00:00.000 --> 00:02.100 Johny Fernandez: Thank you guys so much for joining us today, 00:02.130 --> 00:04.530 Sean, another great day, you know, it's a little cold 00:04.530 --> 00:08.970 outside, but it's sunny. So I'm excited because it just reminds 00:08.970 --> 00:12.570 me that we are just a couple of weeks from our big Miami event. 00:12.690 --> 00:13.230 Sean Murray: That's true. 00:13.260 --> 00:14.520 Johny Fernandez: We're gonna talk about that in just a 00:14.520 --> 00:15.960 moment. But Sean go ahead. 00:16.440 --> 00:19.890 Sean Murray: Sure. I wanted to bring up the fact we have a 00:19.890 --> 00:25.560 story up on our site today. And it's about using Siri and Alexa. 00:26.490 --> 00:28.140 In the financial world. 00:28.950 --> 00:34.110 Johny Fernandez: I read just a little bit of what you posted. 00:34.140 --> 00:37.170 You asked Alexa a very important question. 00:37.170 --> 00:40.390 Sean Murray: I did. So this was unprompted. It wasn't for the 00:40.390 --> 00:43.480 story. Okay, I forget how it came up. Okay. I think what 00:43.480 --> 00:47.530 happened was, I was at home and I asked a question that I did 00:47.530 --> 00:49.570 not think Alexa would be able to answer 00:49.630 --> 00:50.590 Johny Fernandez: What was the question? 00:50.630 --> 00:53.120 Sean Murray: Something. It was something. It was like it was 00:53.120 --> 00:57.710 something complex. Okay. Almost asking in jest. Okay. Right. And 00:57.710 --> 01:04.070 it gave a very detailed, long answer. And I was like, what? 01:04.580 --> 01:08.510 Like, okay, that's way more than I expected out of this device, 01:08.540 --> 01:13.610 which I'm really I really use it for music for the lights. Yeah. 01:14.810 --> 01:19.190 The temperature. Okay. But not a whole lot more. Occasionally. I 01:19.190 --> 01:22.460 have used it for like, online shopping, like getting groceries 01:22.460 --> 01:27.770 to my Amazon fresh cart. But what and so then I said, How 01:27.770 --> 01:30.230 much more did Alexa know here cause that really threw me off. 01:30.230 --> 01:34.550 So I said, Alexa, what is deBanked? And I expected 01:34.550 --> 01:38.090 obviously, to get no answer. Right? Or like sorry, you know, 01:38.840 --> 01:41.630 you know, please try again, or whatever. But instead, it's 01:41.690 --> 01:45.500 instead, Alexa said deBanked is your guide to the non bank 01:45.500 --> 01:49.430 finance universe. And I was like, what? How did it know 01:49.430 --> 01:53.750 that? I had nothing to do with that. No one here in the office 01:53.780 --> 01:57.020 had anything to do with putting that information into the Alexa 01:57.020 --> 01:59.750 knowledge base. And I was just like, whoa. 02:00.050 --> 02:02.930 Johny Fernandez: Do you? Do you talk about work at home? 02:04.310 --> 02:06.890 Sean Murray: Do I talk about work? Yeah. I mean, obviously, 02:06.890 --> 02:09.200 to some extent I talk about work. It's not from that it 02:09.200 --> 02:12.020 wasn't listening. Dude. It's not from that it's not from that 02:12.530 --> 02:14.930 Johny Fernandez: Also, do you like maybe it picked up you 02:14.930 --> 02:17.570 know, things that you've searched on your connected 02:17.570 --> 02:18.410 devices? 02:18.830 --> 02:21.860 Sean Murray: Maybe. But it gave, it gave a very definitive 02:21.890 --> 02:26.570 answer. Okay. And it wasn't like I had no idea where this info 02:26.570 --> 02:29.750 came from. It's clear that they got it from our it's clear that 02:29.780 --> 02:31.580 Alexa got it from our website. 02:32.060 --> 02:35.420 Johny Fernandez: So you're telling me is Alexa goes on 02:35.450 --> 02:35.840 deBanked.com 02:36.650 --> 02:40.160 Sean Murray: It had to have gone they obviously had an internet 02:40.160 --> 02:44.720 spider, go to our site, because it read a line from our About Us 02:44.720 --> 02:47.330 page. That's where that information came from. I'm like 02:47.450 --> 02:50.240 that exact phrase. I think that's a tagline we've certainly 02:50.240 --> 02:55.220 used. It's on our About Us page. So Alexa had an internet crawler 02:55.220 --> 02:57.830 internet spider go on our site, pull that information. And if 02:57.830 --> 03:00.350 you ask Alexa, what is deBanked? Now I'm assuming everyone's 03:00.350 --> 03:03.410 Alexa is giving the same answer. Maybe I'm completely wrong. But 03:03.410 --> 03:06.920 when I asked the question, it read back to me exactly what 03:06.920 --> 03:10.550 deBanked was, as it's defined on our website. That really 03:10.550 --> 03:14.150 surprised me. That was a whole separate thing that I was never 03:14.150 --> 03:17.090 even going to talk about here. The reason that is coming up is 03:17.090 --> 03:21.080 that this company called Smarter Loans, they're a Canadian, 03:21.230 --> 03:27.290 FinTech, loan and directory marketplace. They put out their 03:27.290 --> 03:32.420 annual FinTech report, they conduct a survey every year of 03:32.420 --> 03:35.690 people who have applied for online loans. And one of the 03:35.690 --> 03:40.160 questions that they asked was whether a person who had sought 03:40.160 --> 03:44.990 an online loan had ever asked Siri or Alexa or another voice 03:45.020 --> 03:49.700 assistant for information about financial services, and 25% of 03:49.700 --> 03:55.010 them said, yes, they had. And I was like, whoa, it never 03:55.010 --> 03:58.460 occurred to me to ask a financial service question to 03:58.460 --> 04:01.790 Siri. Yeah, or like do you have do you have Alexa or Siri or 04:01.790 --> 04:04.370 what do you have here? She's right here. Yeah. Oh, Siris oh 04:04.370 --> 04:06.680 Siris listening the whole time. Oh, hi, Siri. Hi. 04:06.720 --> 04:12.960 Johny Fernandez: Hey, Siri, how's it going? What is deBanked 04:15.990 --> 04:17.190 What is deBanked? 04:21.350 --> 04:25.520 Sean Murray: Which funny is that it just brought up my my, my 04:25.520 --> 04:28.460 contact information in his phone. So that was somewhat 04:28.790 --> 04:33.110 somewhat helpful. But Alexa, Alexa's answer, was obviously 04:33.230 --> 04:36.350 better suited for all that we're talking about. It's funny that 04:36.350 --> 04:39.620 it brought me up. I guess I'm in your phone is like Sean deBanked 04:40.220 --> 04:46.340 Which is pretty accurate. It is. But 25% of people have asked 04:47.660 --> 04:51.920 Siri or Alexa, a financial services question. Have you ever 04:51.920 --> 04:55.880 asked Siri Siri has Johnny ever asked you about financial 04:55.880 --> 04:57.860 services before? What would she say? 04:58.160 --> 05:01.130 Johny Fernandez: Hey Siri, what is financial services? 05:02.990 --> 05:05.360 Sean Murray: Financial services are the economic services 05:05.360 --> 05:08.000 provided by the finance industry. Alright, so yeah, it's 05:08.000 --> 05:10.790 one thing to ask about what is financial services? But I think 05:10.790 --> 05:11.150 I think, 05:11.360 --> 05:13.670 Johny Fernandez: Personally, on a personal level, I have never 05:13.670 --> 05:18.170 asked Siri or when I go to my sister's house or my parents 05:18.170 --> 05:21.920 house, they have Alexa. Yeah. And I've never asked 05:21.920 --> 05:26.720 specifically Hey, Alexa, you know, what is? Or like, you 05:26.720 --> 05:29.570 know, what is deBanked? I've never done it. Yeah. I'm, you 05:29.570 --> 05:32.840 know, I'm an old soul. So I kind of just do everything online. 