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Derek: Hi, everyone. Derek Johnson with tatango.com. Today, were talking with Joe Bowser from Innovista Law in the TCPA Defense Force here at Innovista Law. And today were gonna be talking about arbitration agreements, what they are, why theyre important and how they apply to text message marketing. So, first off, Joe, what is an arbitration agreement? Joe: Arbitration agreement is essentially an agreement between you and whomever youre interacting with. If you have a dispute, youre not gonna resolve it in court. Youre going to arbitrate and thats typically before a third party panel like the AAA or JAMS. These are organizational bodies that facilitate arbitrations. They may have panel arbitrators that you can choose from. But theyre essentially like judges without the rope. Derek: Okay. Joe: So, youve both just agreed. Look, if we have a fight, were not gonna go to court to resolve it. Often, arbitration agreements also haveand this is important in the TCPAwhat are called