►
From YouTube: Mountain Community Capital Fund
Description
March 5, 2021
A
C
A
I
good
good
morning,
everyone
I
want
to
welcome
you
to
our
march
5th
mountain
community
capital
fund.
Meeting
first
thing
I
want
to
do
is
just
kind
of
go
down
and
call
the
roll
just
remember
we're
live
on
youtube
and
keep
your
phones
muted
or
until
it's
time
for
you
to
speak
once
I
call
your
name
if
you're
unmute
and
let
me
know
that
you're
here
and
then
you
can
read
me
and
we'll
proceed.
A
D
A
Tony
mcdowell,
here,
dee
williams,
here
tara
brown.
I
don't
know
that
I
saw
her
on
yaslane
gonzalez
here:
jesse
maxwell,
okay,
we'll
get
started
first
thing
I
want
to
do
is
I
just
want
to
acknowledge
that
sam
powers
is
going
to
be
retiring
from
the
city
after
16
years
of
service,
and
we
just
really
want
to
congratulate
you
on
your
retirement
and
thank
you
for
all
that
you've
done
for
the
city
and
as
well
as
for
this
com
for
this
committee.
So
congratulations,
sam.
D
It
would
be
very
very
brief,
madam
chair.
Thank
you
thanks
for
the
acknowledgement,
no
I'm
excited
to
be
retiring,
I'll,
miss
working
with
everyone,
but
we've
got
a
great
group
here
and
I'm
really
excited
about
the
progress
that
we're
starting
to
make
here
and
I'm
looking
forward
to
seeing
really
good
things
as
more
and
more
businesses
are
able
to
take
advantage
of
this.
So
keep
up
the
good
work
and
and
thanks
to
everyone.
A
Thank
you
sam,
and
we
want
to
also
acknowledge
that
barbara
whitehorn
has
moved
on
and
we
wish
her
well
and
in
that
regard
I
want
to
welcome
tony
mcdowell
to
our
committee,
who
is
I'm
going
to
be
serving
interim
until
we
until
that
spot
is
phil?
So
tony,
do
you
want
to
say
a
few
words
and
introduce
yourself.
E
A
Good
morning,
thank
you
so
much
so,
and
I'm
just
getting
announcements
out
the
way
before
we
get
officially
started
so
terms
will
expire.
It's
kind
of
interesting
to
know
that
we
already
reached
that
point
where
terms
are
expiring,
so
terms
are
expiring
april
21st
of
this
year.
I've
heard
from
most
of
everyone
on
the
committee
and
the
only
one
that
we
won't
be
fortunate
enough
to
have
going
forward
will
be
rob
and
payne
she's
deciding
to
roll
off
the
committee.
A
A
C
A
A
A
B
A
A
G
G
G
G
G
The
term
of
the
loan
is
120
months,
six
months,
no
payment
six
months
interest
only
and
then
108
principal
and
interest
payments,
and
there
are
no
real
concerns
with
the
credit
history,
no
late
payments
or
bankruptcies
or
anything
like
that.
One
full-time
job
created
and
one
one
part-time
job
created,
and
then
they
have
received
over
five
hours
of
technical
assistance
and
advertising
website
development
and
will
continue
to
receive
technical
assistance
provided
by
mountain,
miss
works
and
accounting
and
financial
bookkeeping.
G
G
This
loan
is
for
working
capital
and
also
to
increase
virtual
presence,
and
they
were
also
wanting
to
launch
wholesale
again.
The
terms
are
120
months,
12
months
of
interest.
Only
then
108
payments
of
principal
and
interest
there
is
the
score,
was
a
little
bit
lower
due
to
a
bankruptcy
that
was
filed
in
2019
and
jobs
created
that
they
have
three
jobs,
full-time
retained
and
five
part-time
retained.
G
B
B
B
A
B
B
Year
of
operations,
yes,
okay,
and
wanted
to
just
ask
what
is
the
piti
on
the
first
one
and
the
second
one
when
when
it
becomes
operable,
I
don't
understand
just
the
payment
stream.
What
is
the
payment
each
month
once
they
begin
to
pay
each
one
of
these
people
for
cash
flow
purposes?
Just
just
look
taking
a
look.
Oh
it's.
G
B
G
B
H
G
B
Okay,
are
these
refi
or
any
of
these?
These
are
all
new
money
right.