05:32.870 --> 05:37.910 Yeah, I'll type www.google.com. Yeah, and I'll put in my, my, 05:38.120 --> 05:40.730 whatever I'm looking for. Yeah. Or I'll go to I'll go to 05:41.300 --> 05:42.830 deBanked. Yeah, for like, 05:42.840 --> 05:43.590 Sean Murray: I hope so. 05:43.590 --> 05:45.340 Sean Murray: I hope that's where you do all you're searching. 05:45.340 --> 05:45.500 Johny Fernandez: Yeah, 05:46.240 --> 05:50.230 Interestingly enough in that same study, they reported that 05:50.410 --> 05:56.680 50, only 57% of people who discovered the lender they were 05:56.680 --> 06:01.840 looking for bounded through an internet search. Only 57%. So in 06:01.840 --> 06:07.240 the olden days, the olden days, being listed high on Google was 06:07.240 --> 06:10.480 the be all end all. Because if you were going to be found off 06:10.630 --> 06:13.900 off the internet, on the on the internet, it had to be on 06:13.900 --> 06:17.500 Google, right. And nowadays, there's a lot of other aspects 06:17.500 --> 06:21.430 to the internet that people trust. Social media had ranked 06:21.430 --> 06:23.980 actually pretty high, I think it was like 13% of respondents said 06:23.980 --> 06:26.950 they discovered the lender that they ended up working with on 06:26.950 --> 06:28.720 social media. That's incredible. 06:28.750 --> 06:29.320 Johny Fernandez: That is incredible. 06:29.320 --> 06:31.150 Sean Murray: The first time they discovered them or encountered 06:31.150 --> 06:33.160 them was on social media. 06:33.190 --> 06:36.370 Johny Fernandez: So what that means is your social media 06:36.370 --> 06:38.620 presence, your internet presence, your Metaverse 06:38.620 --> 06:40.150 presence is important. 06:40.960 --> 06:41.500 Sean Murray: Yes, 06:41.500 --> 06:44.390 Johny Fernandez: Yes, it is. Well, because that's it. That's 06:44.390 --> 06:49.280 it for me as someone as a millennial. Yeah. Everything we 06:49.280 --> 06:54.500 get is from the internet. Like that's, that's the first place 06:54.500 --> 06:58.370 of reference that we get. Yeah, that I go to. So you might be a 06:58.370 --> 06:59.330 little bit different. But 06:59.480 --> 07:02.120 Sean Murray: No, I mean, I would I do the same. I start on the 07:02.120 --> 07:05.870 internet for basically almost everything. Yeah, yeah. I don't 07:05.870 --> 07:09.710 think that you have to be, you know, young, you have to be Gen 07:09.710 --> 07:13.370 Z to be internet, internet first. Yeah, I know, I know. I 07:13.370 --> 07:15.980 know, you're like, you know, Gen X or Boomer at heart, but Boomer 07:15.980 --> 07:19.790 at heart, Boomer at heart. But I think a lot of people start on 07:19.790 --> 07:23.930 the internet. It also mentioned in this report, that's 60% of 07:23.930 --> 07:29.300 people would feel higher competence in working with a 07:29.300 --> 07:32.180 lender if they had an informational video that they 07:32.180 --> 07:35.210 could watch. Oh, that's interesting. Yeah, that it 07:35.210 --> 07:36.020 builds confidence. 07:36.020 --> 07:38.646 Johny Fernandez: It does I can definitely see why. Having a 07:38.713 --> 07:42.267 background in broadcast television, you know, digital 07:42.334 --> 07:46.156 media production. I think everyone's very visual. And the 07:46.223 --> 07:50.178 reality is, I think, from the survey from other places that 07:50.245 --> 07:54.335 I've worked at it the, probably a little bit more than 50% of 07:54.402 --> 07:58.492 people, they have the reading capacity of a sixth grader. And 07:58.559 --> 08:02.515 that means like, just their capacity to like, absorb absorb 08:02.582 --> 08:06.940 knowledge, is usually visual. So that makes a lot of sense. Yeah, 08:07.007 --> 08:11.298 that you know, if you can see it if you can, like, not touch it, 08:11.365 --> 08:15.120 you can't or you kind of can touch the TV screen I guess 08:15.480 --> 08:16.830 Sean Murray: Well, I guess if Yeah. 08:18.030 --> 08:20.370 Johny Fernandez: But if you can see it, it makes it more real, 08:20.400 --> 08:23.070 like, you know, and it's under, like, you can understand it more 08:23.070 --> 08:25.350 versus it's just words yet. 08:25.480 --> 08:31.090 Sean Murray: It didn't it didn't mention or ask whether or not if 08:31.090 --> 08:32.860 there was a person present in the video. 08:32.860 --> 08:34.550 Johny Fernandez: I was just gonna bring that up. Because I 08:34.550 --> 08:37.940 think what's important is the way it's narrated, whether it's 08:37.940 --> 08:41.960 someone on camera, or someone off camera, the the verb, like 08:41.960 --> 08:45.590 the language that they use, you know, the verbiage all that 08:45.590 --> 08:50.090 matters, because people have the attention span of a fifth to 08:50.090 --> 08:52.940 sixth grader. Yeah. So you can't use big words, you have to 08:52.940 --> 08:56.360 really dumb things down and make sure they fully understand it 08:56.510 --> 08:59.870 and use basic English because not everyone's gone to college. 08:59.870 --> 09:03.080 Not everyone knows the fancy finance terms and they want 09:03.080 --> 09:06.440 those things broken down. Yeah. So that's a big piece of advice 09:06.440 --> 09:08.780 that people pay a lot of money for is that if you are making 09:08.780 --> 09:11.930 videos, to use simple language, because that's going to play a 09:11.930 --> 09:15.860 huge role in why people stay and watch your videos and find you 09:15.860 --> 09:17.960 credible and find you trustworthy. 09:18.440 --> 09:20.750 Sean Murray: That's good advice. Yeah, that's really maybe we 09:20.750 --> 09:24.020 should simplify what we're saying. We should. We try to 09:24.020 --> 09:26.690 keep it pretty simple. We do try to try to keep it pretty simple 09:26.690 --> 09:31.790 here. One thing I was a little disappointed in was that they 09:31.910 --> 09:35.960 did not study or did not expand further on the Siri and Alexa 09:35.960 --> 09:40.520 question. I wish we could know more about what type of 09:40.520 --> 09:44.600 financial services they asked about or how they asked the 09:44.600 --> 09:47.420 question. And maybe this kind of feeds into what you were just 09:47.420 --> 09:52.280 saying about simplicity. But I think it's easier for someone to 09:52.280 --> 09:57.560 say say out loud to themselves in a room. Yeah. What are my 09:57.560 --> 10:01.310 loan options? Yeah, versus going on the internet Yeah, having all 10:01.310 --> 10:03.470 these banner ads, you know, if you go onto Google, you're 10:03.500 --> 10:07.400 bombarded with ads, and you're like, landing a lender for my 10:07.400 --> 10:10.520 business. And you get all these links. And you're like, I click 10:10.520 --> 10:13.580 here. I don't know if I can trust this one, right? Yeah. And 10:13.580 --> 10:15.410 everyone's competing for your attention. 