So thank you all for being with us on the Friday morning slot a tough one, especially in a very large room So but we're so happy to be all together and to have you with us. My name is Audrey Selyan with Artha Networks a group that's been working on enabling the The impact investment Ecosystem in different ways and trying to bring together various Communities that provide a deal flow and impact investors and our experience has been mostly in India I have the Pleasure to be with this incredible group of people this morning. We're so happy to see how the the theme of Indigenous communities and impact finance has emerged and Been elevated through the course of SOCAP this year and so this is sort of another for us a capstone session And an opportunity to share with you some of the thinking some of the more creative thinking around how impact finance and blended finance is being used creatively in the context of indigenous and indigenous native communities and With me today crystal Cornelius From a Wista Corporation Jeff Bowman from Bay Bank, which I just learned this morning is one of 17 native-owned banks in the US And Nick Tilson from Ndn. I'm gonna let you all do your Introductions because I will not do justice to you to your work Sufficiently and then I'd like to propose that we then just kind of dive in with one or two big questions about What you know, what we're seeing some of the more creative and some of the more salient Interventions that we're seeing in finance for your communities. So with that crystal Good morning, Nina Nishinabekwe. My name is Crystal Cornelius, and I'm executive director of First Nations A Wista Corporation. We are a national intermediary lender We're a certified native CDFI and we've been in this space for about 20 years. So really our organization Through the gamut of the CDFI industry per se has really helped propel the advent of Sound and prudent lending institutions on in tribal communities across the United States. We're a nationwide organization Work in the 50 States and also work within part of the 50 States, Alaska and Hawaii one thing that I think is really interesting about this panel per se and a lot of what I do and a lot of the lending that I do as an intermediary is to Relatively smaller loan funds So we would say between a million and five million in assets and working in persistent poverty counties very rural communities But in the scope of Indian country itself, and you look at the over 500 tribes We really have become sophisticated Financially within these systems. So one thing I really like about this panel and what we're going to be talking about Generally, I'm talking about the the need for capital within our rural communities Which is is there it's true and and we're a good bet and we can talk about statistics and loan Portfolio ratios and all of that good stuff in a moment But we also have in the form of true self-determination being we have this larger lack of capital access to grow Individual assets community assets within tribal nations communities and sovereign nations we're seeing within the the composure composition of this panel how incredibly Um Sophisticated tribes can be in figuring out how to serve their people in larger measures and really thinking of new mindsets Which align with cultural mores per se and capitalism and how we see these collective forms of capital Actually really working and being very healthy And I think we see this outside structure where a lot of people are trying to figure that out So the intersection between so cap and what we're doing on financial levels Within Indian country. It's really like a perfect marriage. I feel and we've been walking parallel For so long that I'm really excited to have this conversation and hopefully with the small group We can really get into Some deep dialogue on what questions may be perceptions may be opportunities and such so with that I'll turn that over to you Nick I'm a doc yopi Nick Tills and a machi up a Chantel Washington up a choose up a low Get you in my Lakota language this morning Thank you for being here and I want to first acknowledge this is the land of the aloney people and the ancestors of this territory for allowing us to be here I Come from the Pine Ridge Indian Reservation in South Dakota and that was a former executive director of the Thunder Valley Community Development Corporation and I was honored enough to be part of a movement of young people on Pine Ridge reconnecting to culture and spirituality and identity through our ceremonies in our language and and that really Give us an increased sense of you know commitment to place and responsibility to tackling these problems in our community And so we created a pretty dynamic community development corporation and we You know set on a journey to build a 21st century indigenous community from scratch in the poorest place in America and We we didn't know anything about money or community development or loans or interest rates most of us had Predatory lent loans at the time with our cars and all these other things, but We we wanted to build community. We wanted to solve systemic problems in our community And so we we became developers we became community developers and 10 years later Thunder Valley Community Development Corporation employs 125 people We have over about 57 different philanthropic partners and we've leveraged about 75 million dollars of new investment into our community on Pine Ridge and begin to revolutionize our thinking And and and address systematic problems in our community and in the journey to and in the journey of doing that work Our work was uplifted throughout Indian country and sort of outside of Indian country too and And so we eventually were contacted by about 43 different tribes and 27 different native nonprofits comprised of over 70 different indigenous communities All over the hemisphere who were saying we want to do something similar to Thunder Valley in our communities, but But unique to our culture to our climate to our place and Thunder Valley didn't have the capacity to To really help them. So we just said come Not thinking that they actually would And about 37 tribes have visited Thunder Valley over the past few years and we've just been sharing what we're doing and so I guess like you know Probably about a year and a half ago. We went to the drawing table and said what what what what kind of system? What kind of system would it take to scale what we're doing at Thunder Valley because I kept Catching myself telling tribal leaders and communities Don't do what we did how we did it. It's madness and I wouldn't wish it on on anybody You know, we just got done raising $3.7 million for affordable housing project from 14 different sources And it's crazy, you know and so so the new organization that we're building that we'll talk about a little bit later is the Indian collective of reorganizing philanthropy and Basically building one of the you know building building the biggest intermediary grant making fund geared towards indigenous people in the history of philanthropy And we're the process of building that now and creating partnerships and we're building a national CDFI that can run side-by-side with it So that we can do blended capital solutions to lift up native communities So we'll talk a little bit more about that when we get into the The meat and potatoes I guess. All right. Thanks Good morning, Pozo, Bozhu, Seguli, Ho, Kolomose. That's how we say hi to each other in Wisconsin My name is Jeff Bowman. I'm from Bay Bank the United Nation is owns a community bank There's approximately 5,600 banks left in the country that our FDIC insured and only 18 of them are Native American owned so we Are in a very special class and there's about 150 minority owned institutions. So We Have a very targeted approach to affecting change in our community the bank was started by the tribe about 23 years ago and Initially went in the partnership with some private individuals and the nation they both put in half the money to start the bank and The nation was interested in starting the bank because their tribal members were using predatory lenders They weren't getting credit. They weren't getting mortgage loans And when you lend money for mortgage loans in a native community oftentimes the land is in trust And it makes it difficult to get a lien. So to an inexperienced inexperienced lender That's problematic to them. They don't know how to figure that out So one of the things that we specialize in is home ownership and just access to credit in general to the Olnita community The Olnita community is in Green Bay, Wisconsin The greatest football city here in the continent if you say what representing Green Bay The reservation is actually a combination of rural and urban and part of the reservation actually Overlaps into the city of Green Bay So the United Nations very enterprising besides gaming it owns hotels commercial real estate It has an engineering company and one of the reasons to get into the banking business was their tribal members Just couldn't get access to financial services. So we enjoy a very brisk business in our community We originate a lot of consumer loans and what it does shifts people out of using payday lenders and title lenders We also make a lot of small-dollar personal loans. That's a hard loan to get You know, you can get that loan at a payday store and pay 600% or you can come to the bank and and get a very fair rate And so we have 26 employees and nine of them are tribal members The board is elected by the the tribal council and four out of the five board members are tribal members So there's a direct accountability back to the relationship. I mean to the to the shareholder And so we enjoy Very good support from the tribe, but we operate on our own autonomously just like any other commercial bank So, you know, we have everything All the other banks have but what makes us unique is the target audience and so we serve our tribal members There's 11 tribes in Wisconsin six are Ojibwe and there's Menominee, Ho-Chunk, Stockbridge Oh nighta and so what we do is We have a lot of lending in our backyard, but then one of the things we've really Developed over the last few years is reaching out to the other tribal nations in Wisconsin To help them with