It's
all
new
money,
new
money,
okay,
all
right
thanks
so
much,
and
could
we
possibly
from
now
on
have
these
forms
for
our
own
records
just
so
we
can
know
what's
going
on
because
it
has
no
pii
on
it.
Is
that
a
possibility?
I've
been
asking
this
question
for
a
while.
B
B
D
D
I
wonder
if
there
is
a
place
dee
that
and-
and
I
am
not
a
technology
person,
but
if
there
is
either
through
a
drop
box
or
a
password,
protected
site
someplace,
where
we
could
go
to
view
that
information
and
have
access
to
that
information.
But
perhaps
it's
not
out.
You
know
it's
not
out
in
the
community
as
such
and
I'm
you
know,
I'm
just
asking
that.
B
I
I
would,
may
I
please
be
recognized
for
just
a
moment
the
city
attorney
from
what
I
know
has
reviewed
this,
and
there
are
no
concerns
with
pii
from
what
I've
been
told.
It's
not
that
we're
trying
to
put
this
out
in
the
community.
This
is
for
informational
purposes,
and
I
don't
know
I
want
to
just
speak
very
candidly.
B
It
feels
funny
when
you
don't
really
when
you've
been
appointed
to
a
committee,
and
you
don't
really
have
a
firm
grasp
on
who
is
getting
what
and
when
you
are
held
to
account,
as
we
should
all
be
when
we're
appointed
by
an
elected
representative,
and
some
of
this
represents
taxpayer
money.
We
need
to
be
able
to
have
a
point
of
reference.
I
I
don't
understand.
What
are
you
able
to
glean
this
personally
identifiable
information
from
this
form?
B
I
I
guess
that
is:
I've
worked
for
the
census,
bureau
and
they're
the
keepers
of
pii,
and
so
when
we
concocted
this
form,
we
were
very
careful
not
to
betray
that.
I
guess
I
just
don't
understand
the
concern,
which
is
why
it
hasn't
gone
out
in
over
a
year
if
this
was
a
concern
from
all
along
and
it
was
sent
to
brad
brannan
by
the
way,
and
he
expressed
no
concerns
whatsoever.
B
B
D
A
G
I
I
G
They
have
found
a
way
to
increase
their
sales
by
using
a
virtual
platform.
So
a
lot
of
the
funding
will
go
towards
them
or
for
that
they
have
actually
had
some
increase
in
sales
because
of
covet
they're
in
the
industry,
where
they
they
have
actually
benefited
from
it.
So
this
one
I
mean
they're
they're
doing
great.
The
expansion
in
the
virtual
presence
will
be
very
beneficial
to
them,
the
other
twenty
thousand
dollar
one
actually
right
here.
She
sorry,
let
me
think
about
this
one.
G
She
has
not
been
affected
by
it
again
because
a
lot
of
the
service
that
she
provides
it's
hard
to
to
say
what
to
explain
about
this
one,
because
it's
try
not
to
use
certain
words
no,
but
they
haven't
really
been
affected
by
it.
They've
been
resilient
and
have
found
other
ways
to
offer
their
services
without
having
to
really
be
in
contact
with
or
close
contact
with,
their.
I
Clients,
that's
helpful,
yes,
lenin
it
it's.
I
think
it's
important
for
this
group
to
know
kind
of
you
know
these
covet
focused
businesses,
because
the
hope
you
know
is,
of
course,
that
one
day
we're
more
normal,
whatever
that
means
and
right,
but
also,
I
think,
it's
exciting
to
see
a
business,
that's
kind
of
reframing
and
recasting
with
a
web
presence,
because
and
as
we
think
about
how
we
grow
this
program
and
success
in
the
space.
I
A
D
A
D
E
A
G
So,
let's
see
here,
okay,
so
this
one
is
a
request
for
50
000
as
well.
They
have
been
existing
since
2019.
It
is
a
person
of
color
and
lmi
as
well.
The
net
profit
for
2019
was
negative,
28
000.
It
was
their
starting
year.
So
there's
there
were
some
operating
expenses
there.
However,
in
2020
their
net
income
jumped
up
to
31
000,
based
on
the
2020
financials,
which
is
a
tax
return.
The
debt
service
coverage
ratio
is
4.77
times
they
are
located
in
buncombe
county.