10:15.410 --> 10:18.090 Johny Fernandez: But my question is, and it's also your question 10:18.090 --> 10:22.740 is How? How does Alexa, I'm calling her she cause of the 10:22.740 --> 10:28.590 name. Alexa, how does she pick? The information? Like, That's 10:28.740 --> 10:33.300 the million dollar question is like, how does she know that 10:33.300 --> 10:37.800 this person is legitimate? This person is trustworthy. In this 10:37.800 --> 10:41.220 space, like, it's like, hey, I need you know, a lender, like, 10:41.250 --> 10:44.820 Alexa, which lender? Should I use? Or Hey, Siri, what lender 10:44.820 --> 10:45.570 should I use? 10:45.960 --> 10:48.180 Sean Murray: This obviously warrants a much further 10:48.180 --> 10:53.340 investigation. We did not have the opportunity to go and know 10:53.430 --> 10:57.060 and question or query all these things. Siris already giving us 10:57.060 --> 10:59.820 the answer oh that's because she wants to catch up. She heard us 10:59.820 --> 11:02.430 talking so positively about Alexa. She's like, I know, I 11:02.430 --> 11:06.210 know. Check out these, you know, these links on I found on the 11:06.210 --> 11:11.460 internet. But, you know, I would love to know more about exactly 11:11.460 --> 11:15.300 what was asked and think about the power that you could just 11:15.330 --> 11:20.340 have someone asking a question, what are my loan options? Or who 11:20.340 --> 11:22.860 are the best lenders, just saying it out loud is even 11:22.890 --> 11:27.780 easier than go opening taking out your device and typing 11:27.780 --> 11:30.060 something into Google then just thinking about like, what do I 11:30.060 --> 11:32.970 Google that gives me the result I want. And then Google is going 11:32.970 --> 11:36.600 to show you some ads on top of the organic links. You're like, 11:36.600 --> 11:40.590 Hey, I just I'm just asking a question in my own bedroom, and 11:40.590 --> 11:43.410 I can have a voice spoken back to me. I think everyone out 11:43.410 --> 11:45.720 there should be thinking about the potential of this 11:45.720 --> 11:48.480 technology, because we've been talking so much about like, hey, 11:48.480 --> 11:51.120 there's a button in QuickBooks Right? Or, Hey, there's this 11:51.120 --> 11:54.810 button in square. Yeah, hey, there's DoorDash capital, right? 11:54.900 --> 11:59.250 You have all these different pieces of technology that 11:59.250 --> 12:01.290 business owners are working with? You're like, oh, the 12:01.290 --> 12:04.500 button is the be all end all? No, it's if you're working with 12:04.500 --> 12:08.400 the food partner, has to be all end all. But now imagine, it's 12:08.400 --> 12:12.120 the device that the business owner is speaking to, in the 12:12.120 --> 12:15.120 privacy of their own home, they don't even have to go on to 12:15.120 --> 12:19.290 Google, or open up QuickBooks to hit a button. They can just say, 12:19.290 --> 12:21.870 who's the best lender? I don't know what the answer. That's 12:21.900 --> 12:24.450 honestly, that's the part of the part of the fun part about this. 12:24.660 --> 12:26.940 I don't know what the answer would be. But I think it's 12:26.940 --> 12:30.420 important that everyone start to look into it and imagine, yeah, 12:30.420 --> 12:33.780 and think about how do they get? How do they become the answer? 12:33.810 --> 12:36.330 Because I think Alexa is designed to give the answer that 12:36.330 --> 12:40.800 people seek not really to do you know, advertising or rankings, 12:40.800 --> 12:43.140 or I'm not sure how that works. You know, like I said, this is 12:43.140 --> 12:46.410 all this was all a surprise to me. But I think everyone out 12:46.410 --> 12:49.350 there should be thinking about voice assistants. And if people 12:49.350 --> 12:52.950 are querying them to get an answer, are you that answer? 12:53.170 --> 12:56.680 Johny Fernandez: Yeah, it reminds me a lot of there is a 12:56.680 --> 13:01.150 movie that came out in early 2000s, late 90s, early 2000s, it 13:01.150 --> 13:03.970 was on Disney Channel it's a Disney Channel Original Movie, 13:04.210 --> 13:06.760 it was called Smart House, and you can talk to the house and 13:06.760 --> 13:09.220 the house will respond, essentially where we've come. 13:09.610 --> 13:13.990 Except it's not your house. It's this device. But when you ask, 13:14.170 --> 13:17.140 you know, the device, certain questions, it would respond to 13:17.140 --> 13:19.480 you, automatic it was like a crazy. It was like, oh my god, 13:19.570 --> 13:22.300 this is the house of the future. Now we are in the future. This 13:22.300 --> 13:25.840 is 20 years later. And now we have it. But the quiet like the 13:25.840 --> 13:28.120 question that we all want to know you've been saying it is 13:28.120 --> 13:31.360 how do you get her to respond with your Yeah, you know, your 13:31.360 --> 13:35.650 company, your whatever you have to offer? Because if you can 13:35.650 --> 13:39.010 figure that out, I mean, you're pretty much you're in for, you 13:39.010 --> 13:41.140 know, that's like the best type of PR, 13:41.140 --> 13:43.070 Sean Murray: So I'm just taking off the cuff right here. I'm 13:43.070 --> 13:47.150 just thinking off the cuff right now. Okay. That study also said 13:47.150 --> 13:50.570 that, like, I think it was only like 9%. But that 9% of people 13:51.380 --> 13:53.960 decided that when they had questions they asked like a 13:53.960 --> 13:58.250 neighbor or a friend. And there's an entire segment of the 13:58.250 --> 14:02.870 industry that we often talk about that is convinced and has 14:02.870 --> 14:07.580 seen from their own data and experience the value in being 14:07.580 --> 14:10.520 able to talk to the customer when they have questions that 14:10.760 --> 14:14.690 customers or potential customers, they want to talk to 14:14.690 --> 14:17.300 somebody before they go through with something they're like, we 14:17.300 --> 14:19.280 can't all be tech you have to have that. That 14:19.280 --> 14:21.790 Johny Fernandez: That human Yeah, human interaction, but I 14:21.790 --> 14:24.430 want to talk to someone but I think that's that's for 14:24.490 --> 14:27.580 everything. Cause at the end of the day, in my mind, this is 14:27.580 --> 14:32.470 Johnny Fernandez like Boomer millennial mind. You know, the 14:32.470 --> 14:35.920 internet is great. You know, the references or resources that you 14:35.920 --> 14:38.680 can get online is great. But if I had a question, I would love 14:38.680 --> 14:43.090 to talk to you in person, just just like a level of security to 14:43.090 --> 14:45.970 make sure like, hey, like, is this guy really good? Or is this 14:45.970 --> 14:49.510 company really good? And there's something that the internet will 14:49.510 --> 14:52.900 never, like the internet is great, but I think like we've 14:52.900 --> 14:55.630 seen and stories that you've done, anyone can put anything 14:55.630 --> 14:58.750 online. But there's something about like a human connection 14:58.750 --> 14:59.530 that you're like alright 14:59.530 --> 15:02.307 Sean Murray: Alright so hear me out. I didn't get to I didn't 15:02.365 --> 15:05.617 get I'm sorry. I got kind of excited go ahead. Is it the 15:05.675 --> 15:09.160 human element? Or is it the talking to someone? Because what 15:09.218 --> 15:11.947 if that person sees the information or gets the 15:12.006 --> 15:15.606 information now wants to talk to someone about it? And who are 15:15.664 --> 15:19.033 they talking to? They start talking to Alexa about it. And 15:19.033 --> 15:19.091 We are we are in the future. At this point. That's you're 15:19.091 --> 15:22.749 Alexa has given them the answers and feedback. So they're still 15:22.807 --> 15:26.176 talking to someone. The question becomes, is it just about 15:26.234 --> 15:29.602 talking to someone and hearing it verbally and getting the 15:29.660 --> 15:33.145 answers to the information they feel comfortable with? Or do 15:33.203 --> 15:36.629 they actually have to be a physical human being? I think, I 15:36.687 --> 15:40.230 think this is just me talking off the cuff. This could be one 15:40.288 --> 15:43.830 of those things where we place such a high value on the human 15:43.889 --> 15:47.663 connection and customers wanting to talk to someone, I think, and 15:47.721 --> 15:51.438 I would have to bet that Amazon has already thought this through 15:51.496 --> 15:55.155 is that that someone that they could talk to will be Alexa. And 15:55.213 --> 15:58.756 so I want to talk to someone, that's, that's someone is gonna 15:58.814 --> 16:02.240 be the device in their house. And they're gonna provide all 16:02.298 --> 16:05.550 the answers that they want, and you don't need the human 16:05.608 --> 16:09.383 anymore. They will get the human experience, but from the device, 16:09.441 --> 16:12.635 they talked to that with somebody that had a little big 16:12.694 --> 16:16.062 chat with something they trust in the comfort of their own 16:16.120 --> 16:17.340 home. Think about it. 16:26.600 --> 16:28.670 describing that movie smart house. 