projects It might be a construction loan on a like tech deal where the tax credits will come into the project later to help So that project doesn't have any debt, but the tribe may need a interim construction loan to create The build these new houses. So we figured out how to do pretty sophisticated stuff But be a small bank and so when you're I like to use the analogy and banking that we're a speedboat And a lot of these big banks are battleships, you know what a speedboat you can turn like this You can change your policy. You can change your focus really quickly, but for a really large organization It's really hard for them to you know to be agile So we we really enjoy this business and there's just a lot of work to do it in our in our communities Thank you so much for these introductions And I would I just wanted to say how much I appreciate, you know the opportunity to delve into Some of these some of your respective experiences. I think on some level we should I should probably refer to the title of our session and and just bear homage for one second to this sentiment that You know the deification the elevation of venture capital models Especially given where we see the city we're sitting in today. It's kind of an important an important Point to raise there are particular Value systems there are particular Aspects of one's appetite for risk. There's one. There's particular aspects about one's approach to time and and the definitions of patience that I think are just so important in The context of raising up the next generation of young social innovators and those who just want to make change the Community developers that the friends that I imagine you worked with for example, Nick Could you speak a little bit more about some of bearing that in mind some of the examples of How you're looking at blending different types of finance with a very different mindset to help Spur the kind of you know enterprising activity that you want to see in your communities Are there specific? examples That you could share with us I'll take that one Yeah, so in the building of in the building of Thunder Valley Even though we're doing all this Dynamic development work the whole project was about building up people and this is the most under-invested community in America with That has never had unemployment rates ever in the history of the organ of history of the reservation have never had unemployment Unemployment rates below 50% and Poverty poverty rate poverty hovers around 70% I mean this is a community who did not Participate our benefit from the industrial revolution And this is different. This is long. This is entrenched poverty, right? This is not post Cleveland post Detroit kind of poverty and so And so, you know in our work of building affordable housing and in creating doing job creation We basically created what we call an ecosystem of opportunity and this ecosystem of opportunity had to do with creating As a developer actually creating bringing infrastructure raw infrastructure into the community doing housing development a Workforce program and then we basically created a worker owned construction company and That and a workforce development program that ran side-by-side with it The workforce development program was funded by grants the administration for Native Americans and the Vakirovich Foundation and then our Then our a teacock a construction our worker owned construction company That's where we took on PRI PRI capital into that to launch that company and And and they're the ones that are building the whole community at Thunder Valley right now We were able to it was interesting because as a developer we became an anchor institution And so we leveraged the fact that we were a developer in an anchor institution to think about launching enterprises So that in the development work that we were doing we're actually being able to make sure that That development work was having impact in the community So then we so then like what I didn't anticipate was how how big Thunder Valley as an organization would grow And so all of a sudden we ended up at this challenge where challenge and opportunity where we had a hundred and twenty five employees and You know with a hundred and twenty five employees and in the middle of a place that has a housing crisis for an organization Who's trying to solve a housing crisis? I'm like if I don't build housing for my workers. I'm going to lose the workers and we're not gonna have impact and so So we so we launched on this you know endeavor to To build a affordable housing project for employees that were working for Thunder Valley, and of course we didn't have any equity And so we basically partnered we partnered we partnered with the Shakopee mid-walk it into a community Another another tribe in Minnesota and partnered with the Northwest area foundation They brought grant capital so the Shakopee invested about six hundred thousand dollars in a grant Northwest area foundation invested about four hundred thousand dollars in the grant And then we partnered with the we partnered with the South Dakota Housing Development Authority and took on about a one point a 1.5 million dollar Loan and built affordable housing for our employees there But it was through that partnership that they were understanding the Northwest area foundation in Shakopee were understanding They were doing two things by doing that they were bringing equity into the project so that we could actually be able to accomplish The the balance sheet of the of the of the project and be able to afford the loan But keep actually keep the rents down But they were also understanding that they were making an investment into strengthening our balance sheet so that we were able to Leverage other forms of capital as a part of the project. So there was like When you know when we were talking about impact and sort of their reason for making those kinds of investment There was I think ten different things, you know, there was worker, you know, you know housing for the workforce There was increasing the balance sheet There was all these different things that were all part of it and taking on long-term capital from South Dakota Housing Development Authority too so those are that's an example of how we use sort of blended capital and stretched out the patience and And brought in and get it away for investors to be involved in our work Let me take a stab at it. Yes. So, you know, we're using the conventional bank model Bank is just a financial intermediary, but I always tell people that banking is really easy We rent money we rent money from depositors. We pay them interest and we mark it up and we make a loan with it So you need to know the people that have the money you need to know the people that need the money, but We've figured out how to get become very efficient at using Standard kind of tools available that every bank and we've become experts in them for example Indian loan guarantee Indian loan guarantee is a loan guarantee program It's like the US Small Business Administration loan guarantee, but it's under the Department of the Interior And so we're closing a loan next week for a tribal project. This tribe is expanding their grocery store and It's about a three million dollar project. We're doing a two point seven million dollar loan that loan will have a 90% guarantee on it. So we're trying to use tools that are readily available that enhances the credit and it Mitigates our credit risk. It's a long-term loan. So this community has a nice grocery store They're gonna have a beautiful grocery store when this is done in this particular community has a lot of tourist attractions because of hunting lakes and Automobiling in the winter and stuff like that and they're not catering to the non-native crowd right now Their store from a aesthetic standpoint isn't the most appealing and but this is gonna be a beautiful modern grocery store So we're we were willing to step up and provide this loan get credit enhancement on it another example is we use a loan product called hud 184 and that is a mortgage loan that Contemplates taking a lien on a house on trust land So on many reservations the land is checkerboarded between fee land and trust land Some of the trust land might be in the tribe's name some of them might be individual trust where it's assigned to you So a conventional lender cannot take a lien on that land. It's held in trust They'll never have the land is collateral. So that's a turnoff, you know to some lenders They just look at that and say, you know Intellectually, I can't even wrap my head around that and if I'm only gonna make one or two loans I'm really not gonna put the time and effort into it, but this loan product contemplates that so that loan is 100% guaranteed principle and interest by By HUD government agency what that does for us is it provides liquidity Our bank is about a hundred million in assets and then we have another 80 million dollars of hud 184 loans that we've Originated and to provide we can't tie up all 80 million dollars of our cash into 30 year fixed rate loans We sell those loans and then we're allowed to retain the servicing of it and it can be used on fee land trust land So you take a hundred million dollars on our balance sheet and eighty million dollars in mortgages. We serve 100% of those Borrowers are Native American. So we're using pride, you know Trying true tested products, but just applying it to Indian country And it really gives us a competitive advantage because there's not a lot of banks that have built up that intellectual capital to figure out How do you use that and and we're really good at it? So, you know, we're we're using the traditional bank model But we're we're using some products that are off the shelf that are available to every bank We've just figured out how to become, you know, very efficient with them So, you know, what we need is deposits to keep growing the bank and to make loans, you know, we need money You know, we need to raise deposits. We're not doing a bond We're not using patient capital from a foundation, although they could become a depositor So I brought signature cards and a resolution with me if anybody wants to open an account You just make a check payable Bay Bank and we'll take care of that after the session as I