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From YouTube: Mountain Community Capital Fund – May 5, 2023
Description
Regular meeting of the Mountain Community Capital Fund.
Access the agenda and other meeting materials at the City of Asheville website: https://www.ashevillenc.gov/department/city-clerk/boards-and-commissions/mountain-community-capital-fund-operating-committee/
Participate before and during the meeting on our public engagement hub: https://publicinput.com/U4153
B
All
right
good
morning,
everybody
we
will
call
the
order
of
the
Mountain
Community
Capital
fund
meeting
for
May
I'm
Carl
algor
I'm
the
acting
chair
today.
This
is
my
first
time
doing
this,
so
be
gentle
with
me.
Nikki
Rachel
is
out
today.
Would
you
be
willing
to
collect
the
minutes.
B
D
Hello
Frank
McGowan
interim
assistant
director
in
community
Economic,
Development
and
City
voting
member.
E
He
put
me
on
the
hot
seat:
I,
don't
know
how
to
introduce
myself
but
John
Appleby
I
am
a
voting
member
I'm,
not
quite
sure
how
to
describe
my
role.
E
B
B
Welcome
Tara.
A
F
Good
morning,
I'm
a
small
business
lender
with
Mountain
businessworks
non
non-voting
member.
B
B
D
Righty,
yes,
it
does
sorry
thank.
B
You
for
old
business,
we
have,
as
everyone
had
a
chance
to
review
the
minutes
from
the
March
meeting.
Yes,
and
if
so,
do
we
have
a
motion
to
approve,
or
is
there
discussion.
B
I'm
assume,
that's
a
yes
thank
you
and
yes,
first
up
on
new
business
is
a
review
of
the
loan
report
for
outstanding
loans.
Can
you
share
that
with
us
sure
thing.
F
All
right:
well,
this
is
our
quarterly
report
for
the
first
quarter,
so
through
excuse
me
through
March
31st,
we
did
have
quite
a
little
bit
of
this
slow
start,
not
only
in
mccf
but
just
our
overall
portfolio
at
Mountain,
Miss
Works.
So
we've
you
know
over
the
last
quarter.
Really,
we've
only
done
one
loan
under
the
mccl
program.
F
That
being
said,
there
are
a
few
others
that
are
coming
down
the
pipeline.
That
should
be
closing
here
here
soon,
among
those
will
be
two
that
I'm
presenting
today
so
39
loans
over
the
life
of
the
fund,
1.3
about
1.4
over
the
life
of
the
fund
that
we've
dollars
lent.
F
And
right
now
we
have
outstanding
loan
counts
of
36,
so
we've
had
about
three
loans
that
have
paid
off
and
somebody
have
any
questions.
No
okay,
so
we,
the
percentage
of
percentage
of
guarantee
funds
utilized,
is
21.
F
F
F
So
34
loans
have
been
to
black
and
brown
businesses,
four
to
Hispanic,
Latino,
owned
businesses
and
13
of
those
have
been
to
women-owned
businesses,
and
some
of
those
demographics
do
overlap.
So
I
just
wanted
to
point
that
out
so
not
a
whole
lot
of
activity.
The
first
quarter
just
had
a
slow
start
just
really
overall
in
our
overall
portfolio,
but
really
looking
forward
to
bringing
some
more
approvals.
Your
way
here,
this
quarter.
F
So
with
that
anybody
have
any
questions
comments.
What's.
F
The
current
Loan
Fund
balance
is
1.4.
F
So
far,
I
believe
there
are
all
paid
on
schedule.
There
were
some
that
fell
behind,
however,
we're
working
with
them
to
get
them
caught
up.
F
The
reason
why
they're
not
here
on
the
in
this
specific
report
is
because
they're
not
yet
delinquent
and
or
charged
off
so
we've
we've
got
our
team
working
with
anyone
that
does
maybe
fall
behind
a
month
or
two,
but
nothing
too
they're.
Not
at
this
point,
not
yet
delinquent.
B
And
John
we
are
working
with
in
committee
to
identify
early
triggers,
should
someone
who
has
a
loan
through
mountain
bizworks
or
any
other
participating
partner
that
if
they
get
behind
miss
a
payment
or
enter
into
a
period
of
delinquency
that
we
would
be
notified.
D
And
yasleen
this
is
Frank
I
I'm.
Just
curious
is
the
slow
start
this
year,
just
lack
of
awareness
of
the
fund
or
I'm.
