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And what's 00:00:05.912 --> 00:00:14.078 going on. So Sean, how's your weekend is finally here here 00:00:14.079 --> 00:00:18.241 in New York City to finally hit the 50s and 60s and are 00:00:18.242 --> 00:00:20.659 people watching. In South Florida. Probably really good so 00:00:20.659 --> 00:00:24.451 cold but I'm great why they're here so can't complain. So 00:00:24.451 --> 00:00:27.830 let's get straight to it. So in Maryland some big news 00:00:27.831 --> 00:00:31.350 coming out of Maryland. I know the latest merchant cash 00:00:31.351 --> 00:00:35.160 advance probation build failed to advance and all we had 00:00:35.161 --> 00:00:38.970 talked about it in recent episodes. It's a very similar bro 00:00:38.971 --> 00:00:41.760 that happened. That was Pat's here in New York. So let's 00:00:41.761 --> 00:00:44.400 talk about that the bill how it pretty much kind of hit a 00:00:44.401 --> 00:00:49.080 dead end about the bill because if you work if you work on 00:00:49.081 --> 00:00:52.615 the front lines with say your broker small plunger hearing 00:00:52.616 --> 00:00:56.467 about laws and I'm scared States like in a relatively 00:00:56.467 --> 00:00:58.550 obscure States and you might not be thinking about it. But 00:00:58.550 --> 00:01:00.199 what was unique about this particular bill 00:01:00.200 --> 00:01:03.854 Was that it was going to create an outright ban on merchant 00:01:03.855 --> 00:01:08.178 cash advance in the state of Maryland. In fact, they were 00:01:08.179 --> 00:01:11.624 in 2020 and was actually called merchant cash advance 00:01:11.625 --> 00:01:15.324 prohibition and the bill didn't go anywhere partly because 00:01:15.325 --> 00:01:27.819 of covid-19 event took the idea of the title didn't say 00:01:27.820 --> 00:01:31.299 prohibition the change the change the name of the language 00:01:31.300 --> 00:01:35.521 would have effectively outlawed MCA and part of that is 00:01:35.521 --> 00:01:41.759 because they had a 24% APR rate cap in the bill and I will 00:01:41.760 --> 00:01:45.024 talk. If you are here before and 00:01:45.625 --> 00:01:51.479 Why do they want to charge so much? It's not so much about 00:01:51.480 --> 00:01:55.644 how much they wanted to charge is more about what do not an 00:01:55.644 --> 00:02:00.316 APR can be calculated on an MCA transaction. And so that's 00:02:00.317 --> 00:02:02.386 where everyone kind of got stuck because you can't really 00:02:02.387 --> 00:02:08.204 can't calculate an APR on a merchant cash advance. It 00:02:08.205 --> 00:02:18.537 cannot be done. There are people out there but for the 00:02:18.537 --> 00:02:22.183 duration of it no longer apply that it's wrong and if 00:02:22.183 --> 00:02:25.273 you're always has to be correct, so they wanted people to 00:02:25.274 --> 00:02:28.155 disclose any PR and then they want to put a cap of 24% and 00:02:28.155 --> 00:02:33.462 that was going to blow the whole thing is soaring through 00:02:33.462 --> 00:02:35.573 the Maryland state legislature. I was watching the 00:02:35.574 --> 00:02:37.741 committee hearings. We put some of them up on on the 00:02:37.742 --> 00:02:45.601 website keybank.com TV. Talk about it yet. 00:02:45.602 --> 00:02:50.345 On Thursday, and it was a final committee Before the bill 00:02:50.346 --> 00:02:53.100 actually goes to the floor. So a lot of us thinking about 00:02:53.101 --> 00:02:58.705 for watching politicians, you know cast their votes has big 00:02:58.706 --> 00:03:09.905 bike stand up for about 25 or so members of a committee of 00:03:09.906 --> 00:03:13.048 economic matters