briefly somewhat alluded to My organization First Nations of WESTA we are our Target market is native CDFIs we help fund and directly Invest into native CDFIs through the tenure of our history. We have helped build up the CDFRI industry per se from 2 to 77 today and about 30 more emerging Nick I'll be happy to say in a couple of years. We're not the only intermediary Nick will be an intermediary CDFI with his Indian collective models So I'd like to just give a brief little tidbit of history so I can talk about this momentum Endeavor that at least is pretty proud of that. We just put together recently So when you look at Indian country per se in each one of our individuals I believe on this panel is is really portraying in their own aspect how under leveraged Indian country is In regards to the native CDFI industry per se of our 77 CDFI's we First Nations WESTA also does quite a bit of data collection and and research We have net assets collectively Amongst our research Respondents, you know on average within the industry of 79 percent So we have so much more debt and investments that we can take on and keep a healthy financial position and what that really is showing is One a number two an appetite for lending within Indian country per se. Maybe that's for larger development Maybe that's in regards to building personal assets and community assets by ways of Helping build private sector economies home ownership And building up consumer credit within Indian country per se in looking at this So if we look at 20 years to where we are today another thing first Nations a WESTA has done is we have a Financial literacy curriculum. It's the widest use curriculum in Indian country. It's called building native communities financial skills for families We're now on our fifth edition and this is very important because our communities We look at at money. We look at transaction and we look at value in assets much differently So learning how to balance that with capitalism per se and having lived in cash economies for so long There really has been Wonderful growth and finding that balance respectively and what that means for each tribal community itself So they figure that out, but with the right tools and resources and capital to follow We've gotten to a point now Where in partnership with banks 18 native banks created throughout the industry CDFI is by and at large or non-depository institutions we're evolving loan funds. So when our Tribal members are ready to graduate out of our Organizations, which they hope they do and go into mainstream financial systems Where are they going to keep their money in a safe and affordable place? so the intricacies of all of the the forms of capital that we're seeing and the The growth of Indian country per se is is quite phenomenal in in that regard and stopping there Generally First Nations. We says the the first investor Of debt in the native CDFI's and there's a myriad of reasons for that It could be Indian country is deemed risky a lot of people who are interested in investing in one way or another With an Indian country simply don't know how or they don't have a connect so rather than going into Some of those barriers with that We have been a very successful lender for the past 20 years. We've revolved over 17 million dollars in Indian country 20 years lending we've had one loan default and it was $10,000. I made that loan knew it could be risky That was about six seven years ago, but that still equates to 00.01 percent and In reflection of that our native CDFI's portfolios are very very strong as well So with all of the success what we find as an intermediary We've got a very robust Portfolio loan portfolio with our native CDFI's as well as a very robust investment portfolio in order to Lend the funds but of our more tenured organizations That really have been embedded in their communities for the past 10 15 years They're still not able to garner the investments. They need to meet target market demand period So they're coming back to to a wester for money and based on our own Concentration levels because CDFI's and this isn't just the native industry at large the whole CDFI industry unless you're a bank or a credit Union and are unregulated institutions, so we are regulated by our loan policies and procedures With that quagmire per se I've got 10 15 native CDFI's and I've already got 800,000 out to you and based on your balance sheet in my Concentration, I really can't do anything for you And we don't have other people jumping in so what? Has transpired and this was an idea about two years ago And it wasn't a Wisto's brainchild by any means of the imagination a very Dedicated foundation to Indian country Northwest area foundation They have an eight-state region and they have dedicated 40% of their giving an assets to Indian country And a lot of their their states actually encompass quite a bit of tribes We hosted essentially a roundtable discussion with the finance leaders within Indian country and we're saying what can we do about this? Nobody's jumping in We need money our communities need this money for for growth and really building healthy economies within some of the most marginalized communities in the United States So we came up with the idea for a capital aggregate pool so with that The the communities and the the native CDFI's felt a Wisto was the vehicle in which to develop and monitor and Capitalized the pool so with that it was a two-year process and what we did first is we brought together a steering committee of native CDFI's So we could see what was their appetite What did they you know what would they looked like look what would they would like to look at in? Terms of policy in terms of time in terms of cost of the capital and then we started talking to potential investors and Partners to see what they would feel comfortable with so we came together with a very happy medium And what's interesting about this capital pool? So I'm happy to say We did put together the first of its kind 10 million dollar capital pool for Indian country We've deployed all of that money within the last three months But within this measure this is not something new in the finance world a lot of you are for those of you that work globally This happens all the time Capital pools and the strength collectively of organizations So this isn't you know as I indicated a brainchild of a Wisto or the CDFI's per se It's been done, but what's so phenomenal about this is? number Number one based on the rigorous financial underwriting we did on these organizations, which was a prerequisite of some of our funders which are banks and foundations and Private individuals and such normally and we do have a very rigorous underwriting criteria per se for our CDFI's But we did a full camel analysis on our pool participants Which is much different than looking at impact. It's it's it's purely finance driven for those of you that don't necessarily Lend we won't get into that. So initially we had 19 CDFI's apply for capital that were ready the terms or At least five hundred thousand you would have to take up to a million dollars ten year money That's a really big issue as well because for us. That's patient capital It is so incredibly hard for my organization to get anything longer than five years for investors So when we look at really making long-term systemic change a lot of organizations have access to ten ten year money Fifteen year money thirty year money. We are elated and over the moon about ten-year money With this and what's really nice about it as well as they had to show the demand obviously they're able to get this money out the door within a year and They still have a need for more capital. So With us and what's so innovative is that we finally I think we're coming to a really exciting trajectory within Indian country one of our biggest in my personal opinion obstacles really is invisibility and that's not the fault of of You know our potential partners or America at large because in all honesty unless you live in a Concentrated area where there happens to be native presence. There's so much going on in the world You don't really have to think about us and I'm not saying that in a rude manner But when we look at equity and we look at diversion and we look at inclusion and we look at all of these aspects that are Really at a forefront of America We as native people are still kind of standing here like we're still here You know what so so with this and this really does tie in I think just collectively to the pool With the success that we've shown by and large by ourselves through efforts of great partnerships and self-determination 18 native banks regenerative community models now being used and sought after all over Indian country creating capital pools with a myriad mixture of Financing and people belief in that we have so much more we can do and we have So much to teach I think in in another aspect as well with Outside partners just in how to make Capital work for good. That's not extractive within their policies to the community to the earth to The true the true nature of partnerships, and I think with I think collectively what do we have 60 70 years experience up here I don't know. That's kind of scary. We do though The more and more we can you know Uplift our visibility and our successes. I think the better it will be for humanity at large our people at large and Really trying to shift Capital in a measure that can work for good and it has and it can and I think we're somewhat proof of that on this panel today absolutely I mean the one thing that strikes me is that there's there's no doubt that there is an immense absorptive capacity within the community these communities for This type for it for the capital that we're here at Socap talking about and there've been ten Well, there've been I think this is the 11th Socap So it's been you know ten ten eleven years of the same discussion about how capital can be deployed for good and for In collective structures To be able to support some of the more the conscious aspects of Capitalism basically this is this is what the movement is all about. I just wonder and I'm conscious of the people in the room and What you all bring as well to this discussion? I'd ask that perhaps we together just pause for you know pause