Sean Murray: Hello and welcome back to deBanked TV. I'm Ron
Burgundy.
Johny Fernandez: And I'm his sidekick Johny Fernandez. This
is Sean Murray in case you don't recognize him because of the
stash. Mines is kind of growing in.
Sean Murray: Are you doing it?
Johny Fernandez: Possibly.
Sean Murray: Oh, you got to decide now.
Johny Fernandez: It's like right now.
Sean Murray: Yes. Starts November 1. We told you we could
grandfather you in for a day.
Johny Fernandez: Yeah. Okay, so.
Sean Murray: So if you didn't start yesterday, today's your
last.
Johny Fernandez: I haven't shaved at all.
Sean Murray: Since when, since.
Johny Fernandez: Since the first
Sean Murray: Okay, are you in?
Johny Fernandez: Yeah. Sure.
Sean Murray: Are you gonna go? Are you gonna be allowed to do
it for the whole month?
Johny Fernandez: The stash?
Sean Murray: Yeah.
Johny Fernandez: Okay, yeah I'll do it.
Sean Murray: You're gonna get permission?
Johny Fernandez: I already got I got I got permission from.
Sean Murray: You said it was for charity?
Johny Fernandez: No I just told my girlfriend. I'm like, hey,
we're doing this.
Sean Murray: Alright .Awesome. This is gonna be great.
Johny Fernandez: When are we gonna start the show, all right,
so I'm Johny Fernandez. I'm gonna grow a stash just like
Sean you can see Sean stash is.
Sean Murray: Coming in real nice.
Johny Fernandez: You're like a cop from Reno 911.
Sean Murray: I don't know. I'm not really going for any look,
this is just apparently how I look.
Johny Fernandez: You put some sunglasses and you say, hey, let
me get your license.
Sean Murray: You, pull over your license and registration.
Johny Fernandez: Let's go. I like it though. What's your wife
saying?
Sean Murray: She told me it's only okay, as long as it's for
charity. So I am doing the whole Movember thing. If you want to
participate in the Sean Murray mustache fundraiser you can I
can give out the link on social media if you'd like to cheer me
on and keep you going for as long as possible. As long as
it's for charity, I can keep going.
Okay, and it it's not like after November going into.
That is that is questionable?
Johny Fernandez: Does she like it?
Sean Murray: No.
Johny Fernandez: Really? Okay. All right. On that note, we're
gonna get straight into things today. The first thing we're
gonna be discussing is going to be new numbers coming in for the
third quarter, we have a couple of companies we're going to talk
about. So the first one we're gonna talk about is IOU or the
company. We know that the lending online lender to small
businesses announced that they have surpassed a billion dollars
in total loan. Yeah.
Sean Murray: A billion total in loans since inception.
Johny Fernandez: Correct.
Sean Murray: So that's for the life of the entire company that
they reached that milestone. Quite recently, they made the
announcement yesterday.
Johny Fernandez: Yeah. And it's interesting, Sean, what, when a
company reaches a billion, how much of an accomplishment is
that? If these guys you know, I mean, people don't some people
don't even get like to like a million. So the fact that it's a
billion since it started, I mean, what does that speak in
regards to its leadership? I'm just kind of curious to know,
like, the way that the company is going and the direction that
they're going, because a lot of people don't reach that. So.
Sean Murray: Yeah, I don't know what it says about leadership in
particular, but it definitely shows that they're more than
capable of growing a pretty large portfolio. Being able to
reach a billion dollars in loan origination over any period of
time, can be attractive to potential investors who are
looking to invest their money and buy pieces of it. So you
know that's one, that's one thing. It's kind of like why you
celebrate the benchmark is that like, hey, this company is
capable of producing this amount, and their portfolios
obviously performed well enough to continue having for that
long. So, you know, I guess you could say, generally, it's, it
says that the leadership has certainly accomplished
something. And that IOU if I'm not mistaken, I actually have
this right here. They've been around for 12 years. So they
have weathered some ups and downs. And they have come out of
COVID and are on an upswing right now. So that's probably a
good thing. As far as the leadership goes.
Johny Fernandez: Yeah. So we're gonna speak now about some
capital, we know that they announced the third quarter of
2020 financing increased $82 million, up 26% from the prior
year period. So 26%. I mean, they did better, obviously, than
last year. Let's talk about that a little bit more in regards to
how long they've been around. And to get to this point, they
have gotten to a billion but they're.
