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## Introduction [00:00] welcome everyone my name is coach David here with eagle loock and financial aid Secrets today is March 26 it is right at 5:00 and today we're going to be talking about scholarships okay it's kind of a scholarship 101 everything you need to know okay so for those that are just joining us right now again if you can put your students grade into the chat that would be awesome right so that we can make sure to kind of point out different parts to you guys along the way that make sense for your grade student okay now as we're going through today if you guys have any questions I am more than happy to discuss those with you right either at the end of our kind of presentation or during it if it is in line with what we're currently talking about but as far as the agenda today we're going to be talking about scholarships where you can get them we're also going to talk about how they can hurt you and what to watch out for okay so that's what we're going to go over today right as far as housekeeping things right um we will have this replay available to our kind of our coaching ## What Counts as a Scholarship vs. Financial Aid [01:00] families and on our private YouTube channel right for those that are coming from Facebook go ahead I'm going to post kind of a a uh I'm going to make a post on Facebook afterwards if you guys are interested in getting the Replay for this go ahead and uh comment on that post and then our team will get it over to you but for those I do see a couple new names here for those that are kind of new to this kind of system and our presentations right just a little bit about me uh I'm a former law you know uh college and law school admission reader right uh I was a former former La lawyer in my past life right I've been working with students for the past 16 years now and I've also been working with students on financial aid for the last 15 years right I've been able to save families a lot of money and I am hoping that I can save your family a lot of money as well okay now one of the things that a lot of fames come for is my kind of breaking news section right unfortunately for this week there's not much right the one thing I did want to make sure that families understand is that California has extended its financial aid deadline to April 2nd so if you're a family that hasn't turned in anything yet you have a week left or more like five days right so make sure to get on that as soon as possible as far as other financial aid news right there's new articles out but it's the old it's the same old news right everyone's worried about what's going to happen to the Department of Education I'm worried about it too right Federal loans pel grants all these things what's going to happen right unfortunately the the news is all still kind of up in the air right I presented kind of like two three four weeks ago about all the changes that are happening and that might happen right you know loans might get shifted to a different department Aid might go to a different department so on and so so forth Nothing is for sure yet everything is status quo as it is except for jobs obviously right I think half the workforce of the US Department of Education was let go right so that's a huge change but I don't know what's going to happen with everything yet again I am probably the person that is looking at this the most so I'll try to bring you new news as soon as it is out right or as soon as it's out and we're having a training okay but if you do have questions about anything and how that might affect your situation again reach out to me I am very reachable by email on Facebook Messenger if you're in our coaching program in your Discord Channel okay so with that let's go into the training for today okay my fair warning is always this right if you've ever heard your family makes a little too much money right your family's not eligible if you think that owning your home disqualifies you right or if that or if you have a rental property that disqualifies you right you're probably the family that I need to talk to okay there's too many opportunities out there ## The Myth of the Pure Merit Scholarship [03:45] for parents to get money and families to get money okay so I will have a link at the end so you can sign up for a financial aid consultation right the one good thing about our program is that hey we have a money back guarantee right if it doesn't work work out and we're not able to get you the financial aid that we promised hey you get your money back right and at least you know an expert in this field did your financial aid and was not able to get you anything okay so before we get into our training on scholarships just a quick word for our sponsors I do see that there are several 11th graders here right now for those 11th graders my question to you is yes paying for college is definitely important but the more important part is getting into the colleges that our student wants right and so with that I do want to make sure that our families know that I am part of of a bigger organization right and that bigger organization is Eagle Lock right we are formerly known as College admission Secrets okay now as part of our Eagle Lock coaching program we do have a college application intensive our college application intensive is a two weekend event where students can come with their kind of you know ideas leave with rough drafts and then for the second part they Accel Ator leave with final drafts of their main essays so if that is something that interests you you can definitely go to our website College intensive.com I will also have a QR link and a phone number that you can you know um that you can uh text so that you can get more information about it if you if you are interested as well but for those 11th graders out there this is something that will greatly help you a lot of students feel like they know how to write unfortunately no high school student is prepared to write the college application essays okay so keep that in mind okay and so this is available for families right but let us actually finally get into our scholarship training now okay so scholarships right the first question that we have is well where do you find