and reflect for a moment starting starting with with you All here, but I invite the audience as well to to ask questions or raise points We're here at Socap to really Enhance the visibility of this work and of the opportunity and I have a pretty good sense of The ecosystem infrastructure that that I've seen emerge in in in in India And and I've seen what that infrastructure has Attracted a high concentration of patient capital and in a willingness of some very large Foundations and private wealth holders high net worth individuals To think differently about how they're gonna deploy An allocate their money and it's not about finding unicorns. It's really not it's there's a whole zebra movement here And that's a whole other thing, but it's really about finding The enterprises and the entrepreneurs and the organizations that are really able to think about sort of cooperative and collective models So we're here. What's the moonshot? What's the ad mean next? We're gonna we're gonna come back and make sure You know in in in all of this audience and all the people who've come to all the many panels Related to these communities this year What's what's the ask? What do you envision? Happening over the next couple of years in terms of the movement and how it may benefit Your work and again I invite all of you to Raise your hands and also participate Yeah, I want to answer that one add to it a little bit. I mean like when we started thinking about impact like Indigenous communities are largely overlooked in the conversation And if you actually really think about it so 80% of the world's fossil fuels that are left are on indigenous people's land 90% of the world's biodiversity that is left is on indigenous people's land so all all Impact investors donors all kinds of folks that are trying to make an impact and fight climate change and all these things There's no way that they're going to do that without interacting with indigenous communities and indigenous people and That means indigenous people in communities in this hemisphere. Why why is it that? the biodiversity That's left on the planet is left with indigenous people and why the fossil fuels that are still left in the ground are on indigenous communities It's because indigenous people have been protecting them People have been fighting for them. So when we're talking about making investments into our communities Your strength your strengthening a broader movement to be able to fight some of the most important issues That is facing humanity today. It's not just about solving poverty on Pine Ridge or helping standing rock But we're talking about big huge global problems that indigenous people are at the cross intersection of and The fact that we have survived What this country has dished out to us the fact that native communities are the byproducts of a system that is broken In this country and if this movement is about fixing that system It needs us to do that and we need this movement to be able to save our communities and rebuild them And so, you know, we have to be thinking we have to be thinking big and we have to be thinking bold And that means people in this sector have to behave differently Less than point three percent of all philanthropy in America goes to native communities And it's on a 30% decline over the past 30 years over the past 10 years and So, you know like the work that we're doing with India with the Indian collective You know, we're trying to make the biggest power play move in the history of philanthropy to get philanthropy to behave differently So we want to create a fund that starts doing 50 million dollars of grant making to Indian country every single year Because that's what that's what that's what the need is There's about a need for somewhere between eight and ten billion dollars of capital in order to transform Indian country And so these are these are big questions and in the cross intersection of that It's solving places in this country where the porous Communities are where the most inequities that that's happening and also at the cross intersection of what climate justice looks like And arguably where the highest the most compelling impact metrics can be derived We spend lots and lots of hours talking about those metrics and how they may be found and measured and Yeah, there's a huge opportunity there Jeff, did you have thoughts? You know, we're gonna focus on the day-to-day Opportunities to provide access to capital you need capital to start a business. We want to support those nascent Indian-owned businesses But there's a lot of things that Are just real simple building blocks that we're gonna focus on every day One of the things that I'm most proud of is our consumer lending business We originate between five to six hundred consumer loans to our tribal members every year It's about three million dollars of annual volume and what's unique about the about the profile of the borrower About a year ago. I dissected the data because I was just curious. What's going on with their financial life? Half of the loans the people had credit scores less than six hundred You're not gonna get that loan if you don't get it from us, okay? And we're charging very fair rates and it sounds, you know, it makes the in that person's life It's it makes a world the difference to make them an eight or a ten thousand dollar loan to buy a car to get the work If you don't have a car reliable transportation, you cannot be successful Especially if you're in a rural community where you have to drive to work so, you know, if you have poor credit you can go to a Car dealership and use their high-risk funding and pay 36% or you can come to us and we'll charge 8% Okay, so it's very fair that there's another byproduct of that The other thing that I'm really proud of is the staff development when I arrived at the bank six years ago We had one tribal employee today. We have nine So we're building up the capacity of the business so that we have Native people learning how to become bankers Okay, so that's another impact like if your economic development work your economic development work Not only are we affecting change with the customers that we touch, but we're building up our staff so that we can Participate and do the exact same things Bank of America is doing or what that banker learned at Citibank We're doing the exact same thing So I think that's you know, we're gonna keep working on that this one last thing If you look at my profile sheet on this app I loaded a document a fact sheet on the bank if you want to learn more about the bank Just find my name on the app and you can you can see the some more information about the bank Fantastic I'll make my closing Short I'd really like to hear from the audience and this is going to sound a little vague Maybe some data tied in but my moonshot honestly is for our people to have enough and We're not we're not adding enough and I think collectively and with cultural more is native people our people are not greedy people In essence when you really look at what is held up is in true and honorable that person that Keeps to himself or hordes to himself has the least respect in the tribe So we're really looking at it a hundred and eighty degree turn around but Treasury Department of Treasury CDFI fund put out a study They put out several studies in regards to the industry at well, and they do quite a bit of data collection and research on native communities and it showed that Collectively Indian country has a seventy seven billion dollar capital gap And if we know this is what scary if we had that 77 billion dollars right now on what was needed for infrastructure for loans for everything that That money can do it would still take us 40 years to catch up to the poorest in mainstream America That's four decades. So my moonshot is Getting there Working myself out of a job where there's no need for a Wista there's no need for an intermediary because we have a financial system and structure that's participatory through all different financing agents and Getting to a point in the end where there's still a narrative on reservations, and it breaks my heart, and I'm from the reservation That you need to get an education and you need to leave home because there's no opportunities for you back home We need our kids home We need we need people coming to our communities to rule communities because of the the life and and the breadth of what we have to offer and I think that there's such a void in Humanity at this juncture that's looking for that connection for that community We have what you're looking for in that regard and in in order to just somewhat spread that message or Really social social justice I I would like to see capital and social justice aligned not only for our people But what we're doing for the globe And nationally because we're really at a trying point. If we don't start looking right now at what we do seven generations ahead I fear for my my grandchildren will never meet and I think we all should so the time for change really is now Thank you so much I'm getting strong signals from the back that unfortunately we don't have time for for the questions from the audience but I would encourage you please to come forward and and just you know, please Ask directly we'll have the opportunity hopefully to continue this conversation in other forums And another and as many of the other conferences and convenings as the ecosystem Brings together and so thank you all for being with us this morning and thank you to this esteemed panel for the opportunity to learn