Have
we
just
not
had
many
many
vendor-seeking
seeking
loans?
Do
we
do
we
know
anything
behind
those
numbers.
F
You
know
that's
a
great
question:
it's
really
something
that
we've
ourselves
have
been
trying
to
really
take.
A
look
at
I.
Think
really
is
just
the
the
change
in
the
financial
just
overall
picture
of
where
we
are
at
this
point,
I
mean
just
you
know:
businesses
are
either.
F
You
know
because
of
the
last
few
years,
they're,
either
really
struggling
to
show
positive
cash
flow,
or
we're
just
got
a
little
bit
more
work
to
get
to
to
do
to
do
before
we
can
get
them
loan
ready.
So
I,
don't
know
it's
not
an
awareness
of
the
fund
at
all
weave
ourselves.
You
know
within
our
general
portfolio,
not
just
specifically
MCC
I've
just
had
a
slow
start
to
the
year,
so
even
our
traditional
lending
within
Mountain
baseworks
was
just
kind
of
it.
F
D
Okay
is
there
well,
you
mentioned
that
you
didn't
think
it
was
an
awareness
of
the
fun,
but
is
there
any
support
that
well
I
reckon
recognizing
there's
nobody
specifically
from
the
county
here
today,
but
is
there
anything
the
city
or
the
county
could
do
specifically
to
support
or
promote
Beyond?
What's
being
done
now,.
F
Well,
like
I
said
this
was
just
the
first
quarter
course,
so
this
second
quarter
that
we're
I
mean
we've
already
we're
already
seeing
a
lot
more
activity,
so
we
we've
got
I
believe
three
or
four
that
will
be
closing
here
soon
that
will
be
under
the
fund
now
to
be
just
some
of
those
will
not
have
to
be
coming
to
you
guys
for
approval
because
they
are
under
the
threshold,
but
they
we
are
preparing
to
get
some
of
those
closed
here
shortly.
D
A
B
A
Hi
I'm,
Sandra,
Kilgore
and
I
just
wanted
to
check
with
something
that
now
when
you
said
that
you
have
one
success
story,
what
is
the
time
frame
for
that?
One
success
story.
F
I
would
have
to
go
back
and
take
a
look
at
that.
It
has
been
about
a
year
and
a
half
or
so
and
I
believe
we
shared
that
with
the
city
and
the
county
as
well.
I
could
go
back
to
just
look
over
and
see
if
I
could
find
that
and
then
share
with
the
committee,
but
I
am
not
100
sure
of
when
that
was
paid
off
yet.
A
F
F
Yeah,
because
they
were
able
to,
they
were
able
to
pay
off
the
loan
by
then
becoming
bankable,
which
means
that
they
were
able
to
seek
funding
elsewhere
and
then
paid
us
off
great
okay.
B
D
Excuse
me
Carl,
yes,
I
was
just
going
to
mention
to
those
on
the
call,
because
my
my
vision
is,
let's
just
say,
a
little
weak,
the
these
materials.
The
these
loan
documents
are
posted
with
the
materials
on
the
mccf
operating
home
page.
So
if
you
have
a
bigger
Monitor
and
you
can
blow
them
up
even
more,
if
you
need
to
just
learn
to
make
that
mention.
F
The
loan
amount
requested
is
81
to
61..
It
is
an
existing
business.
The
this
is
a
female
owned
business
and
the
purpose
of
the
loan
is
business
will
be
expanding
into
a
larger
retailer
which
they've
been
anticipating
for
about
12
months.
Now
it's
been
an
ongoing
project
which
will
will
definitely
increase
their
sales
and
the
revenue
so
they're
going
to
be
able
to
be
in
43
different
locations
and
they've
got
inventory
ready
to
ship,
which
has
impacted
their
cash
flow.
F
Just
a
little
bit
and
you'll
see
we'll
get
into
that
a
little
bit
more
down
the
form,
but
would
they've
had
to
essentially
prepare
the
inventory
and
have
that
ready
in
order
for
it
to
be
shipped
and
we'll
be
doing
our
security
entrances
at
UCC
and
all
business
assets,
including
any
new
and
used
equipment.
So
we've
at
a
which
we
don't
the
discounted
value
of
all
the
equipment.
New
and
old
is
about
29
000.,
which
you
can
see
the
Gap
in
collateral
there.
F
It's
a
60-month
p.