G
Essentially,
the
purpose
of
the
loan
is
for
working
capital
and
also
to
increase
a
presence
in
a
in
a
different
market
which
is
charles,
north
or
south
carolina,
and
it
is
a
blanket
lien.
The
terms
is
120
months,
12
months
of
interest.
Only
then
108
months
of
principle
and
interest.
The
payments
are
550
205
a
month.
G
No
real
concerns.
Credit
score
is
a
little
lower
due
to
some
collection
accounts
in
2020,
but
they
are
now
working
on
settling
those
accounts.
Three
full-time
jobs
retained
and
they
will
be
an
applicant
to
mountain
biz
works
scale-up
program
which
they
will
receive
over
10
to
15
hours
of
technical
assistance
and
also
can
be
a
candidate
to
apply
for
a
crowdfunding
campaign.
B
H
A
C
D
E
A
A
I
just
want
to
ask
gasoline,
given
the
questions
that
dee
was
asking
about
the
loans.
Is
there
a
way
for
that
to
be
built
in
the
presentation
as
well,
because
we
do
want
to
make
sure
we're
making
informed
decisions
on
these
loans,
and
I
do
want
to.
I
know
it's
not
on
the
agenda,
but
I
do
want
to
take
a
minute
to
try
to
figure
out
if
the
form
is
sufficient.
A
G
G
Honestly,
I
think,
there's
some
other
information
that
we
could
possibly
add
to
just
give
you
guys
the
most
information
possible,
okay
and
probably
a
different
format
as
well,
and
the
reason
why
I
said
that
it's
just
because
it's
a
little
difficult,
it's
an
excel
form.
So
it's
a
little
difficult
for
me
to
to
create
it.
So
I
do
think
that
there
should
they
can
be
other
information
that
we
could
that
you
guys
could
benefit
from.
B
B
I
think
we've
learned
enough
just
from
what's
been
going
around
what
accountability
means
and
that
the
board
know,
even
though
mountain
biz
is
the
lender
of
record
and
of
course,
ascribes
to
due
diligence.
I
I
guess
we
represent
the
public
and
we
represent
those
who
put
us
here.
So
I
was
not
trying
to
be
difficult
or
anything
like
that,
but
we're
here
because
of
our
expertise
and
the
I
guess
I
feed
in
the
community.
It's
been
a
long
haul
just
to
get
this
farm
done,
because
you
see
it's
been
over
a
year.
B
I
checked,
I
think
it
was
december
20th
20,
whatever
it
was
2019
or
whatever,
and
we
haven't
had
it
out
yet
so
anything
that
could
be
done
to
promote
tran
transparency
and
just
in
increase
our
knowledge
base
is
what
I'm,
after
I'm
not
trying
to
be
difficult.
Despite
what
you've
heard,
I'm
a
technician
as
well,
and
I
do
believe
that
we
are
accountable
to
those
who
appointed
us
and
most
of
all,
to
the
public
and
to
these
entrepreneurs
if
we
can
help
them.
This
is
information
we
use.
B
C
C
If
there's
a
need
to
revisit
with
legal
to
make
sure
that's,
okay,
it
should
be
fairly
easy
because
my
recollection
is
we
did
we
did
that
diligence
at
the
outset.
I
also
think
yes,
lean's
suggestion
of
evolving
the
forum
as
we
learn
more
about
the
program
makes
a
lot
of
sense.
My
suggestion
would
be
to
look
at
our
data
sheet,
which
is
sort
of
the
roll-up
of
the
information
from
the
form
the
the
excel
sheet,
and
maybe
there
are
components
on
data
reporting.
Maybe
there
are
more
elements
that
we
would
want
to
include
there.
A
A
If
you
would
just
do
the
same
you
and
whoever,
like
additional
lenders-
and
I
can
email
the
three
of
you
all,
just
to
kind
of
talk
about
confirm
what
we've
talked
about
today
and
then,
if
we
want
to
take
a
look
at
what
the
forum
needs.
In
addition,
if
you
could
just
make
notes
somewhere,
maybe
we
can
talk
about
a
different
format
and
to
make
it
easier,
because
since
you,
the
lenders
are
using
the
form
it
has
to
work
for
you
all.
A
A
I
Yep
thanks
lynn-
I
I
just
wanted
to
chime
in
and
you
know
one
sort
of
thing:
everyone,
that's
providing
feedback.