Sean Murray: Just this is just for a quarter. Correct. Third
thing. I know you did a billion dollars for the entire 12 years.
This company did 390 million. And a quarter. And a quarter.
This company is doing more than a billion a year. And they have
increased significantly. So Essentium, is doing a lot more
than IOU is, but they're also doing you know, a little bit
different type of lending. IOUs more focus on the unsecured
market. In that sense, Jim is doing more than the secured
market so they can do a lot larger loans. But you know what
this tells us when you have companies on both sides,
unsecured and secured, going out and meeting you know, hitting
all these milestones is that we clearly see a business finance
market that's on the upswing and growing right now, we're hearing
about, you know, the impact of COVID less and less, and PPP and
EIDL are interfering with normal business loan origination less
and less. So when you hear companies like IOU, Essentium,
hitting these type of benchmarks, these type of
milestones quarterly my milestones, I know you had a
quarterly milestone as well, I'd say that the industry is
starting to hit its stride.
Johny Fernandez: Yeah, for sure. And then let's talk we'll go
ahead and talk about the third company that we have.
Sean Murray: So sure, lastly, we have Cross River bank. And you
know, what did the bank have to do with alternative finance?
Well, they're, they're pretty big in the fintech scene. They
were pretty big in the PPP side of the world. But they also just
announced an acquisition, they acquired a company called Better
Fin and Better Fin is a financial platform that enables
small business owners to access a wide range of financial
products and markets data, and manage their own lending and
cash flow processes. Why is this significant? It's because it's a
bank, making this acquisition, not just another FinTech
company. If we had said a fintech company made this
acquisition, you'd say, oh, that makes total sense. It's genius.
It's brilliant, right? But Cross River, the bank Cross River, is
it acting like a fintech company. And that's what makes
them very powerful, because what we're seeing right now is that
FinTech companies who are banks are in a very good position,
because they don't have to deal with a lot of the regulatory
uncertainty. And they can rely on deposits, to, you know, to do
their loans and so forth. Lending Club is a good example
of that. You're having their best run in the last five years,
primarily because they're now a bank. So Cross River, agile like
a fintech company, what is in fact, a bank going out and
making acquisitions like a fintech company, and I'd say,
you know, keep your eye on them and what they're doing. They're
definitely a fintech company to watch.
Johny Fernandez: Yeah, that's good to know and speak about
fintech. We're going to talk a little bit more about the NFT
NYC conference I was able to attend yesterday, and just kind
of walk you guys through a little bit about that my
experience, the NFT NYC conference took place around
Times Square. You can see I have my lanyard here to represent and
show you know, we were there as media. But it was really
interesting, because I think when we've talked about NFT, you
know, we've talked about it. We've talked about it a little
bit more in the spectrum of it being like a picture or an item
that you know, you purchase, you know, through the wallet and
just very base level. But I think going to NF T NYC
yesterday specifically, I learned that NFT is being used
in a multiple different in multiple different ways. You
know, it's a multi day conference, but they also have
in the program, you know, NFT, how NFT. and charities work
together how and NFT and like the music and the hip hop
industry work together, how NFT's and just disrupting the
day to day world when it comes to like the economy, like all
these different conferences were set up and I was able to chat
with a number of different people that are doing different
things with NFT's whether it's also you know, in real estate,
or whether it's teaching others how to kind of jump in to the
NFT world and the metaverse and cryptocurrency how that's kind
of also implementing and how it's different. You know how,
you know, it may all sound intertwine. But at the end of
the day, it's all completely different. You know, talking
about crypto talking about NFT's and then opening up their
portfolio I had a lot of the guys open up their portfolio and
show me the difference of like, how their theory was set up.
Sean Murray: How did they show it to you? Was this like on a
phone?
Johny Fernandez: Yeah, it was on their laptop. Some of them on
the phone, so them on the lapto. But you know, I spoke with a
girl yesterday, for example, that she used NFT's to pay off a
mortgage of a house.
Sean Murray: So how does how does that work? What context are
we talking about?
Johny Fernandez: She she used her NFT and the NFT was accepted
She gave them an NFT?
by the developer that was working on her house, she lives
out west. And because of that, she was able to pay out the NFT
and give it to the developer and that's how they were able to
work together and pay off the mortgage to her house.
