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hi im monty anderson uh here today talking about small development and how cities can support that small development especially since financing you know talking all over the country um the biggest problem we have with small developers and small entrepreneurs who are doing odd things in downtown districts or in suburban areas that need to be revitalized is financing and so whenever we go coach and teach people think theyre going to theyre going to by coming to our classes the citys got to give them money and so weve come up with a way that we think is much better than the city having to give away money and it would be done still brokered through either economic development or an assistant city manager or some source at the city it could still be broken so lets lets lets start to talk about it today were going to talk about what im calling the tri-party agreement and the tri-party agreement works like this okay in a normal transaction youve always got this this entrepreneur ok