I
payment
so
far
the
business
will
be
able
to
cash
for
that
payment.
The
credit
score
is
618,
not
you
know
perfect,
but
I've
been
current
on
all
trade
lines.
There's
no
bankruptcy,
that's
been
filed,
they
have,
they
have
been
an
existing
Mountain
business,
Works
client
now
I
do
have
to
say
they.
This
loan
does
include
a
refinance,
however.
The
refi
portion
was
already
within
the
mountain
or
the
mccf
program.
F
So
this
is
not
an
outside
refinance
and
the
reason
why
that
was
done
is
just
to
battle
cash
flow
and
then
just
give
them
better
terms.
Let's
see
so
number
of
jobs,
so
five
full-time
jobs
will
be
retained.
Three
part-time
will
be
retained
as
well.
F
They've
receive
10
plus
hours
of
coaching
and
financial
management
and
operations,
so
the
current
mccf
loan
balance
is
37
to
236.
The
new
money
will
be
a
total
of
44
000.
F
and,
as
you
can
see
here,
so
it
put
together
a
quick
chart
of
just
their
financials
over
the
last
three
years.
So
in
2020
it's
really
when
they
started
so
their
gross
revenue.
You
can
see
quite
a
big
difference
from
2020
to
2021.
F
Of
course,
their
expenses
also
went
up,
went
up
and
within
and
in
2022,
although
their
revenue
was
up,
you
can
see
that
they
weren't
not
profitable
and
that's
due
to
the
inventory
that
they
had
to
they
had
to
come
up
with
and
and
get
ready
in
order
for
them
to
be
prepared
to
launch
this
year
into
those
new
locations.
F
So
that
being
said,
they
are
now
in
a
much
better
cash
position
and
will
anticipating
a
really
big
jump
in
Revenue,
with
this
new
new
opportunity
that
they
have
so
with
that.
Is
there
any
questions.
B
This
is
Carl
a
point
of
order.
This
is
a
question.
I
believe
that
I
am
involved
with
this
company
as
a
mountain
bizworks
coach
based
on
the
numbers.
So
I
don't
know
if
it
is
appropriate
for
me
to
recuse
myself
from
a
boat
here,
can't
guarantee
it,
but
it
looks
extremely
familiar
Nikki
or
Frank.
You
got
an
opinion
on
that.
D
To
my
knowledge,
or
at
least
in
my
experience,
this
is
the
first
time
this
has
come
up,
but
if
you
are
fairly
confident
you're
working
with
this
firm,
it's
probably
prudent
to
recuse
yourself,
Nikki.
C
I'm
thinking
better
safe
than
sorry,
but
we
still
have
a
quorum,
is
my
concern.
Yeah
and
Sandra.
Is
she.
She
probably
knows
this
like
the
back
of
her
hand,
so
because,
yes,
we
are
down
some
members
today
in
terms
of
our
representation,
I.
Think
per
our
last
meeting.
There
were
seven
members.
We
have
four
present
today.
C
A
C
So
that
being
the
case,
I
mean
it
looks
like
we
would
need
to
then
defer
this
particular
request,
till
June
or
and
so
I'm
curious
Jasleen.
If
that's
problematic
I
know
it
sounds
like
so.
F
F
So
I
do
want
to
say
this
loan.
You
know
we
had
a
conversation
with
our
executive
director
in
our
credit
team,
so
this
is
a
request
that
has
already
been
closed,
so
we
are
seeking
for
a
retroactive
approval
on
the
mccf
guarantee.
The
reason
why
I
believe
the
last
meeting
was
canceled
not
sure
why
it
was,
but
we
were
planning
to
bring
it
to
the
last
month's
meeting
and
it
was
by
the
time
we
we
really
realized
that
it
was
canceled.
F
B
Okay,
well,
thank
you,
I
think
it
is
then
appropriate
for
us
to
delay
on
this
one
until
next
month,
if
you'd
like
to
bring
it
back
up
next
month,
we
should
have
adequate
members
to
vote,
even
without
my
participation
and
I
apologize
for
that,
but
sounds
like
the
right
thing
to
do
any
other
discussion
on
this
one.
If
not
we'll
move
to
the
next.
F
Okay,
so
this
this
type
of
business,
a
service
based
business,
it
it
is
an
African-American
black,
male
single
owner.
F
It's
the
business
started
back
in
2012,
so
tenured
business
here,
I'll
share
a
little
bit
about
the
net
profit
and
financial
information
below
it
is
a
Buncombe
County
resident.
