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well good morning everyone thomas montgomery here its a beautiful thursday morning april 7th 2022. we get together with our distribution partners most weekday mornings at this time to talk strategies techniques tips share success stories but mostly were here to support each of you were gonna go back and revisit the collateral support program and really dig into how this came about and make sure that everyones clear of the solution that it provides because by providing the solution to the target audience youre able to monetize that and make a lot of money so were going to break all that down so before i was a college professor i taught business and entrepreneurship at a small community college nothing glamorous no no mit or harvard but before i was a full-time college professor i worked for the sba small business administration i was paid by directly by an sba grant through the small business development center and if youre not familiar with the sb dcs they are available typical