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all right well good morning everyone Thomas Montgomery here its a beautiful Wednesday morning December 21st 2022. hope youre off to a a great week as we head into the the holiday season here were going to talk today about the refundable deposit what it is why it exists and a little bit of a different process so lets lets begin by discussing it with our what we call our access to Capital program it has several positive attributes one of which is that theres no upfront cost no upfront cost now is there a refundable deposit now if youre a white label partner you can make it refundable or non-refundable I know and if youre a white label partner you could make it more less than 2500 I know but Im going to speak off of our normal model so from the time that a client enrolls do they know that there is a two thousand five hundred dollar refundable deposit absolutely do we ask them to pay for it up front when they enroll no we dont could they sure if they want to and some do but that