The camera on the right side Kitty, where are you? Will that work? Oh my gosh The metamorphosis is happening the slow decline Will that work will that work? Anybody want to come talk to me this so she doesn't watch the news And be all over is coming home tonight, and I haven't talked to anybody today I talked to Cindy for a couple minutes, and that was it So I thought I would just jump on here I can't do all the talking because I don't have anything to talk about well I'd have one little food thing to talk about.  So the hi Mary. How are you? It's a beautiful day, isn't it? Hey, Carrie. Oh Carrie you haven't gotten a word about need and tags Hi, Carrie. Totally honey. Don't take it personally, but I'm not a fan of the tags and Please don't take it personally I don't watch tags because frankly, I don't care how many pair of underwear somebody has in their top drawer But thank you for thinking of me Don't say you're sorry. Don't it's kind of a joke. It's like okay We'll tag need and see if she answers honey. Don't say you're sorry. Please. Hi, Jessica. Hi everybody Say it. Don't be sorry. Don't be sorry. Please. Don't be sorry It is Mary and I was sitting in there. Well first I had recorded. Okay, good Why don't you sit in the sun I Was I recorded mermaids and I watched that I hadn't seen that movie in a really long time And what a great vintage set they built on that movie that vintage set was Boy, no, I love everything vintage train And then The news came on I was like, I don't want to watch this and I only have a little time to myself left because the grandpa's Picking up all over in my home. So I thought I would pop on and see if any of my pals were out here Okay, good, honey, I didn't want you to I used to do them and then There was one before you came along Hi there Hi, Mariah, there was one and I just thought why am I doing this but You know, everybody's different. That's just me. I don't know And then recently there was one that was super serious and it bummed me out And I think that's when I made the decision There was one that was one that was really serious and one that was just stupid In my opinion, does my opinion matter? No, zero What are you guys doing? Is it nice down there, Mary? It's beautiful up here, man I haven't been outside all day Was it deep carry? Oh, no, I'm gonna have to look at it and see what it involves I absolutely will check it out when I get back If you guys want to know my favorite color just ask, I'll tell you Yeah Mary says it went grocery and supply shopping for two. The senior Cedars and friends awesome Their lists were long and you got everything. Yay. Oh good job friend. Good job Okay, so I decided to come live. We got a helicopter and we got trains Everything that's awesome Uh, Steve is picking up Oliver on his way home from work And then we go nowhere Steve's gonna do all this. They're a huge spider web right in front of me that I didn't see when I sat down Uh, he's gonna come home. I miss him. I'm ready for him to come home. I'm kind of excited, but I'm also kind of anxious Isn't that an odd emotion to have when your kids coming home? Maybe I'm worried about keeping him busy, but he has a zoom on school now He's been doing a zoom at his other grandma's house. So we'll see how it goes He's gonna have to take some bike rides with his little nanograms Shoot Harry if I had my phone I'd look it up, but I left it in the house I'm trying to find movies to watch that. Um I am not an action adventure Gal I'm not a sci-fi gal I like, uh Comedy romantic. Hi, Hope. How are you doing today? It's so funny earlier today I was instagramming with michelle at michelle on instagram. What's her? What's her name on instagram? She's a leader.  What's michelle's name on instagram? I know everybody by their name It's not their instagram Is it anyways? It was so funny because she said something and then she goes, okay, sorry to bother you And I thought for a minute and then I messaged her back. I'm like, why do we keep apologizing for bothering each other because Nobody's doing anything. It's like we're almost running out of things to even talk about It's like Nobody's bothering anybody. I don't think right Hope floats. We just watched. Um, Hope floats recently. Good one. Hope sweet home alabama. Sweet home alabama How you seeing sweet home alabama? We don't have netflix jessica Hi debra Oh, it's six o'clock for you guys back east, isn't it? It's only three here Steven or i'll be all of ruby. I'm about half an hour back on track getting ready for my walk I should take a walk. I haven't done anything today. Okay, here is Who wants to bet how many steps I have today I don't like drama and suspense mariah. I just like happy go lucky. I like drama and suspense in musicals Because like I'll never ever as long as I forget the first time I watched a west side story Because my mom made sure we saw all the musicals when we were kids And I remember the first time I saw it was on tv and She made it very clear to us because we were little. I don't know what year it came out. Anyways, she says In this movie, they aren't fighting. They're dancing when you see them out on the playground and they're rumbling and all this They're dancing. They're not fighting so I can handle musicals Isn't it funny to things? Okay, kerry's going with 1200 steps Okay So, um Yeah Mary's got 2300 steps Free show time on cable. Oh, thanks Deborah. I'll check that out Steve and I are completely different animals when it comes to movies. So we end up in we start off We probably me and we start off together and then we end up in different rooms Oh, excuse me. I'm anxious. Cindy is the closest so far with 1500 steps.  What are you guys all doing to stay busy besides what us weight watchers are doing? walking And those of you are exercising. What are you guys doing out there to stay busy? I'm just like Today the boredom hit today like as everybody's like so bored Today I'm bored Okay, I'll check it out. Thank you so much. I gotta remember that when we get off of here though because yesterday When I came on live, I was supposed to remember something. I forgot jessica So far jessica is the closest with 700 steps Oh, and it's a beautiful day. I don't know why I didn't get out there kerry did a Full clean out of both guest room closets good for you To the 19th right on that's good to know. Sorry if you itching my nose you guys it's Cindy's still working from home and walking. So how does that feel to be working from home? Cindy I've never had a kind of job that I could work from home. So I don't know how that feels for you guys I have not seen mama mia because is now Correct me if I'm wrong Is mama mia all abba music Because that therein lies the problem for me I have picky you guys have probably said they're like Jesus Lou man She's picky, but you know what the thing is Tuesday. I just I'm not a big movie person I like my musicals though. I will watch a musical over and over. I have the king and I saved Whatever I don't have on dvd Well, then I can't watch it Sorry mariah. I appreciate Do you want to give me a virtual slap across the vase? Oh, just can't listen to abba. I just can't Mary mopped every inch of her house and turned into the no shoes in the house place. Good for you I wish I could do that.  He what he does is he works on mac mansions He works on the building phases of homes down By the beach and stuff.  No, it never works. He comes through the whole house and Cindy you are you're lucky to be able to work from home. That's awesome I know I know carry Abba isn't in my my music group Isn't that I know I just I There's if you guys pay attention. There's a definite kind of music The just like my flying Jessica, what do you do for a living? Boss about it.  I'm sadly still working at work. I take it my friend But I'm about to have a talk with my boss about it. We build RVs. That is not essential. That is not essential I hope it never is essential. I I only think of mad max where we're trying to get out of town on RV I don't know the things that have been going through my head lately are not healthy But I did oh, okay, so here's my yesterday boring yesterday story Okay, so I went to mon's because I promised I wasn't going to go anywhere, right? Remember that whole conversation. Neeta's not going anywhere Well, good luck with that. But please let me know. I have what works out for you because I don't think it's essential Um, let me see what Mary says Mary and Nate.  I'm so worried about him being out of front and center.  We don't know what to believe but wait, let me tell you my my really boring yesterday story So I went to Vaughn's to get Something I'm sure I didn't need because we didn't need anything Oh, and I was going to get some ice water and I'm walking through and there's this gal opening She's all by herself. There was nobody in the store And she's opening a box and there's a big box of paper towels next to her Okay now.  It's the gardener I can't continue with that nonsense. Should I try to go in the house? What do you guys think? Should I go in the house or should we just try another time? Son of a gun I think maybe it's a sign. You know how I am about signs first. We had the Train and we had the helicopter and now we have that. I know but it's annoying.  Let's see if we can do this Hold the line planes All right. Oh, I gotta get my fruit bowl. Let me I can take this opportunity You guys this fruit bowl was the best investment I ever made because every time I'm talking to you you're sitting on top of it Hang on Except all my poor bananas Okay, let me get all right. We might just make this work. Close this door I need to clean my kitchen. I haven't done anything today. Oh, we just added to the steps list It's gone up. My steps have gone up Okay. Oh, she did Deborah. That's the best one. It was on the other night Oh, I watched it the other night. It's so fantastic um, okay So I went to the store this gal was opening a box and next door is a box paper towels And I saw the paper towels and I didn't get any because I didn't know if we needed any because Steve does all the shopping There you are So I looked in the aisle and there were no paper products and I said, oh, so just paper towels had no toilet paper She goes, well, I'm actually I'm opening a box of toilet paper right now and I said, oh May I have one?  She pulled one out. It was one of the big huge ones like 25 000 rolls, right? I said thanks so much goes That's all you want. I said, yeah, she was that's it. I said, yeah, she's like, thank you so much I think she thought I was gonna ask her if I could just buy the whole box or something So, okay So I'm so excited to tell Steve that I found toilet paper I set it right on his workbench so that when he pulled the truck into the garage That would be the first thing that he would see the wife got some toilet paper. Isn't she wonderful? I love her so much.  