She gave them a couple of NFT's not just one. But then you know,
she also at certain points she had to go cash out in a way and
pretty much put that NFT cash into dollars put into her
account and cash out and mortgage.
Sean Murray: So this was like, she basically invested in NF T
and and Kristin value and then she used the the increase in
value the profit.
Johny Fernandez: Yeah.
Sean Murray: Okay.
Johny Fernandez: And but basically, I mean, she's been
doing this since like 2016 2017. So she's she's been in it a
little bit longer and like the ups and the downs and how it
works and when to put it what to put it in. And there was just a
number of different conferences, a number of different speakers
that just were able to break down like using NFT like when it
comes to charity, for example, like using NFT when it comes to
helping educate underprivileged youths and helping them learn
about like getting out of poverty and go intergenerational
wealth using NFT's and there was NFT's and art and NFT and it was
just there's a whole world behind it. And it's something
that I did not know existed until going there yesterday and
like learning about like the metaverse, which is like
essentially the internet, just like this whole world of economy
that is all within the NFT community.
Sean Murray: Did you walk away with any better opinion of NFT's
versus the opinion we've.
Johny Fernandez: Yeah.
Sean Murray: Because, you know, in your mind, you've been so
we've been so fixated on the art aspect of it. Yeah. And it being
digital. And you having found there's always other components
to it. Yeah. Did you walk away with a better opinion of NFTs?
Johny Fernandez: I did. I texted you. And I was like, hey, I want
to be part of the metaverse now. And he said, sure I did. Because
I think what I learned and the way it was broken down to me,
because I asked all these guys is like, hey, break this down to
me like, I don't understand why you're so obsessed with it.
Like, I want to be obsessed with it too, like talk to me. So.
Yeah. Essentially, it ended up being broken down until like,
Okay, you have money. And then you have your wallet through
Ethereum. And you can transfer your money into the Ethereum
wallet, this is your wallet. And now you can you've officially
joined this world and now you can, you know, buy sell, like,
do whatever through with an NFT and that NFT is yours. Like, no
one's gonna tell you what to do. No one's gonna govern over you,
it's yours. And you can do whatever you want with it. Yeah.
And the other thing that really caught my attention is that
other people, other industry leaders, you know, whether
specifically in this scenario was like in medicine, and
they're using NFTs to fund cancer research. And I'm like,
wait, what, and this is, still being worked out. And this is a
specific program. And I reached out to the guy and I was like,
hey, like, I love I would love to get your information to learn
more about it. But it's being funded for like cancer research,
I was okay, like this.
Sean Murray: What are they doing? They're like selling
NFTs?
Johny Fernandez: So they're exchanging the NFT's. And it's
being and that's been able to hold the funding for certain
projects. Okay. So it's interesting, because you really,
it's not like for me, I now understand that it's not just
like, oh, like, this is really cool picture that's in my
Ethereum wallet, but there's more that can be done with it
than just that, which, that's just part of one of the things
that it does. It's like, Alright, we're gonna auction
off, you know, this deBanked picture. But there's so much
that's being done with it that you know, it. What we've
discussed is a very small part of a bigger picture. Yeah. Okay.
Yeah.
Sean Murray: Well, I'm glad you're more into them now. Yeah.
Since we're, we're about to lead into another NFT segment, which
is where we announce the winner of our NFT giveaway raffle. And
the great news is Johny.
Johny Fernandez: What's the great news?
Sean Murray: We had people who entered the last time we were on
here zero people had entered and we actually got from what we
what we can tell six entrance. We have six entrance into the
raffle. We're gonna give we're going to choose one I have I'm
gonna get a cup over here. This is the cup we printed out all
the all the entrance. I know it's kind of old fashioned here
we're doing some keys blockchain and what do we do? We should
have done it on the blockchain. Now that I look in this cup, and
I just see names on a piece of paper.
Johny Fernandez: That's the way to do it. There's just something
about doing it this way.
Sean Murray: I feel like voting should all be done via the
blockchain now and here i Here we are about to pick out a name
from a cut out piece of paper.
Johny Fernandez: All right.
