 --> 17:04.470 Johny Fernandez: Or reach out to us via LinkedIn, Twitter, 17:04.470 --> 17:08.250 whatever, however you guys do it watching us definitely reach out 17:08.250 --> 17:10.680 to us because we're always looking for new ideas, new 17:10.680 --> 17:13.740 topics, just pretty much get the word out and make sure people 17:13.740 --> 17:14.490 stay informed. 17:14.510 --> 17:17.450 Sean Murray: Yeah. And if you ever want to be a guest an in 17:17.450 --> 17:21.200 person guest on our show, you can you can do that too. You can 17:21.200 --> 17:23.000 then that might be a little bit further down the line, if you 17:23.000 --> 17:28.190 know in the little bit more post COVID era. But we you know, we 17:28.190 --> 17:29.630 intend to have guests here too. 17:29.840 --> 17:30.980 Johny Fernandez: Guests sitting right here. 17:30.980 --> 17:32.720 Sean Murray: Yeah, you can be you can be sitting too long. 17:32.720 --> 17:35.690 Yeah, imaging, yeah. Imagine yourself in this chair and this chair 17:35.930 --> 17:38.690 Johny Fernandez: Would be great. Hang out with us. We are cool people 17:39.140 --> 17:42.680 Sean Murray: We'll get a chair this. Yeah, this is your spot. 17:43.670 --> 17:46.490 Johny Fernandez: So be great. But again, reach out to us via 17:46.520 --> 17:49.460 email, and social media, on Twitter, on LinkedIn on 17:49.460 --> 17:52.640 Facebook, and we definitely look forward to hearing from you. So 17:52.640 --> 17:55.010 again, I'm Johny Fernandez with deBanked News. 17:55.040 --> 17:56.840 Sean Murray: And I'm Sean Murray. I'll see you guys next 17:56.840 --> 17:57.140 time.