committee and they all got together over 00:03:13.048 --> 00:03:15.033 soon to talk about this bill and whether or not it's not 00:03:15.033 --> 00:03:19.600 even go to the floor and they end up defeating the bill 00:03:19.601 --> 00:03:21.816 pretty handily and there are a lot of different reasons 00:03:21.816 --> 00:03:25.651 board at the time one being at the door all these 00:03:25.651 --> 00:03:28.046 amendments that were lined up and people weren't sure if 00:03:28.046 --> 00:03:31.181 they were you know that they understood them properly. They 00:03:31.181 --> 00:03:34.221 question the rate cap, and then there was even one member 00:03:34.221 --> 00:03:39.586 who was not sure why why they were attempting to restrict a 00:03:39.586 --> 00:03:44.036 type of business financing in the state during the time of 00:03:44.036 --> 00:03:45.521 what is going to be the backup. 00:03:45.521 --> 00:03:50.526 Maryland is small but has cities in there like like 00:03:50.526 --> 00:03:53.451 Baltimore going to have a lot of lot of business owners in 00:03:53.451 --> 00:03:56.401 Baltimore who can't get a loan from the bank and this was 00:03:56.401 --> 00:03:59.606 probably going to make it a lot harder for them to get 00:03:59.606 --> 00:04:04.216 anything at all. The bill is dead. But I think what we 00:04:04.216 --> 00:04:06.489 learn from it is that it's going to come back again next 00:04:06.489 --> 00:04:12.376 year and it's kind of like Similac what you said that it 00:04:12.376 --> 00:04:16.271 had popped up before and then it came back again with a 00:04:16.271 --> 00:04:19.536 different name in 2021. And it's very interesting that it's 00:04:19.536 --> 00:04:24.118 only we had talked about that the bill what have people had 00:04:24.118 --> 00:04:26.385 a lot of questions about it and main thing that happened 00:04:26.386 --> 00:04:29.396 here in New York that you know, the bill was presented but 00:04:29.396 --> 00:04:31.724 it left a lot of loose sentence at the end of the day and I 00:04:31.724 --> 00:04:35.021 would have questions about it. So interesting that a lot of 00:04:35.021 --> 00:04:38.006 these bills at end of passing or that want to get past 00:04:38.006 --> 00:04:41.856 completely there's always big questions and live open ended 00:04:41.856 --> 00:04:45.026 questions and then let's talk about the fact that you know, 00:04:45.026 --> 00:04:45.446 we saw 00:04:45.446 --> 00:04:48.506 Billy New York, we saw the bill in Maryland and then in 00:04:48.506 --> 00:04:52.368 Connecticut hopping up and very similar tactic as being 00:04:52.369 --> 00:04:59.636 used across the states netiquette. So this all came from a 00:04:59.637 --> 00:05:02.887 bill that passed in New York or I guess you could argue 00:05:02.887 --> 00:05:05.277 that it all started in California when they had a 00:05:05.277 --> 00:05:11.373 two-headed explosion blows past there but quite complicated 00:05:11.373 --> 00:05:14.862 after I passed in because that has an APR disclosure in it 00:05:14.862 --> 00:05:19.327 and lo and behold those who are in charge of administering, 00:05:19.327 --> 00:05:22.035 you know discretion over well enough people working to lock 00:05:22.035 --> 00:05:27.687 the conclusion that I don't think you can calculate one is 00:05:27.687 --> 00:05:30.214 so far. It's good to require disclosure back and try to do 00:05:30.214 --> 00:05:34.662 the math. It didn't really work that didn't stop New York 00:05:34.662 --> 00:05:37.997 from doing its own bill and they pass the law in New York 00:05:37.998 --> 00:05:45.417 that requires a mandatory APR disclosure on them, even if 00:05:45.418 --> 00:05:49.657 What an exhausting to be questioned for New York was a 00:05:49.657 --> 00:05:52.444 transaction that touch New York and then I was be quiet. 