You
know
d
yazlin.
I
think
that's
what
this
is
about.
So
let's
continue
to
do
that
and
I
think
we
all
have
to
remember
that
this
program
is
still
relatively
new.
Yeah
there's
not
a
blueprint
for
it.
You
know
we
copied
obviously
charlotte
to
some
extent
but
we're
in
unchartered
territory.
So
let's
continue
to
make
it
better,
bring
recommendations
and
no
hard
feelings
at
all.
It's
the
ultimate
goal.
I
A
J
A
J
F
H
J
G
G
The
loan
amount
that
we
have
done
is
449
549
500,
which
means
based
upon
the
numbers
that
jesse
has
sent
out.
We
have
a
max
guarantee
amount
of
450
000.
So
right
now
we
have
116
000
left
on
the
guarantee,
so
we're
running
out
of
money.
I
that
that
is
a
conversation
that
I
think
we
need
to
have,
but
it's
probably
a
whole
separate
meeting
on.
G
G
That
one
has
not
yet
closed.
It's
still
pending
the
reason.
Why
is
because
they
decided
to
just
wait
because
of
covid,
so
it's
been
approved.
However,
it's
pending,
so
those
funds
have
been
accounted
for,
but
not
yet
used
okay
and
then
there's
another
one.
That's
going!
That
includes
a
refi
and
I
presented
it.
I
believe
it
was
in
february
or
no
no,
I
can't
remember-
or
I'm
sorry
I
think
it
was
a
december
november
that
one
has
not
yet
closed
either.
G
So
we
are
still
it's
still
pending
due
to
some
problems
that
we
had,
but
nothing
too
concerning
so
we're
working
on
that
one.
So
there's
two
of
them
that
have
not
yet
been
closed,
one
is
for
50
000
and
then
the
other
one
is
for
70.,
so
those
are
still
pending.
However,
they
have
been
approved
and
are
accounted
for
in
the
total.
J
F
G
I
Great
and
I
I
have
a
siren
in
the
background,
so
I'll
delay
just
a
second.
So
thank
you
for
that
yazlin
and
jeff
a
question
I
have,
and
I
think
we
should
talk
about.
You
know
amongst
the
lenders,
but
amongst
this
group
is
you
know
how
we
view
the
loan
guarantee
and
right
now
you
know
that
that
85
threshold
is
a
assuming
a
lot
of
risk.
I
You
know
it's
in
my
opinion,
and
so
the
question
would
be
for
me
is:
is
there
a
way
for
us
with
some
of
these
loans
loan
guarantees
that
are
less
risky
quote
unquote?
Can
we
view
that
loan
guarantee
percentage
differently,
or
you
know,
as
a
loan
matures
and
goes
to
the
cycle,
is?
Is
it
fair
to
view
that
loan
as
less
risky
over
time?
That
way
we
can
free
up
more
of
these
guarantee
dollars
for
more
people
in
the
community,
rather
than
sort
of
being
viewing
it?
I
J
Thank
you
so
much
tim
and
tim.
I
don't.
I
want
to
make
sure
that
I'm
capturing
your
questions
accurately
so
you're
asking.
How
do
we
view
the
loan
guarantee?
Is
there
potential
to
lower
the
guarantee
percentage
which
would
kind
of
hedge
against
the
risk
the
city
and
county,
take
on
for
the
guarantees,
and
should
we
be
considering
as
well
almost
like
a
de-risking
metric
over
time
that,
as
long
as
being
repaid,
we
consider
that
less
risky?
J
I
Yeah,
I
think
you
summed
it
up
well,
and
you
know
I'll
also
say
that
I
am
not
an
underwriter
of
the
cdfi,
so
me
throwing
these
ideas
out
is
can
be
dangerous,
but
I
I
just
think
we
should
think
about
it
and
see
what
we
can
do.
That's
creative
and
innovative
that
matches
kind
of
our
community
because
ultimately
I've
said
it
a
couple
times,
but
you
know
this
is
about
helping
as
many
people
as
possible.
So
let's
figure
out
a
way
to
do
it.
C
Thanks
everyone,
I'm
looking
at
the
document
that
was
sent
out
called
mountain
community
capital
fund
loans,
which
has
a
list,
and
I
it
looks
like
we
we
need
to
do
some
updates.