I go, yeah, because I was so very Proud of myself and he goes, well, did you get paper towels too? Gosh, really? Did you just say that? No, I was so excited and he just totally yucked my um He hurt my itty-bitty feeling Hi Barbara On his workbench like he would have thought it was a trophy or something I was waiting for him to just be so pleased with me and give me big hugs and kisses and oh Did you get paper towels too? What I should have done was gone today and just like spent every last penny in our bank account on paper towels That would have shown him, right? That's the bummer of this part of our house is all windows Hey sue good question My water is actually over there because I have a red bowl right now Because I'm bored so I thought maybe if I drink some red bull that would Look at this thing. I'm you know what? What is going on with my skin? I just don't understand it That's why I haven't put on any makeup when I do my videos you guys because I don't know what's going on Barbara, what have you been doing today? Did you paint anything today? I was telling everybody all of us coming home today and I'm kind of anxious Carrie's got her water. Good job Me? No, I don't I brushed my teeth. I brushed my hair And I put on my clothes from yesterday, but I got dressed. Hey, that's there's something to be said by that, right? I am on Point with my program today. Oh you did on facebook. I haven't been on I've been watching.  In fact, I need to throw all of oliver's clothes in the washing machine But I'd rather sit here and talk to you guys for a few minutes um Oh, I had a thought oh program. So I have been quite Sorry, sorry guys. Sorry. Sorry. Sorry See it through my peripheral Peripheral I could never say peripheral Let's say it all together peripheral peripheral vision um So I'm on point with my my eating today. I've been on point See, I like the taco soup when it's made is chili I don't use any of the broth when it's when I can eat it with the fork. I like it Hey, I made steve a meatloaf last last night. I have I'm like a marionette that can't talk I uh one of my favorite youtube channels is a disney couple who obviously can't go to disneyland right now And she's a really terrific little cook and she made a meatloaf yesterday And I just happened to be making a meatloaf when she does it completely different And I did hers it involved zero red sauce of any kind Steve went ape crap over it He loved it. He I mean he loved it so much. I'm like I thought at first Maybe he was trying to make up for the toilet paper thing Ha ha ha thought he was trying to make amends, but he's like, you know, pack this for me in my lunch tomorrow He loved it. He just loved it and it was so simple And you guys probably have all been making it that way and I've just I just missed that boat because I you always make our mom's foods, right? And this is how my mom did it Made barbecue pulled pork In the instant pot that sounds good. Hello bonita Uh, I don't have anything ready for tonight. Um, maybe that's why I'm anxious red bull getting ready for all of her He's gonna be he's gonna look so huge when he gets here He's gonna just look humongous Oh my gosh, because he looked humongous when he left What was I gonna tell you guys I got off track weird cravings today that I don't normally have um Like for instance, I want I want a hearty healthy meal like something like I don't gonna I'm not gonna He will have stories to tell I hope so I'm not gonna name any foods because for me that's a trigger And you guys when I say that I mean it with my whole heart. I cannot talk about food Especially right now at this time Because it's like it would be so easy to go. Oh, this is kind of a sucky time of life You know, let's have that food whatever it is. I'm trying to move this. I don't have to look at that dumb door I mean issues today aren't I? There's my water. I got my water um I admire you guys who can sit and literally talk about food Food food food or listen to somebody else talk about food And it doesn't make you overeat or eat things that don't benefit us to eat on the w w plan We seem to be terrified of running out of food. We like You know Barbara It's the effect it's having. I mean I want to have I feel like this whole thing gives me an excuse and out if you will To have something that I don't normally have um, and I've got tons of stuff in my head right now Hope is going to say I won't tell you what I finished then last night. Don't be telling your pal I'll need it if it's gonna hurt me You know what though if you don't if I don't have it in the house.  Hope was that what you finished See now that's that's okay for me to hear because I don't know what it is I don't know what it tastes like so I can't relate to it But um, what was that? I was before the meatloaf. I had I had big news. Hi, louise. How you doing today? We're all just sitting around bored Bored bored bored. Maybe I should speak for myself, huh? Hi Cheryl I'm so glad you guys pop in to say hi if anybody too bad. There's like like some kind of game we could play online Why we're all here, right? Uh She ate the rest of the pan Do you know how many points it was? Hope. I mean just out of curiosity. Did you track it or was it just like I don't care I am craving foods that I normally don't eat which is really strange. Um I don't eat See, I don't want to say anything like let's just say on a whole. I don't eat pasta. We're not a big pasta eating family Steven all over like it. I'm not a big pasta fan 100 points Well, there you go. It was probably worth every bite too, right? Was it super good? Steve how it hid the cookies But the things that have been going through my mind today Um Have been foods that I don't normally eat. I haven't I didn't walk today That that's why I'm anxious See, that's why I have you guys here to point out the obvious that I just kind of forget and ignore I still can I still have hours and hours of daylight, but I want to see Oliver when he gets home But you know what? I am pretty anxious. I might have to go for a walk. Maybe he'll go with me. I doubt it though Okay, so right now, um Jessica is winning with the Count of seven hundred steps that I have today. So if anybody wants to be Jessica Has anybody like just I'm curious Has anybody just thrown the whole? Um program I I'm sorry for saying I'm a lot It's annoying when people do that Yes, Jessica pictures do to me too That's another reason I haven't been on facebook. Um, because people who are new and it's totally understandable. I'm not like being mean And they don't realize that yet and they're posting pictures of this and that and funny memes and How can we turn this Reese's pieces into cauliflower? Oh It's not funny I've seen it 450 million times. I don't want to say anymore and it does trigger me it does and and some there's like three things Then if I walk into a store, I'm I'm and I could care less mood I'll grab it but have any of you guys just decided not to worry about the program until Life is normal again, or is everybody pretty much just uh Oh lord this thing needs cleaning. Oh my gosh That's embarrassing Mariah has been trying to stay trying to track but have also been stressed eating like crazy every day I say I'm getting back on track Tomorrow's another day, right honey.  I'm gonna tell you something that I've told people in my past videos I keep all my vitamins on the sink As opposed to in the cupboard And what I do is when I get a sweet tooth, that's when I take my vitamins my probiotics are frosted It does totally does the trick. It's one of those things I figured out early and Barbara says we're pretty much eating the same. Okay, cool Cindy's determined to reach her goal good for you and you will you totally will Let's see. Hope says I used to be so faithful to the program and now I am way select It makes me unhappy since I have lost 62 pounds Hope um I don't know we're all different. What would make you feel better? Um, you're not alone my friend. You're not alone. I am the most dedicated Weight watcher you'll ever meet and anybody who's watched me for any amount of time A little vouch for that But right now I do excellent and I know most people have most their trouble at in the evening and that's when it's getting me too and it's because I'm having that drink. I'm having a glass of wine or two and then it's like I don't care I'm just gonna eat these cookies. Who knows how long I'm gonna be stuck in this house I'll get it off when I get out of this house and I have to stop doing that And Cindy you will get to your goal Carrie says a little bit of both tracking and not tracking. Yes, so give it a try put your vitamins out there And just have them right there Don't take them first thing in the morning your chewables and then when you feel Hmm a little sweet would be good right now.  It works beautifully Hi Nancy She has two whammies stay. Okay. Let's say hi I have two whammies staying in and I'm recovering from foot surgery and have gained back a bit But I am conscious of points It's hard to prep and keep track for me. Okay. Well all valid very valid Things here's the thing Nancy keep to keep in mind I'm gonna venture a guess that more of us than not will gain some of our weight back hopefully not copious amounts But we got it off once we can get it off again and for those of us like I'm up about five I'm up five pounds from Hey, I have an answer sue for that. Hold on a second um Mariah, I would be fine if I didn't have any wine. It's then it's the wine reckless thinking, you know, so Oh, Nancy. Okay Um Nancy you got it off before give you know, I know it's I know I get tired of the you know, give yourself grace, you know We we we have the same all we hear the same things over and over again, don't we? We read the same things over and over again, and I guess that's for a reason I guess it's stuff that we need to pay attention to you're in a really crummy position Oh And now this guy's moved over Oh, somebody doesn't want me to help Anybody on their weight watch journey right now Um, let me show you something and I don't get anything for this. They just they sent me Some stuff to try And I'll show you I don't even know how much they cost or anything because they just sent it to me Now this one Is chocolate and almonds. Let me show you how big it is. I'll open it up This is five smart points and look how big it is What can I show in comparison to for scale? Look how big that is I have had one Very good. This one is dark chocolate. We'll set that aside We'll let Oliver have it when he gets home And then there's these ones. These are just little milk chocolates and they're like the size of cura deli Um, I got to see what Mary's deluding with water. These are this size This is milk chocolate. They're both sugar-free. This is two smart points Again, I don't know the prices. I guess I should look them up. I'm And you know what?  