00:05:52.444 --> 00:05:54.724 There was a lot of questions about what exactly does it 00:05:54.724 --> 00:05:58.629 mean like doing doing business as in doing the transaction 00:05:58.630 --> 00:06:08.389 in New York. So it left a lot of loose in question as to 00:06:08.390 --> 00:06:10.430 whether or not the bill is language because it was so 00:06:10.430 --> 00:06:13.661 ambiguous as to whether or not you can operate your funding 00:06:13.661 --> 00:06:16.513 company in New York. Even if you're not funny New York 00:06:16.514 --> 00:06:20.008 business is now we're not lawyers. So, you know, we're not 00:06:20.008 --> 00:06:22.676 here to give you advice on what to do when you should be 00:06:22.677 --> 00:06:26.391 Consulting an attorney on that question because you know, 00:06:26.392 --> 00:06:29.066 you don't want to be operating in such a fashion thinking 00:06:29.067 --> 00:06:30.740 you're in compliance and then it just turned out one day 00:06:30.740 --> 00:06:35.600 new States government decides that you're not so that the 00:06:35.600 --> 00:06:38.675 New York law kind of got typing and pasted into the 00:06:38.675 --> 00:06:41.300 Maryland Bill and then they had all these other things to 00:06:41.300 --> 00:06:45.410 it like a Red Cap etcetera etcetera and it is great for the 00:06:45.410 --> 00:06:48.226 People who work in the industry that the bill is dead for 00:06:48.227 --> 00:06:50.780 now and then I'll come back next year. That's my prediction 00:06:50.780 --> 00:06:56.930 anyway, but it's now been as you mention pop back up again. 00:06:56.930 --> 00:06:59.270 Now, I'm in Connecticut for the state of Connecticut is 00:06:59.270 --> 00:07:02.495 jumping on the bandwagon on this commercial financing 00:07:02.496 --> 00:07:07.461 disclosure thing. And is it the same deal? They want people 00:07:07.461 --> 00:07:11.661 to disclose an APR. If you look at this if you look at the 00:07:11.661 --> 00:07:15.041 language it really is it when I take copy and paste they 00:07:15.041 --> 00:07:18.569 literally copied and pasted the New York law into the 00:07:18.570 --> 00:07:21.741 Connecticut bill and I know this is true because there a 00:07:21.741 --> 00:07:25.725 certain keywords in the bill that don't make any sense. You 00:07:25.725 --> 00:07:28.791 have people laughed about you and joked about a New York 00:07:28.791 --> 00:07:35.551 one like the term double-dipping that caught our attention 00:07:35.551 --> 00:07:45.381 to when we were pulling about the New York bill. 00:07:46.181 --> 00:07:50.346 At least not when it comes to finance and you might not be 00:07:50.346 --> 00:07:53.579 thinking while I get what it kind of means but when when 00:07:53.580 --> 00:07:56.530 you create laws, that's me about finance things have to be 00:07:56.530 --> 00:07:59.828 very precise. What double dipping means to one person might 00:07:59.828 --> 00:08:11.586 not mean to another person have an idea. Some people have 00:08:11.587 --> 00:08:15.037 referred to a different things. But that exact language 00:08:15.037 --> 00:08:18.775 appears in the Connecticut Bill where is supposedly a 00:08:18.775 --> 00:08:22.401 contractor proposal to a business owner supposed to say you 00:08:22.402 --> 00:08:31.582 supposed to disclose if there's any double dipping going on 00:08:31.582 --> 00:08:45.352 did that really make it do you understand more? 00:08:45.363 --> 00:08:48.478 Are there with all the testimony that's