The
loan
amount
requested
is
84
000..
F
The
purpose
of
the
loan
is
the
business
will
be
taking
on
larger
contracts,
which
requires
them
to
acquire
larger
equipment
in
order
to
meet
those
contracts
and
take
those
contracts
on
the
request
also
includes
working
capital
to
cover
some
operating
expenses
as
well.
The
request
does
include
a
refinance
of
19
000..
Now
that's
19
000
of
the
84.,
the
rest
will
be
new
money.
F
F
Oh
the
discount
is
applied
with
following
SBA
requirements,
so
we
just
take
all
of
their
discounts
around
across
the
board.
Their
payments
84
months
with
three
months
of
interest
only
and
about
twelve
hundred
dollars
a
month.
The
credit
score
is
50.
5.55
certainly
needs
work.
F
F
F
They
are
previous
lending.
Client
they've
had
excellent
payment
history
with
us.
We've
not
had
any
issues
with
repayment.
This
project
will
be
creating
three
full-time
jobs
and
four
full-time
jobs
will
be
retained.
F
F
So
this
client
did
come
to
us
or
the
previous
one
that
we
had
was
before
the
mccl
program
came
about.
So
it's
not
he
just
you
know
he
was
with
us,
had
been
working
with
us
for
a
few
years.
So
now
we
have
the
chance
to
go
back,
do
more
money
for
them
and
allow
him
to
expand
into
just
offering
those
larger
contracts.
F
So
quick
snapshot
of
the
revenue
over
the
last
three
years,
so
gross
revenue
in
2020
was
115..
You
can
see
the
pretty
big
jump
from
2020
to
2021.
F
F
So
in
2020
the
net
income.
Overall,
you
know
you
can
see
a
pretty
big
or
a
a
good
amount
of
or
a
positive
net
income
over
the
the
last
three
years
in
2021.
You
can
see
that
there
was
a
pretty
big
shift
there.
F
F
So
once
we
did
the
add
box
in
over
the
last
few
years,
over
the
2020-21
to
three
years
and
their
ebitda,
you
can
see
that
they're
in
a
positive
cash
flow,
except
with
2022,
so
they
definitely
had
some
hardship
there
over
the
last
two
years,
however,
they're
in
much
better
position
now
and
with
this
new
new
money,
new
equipment
they'll
be
able
to
take
on
larger
jobs
will
which
will
result
in
a
higher
Revenue
number.
F
We
really
went
on
projections
here
because
this
loan
I
do
want
to
say
this
loan
also
was
one
of
the
ones
that
we
went
ahead
and
closed
last
month.
So
we
do
have
some
financials,
but
I
believe
most
of
the
the
numbers
that
we
were
going
off
of
for
projection
projected
numbers.
Since
it's
been
it
was
only
about
two
months
or
so
that
we
had
of
actual
financials,
and
it
was
during
the
slow,
slow
time
forum.
B
D
Putting
too
final
point
on
it,
I'm
just
curious
in
the
service
industry.
Is
this
construction
related
or
can
you
share
that.
A
D
Fine
I
I
was
just
curious
just
what
what
industry.
C
I'll
just
voice
that
I
would
certainly
be
in
in
support
of
this
I
know
and
I'm
curious.
If
this
is
where
Frank
had
had
been
leading
to,
but
I
know
with
the
city
of
Asheville,
we
often
look
to
Foster
and
build
businesses
that
would
be
able
to
qualify
for
City
contracts,
and
so
I
I
would
support
this
on
the
premise
that
you
know.
Hopefully,
we
could
grow
this
company
to
the
extent
that
they
would
be
able
to
participate
in
government
contracts,
both
at
the
city
and
the
county
region-wide.
B
B
Okay,
thank
you.
Next
up
on
the
new
business
in
the
agenda
is
sort
of
a
discussion
about.
Do
we
add
new
lenders
here
you
know
we
had
a
very
slow,
first
quarter
and,
frankly,
a
very
slow
fourth
quarter.
We've
grown
our
funds
significantly
and
almost
I
guess
exclusively.
Our
loan
guarantees
have
come
through
Mountain
Biz,
Works
loans
and
we've
been
sort
of
talking
about
the
opportunity
or
the
possibility
of
adding
additional
lending
Partners
that
are
socially
impactful
companies
that
have
a
presence
here
in
Asheville,
one
of
which
has
come
before.