Sean Murray: But that's how we're doing. That's how we're
doing the announcement of the NFT giveaway raffle, the winner
will get one of the 10 broker NFTs that we created, you must
have an Ethereum wallet in order to receive the NFT if you have a
Coinbase account, that probably will not work because my
understanding is that currently Coinbase although you can carry
Ethereum on in your account, you cannot actually have the NF t
itself. It will end up going somewhere at Coinbase. If you
send an NFT to a Coinbase Ethereum address it will be
somewhere in the you know in the in the blockchain but whether or
not Coinbase right now has the ability to route that to your
account that you can view it I'm not sure they're working on that
as a project currently. So if you want to be able to really
receive your NFT you should probably have a digital wallet
like an actual wallet not just not just like a crypto account,
you can use something like Metamask Metamasks.io We have no
affiliation with them, but it's a very common browser wallet,
Ethereum browser wallet. And if we sent the NFT to your Metamask
Ethereum wallet, you will be able to see it there. We also
have an Ethereum, we also have an NFT viewer on our website too
and you can also see it on Opensea.io. So you'll also be
able to see your NFT there these are ERC 721 tokens Johny was
talking about there's all these different types of NFTs and how
that can be used. They're really just non fungible tokens. And
you can program whatever you want to this token. These NFTs,
this is artwork. So we're basically just putting a
hyperlink to an image. In these particular NFTs, there's all
different kinds. ERC 721 is basically respected as one of
the one of the premiere, real true non fungible tokens is
another kind that's very popular on Opensea called like an 1155
token, which is called a lazy mentor lazy token, doesn't
really cause any Ethereum gas to make. You're basically just
pumping something into an existing token into an existing
token. And there's all these questions as to whether or not
it's really fungible or non fungible. But these are true non
fungible, NFTs minted by hand on the Ethereum blockchain that we
are giving away all tied to one of the 10 broker, NFT's, the
originals. And we have six people who have entered all via
Instagram. That's where we had the contest. And we then took
the names, printed them out, cut them up onto a little strips,
and put them in a cup.
Johny Fernandez: It's like 1995 all over again. I love it.
Sean Murray: That's how we're gonna do the giveaway.
Johny Fernandez: All right, so.
Sean Murray: So yeah, so I don't know, I don't know how you want
to do this. So we got, we got six things in here. And by the
way two of the entrance from what we could tell were from the
same company, right. So we decided whether or not that
should be acceptable. We let it fly. Okay. All right. Okay. So
we didn't know full transparency, full disclosure,
there was a there was posts from two different people at the same
company. That's two of the six. All right. But it is what it is.
At least we don't have zero participants. There you go. And
so again, if we announce your name, afterwards, we'll reach
out to you on social media, we will ask you what your Ethereum
wallet addresses, and we will send you the NFT, we will make
sure in advance that you have an acceptable NFT engineered
wallet, so that when you get it, you actually get it. Right. So
we'll help you out if you're like, oh, no, I don't really
have the right thing. Yeah. We'll help you.
Johny Fernandez: All right. All right.
Sean Murray: Are you ready to do this Johny? I feel like I'm just
gonna keep talking about it.
Johny Fernandez: But no, well I'm excited cause we're trying
to get a pig who's gonna win it. And let's keep moving.
Sean Murray: There's one other element to the whole thing.
Johny Fernandez: What's the other element?
Sean Murray: So sending an NFT requires Ethereum gas, sending a
transaction, you know, initiating a transaction on the
Ethereum blockchain cost money, just to do. Yeah. So we may not
send it instantaneously, we may have to wait until a part of the
day in which traffic on the Ethereum blockchain is lower. So
that it costs us less so that it doesn't cost us like $300 to
send to you. That's just goes to show like how wild the whole
system is.
Johny Fernandez: It's, it's what I learned yesterday is that this
is, this is no joke. I thought it was like, hey, here's a
couple pictures. But seeing like, just the amount of money
that goes in and out of it like, it's, it's, it's the metaverse,
man. Yeah. It's the metaverse.
Sean Murray: So the winner of this contest, will be able to
pick one of the 10, we're not going to designate the one that
you get. So there's 10 broker NFTs the winner can pick which
one they want, and we'll send it to you. And even if the Ethereum
network fees don't come down, for whatever reason, we'll send
it to you anyway. But we might try to wait to the time of the
day. But when the fees are a little bit lower, it's a
complicated thing. And we're sending them manually. There's
we didn't hire any third party to do any of this for us. We
have our own Ethereum smart contract. This is like a legit,
true original NFT this could be worth billions one day. That's
my prediction.
Johny Fernandez: All right. All right. Let's get to it.