been entered a lot 00:08:48.478 --> 00:08:52.303 of it is again. Bill kind of like we saw in other states, 00:08:52.304 --> 00:09:00.119 but no mail in New York. We're going to go down south again 00:09:00.119 --> 00:09:04.694 to Miami Miami Beach. So obviously over the weekend. We saw 00:09:04.694 --> 00:09:06.544 some really interesting news about what is going on in 00:09:06.544 --> 00:09:10.086 Miami with a ton of Spring Breakers and some people heading 00:09:10.086 --> 00:09:14.503 to Miami and now the big struggle is trying to control the 00:09:14.504 --> 00:09:16.862 massive crowds and OU and I've talked about just the 00:09:16.862 --> 00:09:20.594 differences when you go from New York to a place like Miami 00:09:20.594 --> 00:09:25.844 where things are a little more free there, you know people 00:09:25.844 --> 00:09:28.884 just the way of life there is different. So I think it was 00:09:28.884 --> 00:09:30.794 really interesting over the weekend that you know, there 00:09:30.794 --> 00:09:32.924 was a curfew that's been put in place because of how 00:09:32.924 --> 00:09:36.924 out-of-control things have gotten in Miami and it's also 00:09:36.924 --> 00:09:39.704 interesting because while this is all going on, there's 00:09:39.704 --> 00:09:42.394 people moving and we've talked about that in the last 00:09:42.394 --> 00:09:44.894 episode people removing their people from different states 00:09:44.894 --> 00:09:45.344 are go 00:09:45.344 --> 00:09:45.734 Turn down. 00:09:45.734 --> 00:09:47.954 I'm down in Florida, especially the put the next 3 weeks 00:09:47.954 --> 00:09:52.442 down in Miami. Miami beat specifically, it will be W curfew 00:09:52.443 --> 00:09:56.560 from 6 p.m. To 6 a.m. So that's also very interesting 00:09:56.560 --> 00:10:04.158 because we're out of control from the video. Yeah. We were 00:10:04.158 --> 00:10:14.204 out of control and go in there and try to control because 00:10:14.205 --> 00:10:17.227 of how intense of God because and this is something I 00:10:17.228 --> 00:10:19.545 shared with you that that is the most people I've seen in 00:10:19.545 --> 00:10:24.085 one specific please since covid bikes in the Hulk Hogan 00:10:24.085 --> 00:10:27.615 situation went down like a live crabs on a regular night 00:10:27.615 --> 00:10:33.615 serum intense, but this was like out of control and they 00:10:33.615 --> 00:10:36.261 went into emergency meetings yesterday, but sending that 00:10:36.261 --> 00:10:39.445 they said was that you know, this is a lot of people from 00:10:39.445 --> 00:10:43.012 Adam Miami Beach like you I don't live there there to let 00:10:43.013 --> 00:10:45.315 loose and party and now you 00:10:45.315 --> 00:10:50.535 They're worried about the consequences of that can bring. 00:10:50.535 --> 00:11:02.313 Mask-wearing isn't as popular down there cuz I think in a 00:11:02.314 --> 00:11:04.615 lot of parts of the country we've gotten accustomed to 00:11:04.615 --> 00:11:09.115 wearing masks and we have to but in New York as I'm sure 00:11:09.116 --> 00:11:15.446 you're aware, you know, we don't have backyards very few 00:11:15.446 --> 00:11:18.656 people. I know including myself and had the luxury of even 00:11:18.656 --> 00:11:23.188 being outside at all without a mask on it. Almost a year. I 00:11:23.188 --> 00:11:26.489 don't have a backyard. I don't have a balcony. You don't 00:11:26.490 --> 00:11:29.815 have a front yard. So I can't go anywhere. I mean because 00:11:29.816 --> 00:11:33.711 where I live you have to have a mask on outside it all time 00:11:33.711 --> 00:11:50.966 in forever, but then they go in their backyards. 