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welcome everybody Im Mike Larson the editor-in-chief of money show and Im here with Howard Tolman if youre not already aware of what Howard does hes the former CEO of the 1871 Tech incubator in Chicago as well as general managing partner of G2 t3v hes also past chairman and CEO of Tribeca Flashpoint College in Kendall College and over the last 50 years Howard has successfully founded more than a dozen high-tech companies Howard thanks for joining me today Im happy to be here great lets start with the big picture if you dont mind I mean it it hasnt been a great year for a lot of technology companies and technology stocks in the market and the economy and I guess Id like to start by asking what you think is behind that and how investors can see the environment evolving as we head into 2023. sure well first of all I agree that in general its been a very challenging year and frankly I think you have to break the tech companies into two or three different parts uh the companies