them right the first thing right is many times colleges provide scholarships right now to make this easy and and differentiate it what I'm actually going to do is call all the money that a college gives to us right free money right the reason why I want to differentiate is because I'm also going to be talking about outside scholarships later okay but for this purpose it's free money right now different colleges have different regulations requirements for students to be eligible for scholarships okay moving on right one of the pieces of the puzzle is Merit Scholarships okay now I put a little kind of comment in here that well they don't really exist right I have had ## What Colleges Are Really Looking for When Awarding Money [06:30] thousands of consultations with families and asked me like oh yeah well my students going to get Merit Scholarships right they're not really there right I want families to think that they do not exist right and let me tell you why right the first is that pure Merit Scholarships are very far in few between I'm not saying that they don't exist but they're a little bit like the loch nest monster there's a lot of people that says that that say that they have seen the log nness monster but there's like no definitive proof right now again I do know that they exist because even in California where I am based right there are pure Merit Scholarships available right well let's let's kind of qualify that there are Merit Scholarships available but it's not only based on your Merit okay now the closest thing that we have in our UC system right in the University of California system is something called the Regents or Chancellor scholarship okay each UC has a set number of Regents or or Chancellor scholarships that they give out to students right now if you look at the fine print of the Regents or the chancellor scholarship it literally tells you that it is that you kind of get chosen by your Merit but the amount that you get which can range anywhere from2 to $20,000 right is based on your financial need right so just to kind of like put it into perspective right each year right the CES accept or send out about 10,000 acceptance letters to students okay out of those 10,000 acceptance letters that they send out they send out about 50 Regents or Chancellor scholarships okay so if you're one of the lucky students to get one of those 50 kind of spots that they have at each individual UC campus right your chances are 50 out of 10,000 right that's not a very good chance right so but kind of going forward right if you are one of those right then it depends on where your family's income lands on the totem pole right so if your family is near the top income earners you're going to get closer to 2,000 if your family's a lower income earner or at the bottom of the totem pole then you're going to get more money okay so while Merit Scholarships do exist to a certain extent sometimes they change depending on your family's income okay now I pulled this off a school's website I believe it was like LMU right so it says here Merit Scholarships recognize achievements in high school and are based on academics rigor and curriculum quality of application and test scores okay so they're basically saying that your merit scholarship is based on everything in your application right and just like the uc's there is a range right it can be as ## The Truth About Regents, Chancellors, and Institutional Awards [09:15] high as $40,000 per year that means that some kids are going to get $200 some kids are going to get $1,000 some kids are going to get $40,000 right so what do you think that is based on it's based on their financial need okay so for parents out there with 11th graders oh my student did really well right so at you know they're going to get some merit scholarship you need to get that out of your brain okay it does not exist right and at kind of like the top 20 schools in the United States they explicitly State on their websites that they do not have any merit-based awards okay if the top 20 is doing that right everyone else is kind of following along what they're doing now if you apply to a little bit more of a unknown School an obscure school and your student is a very very high kind of ranking High achieving student is there a chance that they give you money to incentivize you to come yes there is right is is there an in incentive given to students from out of state from schools like ASU right they love California students right is there an incentive given to have those California students come yes but it's not really a scholarship if you're from California and you apply to ASU and your GPA is above a 2 .5 then they automatically give you $50,000 over the course of four years it's not because of your academic kind of standing it's just because you're coming from out of state they want to incentivize you to spend money in Arizona okay so keep that in mind there right then there's other free money right colleges see it all the time right you'll see some examples of it later when I kind of get to kind of our more recent results right they might call it Aid or departmental funding or scholarship or Grant or some waiver right but the end of the day it is free money right any extra money we can squeeze out of colleges is a great thing okay so that is kind of the the scholarships that you can get from college right free money okay now how to attack this right I showed you what it said on that on LMU lmu's website about their Merit kind of scholarships it's about your application how you present yourself colleges are looking not for quantitative GPA factors right they're looking support qualitative factors that give them a reason to give money to a particular student right focus on your strengths highlight where you have dedicated your time right one school that really loves like students that does community service is a school like Tain they have a special scholarship for students that have participated in a lot of community service right a high GPA is not a marker for you getting anything okay literally I've had students that are 4.7 this and that no no merit Aid right I've also had ## Outside Scholarships: What You Need to Watch Out For [12:00] students that are 3.2 get Merit Aid