00:11:50.966 --> 00:11:59.703 Life outside the map and so to watch a video with like 00:11:59.703 --> 00:12:15.633 hundreds or are you going to sit in a couple of days we 00:12:15.634 --> 00:12:19.294 were in Miami for the interviews that we did with the 00:12:19.294 --> 00:12:23.726 people for the special. It was really interesting. And is 00:12:23.726 --> 00:12:26.643 Kyle. I got to take a step back coming from New York City 00:12:26.644 --> 00:12:31.039 because I hear things are so strict and you know, you have 00:12:31.039 --> 00:12:33.634 to wear a mask at a restaurant. You have to wear a mask, 00:12:33.634 --> 00:12:36.298 even if you want to go do a simple transaction. That's 2 00:12:36.298 --> 00:12:39.442 minutes like you have to always cover up but when you go 00:12:39.442 --> 00:12:42.116 down there, it's completely different and special places 00:12:42.116 --> 00:12:45.153 like restaurants like here in New York now restaurants are 00:12:45.154 --> 00:12:50.554 open to some capacity, but this is a very very recent thing 00:12:50.554 --> 00:12:50.944 before. 00:12:50.944 --> 00:12:51.394 was 00:12:51.394 --> 00:12:53.614 It wasn't like that. We had outdoor dining when we went down 00:12:53.614 --> 00:12:56.374 there and things, you know, they're seeing people like 00:12:56.374 --> 00:13:00.386 normal and it was kind of a mind game that we had to really 00:13:00.387 --> 00:13:03.724 just take a step back and realize it right like this isn't 00:13:03.724 --> 00:13:07.264 what life is like here. So you kind of have to reprogram 00:13:07.264 --> 00:13:10.624 your mind and be okay, I guess to whatever you feel 00:13:10.624 --> 00:13:14.194 comfortable with accepting an adapting to life down there. 00:13:14.194 --> 00:13:17.674 Anyway that extremely jarring and it was also just a little 00:13:17.674 --> 00:13:21.790 bit of like, you know, a mind trick that you had to kind of 00:13:21.790 --> 00:13:26.854 just you know, I guess like not like relax if you can and 00:13:26.854 --> 00:13:30.634 be okay with your surroundings down, you know a Triton, 00:13:30.635 --> 00:13:33.835 please like restaurants and bars and even walking the beach 00:13:33.835 --> 00:13:37.350 which is kind of bizarre because we don't we have beaches 00:13:37.350 --> 00:13:40.250 here, but they're not as accessible as you do when you go 00:13:40.250 --> 00:13:50.915 down to like, South, Florida. 00:13:50.915 --> 00:13:54.665 What is it related to the topic? But we all can dream about 00:13:54.665 --> 00:14:03.455 things that are related to our lives and oriented times 00:14:03.455 --> 00:14:07.865 last 6 to 9 months is that I'm out somewhere and I'm 00:14:07.865 --> 00:14:11.000 looking all around and I'm like people looking at me and I 00:14:11.000 --> 00:14:13.715 don't know what it is and I start to get that fear of. Oh 00:14:13.715 --> 00:14:19.175 no that I'm not wearing a mask and then like the entire 00:14:19.175 --> 00:14:23.972 like it just becomes crippling anxiety. Oh my God, I was 00:14:23.972 --> 00:14:29.704 that's what I think about that that is where a lot of 00:14:29.705 --> 00:14:33.560 people are coming from now because they even been outside. 