Sean Murray: All right, so Johny, do you want to? Do you
want to pick the winner?
Johny Fernandez: Yeah.
Sean Murray: All right. So five of them came from Instagram, and
one came from LinkedIn. So if you see a name, that's not an
Instagram handle, that person did it on LinkedIn, we decided
to accept it.
Johny Fernandez: Okay.
Sean Murray: Hold on. We gotta shake it up.
Johny Fernandez: Shake it up. Shake it up. Shake it up. Let's
do this. All right.
Sean Murray: Are you gonna read the winners? Or winner? Let's
see. Let's see what we got. It's you can't even reach down there.
Johny Fernandez: I got big hands. All right.
Sean Murray: What do we what do we got?
Johny Fernandez: Oh, okay. So this is probably the person that
entered on LinkedIn.
Sean Murray: Is it a name?
Johny Fernandez: Yeah.
Sean Murray: Okay.
Johny Fernandez: So his name is Josh Feinberg.
Sean Murray: Yes, Josh Feinberg. Okay, Josh Feinberg's the lucky
guy.
Johny Fernandez: Lucky guy, lucky guy. So Josh, we will be
sending you the information and then you can pick out of one of
the 10.
Sean Murray: Yeah, you got to send us an Ethereum address, so
that, Josh Feinberg, you have one a broker and NFT we needed
an Ethereum address from you from a working NFT wallet so it
might not be Coinbase. So hopefully you have that
capability. But guess what? Guess what, ladies and
gentlemen?
Johny Fernandez: Are you feeling generous?
Sean Murray: I am feeling very generous right now.
Johny Fernandez: Oh, okay.
Sean Murray: I'm feeling very generous.
Johny Fernandez: All right.
Sean Murray: We're going to give away another one. There's gonna
be two broker NFTs given away today.
Johny Fernandez: Would you like to do the honors on this one?
Sean Murray: Okay, I'll do the honors on this one.
Johny Fernandez: I'll shake it up.
Sean Murray: Are you gonna shake it up? Okay. We're gonna be
giving away another one. We're giving away another one.
Johny Fernandez: My bartending days. Margarita? Sure.
Sean Murray: Just drink it. Drink it down.
Johny Fernandez: Drink it down. All right. All right. You ready?
Sean Murray: Yeah. All right. I'm ready.
Johny Fernandez: Alright, let's do this.
Sean Murray: All right, here we go. All right, we have an at.
This is an Instagram handle. An at Lior p one Hassah, that's
probably his actual name, but I'm not sure that's the
Instagram handle that has one the second giveaway broker NFT.
So if you are at Lior one, Atlee, or P one hisab,
congratulations, you have all your NFT, we'll contact you
after the show. We'll get your Ethereum information to you,
whichever of the 10 broker NFTs that you want.
Johny Fernandez: Awesome, you guys. Congratulations. Thank you
guys for entering. We're probably I mean, maybe we'll do
this again in the future.
Sean Murray: I think so.
Johny Fernandez: I think so.
Sean Murray: Yeah.
Johny Fernandez: NFT's are the future.
Sean Murray: You oh, you're convinced. We've made a believer
out of Johny Fernandez.
Johny Fernandez: It. Yeah. I mean, I still like real things,
though. And it like, tangible.
You want to get, you want a cup NFT.
Yeah.
Sean Murray: You want the cup?
Johny Fernandez: I want the cup.
Sean Murray: Okay.
Johny Fernandez: Yeah, that's exactly. So I was discussion
Sean Murray: Yeah, so we've been talking about Broker Fair on
about this event NFT NY dot NYC. Let's talk about our event
that's just a couple of weeks away. So Broker Fair is coming
up, we've been receiving a lot of phone calls about it. And we
here for like, you know, months at this point. But in the last
30 days, ticket sales have really, really, really shot up.
do have to say that it's gonna be the best event out there. I
mean, I believe so what about you?
And so now we're getting, we're getting really excited. We're
selling multiple tickets every single day. Yeah, one day, we
had a day where I was like, Oh, my goodness, we're gonna we're
gonna sell out. I don't know if we're gonna get to that point
for the show. But I am seeing very good optimistic trends. We
are 33 days away from Broker Fair, 2021 December 6, in New
York, you do have to be vaccinated, but you don't have
to wear a mask. So that's gonna really help.