16:28.700 --> 16:31.070 Oh, is that part of the movie. Okay. Yeah, they have a 16:31.070 --> 16:33.920 relationship with I feel like this sounds like almost like a 16:33.920 --> 16:35.600 2am conversation. Yeah, you know what I mean. 16:36.620 --> 16:37.490 Johny Fernandez: But in the movie, they have this 16:37.490 --> 16:42.770 relationship with the house and like the house like it's just a 16:42.770 --> 16:46.430 very weird movie, but it's not because where we live in now. 16:46.460 --> 16:50.750 Yeah. It's a what we're living in now. It's literally like, you 16:50.750 --> 16:53.810 know, the house takes care of that. They don't have a mom in 16:53.810 --> 16:55.700 the movie The Premises. Yeah, they don't have a mom. So the 16:55.700 --> 16:58.850 house is like their mom. And like they the house cleans up 16:58.850 --> 17:01.310 for them, and the houses everything for them. And the 17:01.310 --> 17:04.550 house isn't real. But something happens and then like the house 17:04.550 --> 17:08.120 becomes real but anyways, but house is real, but it's like it. 17:08.150 --> 17:15.650 Like it takes care of them. Like a human. But it's not it's just 17:15.650 --> 17:17.180 a house. It's a smart house. 17:17.180 --> 17:19.626 Sean Murray: So I think the takeaway here is everyone should 17:19.678 --> 17:22.406 be thinking about voice assistance and the potential 17:22.459 --> 17:25.187 potential of how they can be incorporated into their 17:25.240 --> 17:28.125 business. Yeah, it definitely warrants further study. I 17:28.178 --> 17:31.169 personally plan to look into this further. I would like I 17:31.221 --> 17:34.317 definitely like to know more shout out to smarter loans for 17:34.369 --> 17:37.360 putting together that annual FinTech report. I truly love 17:37.412 --> 17:40.770 that stat just because it played into the fact that I just asked 17:40.823 --> 17:43.813 Alexa, what is deBanked and Alexa knew, so I'm curious to 17:43.813 --> 17:43.866 So let me ask you this. Are you comfortable talking to Alexa? 17:43.866 --> 17:46.647 find out what else Alexa knows. as people become more 17:46.699 --> 17:50.057 comfortable asking more complex questions and getting the answer 17:50.110 --> 17:53.363 they seek the whole idea of I want to talk to someone before I 17:53.415 --> 17:56.511 do something that person could easily be that someone could 17:56.563 --> 17:58.610 easily be Alexa Siri or something else. 18:01.670 --> 18:07.460 Like, we like about recommendations that like do you 18:08.420 --> 18:10.160 So personally, on a personal level, 18:10.190 --> 18:13.430 I believe in really using it for basic things. What is the 18:13.430 --> 18:20.120 temperature? will it rain? Play music, add something to an 18:20.120 --> 18:24.500 online shopping cart, right? Like, like Amazon Fresh or 18:24.500 --> 18:28.160 something? Turn on the lights turn off the lights. For me, I 18:28.160 --> 18:31.940 already thought that was the extent of it. It apparently is 18:31.940 --> 18:35.540 way more complex than I had ever imagined. Right? And I think 18:35.540 --> 18:38.930 that there's a real opportunity for people to to look into 18:42.720 --> 18:44.580 Johny Fernandez: I don't really use Siri to be honest. 18:44.850 --> 18:47.910 Sean Murray: I don't use Siri either. Or I don't think Siri my 18:47.910 --> 18:51.210 personal opinion. Siri is not nearly as good as Alexa. 18:51.420 --> 18:54.030 Johny Fernandez: And I don't have an Alexa. So 18:55.050 --> 18:57.270 Sean Murray: Johnny, you're just very manual. 18:57.270 --> 19:00.090 Johny Fernandez: I just like to copy will be like Hello. Yeah. 19:00.210 --> 19:03.450 Very old fashioned. I am. I'm scared people are gonna take my 19:03.450 --> 19:05.610 identity. But they pretty much have it already. 19:07.100 --> 19:08.810 Sean Murray: Were were just talking you there. Yeah, your 19:08.810 --> 19:09.530 phone was just talking to you. 19:09.530 --> 19:13.140 Johny Fernandez: Oh, gosh, this is weird. The world we're living 19:13.140 --> 19:17.850 in. It's crazy. I don't like it. I love it. I like I like old 19:17.850 --> 19:21.840 school stuff. I like you know, recommendations. I like paper 19:21.840 --> 19:26.700 pencil touch feel like a device. I go crazy. If I just had a 19:26.700 --> 19:29.790 device. I had no friends on a personal level. But anyways, 19:31.320 --> 19:32.670 speaking of 19:33.120 --> 19:36.270 Sean Murray: That was like the three am that was quiet is like, 19:36.600 --> 19:41.190 I just like touching things man. Like being personal. 19:43.010 --> 19:44.990 Johny Fernandez: Alright, it's gonna get weird. Yeah. Alright, 19:44.990 --> 19:50.690 so back to it being 1251. So, let's, the conversation that 19:50.690 --> 19:53.000 we're gonna talk about now. I'm really excited about it's 19:53.330 --> 19:58.130 regarding Miami. So our March 24 deBanked Connect Miami. We are 19:58.130 --> 20:01.670 back in Miami the industries back in May for deBanked Connect 20:01.670 --> 20:05.570 Miami. So Sean, this is going to be taking place at the JW, 20:05.570 --> 20:10.700 Marriott Marquis right? March 24. So let's just start with 20:10.700 --> 20:15.380 some basic stuff. What is this event? Because it's not Broker 20:15.380 --> 20:19.280 Fair, we want to make that, like very well known. What is 20:19.280 --> 20:19.910 connect? 20:20.530 --> 20:24.670 Sean Murray: So deBanked Connect is a networking focused event 20:24.820 --> 20:27.640 it's not called Broker Fair for a reason. Because it is not 20:27.640 --> 20:31.150 Broker Fair, it's deBanked Connect, it's focused on 20:31.150 --> 20:33.820 networking, one of the key differences you will find by 20:33.820 --> 20:38.050 attending this event is that it is a half day, it's not a full 20:38.050 --> 20:42.400 day. So this is not a full day of sessions and panels. Yeah, 20:43.030 --> 20:46.330 there will be some of that there. Yeah. But that is not the 20:46.330 --> 20:50.170 main focus, it is literally about connecting. That is why 20:50.170 --> 20:53.770 Connect is in the name. Yeah. It's also why we've done other 20:53.770 --> 20:56.980 events in other cities like San Diego and Toronto, and those are 20:56.980 --> 21:01.270 also deBanked Connect, similar style half day, focused on the 21:01.270 --> 21:04.630 networking and connecting with other people in the industry, we 21:04.630 --> 21:08.380 have seen tremendous value, and being able to bring people 21:08.380 --> 21:13.240 together in person, in an industry where so much trust can 21:13.240 --> 21:16.660 be gained by forming that in person personal relationship, 21:16.660 --> 21:20.770 it's hard to get that online. It's like, okay, you've met on 21:20.770 --> 21:25.030 say, Daily Funder or LinkedIn or someone cold called you, or 21:25.030 --> 21:28.870 whatever it is, whatever method that you've encountered each 21:28.870 --> 21:31.720 other online. Now, it's important that you connect in 21:31.720 --> 21:36.040 person I cannot. I cannot overstate Yeah, the value of 21:36.040 --> 21:38.980 connecting and networking with people in the industry and 21:38.980 --> 21:40.360 alternative finance in person. 