because but it's not Merit Aid it is based on all the factors in your application including your family's Financial need okay so whether it's community service Sports projects right you want to focus on showing how you have spent your time and remember colleges want more change makers and leaders okay that's what they want that's the person that they want coming to their campus okay so hopefully all that made sense right now we're going to move to the outside scholarships right now you might be thinking wait the things we had above were scholarships again remember that's just free money we're getting from college right these outside scholarships are from organizations or companies that aren't affiliated with your college think Facebook Instagram Coca-Cola Pepsi Rotary Club your like your city scholarship those are the types of scholarships that we are talking about now okay now for those scholarships there are some things that you need to watch out for okay and there's a couple things right the first one is how many years can you get this scholarship that is a very important question second is what are the requirements if they require you to be 20 years or older well you can't get it as a freshman because you're not old enough right they might have essays they might have letters of recommendation you need to turn in they might also need an interview there's a lot of different things that are part of these outside scholarships some of them maybe even have you come like to a dinner and like you have to go up there on the stage and like hold up a little thing and take a picture even right so just make sure that you can abide by all the requirements that that the scholarship has now the biggest question that is important to outside scholarships is where are they sending the money to if you win okay now you guys might be thinking no it's more important that we win no it's not right so it is more important where they're sending the money if you win okay so let's talk about that right where is the money going right the most important factor and that that question I underlined where are they sending the money is because of something called scholarship displacement right now I have talked about this a lot right about how outside scholarships can actually end up harming your financial aid right now I was searching right and I was like looking at this and looking at that and then finally right I Came Upon This word right this term right and I haven't really used it because I don't think it really displacement isn't really the right right word I think right I don't necessarily like the term but this is the actual real terminology that colleges use that kind of Scholars use when they're talking about the phenomenon that I'm going to talk about now okay but it is scholarship this displacement okay scholarship ## What Is Scholarship Displacement (And How It Works) [15:00] displacement is basically this right scholarship displacement is what happens when you get an outside scholarship and it gets sent directly to the college you will be attending okay now you might be thinking why does it matter where they send it right but let me explain it a little bit more okay so I'm going to give you an example okay so let's say our student they have gotten into USC right the cost of attendance at USC is $999,000 in change right now there's a lot of parents probably out there thinking oh my god when did College become so expensive right college has gone up by crazy amounts right when I went to college and again even my college was expensive at the time it was $72,000 that was everything room board tuition everything everything included right it has gone up $227,000 in the last I'm not going to tell you how old I am so you guys will have to guess right but let's say $99,000 USC was going to give you $40,000 that's what they deemed that they needed to give you so your family could afford coming to USC but let's say that you got a Coca-Cola scholarship worth $18,000 right now for most people right and because I've used this example so much I know everyone knows the answer right I do see some new people here so you might not know but most normal people would think well USC was going to give me 48 right Coca-Cola is going to give me 18 that means now I have $58,000 and so the difference is going to be $41,000 that's what I need to pay out of pocket in order to go to USC right but let's take a look at what actually happens here okay this is what happens USC was originally going to give you 40 but you brought in $118,000 on your own by putting in your own time and efforts now USC only has to give you $22,000 plus the 18 that you filled to be at that $40,000 Mark right the way you can think about this is this they what they're what they're saying is that $40,000 is the amount you need to make it affordable for your family to come to USC but if you find money on your own well now USC well we don't need to give you that money anymore instead you found that money yourself right so that's okay because well at the end of the day you're still getting $40,000 but the question becomes what happens after the first year let's assume that the Coca-Cola scholarship was only good for one year it's a one-year scholarship then it's done right well this is what happens congratulations your family is now the proud owner of another 18K in money that you have to pay for college right in addition to that another negative result that comes about because of of this is that your your family's Baseline ## Why Some Scholarships Can Lower Your Future Aid [18:00] financial aid is now set at $22,000 that's what USC thinks that they need to give you every year because you brought in money on your own okay so instead of getting $40,000 and $40,000 and $40,000 and another 40 for a total of $160,000 now you got 40 the first year from your own efforts right the 18 plus the 22 and then moving forward you're going to get another $22,000 per year that's $66,000 that means that your total financial aid that you're going to get for the course of those four years is $106,000 Right compared to $160,000 you just lost out on I don't know I don't know how much cars cost nowadays but you probably you probably lost out on Alexus right that is basically what