B
The
group
is
partner,
Community
Capital.
They
have
made
many
loans
in
this
community
over
the
years
and
many
non-traditional
loans.
They
have
expressed
some
interest
in
speaking
with
their
chair,
Timothy
love,
I
know
that
he
has
also
indicated
a
an
interest
in
exploring
this,
and
so
I
wanted
to
bring
it
before
the
group
to
see
if
you
know,
take
everyone's
temperature.
This
is
not
a
voting
action
today,
but
love
to
get
any
feedback
or
comment
or
concern
about
the
possibility
of
of
adding
to
our
stable
of
lenders.
D
Frank
I
would
just
say:
I,
don't
see
any
harm
in
looking
to
expand
the
pool
of
lenders.
I
think
you
know
broadening
or
making
10
a
little
bit
bigger,
getting
more
Capital
flowing
through
additional
lenders
as
a
net
positive,
so
I'm
supportive
of
it.
B
B
If
you
are
not
part
of
mountain
Biz
Works,
it
certainly
seems
like
our
opportunity
to
you
know:
Place
capital
in
the
community
is
there
and
I
would
love
to
make
sure
that
we,
you
know
place
our
endowments
so
that
you
know
we're
not
in
danger
of
you
know
having
that
shrink
or
be
eliminated
for
lack
of
need.
E
I
guess
my
question
would
be
how
many
lenders
are
out
there
that
would
qualify,
and
then
how
do
you,
you
know
objectively
sift
through
those
lenders
to
arrive
at
a
a
smaller
pool
that
you
would
go
to
so
otherwise
it's
just
who
do
you
know
in
the
community
kind
of
activity,
as
opposed
to
some
objective
criteria,
to
go,
find
them
and
Source
them.
B
Well,
I
believe
our
initial
formulation
documents
did
discuss
that
and
I
think
that
we
would
be
obligated
to
bring
that
to
the
city
in
the
county.
Nikki
do
you
know
if
that's
true
I
believe
it's
true.
C
Right
I
was
thinking
about
the
different
agreements
that
we
have
in
place
and
understanding
that
we
would
you
know
if
we,
if
we
move
in
this
direction,
we
would
likely
need
to
revisit
those,
but
that
is
that
doesn't
process
anyhow.
So
it's
a
good
time
to
have
any
additional
comment
or
considerations
to
be
included
in
that
process.
C
C
I
just
did
quick
math
on
the
outstanding
loan
balance
and
thinking
about
how
many
loans
you
know,
given
our
the
the
number
of
loans
that
we
seem
to
to
Cipher
through
on
an
annual
basis,
so
I
just
did
quick
math
of
the
1.4
million
and
the
outstanding
loan
balance
and
thinking
about
you
know,
that's
fifty
thousand
dollars
per
loan.
That's
about
28
loans,
so
yeah
certainly
understanding.
Well.
How
can
we?
C
How
can
we
ensure
good
uptake
of
of
the
the
tool
that
we
have
here
so
I
think
it
would
be
interesting
to
see
if
there
were
other
suitable
lenders
out
there.
I
do
say,
though,
that
we're
really
I
think
with
mountain
bizworks.
It's
a
great
entity
which
carries
a
lot
of
weight
for
me
just
knowing
that
they
do
such
a
good
job
with
both
the
coaching
and
the
lending.
C
B
Anyone
else
color
all
right.
Well,
we
will
table
this
for
further
discussion
in
future
meetings
we
were
asked
to
bring
it
up.
B
I
would
also
suggest
that
you
know
it's
hard
for
me
personally
to
understand
the
level
of
need
in
that
our
other
participating
lenders
have
never
brought
forward
a
pro
alone
and
so
being
exclusively
an
agent
of
mountain
Biz
works.
I,
wonder
if
there's
also
something
structural
with
this
group
that
we
should
consider
looking
at
or
addressing
I,
don't
really
know
what
that
means,
but
it
does
strike
me
that
we've
had
Partners
long-term
partners
that
have
never
seen
a
qualifying
loan
brought
forward
to
us.
So
all
right!
Well,
thank
you,
for
that.
C
This
is
a
little
tangent
but
and
Frank.
Maybe
we
can
just
share
an
update,
so
I
wanted
to
remind
our
team
that
the
community
Economic
Development
Department,
is
currently
working
right
now,
through
Frank's
leadership,
on
a
disparity
study,
and
so
perhaps
in
future
meetings.
