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Hi, Im Monty Anderson. Here today, Im talking about small development and how cities can support that small development, especially financing. You know, talking all over the country, 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. So whenever we go coach and teach people, they think theyre going to buy 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. 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 brokered. So lets start to talk about it today. Were going to talk about what Im calling the tri-party agreement. The tri-party agreement works like this: In a normal transaction, youve always got this entrepreneur or small