you lost out on right and I have this little owl over here saying congrat ulations but it's not really congratulations at the end of it you kind of put yourself in this position right so right now I know that there's going to be people that go out on Google and search right so I'm going to do it for you okay one of the things that they might say is well yeah no scholarship displacement is illegal in California right and you're right it is but it's for a very specific group of people okay so if there are students that are eligible for federal pel grants those are the only people that are not where the colleges are not allowed to do scholarship displacement anyone that is not receiving the pel grant right will not will their scholarships will be displaced okay now just to give you some context of about that in order to get the pel Grant from the federal government in California your income needs to be below that around 60k or less Mark right if you're above 60k good luck getting the pel grant right but if you're below that you can and then you will be protected so you can get scholarships from anywhere and the school they cannot lower your financial aid based on those outside scholarships okay so again I know that someone later is going to bring this up and say no they don't do that right but no they do right all the time okay but that is the exception if you are a pel grant recipient they cannot do that so even if you bring in 20 30 40 50 60 $70,000 in outside scholarships they cannot displace your financial aid okay so keep that in mind here now the takeaways from this okay and again if you guys do have questions make sure to put them in the Q&A in the chat somewhere so that we can make sure to answer your questions right the first thing that I really want to kind of put out there is that not all scholarships are created equal right you need need to make sure that you understand the consequences of getting money from those ## How to Decide Which Scholarships to Keep or Reject [21:00] outside scholarships the money you're getting from school you don't really need to worry about it too much right they're giving it to you right as long as you kind of make satisfactory academic progress you'll be fine right satisfactory academic progress means you're on the way to graduating right so un unless you're failing your classes you should be okay okay so understand the consequences of those outside scholarships right even if it seems great at the time it could hurt you in the long run just like how I showed you with USC right and that Coca-Cola scholarship right make sure to look into the questions I asked before right how long is it good for right what are the requirements and where are they sending the money to right so for a lot of our students we say hey go ahead and apply and then we'll decide what we take later I have students that literally have won $155,000 scholarships right but we have decided not to take them right because we know what's going to happen as far as the Baseline okay the Baseline will be lowered right and because that scholarship is only good for one year they will lose out on the remainder of their three years in college right so cash in hand if they're going to hand you you know crisp $100 bills no problem right we'll even take dollar bills right a million of them please right if they're going to give you a check if they're going to direct deposit into your bank account if they're going to give you a Visa or MasterCard gift card right any of those is okay right but if they're saying hey Johnny where are you going to be attending in the fall we're going to send your scholarship there you you just say thanks but no thanks right well depending on the situation right so if you got no financial aid yes obviously that's something that you want to take right but if you did get financial aid you want to make sure that you talk to someone about accepting it before you make any decisions about where to send it okay so hopefully that helps right now a little bit about why we're different well first off we have a money back guarantee I haven't seen another financial aid company out there offer a money back guarantee next we don't ask you to buy life insurance policy or tax deferred annuities right we take you as you are with the income that you have your student also doesn't need to have a 4.5 GPA or 1,600 on their SATs right and the biggest one where I've seen other companies do this we don't ask you to apply to colleges that you would never apply to in the first place just so that we can keep our promise of getting you financial aid right other companies they promise you the moon right and then they don't deliver and then nothing happens us we we we tell you exactly what we can get you right we give you a range right if we don't meet that right and don't meet our money back guarantee you get your your money back in full right so I'm sure we can find a solution for your family right and if we can just you know make sure that you just know that you your money safe because we will give you a full money back refund okay now one of the things that I want to do was start kind of sharing with you guys the results that we have gotten for this year right um and again we've had some great results right and so I I wanted Share three of them with you today right ## Real Case Studies: High-Income Families Who Got Aid [24:00] now I wasn't able to get all the information and from one of the students I wasn't able to get a screenshot right they told me what they got they didn't send me a screenshot right but I wanted to use it for today right so this student here right this student the family income was around 347,000 right assets was right around 1.4 million they owned their own homes they had rental properties right they got $30,000 from Chapman $35,000 from forom and $37,000 from University of San Diego okay that's one of the results that we have here again I only had one that one screenshot right and again people might say oh you found that somewhere else this is for the 25 26 year that is the year that these students are going to be headed off to college for their first year right we have another family right their family was around 230k 800 800k in assets they own their own home