21:40.410 --> 21:43.080 Johny Fernandez: So this is a premier networking event. Let's 21:43.080 --> 21:46.080 talk about the networking lounges that are going to be at 21:46.110 --> 21:47.700 the location at the event. 21:47.910 --> 21:50.820 Sean Murray: Yeah. So I mean, you know, anyone can look up 21:50.820 --> 21:51.840 the, the venue and 21:52.860 --> 21:54.750 Johny Fernandez: Sure, to see dorry. 21:55.830 --> 21:59.820 Sean Murray: Okay, I didn't know I didn't know. Okay. Silence. 22:02.580 --> 22:06.030 Johny Fernandez: Okay. So networking lounges. 22:06.900 --> 22:09.240 Sean Murray: So we'll have two networking lounges, there will 22:09.240 --> 22:12.600 be a space in the middle where the speaker where the speakers 22:12.600 --> 22:17.160 will be, it'll be very easy to navigate. Okay. And it won't be 22:17.160 --> 22:23.190 like a big, confusing layout. The the sponsors will have a 22:23.190 --> 22:24.960 table similar to the ones they had at Broker Fair 22:24.960 --> 22:26.850 Johny Fernandez: Yeah, so it's gonna they will have a table me 22:26.850 --> 22:30.360 a big sponsor showcase room also. Yeah, it's so it's not 22:30.360 --> 22:32.130 gonna be in the lounge it's gonna be separate. 22:32.970 --> 22:36.150 Sean Murray: So I mean, you can, you can visualize it online. So 22:36.150 --> 22:39.780 there's basically like you walk in, and in the middle is the 22:39.810 --> 22:42.990 speaker area with the seating. And on the sides is where you 22:42.990 --> 22:46.080 have the networking spaces, there's actually two of them, 22:46.320 --> 22:49.590 two separate ones each each with tables that are everyone will be 22:49.590 --> 22:52.350 able to figure it out. By the way we have we have an app to 22:52.350 --> 22:56.700 help everyone visualize and figure out exactly what it's 22:56.700 --> 22:57.630 going to look like. Yeah. 22:57.780 --> 23:00.990 Johny Fernandez: So this was a question that came to mind right 23:00.990 --> 23:04.740 now. So if someone that is new to the industry, someone that 23:04.770 --> 23:07.020 you know, lender, broker, whoever you are, what do you 23:07.020 --> 23:09.630 think they should have in this type of event? Like, should it 23:09.750 --> 23:12.120 should they carry business cards? Should they carry their 23:12.120 --> 23:15.090 resume? Should they have everything on like a LinkedIn 23:15.090 --> 23:20.130 profile? You know, on there, like, Well, how should they 23:20.130 --> 23:21.360 prepare for this type of event? 23:22.140 --> 23:23.970 Sean Murray: Alright, so there's a lot of different things that 23:23.970 --> 23:26.760 go into it. I myself have already done three deBanked 23:26.760 --> 23:29.550 Connect Miami's. Okay, so I'm pretty experienced. Yeah. 23:30.450 --> 23:32.730 Johny Fernandez: I'm thinking I should bring my my hardcopy 23:32.730 --> 23:33.930 resume to pass out. 23:34.470 --> 23:36.600 Sean Murray: Okay, if you need a job, and you're there to 23:36.600 --> 23:40.830 connect. Sure. Bring your resume. It's not it's not a job 23:40.830 --> 23:43.170 fair, though. But if you're someone who worked in the 23:43.170 --> 23:46.980 industry, and is looking to get back in it, this would certainly 23:46.980 --> 23:49.620 be the right place for you. Yeah. So if that is why you're 23:49.620 --> 23:55.140 coming. Definitely bring your resume. But let's just start 23:55.140 --> 23:57.660 with the dress code. Yeah, okay, cause we get that question a 23:57.660 --> 24:00.750 lot. Okay. But what should I wear? Yeah, I think it's like a 24:00.750 --> 24:02.040 bit business casual. 24:02.100 --> 24:05.040 Johny Fernandez: Okay. No sandals and shorts and tank 24:05.040 --> 24:05.580 tops. 24:06.530 --> 24:08.510 Sean Murray: Definitely, I definitely no tank tops. Right. 24:08.540 --> 24:13.400 So there's kind of like there's a style that you see at these 24:13.400 --> 24:17.270 events. Yeah. Even though it's Miami you will see a lot of 24:17.270 --> 24:19.760 people wear like a sports like the men the men will wear a 24:19.760 --> 24:24.440 sports jacket. Yeah. Usually with like, no tie. Not everyone 24:24.440 --> 24:27.620 wears a sports jacket you can wear you can wear like a palm 24:27.620 --> 24:31.250 tree button down. Okay, right. You could you could wear a polo 24:31.250 --> 24:34.850 too, I suppose. But I think Polo is a little too dressed down. My 24:34.850 --> 24:38.150 advice would be, you know, buttoned down. Okay. Even though 24:38.150 --> 24:41.330 it sounds old fashioned. Business cards are still 24:41.360 --> 24:46.460 typically the vehicle that are used. Obviously, you can bring, 24:46.460 --> 24:50.630 you know, show people QR codes and everyone's pretty capable of 24:50.660 --> 24:54.440 technology. Yeah. But business cards are an essential you have 24:54.440 --> 24:56.780 to come to the event with business cards. It's highly 24:56.780 --> 25:00.350 expected that there will be an exchange you don't want to be 25:00.350 --> 25:03.410 that person who comes all that way and says, oh, sorry, I don't 25:03.410 --> 25:07.640 have a card, because so many connections formed at the show 25:07.970 --> 25:12.830 will be rekindled after the show. Yeah. And we do get those 25:12.860 --> 25:16.190 emails from people saying, Hey, I met someone there, they looked 25:16.190 --> 25:19.880 like this. If you could just give me their contact info, I 25:19.880 --> 25:23.540 would love to continue the conversation. I'm like, man, you 25:23.540 --> 25:26.540 know, like, who are they talking about? And like, you have to 25:26.540 --> 25:29.060 start going through the pictures. Yeah, to find out who 25:29.060 --> 25:32.420 they are. So definitely bring business cards it's a huge part 25:32.420 --> 25:36.320 of connecting, and networking. If you are a broker, let's talk 25:36.320 --> 25:40.250 about like, if you're a broker, yeah. If you're a broker coming 25:40.250 --> 25:45.980 to this show, do not be shy. If there's a funder you worked with 25:45.980 --> 25:50.390 before, or work with now, feel free to bring actual deal files 25:50.390 --> 25:53.690 with you. I've seen this happen before. This is actually good. 25:53.690 --> 25:56.330 It's good for both sides. Okay, it's good for both sides. If 25:56.330 --> 26:00.860 you're a broker, bring your deal files with you. Talk to the 26:00.890 --> 26:04.760 company that maybe declined your deals, or give you offers that 26:04.760 --> 26:09.350 didn't make sense. You will learn so much from the in person 26:09.380 --> 26:14.900 conversation about why Yeah or how or this or that that's 26:14.930 --> 26:18.500 sometimes lost when you have that communication online. Also, 26:18.560 --> 26:20.870 if you're a broker, and you're meeting a funder for the first 26:20.870 --> 26:25.100 time, every funder's question is in the back of their mind is can 26:25.100 --> 26:28.280 this person really bring me business? Is this a valuable 26:28.280 --> 26:31.220 conversation I should be having? Or is this someone who just 26:31.220 --> 26:34.280 doesn't? who's new to the industry? And I should be 26:34.280 --> 26:36.650 talking to the person there. Yeah, because my time is 26:36.650 --> 26:39.890 limited. If you're someone who literally brings deal files, I 26:39.890 --> 26:43.040 instantly believe that this person has deal files. Yeah. So 26:43.040 --> 26:45.650 it might sound a little weird to show up with like a manila 26:45.650 --> 26:49.820 folder. But I've seen it done. And it helps both sides. 