00:14:33.560 --> 00:14:41.495 There's no because I think it was something that the New 00:14:41.495 --> 00:14:45.515 York Times reported was that Miami-Dade County has endured 00:14:45.515 --> 00:14:49.487 one of the nation's worst outbreaks that more than 32,000 00:14:49.487 --> 00:14:50.885 Floridians have died. 00:14:50.885 --> 00:14:51.806 You know. 00:14:51.806 --> 00:14:54.971 And you know, it has the highest concentration of the b-117 00:14:54.972 --> 00:14:58.377 Burien of coronavirus, which was the the European the 00:14:58.377 --> 00:15:02.397 British won. So, you know, they have this, you know, it's 00:15:02.397 --> 00:15:07.737 the virus is very much alive there like it is here but it's 00:15:07.737 --> 00:15:10.827 it's interesting to see how you know, things are being 00:15:10.827 --> 00:15:14.507 handled down in Florida and you know, you come here and you 00:15:14.507 --> 00:15:16.449 know, you've been things that we talked about like just 00:15:16.449 --> 00:15:20.017 daily life in like when we will be able to gather again, 00:15:20.017 --> 00:15:23.627 you know it it's weird to think about it here cuz you know, 00:15:23.627 --> 00:15:26.667 everything's different here but down there people seem to 00:15:26.667 --> 00:15:31.249 be okay with being able to gather normally and not but you 00:15:31.250 --> 00:15:35.077 know be as cautious as it is up here and I will stay in 00:15:35.077 --> 00:15:40.563 Florida and in Miami is defense and not a doctor Yeah Yeahs 00:15:40.563 --> 00:15:46.467 articles. I've read that California's infection rates and 00:15:46.467 --> 00:15:49.587 all that other stuff was essentially is essentially similar 00:15:49.587 --> 00:15:50.877 to Florida. 00:15:50.877 --> 00:16:01.815 Sonia has the most part in lockdown for the entire year 00:16:01.816 --> 00:16:06.938 virtually the same and of course, of course Miami in 00:16:06.938 --> 00:16:11.614 Florida, Florida state is benefiting more from the economic 00:16:11.614 --> 00:16:16.737 activity really, you know, suppress the economic activity 00:16:16.738 --> 00:16:21.343 to the point where Florida's governor DeSantis is kind of 00:16:21.343 --> 00:16:29.002 being hounded the hero. Yeah. So it's interesting to see I 00:16:29.002 --> 00:16:32.808 think people will compare the numbers of you know, how 00:16:32.808 --> 00:16:36.668 Florida has like will continue to do versus you know, 00:16:36.668 --> 00:16:39.519 somewhere like New York, California Chicago you no 00:16:39.519 --> 00:16:43.145 excetera. So definitely be interesting to see what happens 00:16:43.145 --> 00:16:48.462 and how the return of the sea cities in general will 00:16:48.463 --> 00:16:50.848 compare to a place like 00:16:50.848 --> 00:16:57.891 Miami exactly and then some other big news for it actually 00:16:57.891 --> 00:17:01.237 tomorrow. So Sean, let's talk about what we have planned 00:17:01.238 --> 00:17:06.546 for tomorrow and exciting. So tomorrow we're doing a 00:17:06.547 --> 00:17:10.041 livestream. We're live streaming right now. If you're if 00:17:10.041 --> 00:17:12.918 you're if you just saw the note on the website about a 00:17:12.918 --> 00:17:17.084 livestream any to Indian you like this is the livestream 00:17:17.084 --> 00:17:20.443 visit you are the one that we're doing tomorrow for those 00:17:20.443 --> 00:17:24.208 who have not been watching our regular we've been doing 00:17:24.209 --> 00:17:26.658 this every Monday and Wednesday for the last couple months. 00:17:26.658 --> 00:17:31.578 I would do whatever you see around 12:00 12:15. And what 00:17:31.578 --> 00:17:35.478 we're doing tomorrow is a little bit more special. We're 00:17:35.478 --> 00:17:38.808 having a get-together small group in Midtown Manhattan and 00:17:38.808 --> 00:17:41.878 we're going to have some special guests with us will be 00:17:41.878 --> 00:17:44.778 speaking and it's a 2-hour live broadcast. We're going to 00:17:44.778 --> 00:17:47.630 have to broker shops in a funding company with us and we're 00:17:47.631 --> 00:17:50.748 going to do some interviews and going to be on the scripted 00:17:50.749 --> 00:17:50.839 and off the top and will be shown. 