right this is the amount that they got from I believe it was UC Davis right they got about 15 grand Cal grant right they also got a campus fee Grant 990 University Grant 6.6 University grant for loan reduction 3.28 right and then health insurance assistance for $3800 too right for a to grand total of roughly 15 23 24 30 around $337,000 this family is going to be paying $5,000 a year to go to UC Davis that is their total cost right so they're probably going to have to pay for you know pay so it's on a quarter system so they're going to pay about $1600 in the fall $1,600 in the winter and $1600 in the spring okay now this student also got offers from Santa Clara right now if we actually look at the numbers right they're going to pay $5,000 at UC right this family has probably decided on going to a UC at Santa Clara we got them about $67,000 okay that's $67,000 but you Santa clar is an expensive school so they'll still have to pay around 20 right LMU we got 70k right again they're still going to have to pay around you know 17 $18,000 a year right now the decision is up to them now right we've provided them with options right that can work for their family but again it depends on where the student finally chooses okay another result we had a student going to Baylor right the family AGI is around 437,000 right uh the assets are over $2 million own their own home they also have businesses other properties right and this school we were able to get them $42,000 a year so it's almost it's basically half price for B okay so these are some of the results that we have been able to achieve this current kind of cycle with our students right I'm sure there's going to be more as students start coming back with the results that they have gotten okay now again I do want to open it up for Q&A right but before I do I want to make sure that you guys have the information to reach out to us okay so if you are interested in talking to me about financial aid right and kind of having a quick consultation our consultations are always free whether it's for our financial aid program or for our coaching program right we want to make sure that we provide you information and then if our programs fit for you then we will tell you about them right so if you are interested you can contact us at 94977 5865 you can text money if you're interested in the financial aid package you can also text College to that same number if you're interested in our coaching programs for younger students ## How to Get Help with Your Financial Aid Strategy [27:30] or in our college application intensive I have also put QR codes up here right if you are interested in kind of just like signing up on your own and finding a time right you can go ahead and use those QR codes to book a consultation with us on either end okay the one on the left is going to be for financial aid the one on the right is for our coaching programs okay so I want to make sure that we do open it up for questions so I'll give some people time to kind of you know take a screenshot you know scan the QR code whatever you need to do right and then I'll also wait for some questions here as well okay all right we have a question in the Q&A and the question is is there a limit to the income that you can have in order to get financial aid so as you saw the the the kind of numbers or like the incomes that I was working with uh for those three specific cases we're in the 200 300 and $400,000 range right now if your income is above like you know 3/4 of a million dollars or it's over a million dollars there's probably not there's nothing that anyone can do for you really right uh unless you are forging your taxes every year right uh which we do not condone and we do not do okay um and so uh but anyone that's kind of under that $700,000 Mark is probably something that we can is it's probably something that we can help right there have been instan is where I've been able to get money for very high income families but it's a very it's because the situation is complicated right um and so we were able to utilize different loopholes in order to get them a little money right I was able to get them about $155,000 a year okay but if you guys do have other questions go ahead and put them in the Q&A put them in the chat I'm more than happy to answer them for you it could be about anything it doesn't need to be about scholarships anything related to financial aid right or kind of what's going on in the world those are all good questions as well right and in the meantime I'll also go ahead and put the kind of link to the financial aid consultation and again they are free into the chat here so that you guys can go ahead and uh you know use that link as well so there's three ways to sign up for fin text QR code and Link right so there's no kind of reason why you shouldn't again it's free if I can help you I'll let you know if I can't I'll let you know as well right so the risk is that I actually had a family reach out to me yesterday right this family reached out to me yesterday and said hey we just saw your training yesterday about the CSS profile and we realized that we screwed up pretty bad because we didn't do anything right and I was like we need to talk today so I did talk to them today and I realized there were still some things that we could do for them okay they have twins Right double ouchie right two kids in college at the same time right one got into John's Hopkins right the other one I believe is going to Emory that's $180,000 a year right and so uh we're going to do everything that we can to help them right and we're probably going to be able to get them about 253 Grand a year right in their situation okay so we have a question here uh it says since you mentioned LMU my daughter received the presidential scholarship value at 120k also through 10K per year for golf since you mentioned that scholarship displacement is not a factor if you apply if you qualify for it's not if you if you qualify for calg Grant you need to qualify for PG Grant right so calr is given by the California state the the restrictions and limits are a little bit different right if you are eligible for the pel grant there is no scholarship displacement in California okay yes and it's public and private