26:49.850 --> 26:50.420 Tremendous. 26:50.420 --> 26:52.670 Johny Fernandez: Yeah. Well, two things I'm gonna say about that. 26:52.700 --> 26:56.930 The first thing is in other deBanked events, I've seen deals 26:56.960 --> 27:01.910 start mid day of like, day one, the next day, they're like, 27:01.910 --> 27:05.270 Yeah, deals done. Like we just, you know, these got like, people 27:05.270 --> 27:05.810 hustle 27:05.930 --> 27:08.990 Sean Murray: People yeah this does happen at Miami too where 27:08.990 --> 27:11.690 you see people kind of leave and go off to the side. Yeah. And 27:11.690 --> 27:13.250 you're like, oh, what's happening there? Some type of 27:13.250 --> 27:16.340 private conversation. Deals are actually getting funded at the 27:16.340 --> 27:19.910 show. Yeah, literally at the show. It's great. If you live in 27:19.910 --> 27:23.360 Miami, and you want to meet the funders in person. Or if you 27:23.360 --> 27:26.450 want to, you want to, you know, take your relationship to the 27:26.450 --> 27:28.640 next level or question things that they've done, and you want 27:28.640 --> 27:31.460 to understand a little more, or even get deals funded. You have 27:31.460 --> 27:33.950 to be at the show. Yeah. And if you come with if you come with 27:33.950 --> 27:35.960 stuff, yeah, it's gonna be to your own benefit. 27:35.960 --> 27:39.260 Johny Fernandez: It is. The other thing is, let's just say 27:39.260 --> 27:44.540 like relationships build. Or if you've had an experience with 27:44.540 --> 27:48.440 someone and it didn't go well, to kind of piggy bounce off of 27:48.440 --> 27:51.350 what you said, I think it's really important to reconnect 27:51.350 --> 27:55.160 with those guys and ask them in person, you know, why did this 27:55.160 --> 27:57.740 not happen? You know, whatever the case is, because I find it 27:57.740 --> 28:00.560 really interesting. I've done deals as a real estate agent 28:00.560 --> 28:04.820 with certain companies. And the experience was not pleasant. It 28:04.820 --> 28:07.760 was a little bit difficult. But then I meet them in person, and 28:07.760 --> 28:11.750 they're great people. And there's just either a loss of 28:12.470 --> 28:14.750 loss and translate, there's certain things that just went 28:14.780 --> 28:18.560 went down that. And it wasn't no, it was no one's fault. But 28:18.560 --> 28:22.790 it was just the situation we were in. Yeah. And in my mind, 28:22.790 --> 28:26.600 I'm like, I did not like that company, or I didn't like the 28:26.690 --> 28:29.540 the experience with this agent. But then you meet them in real 28:29.540 --> 28:33.410 life. And they're not bad people. It's just the situation 28:33.410 --> 28:37.640 was a little bit difficult to maneuver. Yeah. But I think 28:37.670 --> 28:41.540 it's, it's great to kind of get to meet people not only build a 28:41.540 --> 28:44.540 connection, but also expand your business, and maybe do business 28:44.540 --> 28:46.970 with them again, and now understand how they do business. 28:46.970 --> 28:49.220 Because I think that's something really interesting is, when you 28:49.220 --> 28:52.520 understand how people do business, not everyone does it 28:52.520 --> 28:55.790 the same. So you may think everyone does it the way you do 28:55.790 --> 28:58.220 it, or the way you were trained to but in reality, people do 28:58.220 --> 29:01.370 things differently, especially if you're in different states. 29:01.670 --> 29:04.610 So you know, or in the same city, but I don't know, there's 29:04.610 --> 29:06.830 just a number of things that can happen. But I think it's really 29:06.830 --> 29:10.670 interesting, because a lot of people need to learn how other 29:10.670 --> 29:13.070 people do business. So things go smoothly. 29:13.540 --> 29:18.550 Sean Murray: Yeah, these events are not built as just a good 29:18.550 --> 29:21.730 time. Yeah. When we think although you do have a good 29:21.730 --> 29:24.490 time, you do have a good time, but they're not built just for 29:24.580 --> 29:27.370 pleasure and leisure. And relaxation, we're not when we 29:27.370 --> 29:30.970 say you know deBanked Connect Miami. It's not supposed to be 29:30.970 --> 29:34.720 about like, oh, man, we're gonna go out and party. Yeah, we take 29:34.930 --> 29:38.530 this business, this industry very seriously. And it's about 29:38.530 --> 29:41.710 connecting you with the right people in the industry, not just 29:41.710 --> 29:44.920 funders and brokers, right other people within the ecosystem, 29:45.190 --> 29:49.450 lawyers, regenerators software companies, right, all types of 29:49.450 --> 29:53.200 vendors. This is your chance to connect with them and grow your 29:53.200 --> 29:56.470 business my hope for everyone who attends that they will walk 29:56.470 --> 30:00.820 away with something actionable, right? And then and actually 30:00.850 --> 30:05.410 grow afterwards. Yeah, I it's not intended to just be, you 30:05.410 --> 30:08.620 know, a leisure activity, you know, we obviously make it fun. 30:09.040 --> 30:12.790 But we always think about the value that companies and 30:12.790 --> 30:16.150 attendees are going to get by going to the event. That's how 30:16.150 --> 30:19.690 we that's how we build up each individual shelf, what's going 30:19.690 --> 30:22.540 to produce the most value for those that come? 30:22.690 --> 30:26.230 Johny Fernandez: Yeah. The other thing is something that we're 30:26.230 --> 30:28.960 going to put on our, on our social media platforms and 30:28.960 --> 30:32.230 whatnot, is grab list of different things about what 30:32.230 --> 30:35.860 Connect is. The other thing is actual insights, learning. You 30:35.860 --> 30:38.890 know, this is also an experience for you to learn, whether it's 30:38.890 --> 30:41.110 from just connecting with other people seeing how they're 30:41.350 --> 30:44.140 especially new guys, I've met a lot of new people at these 30:44.140 --> 30:46.660 events. They're literally starting from the ground up, 30:46.750 --> 30:50.920 they funded one deal in the last year. And they're like, Hey, how 30:50.920 --> 30:55.090 does this work? What do I do? So learning is a key thing in this 30:55.090 --> 30:58.450 type of environment. But not only from your peers to peers, 30:58.450 --> 31:01.480 but also from, you know, other brokers, other lenders, other 31:01.480 --> 31:05.620 veterans in the industry, that actually bring knowledge to the 31:05.620 --> 31:08.890 table. And it can be very intimidating, because I've been 31:08.890 --> 31:11.350 in this scenario where, you know, you're the new guy, or 31:11.350 --> 31:14.950 that you're the younger guy. And a lot of people are veterans, 31:15.130 --> 31:18.310 and you going up asking questions, or approaching and 31:18.310 --> 31:21.040 being proactive, but something I've learned is that when you 31:21.040 --> 31:24.940 take that approach, and you are proactive, and you talk to these 31:24.940 --> 31:28.720 guys, that you see you network with them, and and not ask a 31:28.720 --> 31:34.300 silly question that's like, hey, how do you how do you make $500 31:34.300 --> 31:37.990 million a year, like, really get to know them? Really ask them 31:38.290 --> 31:42.520 specific, poignant questions. That is, that's how you learn. 