00:17:50.839 --> 00:18:00.010 I'm not unique content and you don't need to register. 00:18:00.110 --> 00:18:01.110 use 00:18:01.110 --> 00:18:05.155 Usually when you hear about these why it'll live streams or 00:18:05.155 --> 00:18:10.220 virtual this whatever it is. You have to register right and 00:18:10.220 --> 00:18:13.395 then you have to wait for the link and it's usually get 00:18:13.395 --> 00:18:24.994 this whole thing about like people are like we're doing a 00:18:24.994 --> 00:18:28.828 little bit differently. Yeah, we're not doing a resume 00:18:28.828 --> 00:18:32.586 call. We're not doing virtual conversations knows who will 00:18:32.587 --> 00:18:36.130 be broadcast on this stream tomorrow. We're all going to be 00:18:36.130 --> 00:18:40.626 together in person in a lot of people this wasn't like we 00:18:40.627 --> 00:18:44.011 didn't pick out, you know, our favorite friends and stuff 00:18:44.011 --> 00:18:48.647 like that. So if you're wondering why you're not a part of 00:18:48.647 --> 00:18:51.382 it is because it's fashion in person for 2 and 1/2 hours. 00:18:51.382 --> 00:18:53.746 It will be live on will get to hear from people who are on 00:18:53.746 --> 00:19:00.070 the front lines with business money industry. We have 00:19:00.071 --> 00:19:00.401 United Capital source. 00:19:00.601 --> 00:19:05.998 And now we have our Central diligence group. So to broker 00:19:05.998 --> 00:19:13.229 company that will be joining us to be there too. So it'll 00:19:13.230 --> 00:19:15.821 be exciting because I think this will be something that is 00:19:15.821 --> 00:19:19.346 not out of the ordinary in normal times. But this why you 00:19:19.346 --> 00:19:21.791 said it won't be a zoom of that. He'll be something that 00:19:21.791 --> 00:19:24.731 people will be there live with us and we'll be able to 00:19:24.731 --> 00:19:27.761 really just chat with them have a conversation like it's in 00:19:27.761 --> 00:19:30.941 real time. And then hopefully that will kind of Kratom 00:19:30.941 --> 00:19:34.811 atmosphere for when we're back in person. He can kind of 00:19:34.811 --> 00:19:38.766 just you know, he's our way back into normal event 00:19:38.766 --> 00:19:49.681 conference. It is a special but it will be it will be a 00:19:49.681 --> 00:20:00.371 small group and it should be fun. 00:20:00.371 --> 00:20:02.801 I won't be your last you know, this is definitely the first 00:20:02.801 --> 00:20:17.178 of many so you got MD bank.com TV, that's it. And you could 00:20:17.179 --> 00:20:26.026 go there right now and you know, there should be some 00:20:26.026 --> 00:20:37.141 content on the screen. It's not going to be one of those 00:20:37.141 --> 00:20:49.061 and we'll be live from 10:30 to 1 eastern time and calm and 00:20:49.061 --> 00:20:52.511 we hope it will be the first time of many that we do the 00:20:52.511 --> 00:20:59.021 rest of the year. 00:20:59.021 --> 00:20:59.628 an 00:20:59.628 --> 00:21:02.898 And I think would will also be very interesting is that if 00:21:02.899 --> 00:21:05.854 you know someone that's interested about the business 00:21:05.854 --> 00:21:08.329 getting into the business or has questions about how to 00:21:08.329 --> 00:21:10.999 move forward with the business go ahead and tell them about 00:21:10.999 --> 00:21:13.359 this. I think this is a good opportunity for them and I 00:21:13.359 --> 00:21:16.001 don't need to get out of the rhythm of watching his Zoomer 00:21:16.002 --> 00:21:19.699 being a part of Zoom, but you know just be with