uh institutions in California right so whether it's a private school or a public school they cannot do scholarship displacement if you are eligible for the pelg grant okay uh we have another question here and it says as College prices are uh go up are colleges being more frugal with the money they give out not necessarily but I will say this with all the things that are going on in the world right now the US Department of Education being a a agency that gives a lot of money to colleges for like research and this and that a lot of colleges are being cheap and Frugal right now not because well their prices are going up right but because they're not sure what kind of funding is going to be coming in in the next two three four years right so because the colleges aren't sure where they're going to have to open their wallets unfortunately this year what I've seen is that colleges are giving less money than previous years right now for students that are already in college well that doesn't really matter because your Baseline has been set you you will continue to get that money there's not there's not very many situations where colleges will say we gave you $50,000 last year everything else for you guys is the same as far as your your your kind of income and this and that but we're going to drop at $10,000 it just doesn't happen right so unfortunately for the students that are kind of graduating in 20125 it is something that we're going to have to deal with as far as colleges being a little bit less friendly with giving out that money okay okay but we have to deal with the situation that we're given okay so we have another question it says for outside scholarships how do you explain to a nonprofit to send the check to you instead of sending it directly to to colleges that's not something that you can usually request right uh the reason why like these like nonprofits or these organizations are sending checks directly to the colleges is because they want a tax write off at the end of the year for charitable giving right um so I mean if you know someone in that organization then yeah you might ask them for a check directly to you or um you know like to to the student right but if their policy is that they send it directly to the school and that's the only way that you'll ever get this money well then you have to make a kind of decision on how you're going to do that okay good questions very pointed questions right um again that's why we're here to help you guys answer questions okay uh I'm going to put the link to the consultation in here one more time again uh once we close down Zoom this will disappear so make sure that you take a screenshot of this page or save the link somewhere so that you can sign up with us so that we can talk about your situation now there's probably a lot of I I saw a lot of people coming later as well there's probably people that have eth n 10th graders as well right and you might be thinking oh yeah this is great I will remember when my student is a rising senior right well there's two reasons why you should sign up for your consultation now one you might need to be doing things in the relevant tax year in order to help your situation right the second thing is that well I have students that are as young as fourth grade right the reason why a lot of our families sign up early is because well it's the cheapest now right our prices are never going to go lower right um so you can lock in your student at any time right if they're an eighth grade you can lock them in now the price you pay is the price you pay today right in the future in a year in two years and three years I don't know what our prices are going to be right everything's going up right I went to Costco right the eggs went up by like 45% over the course of a week right I bought them for $14 for the for the six or the five dozen right a week before the week later they were $22 right or maybe not a week maybe two weeks I don't eat that many eggs right um but again everything's going up so I I cannot guarantee what the price are going to look in 6 months a year two years 3 years right so it will be the cheapest now okay so again make sure to take a screenshot here make sure that we you know you you copy that link right yeah uh like this person said in the chat we need a scholarship for eggs these days yeah I know right um and it's not even just a I I literally went to Costco seven times right over the course of 10 days to try to find eggs right I went no eggs right I went the next day no eggs right I went the next day right they had quail eggs and I was like well I I need to eat like seven of those to equal one egg right and then right finally right I decided you know what I'm G to wake up at 7 o'clock and I'm gonna go to Costco and I G to be the first one in line and get my eggs right but it wasn't because I was there at 7:00 that I got eggs it was just that was the day they got their delivery so it just coincided right but finally after days I got eggs right so it took a while in the meantime I was paying $20 for a dozen at like different different supermarkets uh okay egg prices are dropping unfortunately everything else is in right um so again make sure you sign up for that consultation and then we'll talk see if I can help you if I can I'll tell you about our program okay all right all right but thanks thanks for that info on the eggs hopefully Costco's Eggs prices are going down right you know so I have I have a couple doggos at home that get eggs uh in their meals so hopefully it goes down okay so I don't see any other questions so we'll kind of end off here today again if you do have questions make sure to reach out on Facebook Discord wherever so that we can make sure to answer your questions okay so I'm going to leave this up just for a couple minutes so that you guys can uh you know take screenshots and what whatnot uh and then we will see you again here next week right hopefully we'll have some exciting news and some good news right but I'm not hopeful okay so uh you know I look forward to seeing you guys then and if everyone uh you know I'm in California it's we have another cold spell coming in so everyone stay warm and we'll talk to you again soon okay all right byebye have a great night e