Johny Fernandez: Yeah, because having a mask 24/7. And again,
we just want to clarify that the vaccine, that is a mandate here
in New York, to go anywhere you need a vaccine card. So it's not
something that we've it's not something that we said to do.
It's something that the venue is, you know, going to be
checking, they're going to ask specific people, they're
checking their vaccine vaccine cards. So if you have any
questions about that, we have that information online. And
also, if you want to reach out to us here at the office, we're
more than happy to help you out.
Sean Murray: It's not preventing anyone from buying tickets.
We're selling so many tickets recently. I'm telling you, if
you're like, you know, this vaccination requirements, you
know, who's going to be there? Because if it isn't impeding
people from coming, but when we could tell, no, it's not, it's
not impeding anyone. We're selling a ton of tickets. We're
very excited and optimistic about it. It is what it is as
Johny said. Yeah. It's a city requirement. And we're selling a
ton of tickets. Don't wait to the last minute. Yeah. We are
not going to sell any tickets at the event itself. We never have
done that. We're not going to do it this time. It's too much work
to do. And we're probably going to shut off ticket sales about
three days before, no matter where they are. Yeah. No matter
where they are. And so, you know, even if even if we're, we
don't hit full max capacity by by the last day, it doesn't
matter. That will be the day that we shut off sales. So don't
wait until the last day. If you show up on the day of Broker
Fair, hoping to buy a ticket thinking we'll let you in.
Unfortunately, we're just not going to have the capability of
doing it. Yeah. Especially with the vaccination requirement. We
got to know who everyone is in advance. So don't wait too late.
Tickets are truly going fast now. Yeah. And we're getting
very excited for December 6.
Johny Fernandez: And something else to mention is that
sponsorship that is sold out, we've had people contact us
regarding that there's a waitlist for that. So.
Sean Murray: And it's long.
Johny Fernandez: Yeah, I mean, so that's, that's just a heads
up that, you know, this is, we're three weeks away, and this
is happening and people and it's no longer just, hey, it's a
couple of months away, like, you know.
Sean Murray: It's more than three weeks. Four and a half.
Johny Fernandez: Four and a half, yeah. So it's exciting.
But we're telling you guys, please be prepared to come to
enjoy yourselves. I mean, right now, it is a great time to be in
New York, because things are moving again here and it's
picking the pace is picking back up.
Sean Murray: You were just at a conference yesterday.
Johny Fernandez: Yeah. And it was packed. I mean, people I
mean.
Sean Murray: They had what like 5000 people.
Johny Fernandez: Yeah, yeah. So.
Sean Murray: 5000 people at a conference in New York City.
Johny Fernandez: Yeah.
Sean Murray: So if you're like, Oh, who's going in New York
City.
Johny Fernandez: A lot of people are going to New York.
Sean Murray: You know, this time of year during COVID whatever
with vax requirements 5000 people at at an NFT show.
Johny Fernandez: Yeah. So just imagine, and especially and
something I will stress is that if you're new in the industry, I
He's been a rookie in multiple different industries. And it
takes a while for you to pick back up to pick up some
momentum. So this is a place where you're going to meet
people, we have the pre show, also going on not too far from
the location and loosen. It's a perfect place to network to meet
people, business partners, and really grow your business at the
end of the day. And this is the place to do it. We've heard
stories of people, they met at Broker Fair, they became, you
know, some type of business partner, and they're doing
business now. So this is a great place, especially if you're new
into the industry and you want to meet the key players, you
want to meet the people that talk on daily funder you people
that we've interviewed people that we've done stories on,
they're all going to be there. So my biggest piece of advice is
if you are new to join this event, and it's worth the cost
it is definitely is and it's cheaper for brokers. Yeah. So
again, if you have any, if you have any questions you can reach
out to us and or you can check out the the latest updates on
our social media platforms and also on deBanked.com. So please
reach out to us. We want you there. We want to meet you guys
essentially, and hang out with you guys for the day. So yeah.
Sean Murray: All right. All right. Well. Thanks for joining.
We'll reach out to the winners after the show. Again, we gave
away to broker and appease, and we're very excited to help you
receive them.
Johny Fernandez: Awesome. And of course if you haven't signed up
for Broker Fair, please do. You have a couple of weeks left, and
don't wait till the last minute. So again, I'm Johny Fernandez.
Sean Murray: And I'm Ron Burgundy.
Johny Fernandez: We'll see you guys next time.