31:42.520 --> 31:46.180 That's how you grow. And I think in these scenarios, in these 31:46.870 --> 31:50.320 situations that we're in, for the events, it's a great 31:50.320 --> 31:53.290 opportunity for you to really learn and capture all the 31:53.290 --> 31:55.900 knowledge you can get and learn as much as you can, Sure, go 31:55.900 --> 31:58.750 home, connect with them. And then after that, you know, you 31:58.750 --> 32:02.650 can eventually grow your business and have a mentor, you 32:02.650 --> 32:06.220 know, obviously, it can go a number of different ways. So I 32:06.220 --> 32:09.880 think learning is the key thing. When you go to these events 32:09.880 --> 32:10.840 besides networking. 32:10.900 --> 32:13.690 Sean Murray: Yeah, well, a lot of that obviously comes from the 32:13.690 --> 32:17.560 panel's of the speakers that we have there. Now, I can't reveal 32:17.590 --> 32:21.520 who the panelists are just yet. Yeah, everyone should know that 32:21.550 --> 32:25.300 our approach to the panels, is on the same is, you know, comes 32:25.300 --> 32:28.690 from the same place as the value we want to bring to the event. I 32:28.690 --> 32:34.990 think what can happen with some other conferences, is that the 32:35.050 --> 32:39.850 the speaking portion is almost like a like a sales pitch. Yeah, 32:39.970 --> 32:44.230 like you go into what is it looks like a panel or a speaking 32:44.230 --> 32:47.170 session, but it's kind of like an ad from a company that's like 32:47.170 --> 32:50.890 a sponsor or something. Yeah. And we're, we designed the 32:50.890 --> 32:55.030 panels to, to create the most value for those in attendance, 32:55.030 --> 32:58.060 we always think about what are the current events that are 32:58.060 --> 33:01.120 relevant? Right. So like, know, what's gonna what's going to be 33:01.120 --> 33:03.640 spoken about an event from nine months from now? Yeah, I can't 33:03.640 --> 33:08.620 say, because we really tried to target target the content around 33:08.620 --> 33:12.820 what's happening. Now, what's relevant now? How can we answer 33:12.820 --> 33:16.540 the questions that people have, so that they leave with certain 33:16.570 --> 33:21.130 facts and actionables to go and actually grow their business? So 33:21.130 --> 33:23.530 again, I can't mention who exactly the panelists are going 33:23.530 --> 33:27.220 to be. Now we do have everything set up. But a lot of the 33:27.220 --> 33:29.920 learning of course, it comes from the interaction. Yeah, and 33:29.920 --> 33:33.610 stuff there. But just know that also, in the in the limited 33:33.610 --> 33:37.240 amount of speaking sessions we have at deBanked Connect Miami 33:37.240 --> 33:42.400 or any event, we think very much about what is going to help 33:42.430 --> 33:43.990 those in attendance the most. 33:44.130 --> 33:47.850 Johny Fernandez: Yeah. So to recap, deBanked Connect Miami is 33:47.850 --> 33:52.170 on the 24th. But on the 23rd we have another event going on. So 33:52.170 --> 33:53.190 let's talk about that. 33:53.380 --> 33:56.140 Sean Murray: Yeah, so I'm glad you brought that up, Johnny. 33:56.140 --> 34:00.160 Johny Fernandez: No problem. It's, it's, I don't want to go 34:00.160 --> 34:00.340 ahead. 34:00.370 --> 34:03.760 Sean Murray: Alright. You don't want it you don't. It's not a 34:03.760 --> 34:06.610 surprise. It's not a surprise. So we did put out there on 34:06.610 --> 34:09.880 social media that we will be doing a golf outing the day 34:09.880 --> 34:13.960 before. We will be doing a golf outing at Miami Shores Country 34:13.960 --> 34:16.360 Club, okay, so it's in the neighborhood, it's not too far 34:16.360 --> 34:20.290 away. It's about 20, 20 minutes from the venue. I must stress 34:20.590 --> 34:24.490 that it's not part of the event. So much as if you buy a ticket 34:24.490 --> 34:27.520 to deBanked Connect Miami, you're automatically enrolled in 34:27.520 --> 34:29.110 golf, it is separate. 34:29.170 --> 34:33.310 Johny Fernandez: Okay, separate event, separate price. And it's 34:33.310 --> 34:34.540 not included in your ticket 34:34.600 --> 34:37.420 Sean Murray: It's not included in your ticket. It is separate, 34:37.450 --> 34:41.980 okay. You do have to register through the country club itself. 34:42.130 --> 34:45.640 So if you want to golf on that day, you must call Miami Shores 34:45.640 --> 34:50.080 Country Club and register that way. We do have a group code on 34:50.080 --> 34:54.520 our website at deBankedMiami.com that will help you do that so 34:54.520 --> 34:57.250 that you get registered at the right time and they know exactly 34:57.250 --> 35:00.940 what event that you're there for. It's going to be be a 35:00.940 --> 35:04.570 morning event. It's approximately 10am ish start 35:04.570 --> 35:07.720 time. We will have several foursomes throughout the day. 35:08.050 --> 35:10.780 There's not going to be like a separate cocktail party or 35:10.780 --> 35:14.830 something there. It's purely about the golf. Because so many 35:14.830 --> 35:18.550 people like golf, which I know, because we did a golf outing in 35:18.550 --> 35:21.610 2017. And nobody has stopped talking about it ever since. 35:21.690 --> 35:24.600 Johny Fernandez: Okay, that's exciting. I'm excited for it. So 35:26.040 --> 35:26.970 are you excited for it? 35:27.120 --> 35:30.990 Sean Murray: I am excited. I am excited for it. But you know, my 35:30.990 --> 35:35.880 record as a golfer is kind of tarnished in this with this 35:35.880 --> 35:40.080 particular audience, because of what happened five years ago. 35:40.410 --> 35:41.970 Johny Fernandez: So I don't want to bring it up. But do you want 35:41.970 --> 35:44.010 to share really quick in a quick two sentences? 35:44.400 --> 35:47.160 Sean Murray: Yeah, so if anyone remembers, so we did a golf 35:47.160 --> 35:51.240 outing in 2017. It was in Marine Park, Brooklyn, okay. It was 35:51.240 --> 35:53.430 actually the first event that we'd ever done. We had never 35:53.430 --> 35:56.520 done an event before. 2017. We did a golf outing, Marine Park, 35:56.520 --> 36:00.030 Brooklyn. I don't even golf. So we hosted a golf outing, I don't 36:00.030 --> 36:05.790 even golf. And I was determined to be a part of the event that 36:05.790 --> 36:08.250 we were putting on. So I went to all the trainings I had somebody 36:08.250 --> 36:10.740 helped me I did. I did the simulator. I went to the golf 36:10.740 --> 36:13.260 course, etc. And the week before the event, what happened? I 36:13.260 --> 36:16.170 broke a bone in my foot. And I was on crutches and I had a 36:16.170 --> 36:16.950 gigantic boot. 36:17.010 --> 36:17.940 Johny Fernandez: What a coincidence. 