I
had
a
hard
time
interpreting
which
loans
we
were
working
on,
but
I
think
that
the
loans
we
were
working
on
are
not
on
not
reflected
on
the
sheet.
C
C
G
J
B
B
Is
there
any
type
of
a
cash
flow
analysis
or
a
a
financial
picture
of
the
the
in
and
out
sources
and
uses
a
fund
statement?
Maybe
I
don't
know
if
that's
the
correct
term,
I
want
to
use,
but
to
just
see
how
these
loans
are
flowing
in
terms
of
cash
being
returned
to
the
loan
pool,
or
is
it
that
they
don't
come
back
anyway?
That
mountain
biz
is
because
you're
the
lender,
the
the
pool
the
guarantee
is,
is
no
longer
there,
but
I
guess
my
question
is.
B
I
guess
I
thought
too
on
another
note
that
the
large
loan
was.
The
balance
was
what
you
said.
It
was
the
hundred
and
some
thousand,
but
really
it's
like
the
reserve
is
for
the
company
that
postponed
is
that
right?
That's
pretty
much
the
case
that
the
funds
have
been
postponed
pending
this
company's
desire
to
have
the
money.
Has
it
been
reserved?
Is
there
a
policy
have.
B
It's
been
okay,
okay,
so
do
we
have
a
policy
in
writing
that
reserves
these
funds,
or
is
this
something
just
based
on
just
a
practice?
That's
coming
to
purview
I
mean
is
there?
Is
that?
How
is
that
done?
I
guess
I'm
just
looking
at
the
way.
Things
are
traditionally
done
policy
versus
preferences,
because
those
funds
may
be
able
to
go
out
into
community
we're
always
looking
for
money,
and
so
I
guess
is
there:
it
wasn't
because
of
the
covet
epidemic
of
what
justified
it
and
who
justified.
G
Exactly
there's
nothing
in
writing
that
says
that
we
can
or
should,
or
shouldn't
reserve
the
funding.
However,
I
do
want
to
point
out
that
we
have
not
turned
anyone
away
because
we
we've
had
held
on
to
this
money.
Of
course,
if
another
business
were
to
come,
that
needs
the
funds
that
are
being
on
hold
right
now
or
held,
we
would
disperse
those
and
we
would
use
that
portion
to
guarantee
the
loan.
So
at
this
point
we
have
not
held
anyone
back,
because
we
have
this.
G
We
have
the
70
000
on
hold
for
this
specific
client.
Now
they
are
working
through
some
things.
They
know
about
the
program
they're
involved
in
the
community,
so
because
of
that,
we
felt
that
it
was
important
to
reserve
those
funds
for
now.
Until
now
now,
like
I
said,
if,
obviously,
if
another
business
comes
and
they're
a
good
fit,
and
we
can,
we
can
put
those
dollars
to
better
use.
Definitely
we
will
be
doing
that,
so
we
have
not
turned
anyone
away
because
those
funds
have
been
on
hold.
B
Okay,
so
my
one
final-
and
I'm
done
because
I
got
to
leave
too-
is
that
reflected
in
the
balance
that
you
gave
when
you
gave
the
report
that
there
being
a
hundred
and
fifteen
thousand,
so
do
we
deduct
the
seventy
thousand,
because
it's
r
okay.
So
how
is
that?
What
what?
What
is
the
balance
with
this
reserve
is
it?
Is
it
properly
185
000
or
is
it
115
000,
when
we
give
a
report
to
council
of
it's
180.?
A
A
This
loan
is
over
a
year
and
it
sounds
like
funds
are
held,
and
I
understand
that
no
other
loan
has
come
into
play
and
right
now,
you're
the
only
cdfi
who's
done
loans,
but
that
could
potentially
be
a
problem
if
there
were
other
cdfis
doing
loans
and
that
those
funds
were
held.
So
I
would
like
to
maybe
not
today,
but
us
just
be
thinking
about
how
long
we
want
to
hold
funds
or
hold
a
loan
reserve
for
lack
of
a
better
word
before
we.
A
G
F
Yeah
I
just
remember:
last
year
we
had
talked
about
another
way
to
kind
of
increase.
The
pool
of
funds
is
to
be
reaching
out
to
other
community
partners
that
we
wanted
to
be
part
of
this
fund,
the
dogwood
health
trust
and
community
foundation,
and
things
like
that-
and
I
just
wanted
to
keep
that
top
of
mind
in
case
we
do
want
to
grow
the
fund.