We
can
share
some
of
those
results.
It's
not
intended
to
really
come
before
council
with
a
final
report.
C
Until
later
this
fall,
but
again
it
might
be
a
useful
data
set
as
we're
trying
to
better
understand
our
Marketplace
and
how
like
you're,
saying
Carl
some
of
the
structural
issues
that
could
be
in
place
that
we
want
to
address.
I
know
this
tool
was,
was
crucial
in
helping
us
understand
how
to
remove
barriers
from
bypoc
and
women-owned
businesses
to
be
able
to
succeed
so
I'm
very
much
looking
at
this
tool
of
how
it
supports
the
city's
work
through
our
purchasing
efforts,
as
I
kind
of
mentioned
before
Frank.
D
D
About
the
three
seconds
where
you
were
saying,
disparity
study
so
I'm
just
going
to
take
a
moment
to
describe
what
what
this
activity
is.
So
the
city
of
Asheville
has
a
race
and
gender
conscious
Contracting
policy,
Contracting
and
purchasing
policy
and
the
underlying
underlying
basis
for
that
you
have
to
have
strong,
evidentiary
basis
of
a
demonstrated
disparity
between
or
for
minority
groups
in
your
community.
So
that
has
to
be
validated.
Excuse
me
with
what
is
called
a
disparity
study,
and
these
I
mean
this.
D
This
is
case
law
that
went
all
the
way
up
to
the
Supreme
Court
and
we
performed
a
disparity
study
back
in
2018.
D
You
have
to
perform
a
new
disparity
study,
at
least
every
five
years,
at
least
for
most.
You
must
do
it
every
five
years
and
demonstrate
a
disparity
in
Contracting
in
order
to
continue
operating
a
race
and
gender
race
and
or
gender
conscious
person,
Contracting
policy.
D
All
of
that
to
say
the
city
of
Asheville
is
currently
under
contract
and
working
with
a
vendor
to
conduct
that
disparity
study.
For
us,
the
city
doesn't
have
the
expertise
to
perform,
that
that
study,
ourselves
and
part
of
what
they're
doing
is
looking
at
availability
in
this
region
of
minority
and
women-owned
businesses
as
well.
So
Nikki
was
right.
The
spirit
of
my
question
earlier
about
what
type
of
service
business
is
this
just
we
are.
D
We
are
struggling
to
identify
vendors
that
women
and
minority
businesses
either
operating
as
subs
or
primes
in
the
market
space
and
in
particular,
in
when
I
say
the
market
space
in
the
Asheville,
Regional
area
or
Asheville.
Metro
area
and
part
of
that
challenge
is
what
the
city
buys
is
very
narrow
as
well
as
you
might
imagine.
We
buy
really
big
things
like
fire
trucks,
we
build
roads,
we
build
sidewalks,
we
do.
D
We
do
work
with
a
variety
of
Trades
and
there's
a
lot
of
construction
done.
So
the
disparity
study
results
will
help
us
better
understand
the
markets
Market
space
that
we're
operating
in
and
as
Nikki
mentioned
when
this
concludes
I,
think
it's
a
data
point
and
something
that
we
may
want
to
bring
back
to
this
group.
Just
as
a
point
of
information
later
on,
we
hadn't
really
discussed
that
in
detail,
but
Nikki
brought
it
up
so
I'm
going
to
assume
that
she
wants
to
do
that.
C
B
You
both
I
think
that's
great,
all
right
any
other
new
business.
B
D
I'm
sorry,
Carl
I
was
looking
at
Old
business
on
the
agenda
and
it
had
introduction
of
John
Appleby
and
I
I
know
he
gave
a
quick
intro,
but
I
didn't
know
if
we
wanted
to
let
him
provide
any
other
information
about
his
background.
Sure,
laughs.
E
Bill,
it's
kind
of
embarrassing
I,
well
I
appreciate
the
opportunity
to
be
involved.
You
know,
I
I
won't
take
any
time
here.
You
know
you
can
talk
from
Max
and
I'm,
originally
from
from
England
moved
to
America
when
I
got
married
in
1997,
so
I've
been
here
a
good
chunk
of
time.
Almost
half
my
half
my
years
at
this
point
and
I
got
a
25-year
Financial
Services
background
and
then
moved
to
Asheville
a
couple
of
years
ago
to
pursue
my
passion
in
to
coach
soccer.