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we go to Belinda first who joins us in Cincinnati Ohio Belinda youre on the Ken Coleman show great hi thank you for taking my call you bet whats up I wanted to ask a question about career paths and I have primarily been in retail banking for years I have a college degree but I really feel like I need to do something else especially in light of Dave Ramsey and the principles of living debt-free okay well what do you think what are you thinking about I think you got some ideas I want you to share them with me well I you know have done this for so long and Im good with people I really want to do something to make a difference and Im you know currently in the retail banking environment we sell a lot of loans and a lot of you know credit products which Im struggling with even wanting to sell I understand that but again two things thats not what you want to do I want you to tell me some ideas that you have you know what you do well youve got a very extensive work background and you k