That's
all.
J
You
know
I
I'm
very
curious
about
how
what
the
shape
or
the
stats
of
that
business
prior
to
the
coveted
pandemic
and
how
covid
has
touched
every
single
business
in
the
world.
I
mean
everyone's
been
affected,
so
I
want
to
know:
is
it
like
how
many
businesses
are
able
to
say
we're
not
going
to
enter
the
market
yet
wait
a
year
when
code's
over
we're
going
to
come
back
in?
I
imagine
there's
going
to
be
some
alterations
to
the
business
and
business
plan
or
the
partners.
Perhaps.
J
And
as
far
as
how
long
we
can
hold
loans,
I
I
I
feel
like
that's,
why
we
moved
towards
this
shared
document
where
all
the
lenders
had
access
to
know
who
was
making
moves
on
what
amounts
of
funding
so
that
there
was
some
transparency,
at
least
among
those
folks
holding
that
confidential
information,
so
they
weren't.
You
know
for
lack
of
a
better
word
squatting
on
on
funds.
G
J
J
E
J
Okay,
thank
you
tim
now
now
this
conversation
started
with
tim's
questions
about
kind
of
the
guarantee
amount
and
then
robin's
with
bringing
on
other
partners.
I
would
be
so
forward
to
say
I
don't
think
it's
one
of
the
other,
but
I
think
everything
should
be
on
the
table
and
we
should
really
consider
every
every
possible
way
to
deploy
as
much
capital
in
the
community
that
we
can.
You
know
turn
over
every
rock,
so
we
can
pull
up
now.
J
J
J
G
J
B
Thank
you.
Thank
you,
jeff.
I
was
just
saying
that
most
things
are
based
on
actuarial
tables
and
experience,
in
other
words,
risk
assessment,
so
we'd
have
to
have
more
information
on
the
performance
of
these
loans
in
order
to
justify
lowering
that
guarantee
if
we
set
it
at
85
percent-
and
I
think
the
lenders
would
too,
but
we
also
need
to
concomitantly
to
have
access
to
that
information.
So
I
think
that's
one
of
the
chores
that
we're
gonna
have
to
if
there
is
any
track
record
of
the
payouts
from
these
loans
that
have
been
made.
B
Some
of
them
have
been
you
know
and,
of
course,
reasonably
delayed
to
just
give
them
a
chance
to
get
going,
but
certainly
we
need
to
be
able
to
know
how
they
are
paying
and
and
so
forth.
That's
the
only
thing
that
reduces
risk
anyway
and
credit
ratings,
too,
is
that
payment
stream
and
the
risk
that
success,
so
is
that
something
that
we
can
put
on
the
next
agenda
or
whatever
thanks.
C
I,
like
your
suggestion,
dee
and
I-
and
it
brings
me
back
it's
kind
of
in
my
structured
thinking
to
that
excel
sheet.
That
has
a
list
of
all
the
loans.
Do
we
have
the
right
information
on
there
to
give
us
a
picture
of
those
loans?
This
was
kind
of
at
the
point
of
approval
and
it
doesn't
get
touched
again.
Maybe
we
can
add
some
information
about
like
when
loan
repayments
have
begun.
I
don't
have
a
sense
of
looking
at
these
ones
that
maybe
the
the
first
three
that
were
approved
in
2019.
C
J
G
J
J
All
right,
so,
if
not,
we
recap
our
action
items
we're
looking
at
getting
point
of
con
points
of
contact
at
the
other
cdfi's
ensuring
we
can
get
more
presentation
at
our
meetings.
Cdfis
would
consider
appropriate
guarantee
percentages
at
the
next
meeting.
We'll
also
be
workshopping
a
lead
list
of
community
partners
to
round
out
the
fund.
J
Okay,
my
neighbor
is
sawing
something
on
the
roof.
If
you
hear
some
background
noise,
that's
what's
going
on
so
again,
apologies
for
being
late!
Do
we
are
we
going
back
now
we
move
around.
The
agenda
is
next
success
story:
okay
and
sam's
got
ten
o'clock
also
all
right
sam!
Thank
you,
bye,
tony,
thank
you
so
much
and
who
is
on
are
presenting
our
success
story.