36:17.970 --> 36:22.770 Sean Murray: I had nobody nobody believed nobody believed me. I 36:23.430 --> 36:26.400 especially since when you have like a boot, you can still kind 36:26.400 --> 36:27.000 of walk. 36:27.030 --> 36:29.040 Johny Fernandez: Yeah, right. And when you're like, yeah, 36:29.040 --> 36:29.250 like, 36:29.460 --> 36:31.050 Sean Murray: People will see that like, oh, that's totally 36:31.050 --> 36:33.510 fake. It's definitely just like they'll go have you sprained 36:33.510 --> 36:36.360 your ankle, right? Like, like, you know, get out there and 36:36.360 --> 36:39.780 play. But it was legitimately broken in half, I think is like 36:39.780 --> 36:41.790 my fifth metatarsal or something. So it's pretty 36:41.790 --> 36:44.400 brutal. I was in a lot of pain. But it happened a week before. 36:44.700 --> 36:46.620 And I just rode around on the rode around with the 36:46.620 --> 36:50.340 photographer on the golf cart. That's what I did. That's what I 36:50.340 --> 36:51.060 did for the whole day. 36:51.090 --> 36:53.010 Johny Fernandez: So you, you have to show up at this event 36:53.010 --> 36:55.530 and really bring it you've had five years to recover. 36:55.600 --> 36:58.360 Sean Murray: I've had five years to recover. But I just want to 36:58.360 --> 37:00.670 put out there it's not impossible that I break a bone 37:00.730 --> 37:04.690 right before a few days before. So I will be there. I will be 37:04.690 --> 37:07.390 there. But we'll see how my how my bones are doing. 37:07.450 --> 37:09.100 Johny Fernandez: Alright, I'll play for you. How about that? 37:09.190 --> 37:11.500 Sean Murray: Oh, actually, you're going to be there? Right? 37:11.500 --> 37:12.160 Johny Fernandez: Yeah, I'm going to be there. 37:12.160 --> 37:14.670 Sean Murray: Okay, so it sounds like and from what we've heard, 37:14.670 --> 37:19.140 we will have some people from deBanked. There too. And the way 37:19.140 --> 37:22.260 that the the the event is set up, is that you will have to 37:22.260 --> 37:25.350 build your own foursome, okay, you will have to build your own 37:25.350 --> 37:28.470 foursome. And that's intentional, because there are 37:28.470 --> 37:30.780 good golfers and there are not so good golfers. Yeah, and I 37:30.780 --> 37:33.840 don't want to pair people up with the wrong group. There are 37:33.840 --> 37:38.010 also people who hope to network with someone specific. And it 37:38.010 --> 37:41.460 would be a bummer if you had to spend the whole outing with 37:41.460 --> 37:45.180 someone who didn't add any value either to your day or to your 37:45.180 --> 37:47.460 business, right. Because at the end, at the end of all this, 37:47.460 --> 37:51.060 it's about building value for your company, and network and so 37:51.060 --> 37:55.560 forth. So we will let you create your own team for so that when 37:55.560 --> 37:59.760 you golf, you definitely received the maximum impact and 37:59.760 --> 38:02.520 that we don't, you know, thrust you into something that that 38:02.520 --> 38:06.900 doesn't create what you want out of it. So, March 23, you can 38:06.900 --> 38:10.740 golf at Miami, Miami Shores Country Club, you can go to 38:10.740 --> 38:15.540 deBankedmiami.com. We have a golf tab. You can't buy a ticket 38:15.540 --> 38:18.780 for it on the website, you have to contact the country club 38:18.780 --> 38:22.560 itself, and use the deBanked group code that will allow you 38:22.560 --> 38:26.610 to sign up for the foursomes on the morning of March 23. 38:27.990 --> 38:30.030 Johny Fernandez: All right, I'm excited. This is gonna be a 38:30.030 --> 38:35.820 great couple. I'm super pumped. 23rd 24th. Let's do this. Miami 38:35.820 --> 38:36.540 here we come. 38:36.570 --> 38:40.170 Sean Murray: When we did that virtual event in 2020, we did a 38:40.170 --> 38:43.830 virtual event. And there was a it was so funny. We had a chat 38:43.830 --> 38:46.290 room you could go into like the sessions and watch the videos. 38:46.320 --> 38:49.230 Everyone was remote. And but there was also like a general 38:49.230 --> 38:51.630 chat room was kind of it reminded me like I like an AOL 38:51.630 --> 38:54.150 chat room from back in the day. Because it was just everyone in 38:54.150 --> 38:57.330 there. There was like spamming going on but it was it was it 38:57.330 --> 38:59.400 was everyone from the industry just like in this chat room. 38:59.400 --> 39:02.820 Yeah, we're all working from home. We're all stuck. And you 39:02.820 --> 39:05.010 know, want to know what everyone was talking about. Everyone was 39:05.010 --> 39:07.260 just talking about golfing, really everyone was talking 39:07.260 --> 39:10.530 about golfing, and telling us that we had to do golf again. So 39:10.530 --> 39:13.590 okay, we are we are bringing golf back into the mix. We 39:13.590 --> 39:15.450 understand that so many people out there like golf. 39:15.480 --> 39:17.250 Johny Fernandez: Yeah. And you know what, honestly, if you're 39:17.250 --> 39:20.430 in New York, by March, we're going to get sick of the cold. 39:20.550 --> 39:24.960 So it's a great excuse to just head to Miami. And just enjoy 39:24.960 --> 39:28.410 the nice weather, great activities, great people. These 39:28.410 --> 39:34.440 events Honestly, I never it's it's amazing to me because it's 39:34.440 --> 39:37.110 there was just such a good time. And I'm not just saying it 39:37.110 --> 39:41.310 because I work here but it really is. It's a good time you 39:41.310 --> 39:44.640 meet all these different types of people from different areas 39:44.640 --> 39:47.460 of the country. And everyone's always they always have an 39:47.460 --> 39:50.550 interesting story. It's great. I love it. So I'm excited. 39:50.570 --> 39:53.030 Sean Murray: The Miami events are absolutely great. Like I 39:53.030 --> 39:56.720 said, this is going to be our fourth one. I am a season pro of 39:56.720 --> 40:00.200 the deBanked Connect Miamis highly suggest all of you come 40:00.740 --> 40:03.500 You can do golf the day before too what could be better. 40:03.530 --> 40:05.690 Johny Fernandez: I know can you know what could be better? 40:08.390 --> 40:10.130 Sean Murray: I don't know what we're doing 40:10.460 --> 40:12.260 Johny Fernandez: Hanging out with us getting some pizza. 40:12.320 --> 40:13.670 That's not gonna happen this time around. 40:13.900 --> 40:17.320 Sean Murray: Okay, next year way to get everyone all excited now 40:17.350 --> 40:20.140 hey you know what would be better. Oh, sorry, we don't have 40:20.140 --> 40:20.260 that 40:21.010 --> 40:23.710 Johny Fernandez: No pizza in Miami. Maybe next Broker Fair. 40:23.710 --> 40:25.090 Sean Murray: Maybe we'll get like a Cuban coffee or 40:25.090 --> 40:29.020 something. Okay. Yeah. Cuban sandwhich a Cuban sandwich. 40:29.620 --> 40:31.630 Johny Fernandez: I'm excited. That got me even more excited 40:31.720 --> 40:34.030 Sean Murray: Cuban sandwiches with Johnny deBanked Miami 40:36.060 --> 40:38.916 Johny Fernandez: But, yeah, I think that's that pretty much 40:38.984 --> 40:43.065 does it for today. So again, please, you know, check out the 40:43.133 --> 40:47.351 website. And you know, pretty much hope to hopefully we'll see 40:47.419 --> 40:50.820 you there. So that's, that's it. That's all we got 40:50.880 --> 40:53.480 Sean Murray: deBankedmiami.com deBankedmiami.com 40:53.670 --> 41:00.380 Johny Fernandez: deBankedmiami.com. Alright, that's it. That's it. All right, you guys. Well, thank you guys for joining us today. Again. I'm Johnny Fernandez. 41:00.420 --> 41:01.050 Sean Murray: I'm Sean Murray. 41:01.050 --> 41:02.310 Johny Fernandez: And we'll see you guys next time.