Enjoy it. Do it do it do it And then be done with it. Hope I didn't trick or trigger anybody by showing those to you guys because I totally don't want to do that I want to help So bad I can't tell you guys how much I want to help. I want to have the right words Let me go back and see. Hope says your videos help me when I see your notifications. Thank you Thank you for telling me that because I want to help And I don't want to be a broken record. I don't want to repeat things I've said a million times in the past or what other people are telling you in other places I like to try to come up with new thoughts and new ideas and Hope when this whole thing is over I'll get on you you get on me and uh, I'm not going to jump anybody while this is happening Mary says my throat started to feel a tad bit scratchy last week So I took a teaspoon of Bragg's apple cider vinegar took away the scratchiness and curbed my appetite Hey there Hi, Jill. Hey, Mary. I wonder if um They have the gummies too now. I wonder if that would have the same effect Let's see patty says salty crunchy gets her in trouble Uh, Barbara says apple cider vinegar is so good for you. I didn't I don't know I've heard it But I don't know anything about it. Hope I'm only here to maintain right now myself my friend Uh Okay, that's so good to know. Oh Louise. I'm glad you like them because I sit here and I'm like I really want to go chat with my friends, but they have to be so sick of me right now But then I remember it's not just me. It's all of us. Unfortunately. We can't hear each other and that'd be so much better Jill says I've been on track and lost three town Three pounds while recovering good for you. Chill everybody take a drink. Here's to Jill That's fabulous We're not patient with ourselves patty. We're not patient at all. Hi Anna She was wiping down all her groceries then putting them away and then cleaning myself. Oh every time My friend Cindy and I were talking about that yesterday She tried to dilute the acv but still can't Sue if you know how to crochet, oh man, if I know how to crochet if I know how to do anything I would be doing it Oh, I don't know how to do anything Well, we need to get word out and see if anybody knows about the gummies Mary. Oh salad dressing.   Thank you for letting me know Thank I want to talk about something that's helpful, you know, I keep repeating myself But food why does so much of our life have to revolve around food? But hey, at least nobody has to worry about overeating at Easter, right? Oh my gosh, I wish I knew how to but it was funny because um Not my daughter, but my daughter's best friend.  And I said in theory, it's a great idea. But with my hands, I would never be able to hold the needles I know Barbara. I'm trying to give you the upswing on it I need repeating is almost I think we just all did I am a chronic tracker Chronic tracker and that's the only reason I haven't gained all my weight weight back yet Um, I hope so. I hope so. Hello Teresa Anybody's a fresh air from the news, right? video conference Easter dinner Now getting to get getting together with your family over Easter Through the video machines as we call them. I think it's an excellent idea Everybody make their own little meal at home and still have that time together in this time of technology We need to take advantage of it. If you want a low point treat. She's on purple. She gets a hundred percent Chocolate baking squares. They break off when I have that shredded in my oatmeal on a banana. Good two points It does help Patty. It helps so much Especially when when you're a social being like me hope I have a psoriatic arthritis So not only my criss with the arthritis, but actually my hands are doing really well right now normally though I have cuts and psoriasis But super bad like I get you can probably see the residuals of all the cuts and stuff I get on my hands So I can't hold anything. I'm constantly dropping things anything that needs to be picked up off of a shelf They do though, don't they Barbara? I wonder what I am not having right now Who knows but then my face is in horrible But I'm thankful when they are feeling good. I'm super thankful for that I could use you know, I have a new lotion. I wonder if that I could speculate till the cows come home Oh my gosh My cousin holds this Easter party and I just realized we won't be having it this year It is the most Fantastic thing if any of you guys have been with me for any amount of time. I think I showed it on last year's video She lives in a cul-de-sac and at the end of her cul-de-sac is a public park And everybody but I mean everybody in the family and all her friends and all their kids we go there and is the most Spectacular Easter party in the world every year it gets bigger and bigger word gets out I mean people literally have to park streets away And um, it's been wonderful for all of her they they have these things where they Well, I'm not going to food. I'm not going to talk about food But they have many other games like the the egg toss like it used to only just be a couple of us With the raw eggs and your partner and you start just this far apart When you move this far apart and this far apart you're tossing the egg back and forth and whoever's left standing without Broken eggs all over so much fun It's just like the best time ever she puts on the best party So I just thought about that. We're not going to be having our party this year Maybe netflix would help. I can't get the old boy to put the money down for netflix. He won't do it Um, I've brought it up several times since we've been home And he's he's not biting And I have no means to get it because you probably have to have a credit card And I don't have a credit card And it says has anyone seen the 10 extra points you get for tracking breakfast every day What? Wait has anybody seen 10 extra points? It's short changing me I track everything every day and it says I've only tracked two days Oh, my friend. I cannot I don't know what you're talking about You mean the 10 extra wellness points?  Can I go would you guys mind if I grab my phone? Oh, you guys don't know how much I love you guys. I do. I love you with all my heart and soul You're so fabulous. I'm gonna have to get used to you all being gone when this thing is over Living your lives Okay, so I did uh, I have tracked and um The only thing I remember it's seeing is is like gave a congratulations. You've tracked three days in a row or something But I don't know I'm sorry Anna. I wish I was of more help Does anybody else the egg toss is fun hope and it's a huge huge we do we actually do about four of them because like One of the kids like Oliver likes to do it grandpa never likes to do it grandpa You know switch around so much fun So much fun everybody screaming and yelling and hey, that's a social just disneying game we can play Ha ha ha six feet over there. I'll be over here. Let's toss raw eggs at each other until they break Mary says I saw an idea about a visual Easter egg hunt where people draw a large egg on paper tape it in your window Then parents can drive their kids through the neighborhood visually collecting. That's a cute idea Anna says it's never given me three. I track every day. I wish we could all see each other and talk I wish we could too When you record your weight you get 50 See, I don't use my I've used my wellness wins and I've only gotten one thing that I really cared for everything else was Not my thing. So but but if it's encouraging don't be negative nita. I'm sorry. I apologize for that Thank you, Cindy. Cause so will I Patty says and it is as I understand it check the total before you track It doesn't add to your daily ones, but to the total patty is the wealth of knowledge you guys when it comes to everything Again, I'm going to tell you guys every day. She said instagram She's going to put her name down here for you guys to go check out because She just she knows everything. She's just a small lady See, I don't I kind of just don't follow the wins thing. The tracking is all for me and let me show you guys I have all blue dots The one day I didn't have blue dots interestingly enough the one day I didn't have blue dots is because I didn't eat enough We could play trivia. I could ask I could get them ahead of time. That's a great idea Pat, you know what are all you guys on instagram are only over here That would be great hope because okay, I've gotten and I'm I'm repeating myself, but what the heck else do we have to talk about right you guys? Oh my gosh, you guys are so good for my soul. You have no idea Um, I got a water container that has already been given to the Goodwill I've gotten two hats They're okay. I think they're just pretty flimsy. I love ww. Um, but I did get a good cookbook What else did I get and then there's just oh, I know what I wanted I wanted to get some snacks, right? So I put all the snacks in my cart And then they would they needed a credit card number now Why in the heck would they need a credit card number if I'm winning the snacks? I was so annoyed. I don't have a credit card So, I don't know. Okay, so let's see Mariah's on insta Sue's just here and it says okay patty I will check the total, but it doesn't light up Each of the three days, you know, and I also you could always call the Look at me. I'm trying to be needed positive Um, but there's some things about ww that get me frustrated like the live chat option One time when I first joined wake watchers when it was wake watchers I had a problem. I don't remember what it was and I called the lady on live chat I chatted online with her. She didn't have a clue I finally figured it out myself. Oh my Fitbit wants me to walk. It's not happy with the amount of steps See patty knows everything Easter in June Oh, yo ho steves on the phone. Hold the line. Shh everybody be quiet I don't want him to know that I'm having a party while he's at work. Okay Hello god, I was so busy. I have so much to do here No, it's that's just a huge lie. I'm talking with my friends online.  