people that 00:21:19.699 --> 00:21:22.669 are knowledgeable about the industry and let them know that 00:21:22.669 --> 00:21:24.889 you know, we're going to be there when it be there live and 00:21:24.889 --> 00:21:29.179 the for them to TuneIn and like we said before we are doing 00:21:29.179 --> 00:21:33.240 regular live streams hear from her in office and give you 00:21:33.241 --> 00:21:35.569 one day in and Wednesdays and if you would like to be a 00:21:35.569 --> 00:21:38.457 part of it is set in one of these chairs or maybe a third 00:21:38.458 --> 00:21:48.721 chair are you can you can do that. You need to be in the 00:21:48.721 --> 00:21:59.089 whole team. 00:21:59.090 --> 00:22:03.200 I'm sorry, they can email us at 2. What would be the Emoji 00:22:03.200 --> 00:22:09.201 the right email for them to info at dmacc.com? That's what 00:22:09.201 --> 00:22:17.029 I was told. I do want to mention people were asking. We are 00:22:17.030 --> 00:22:21.650 having an in-person event a real in person tonight, but 00:22:21.650 --> 00:22:26.690 lots of people in December broker there, right December 6th 00:22:26.690 --> 00:22:30.337 program fair in your cities were asking if we have any yet 00:22:30.337 --> 00:22:36.911 2 years. It's happening this year. Hopefully everything 00:22:36.911 --> 00:22:46.687 goes at nothing, you know crazy streaming on the outside 00:22:46.688 --> 00:22:50.780 and hopefully one of many that will follow in person. So 00:22:50.780 --> 00:22:54.290 it's exciting to get ready to get prepared for that. And 00:22:54.290 --> 00:22:57.890 you know for that information again didn't check it out 00:22:57.890 --> 00:22:59.060 online. Org for that. 00:22:59.060 --> 00:23:01.242 And for those of you wondering why we're not doing it in 00:23:01.243 --> 00:23:05.652 person event right now. I think personally I think it's a 00:23:05.652 --> 00:23:12.636 little too early for us to do one. Right and we thought it 00:23:12.636 --> 00:23:16.016 was it made the most sense to wait. It's a little bit 00:23:16.016 --> 00:23:21.248 longer when there was a much higher likelihood of things 00:23:21.249 --> 00:23:25.442 not going wrong. I'm so December 6th, which is fun cuz we 00:23:25.442 --> 00:23:37.700 about you'll be in New York for the holidays and enjoy the, 00:23:37.701 --> 00:23:40.848 you know stores on 5th Avenue the nice know if it snows and 00:23:40.848 --> 00:23:46.445 probably will and people can just kind of experience. 00:23:46.446 --> 00:23:50.505 Hopefully you regular New York and I think with exciting is 00:23:50.505 --> 00:23:53.876 that you know, this will be the first and next year. 00:23:53.876 --> 00:23:56.070 Hopefully, we will be able to kind of go back into the 00:23:56.071 --> 00:23:59.031 rhythm of doing regular event a different country. 00:23:59.031 --> 00:23:59.492 stay 00:23:59.492 --> 00:24:04.472 Stayed so hopefully be the first of a start a Kik off of the 00:24:04.472 --> 00:24:12.282 number of events happening in doing it in person that again 00:24:12.282 --> 00:24:17.828 in Miami. The prison big one that we do will be next year. 00:24:17.829 --> 00:24:25.922 We don't have it now and December. Going to be a blowout 00:24:25.922 --> 00:24:30.677 conference is going to be broke her paramour going to do a 00:24:30.677 --> 00:24:35.232 big, so it's exciting so coarse tune in tomorrow, and that 00:24:35.232 --> 00:24:37.832 pretty much is it for us today? So again, I'm Johnny 00:24:37.832 --> 00:24:40.707 Fernandez would be Bank use Mount Saint Mary and we'll see 00:24:40.708 --> 00:24:44.722 you guys next time tomorrow. Hopefully. See you guys.