00:00.780 --> 00:02.730
Johny Fernandez: All right, you
guys. Welcome back. So I'm here

00:02.730 --> 00:05.340
with John Celifarco from Horizon
Funding Group.

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John Celifarco: How's it going?

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Johny Fernandez: Good. How are
you?

00:06.990 --> 00:09.270
John Celifarco: I am good. Very
happy to be back at Broker Fair.

00:09.270 --> 00:12.000
Finally, it's been, well, it's
been a minute.

00:12.540 --> 00:14.820
Johny Fernandez: So let's talk
about your expectations. I mean,

00:14.850 --> 00:18.000
everyone's back here. Things
feel like they're back. It's

00:18.030 --> 00:21.510
2019. All over again, walk me
through what your expectations

00:21.510 --> 00:22.170
are for today.

00:22.290 --> 00:24.270
John Celifarco: Just
reconnecting with people. It's

00:24.270 --> 00:27.180
been so long since you've been
able to see people in person.

00:27.210 --> 00:30.780
Yeah, you try to get a feel for
where all the companies are at

00:30.780 --> 00:33.270
how they've moved through COVID.
And what the future holds.

00:33.300 --> 00:35.280
Johny Fernandez: So let's talk
about horizon. Where are you

00:35.280 --> 00:38.790
guys at? How's business going?
Let's talk about like, all the

00:38.790 --> 00:42.180
new implications you put in when
we last spoke, what's the

00:42.180 --> 00:42.570
update?

00:43.080 --> 00:47.160
John Celifarco: What is up,
thank God, all of the things

00:47.160 --> 00:50.340
that we put in place to help us
get through COVID. Most of them

00:50.610 --> 00:55.770
have worked out, they've panned
out deals of funding. And things

00:55.770 --> 00:58.740
are looking good. The future's
bright. I mean, it was a tough

00:58.740 --> 01:02.910
go there for a little while. But
all in all, we ended up I think

01:02.910 --> 01:05.970
better for it. We found that we
could do some things we didn't

01:05.970 --> 01:10.650
know we could do. We trimmed
some fat in places where we

01:10.650 --> 01:14.010
weren't being as profitable. And
all in all, we've come out of

01:14.010 --> 01:15.420
COVID a better company.

01:15.720 --> 01:17.400
Johny Fernandez: So let's talk
about today. There's different

01:17.400 --> 01:20.520
panels going on. There's a
broker culture panel going on.

01:20.640 --> 01:22.830
There's discussions about New
York law, there's just a whole

01:22.830 --> 01:25.980
bunch of different topics. What
are you looking forward to the

01:25.980 --> 01:26.370
most?

01:26.400 --> 01:29.910
John Celifarco: I gotta say the
law one I'm very interested with

01:29.910 --> 01:33.900
the the new law coming out in
New York that can really affect

01:33.900 --> 01:38.730
us and everybody in general. And
then also the great debate.

01:38.760 --> 01:41.760
That's always a great time
seeing some of the leaders of

01:41.760 --> 01:45.510
the industry talk and sort of go
back and forth on where the

01:45.510 --> 01:46.260
future holds.

01:46.320 --> 01:47.850
Johny Fernandez: Awesome. All
right. Well, thanks so much.

01:47.850 --> 01:49.500
John Celifarco: My absolute
pleasure, sir, always great

01:49.500 --> 01:52.480
Johny Fernandez: Awesome.
Allright you guys, that's it for

01:52.480 --> 01:52.680
seeing you.

01:52.680 --> 01:56.800
us while we take a quick break
and tune in in a little while.