I'm seeing how how large I can get it see how long I can sit on it Okay So if you do mind can you still grab him for me? I'm sorry. I forgot I was supposed to call and remind him to get all over and I forgot That's what I do to hope Start a youtube channel if you're if you like to talk a youtube channel is the funnest thing to do But you have to be able to talk I'm trying to think, you know and also I hope if you do start a youtube channel, let me give you a little bit of advice I find That positivity no matter what is going on What's the old saying you're gonna catch more flies with honey? Thanks, Mary. He doesn't think I'm so cute sometimes Ding dang all the but that you oh, so here's something so funny. It's not so funny But I just got to talk. He's always sneaking up on me in this house. You guys see how quiet he is. Okay We all know how quiet Steve is the whole world So I'm alone all day long and then when he comes in and out of the house All of a sudden he'll be behind me and I'll go You know, and I'll be screaming. He's like god, honey. Why do you do that? I'm like because you scared me, right? constant constant The other day I went to throw the trash out.   I felt so vindicated Let's see. And it says I hope I do too. I wanted to rent the runaway But they didn't rent I wanted the rent the runaway, but they didn't renew that and then this mess happened. I wanted to start a channel so bad I can't do to my job Yes, please. I'm jumpy like a barber. I'm always but he's always Sneaking up on me. He's like, well, this is my house too. And I'm like just you know When you're used to being home alone for hour after hour for I do too So he he got mad. He said you scared me to death and I'm like Sorry Good night, sue. Have a great night. Love you too friend. Thanks for popping in and joining the nothing club Let's talk about nothing, you know what I should probably go and Look like I've done something before he gets home. That's why I'm anxious because I always get anxious I gotta put these candies away When when I sit and tell him at the end of every day Do you think I sit around and eat bonbons all day?  They can't take any of it Oh sue. We would never talk about you. Did you guys hear about sue? All right, so he's about 20 minutes out maybe 30 minutes out Oh boy, Oliver's coming home Signed fellow is a successful show about nothing That's a lovely thought That makes me feel better Signed failed and friends are two shows I'd never watched if I'm just not a big viewer. Am I isn't that odd? Why am I not a big viewer? I know one I can tell you guys one thing why I don't why one reason I'm not a big movie watcher And this will make sense Is growing up with my dad When we would watch movies He not not to be a jerk or anything But he would point out everything that was wrong with the movie visually like if the camera angle was wrong or the lighting or everything So then we would grow up and know what to look for so as I watch these movies. I'm in my head I'm like picking them apart Would you guys all be interested in a zoom walk someday? I would I mentioned it the other day But I'm I'm I don't know how to do it I was gonna ask patty to check it out for us But I'm always asking patty to do everything for me Oh hope it's not clean. I just put you guys in the right spot You can't see what's really going on I think zoom would be fun. I don't have the brain skills Bingo that is such a fun idea. I wish I knew how to do it Patty are you still here? Yeah, Barbara. It's just like you know, I can tell um When somebody's not on their mark or somebody's I it's just I just am picking the whole thing apart Mary that does sound like fun My friend Cindy who lives in Texas. She they did one of those car parades last night I guess one of the kids in her neighborhood. Maybe two of them had a birthday and they had a car parade and people drove by and honked and Patty must have split Well, if anybody does a zoom thing, uh, and you're not talking about food, invite me I'm sorry. I hope that that's not hurting anybody that may need to talk about food Right, Mary. I'm sure Exactly just like my mom can't watch anything medical because she's she's a nurse Oh patty is here. She can she'll just let me know. I can just let me know So what do you think guys? What kind of plan should we try to make patty? How do you how should we try to do this? um It's so hard to figure out what a good time is for everybody And how we should do it Yes She's gonna she probably regrets the day that we ever became friends because every time I have a problem with anything Go to patty My girlfriend is setting it up. She's good like that me.  You just set it up get a link and then tell everybody like like if I made a community post on here Come to this link at such a such a time I do zoom walk Anna only because um I don't want people looking at their devices and walking at the same time because somebody's gonna trip and fall and I I that'll be me No, but I really I that would be Oh, no right here Barbara see it's another sign So what do you guys say if if if I can talk patty into sitting up the zoom And I put a community post anybody who's still here It's the timing is what I want to get right because it's so hard for everybody um I guess we'll just have to take a chance Is any you know what Barbara did that shows that there's 15 folks here If anybody wants to hit thumbs up button, I'll take it, but if you don't and you can't It's no big whip either Um, no, I enjoy you're you're a chump patty. I just love you. You're the best I I don't have any patience zoom would be wild. We would talk over top you talk over Well, but I think whoever is in charge of it Like at our meetings can mute everybody can have everybody unmute till somebody raises their hand and then they can have the floor And then we could try it right We could give it a give it the old college try True Anna, but I but the whole fun of the zoom though is I think I would love to see everybody and see you guys Why you're talking I never get to see anybody so if we're we're gonna do it I want to be able to see your guys's beautiful faces So, okay, so there you just I know I took the long way around didn't I so yes You can keep walking, but I'm not I'm a little slow sometimes You downloaded I'm just we all got zoom downloaded already. Okay dirt. See you guys. I'm so slow Patty, I wish we could do the half and half thing like we can on instagram here We can do it on instagram and talk about it Um, all right, I'll tell you guys what Mary you're just so lovely. You're all so lovely. Thank you hope You know what you guys are just the best to keep my heart afloat It would be neat to see each other. Oh my gosh. Yes after so many years for some of us and months and whatever So here's what we'll do. Patty and I will try to make a plan um Probably not tonight because Oliver is going to come home and I'm going to want to see him And then I'm excited right now. I'm like almost on the verge of tears because I'm so excited to do this with you guys Joanie I I'm so excited to do this with you guys Everybody tell patty where you're from when I sit here and try to fight my tears because you guys are just so so nice and so You always make me feel so much better Joanie, I'm happy I'm very happy I'm just always touched by you guys and how nice you are All right patty. Are you taking notes? Do you want me to take we need to figure out how many California california We would talk over each other, but it's fun. It wouldn't be any different than if we were all walking together And you need a you could still see us, but just turn yours off But not solve the look walk that would not solve the look walk Oh, Anna you're in Utah. So you're in I think in the same All we need is create a link for the invite Okay, so patty if we meaning you Oh, it's so good. I had myself to entertain right if we get a link created and then I we Pick a time and then I can make a community post here on youtube Um, yeah, Mary's out here with me. Mary today. We can't meet for lunch or something, but we can't we're not even allowed We can't do that. Never mind Joni's hearts is in in new york. Joni. Do you have family in new york right now or at all?  So that's what we'll do. We'll see if we can get a link and then I'll put a community post here anybody who's Subscribed to me We'll see any of my community posts. I believe I don't think you have to be on any certain like ipad or I am too. Mary. Oh my gosh. I just treasure you guys I you know sometimes and here let's let's let's play the honest card Nina Sometimes I feel bad because I'm not as big of a youtuber as some of my pals So sometimes I think why am I doing wrong? That my pals are doing that they have such huge numbers You know what I there's I'm missing something and when it when it comes to my ww community I'm not I'm missing something And then I I'm humbled by you guys like right now to remind me of why do I care about that? Why do I even care when I have You lovely ladies that are here for me all the time. They're a great Joni We were just talking about that a little while ago. They're really really great. Thank you so much for asking Steve actually holds my hands every now and time every now and then now Oh mariah, thank you. I just want to be helpful. I do Probably this time of day since everyone is here now Okay What day is it? For sure mary. Absolutely. Absolutely. I look forward to it. That'll be really fun Where should we eat?  Okay, jessica. That's good to know. Do you see that patty? Awesome jessica has been a co-host. She knows how to mute menu. So Okay, okay. So that's what we'll do Keep your bat channel tuned here And we'll see you kids soon for those of you who sat around and talked about nothing. Thank you hugs right back to you I am a hugger. So if you were here, I would be hugging you if it weren't illegal All right kids, we're gonna get it together. It'll be fun. Love you all. Thanks for getting me off the couch and over into the chair Okay, I gotta go. Love you Hugs to you, Jill. I'm so glad you're moving. All right kids. See you soon and we're gonna do this. Thank you patty. Love you