In the interest of time, we included the speaker bios in the chat for your review at your leisure.  I think it would be pleasantly surprised. Let me see. Let me get, let's get this. We'll start sharing here. Can you all see the, the, the, um, flat shell? Yes, may I call in also so we don't get background noise outside. Sure. Thank you. Well, all right, all well, beaming out of the great state of Georgia. Welcome and thank you for joining the webinar series connecting states, financial, economic and digital inclusion initiatives. My name is Terry Lee and I'm a community fair specialist for the federal deposit insurance corporation located in Atlanta, Georgia. Since we have such a diverse group today, let me briefly mention that FDIC is an independent agency created by Congress to maintain stability and public confidence in the nation's financial system to accomplish this mission. The FDIC ensures deposits, examines and supervises financial institutions for safety and soundness and consumer protection makes large and complex financial institutions, resolvable and manages receiverships. In our 1st webinar challenges of systemic inclusion, unpacking silo conversations for greater collaboration. We have assembled an esteem cast of thought leaders, innovators and super collaborators. As we move through this webinar series, you will find the same caliber of individuals throughout, which is quite impressive. Here's the webinar series lineup that will guide us over the next couple of months as we highlight and uncover systemic approaches to assist states, digital equity planning leaders, connect and collaborate with local, state and national financial and economic inclusion leaders. Here's a snapshot of this afternoon's agenda. As you can see, we have executive director Bob McLaughlin with us, telecommunications policy analyst, Francine Oxelwani, director Patrick Iolts, executive director Marquita Robinson, executive director Geer Hanley and East region executive for community engagement, Michelle Henry and also Michelle Chandra. Also, I would be remiss if I didn't mention Bola Delano with Bank on Illinois, who was scheduled to participate, but the universe had other plans. And so, you know, here's to her health and being on the mend. As you may have noticed, we are not here for a long time, but we are here for a meaningful time together with other like minded folks such as yourself running on the call. So to help frame our panelists as comments, our presenters were asked to share from their vantage point. Promising an impact impactful inclusion resources, how their efforts stand ready to support those addressing other inclusion dimensions, how addressing those dimensions. Excuse me, how addressing those other inclusion dimensions can help enhance their desired outcomes. And of course, this notion of systemic inclusion, financial, economic, education and digital. So, the views expressed in this presentation are the presenters and do not necessarily represent the views of the federal deposit insurance corporation. So, having said that, now I feel a little liberated. So, just a, you know, just a quick comment before I get out of the way back in March of 2020 at the beginning of the pandemic, the digital divide was top of mind for many experience and equities. Which landed the hardest on our low and moderate underserved and rural communities. My esteemed co-host Bob Loughlin and I put together a webinar series to address the shortcomings of the digital divide highlighted by the pandemic. So fast forward to today, many are still working towards removing digital divide barriers. However, this time feels different. Different in a sense that all of our efforts will be enhanced as we move quickly to orientate and assemble those of you listening in. We have a real opportunity in front of us, but it's going to take courage. So, let me end on this. So, if you look up the Webster's definition of courage, it states a mental or moral strength to venture, persevere and withstand danger, fear and difficulty. So, as we present and we've these inclusion dimensions together, find the courage to make connections, find the courage to participate in a meaningful way and find the courage to share your voice. So, thank you. And with that, I'll turn it over to my co-host Bob Loughlin. Yes, I sure am. Thank you, Terry. And I really, first off, want to thank you, Terry for co-conspiring on this and for your colleagues at FDIC making this sustained conversation possible. This is, as I think we'll all experience today, the start of a really significant conversation. And thanks to all those joining this, this community of folks who really agree, the basic premise of the whole series is that we need folks in different dimensions of inclusion to help those in intergenerational poverty build a full staircase with every important step all the way so that they can climb out of intergenerational poverty. That's really the aim of this and the moment, the historic moment that we're taking advantage of is thanks to the National Digital Inclusion Alliance and members of Congress on both sides of the aisle and in both chambers who crafted Title III of the Infrastructure Bill, also known as the Digital Equity Act, which is really rather brilliant and it provides an opportunity over the next five years, as you'll see in that first bullet point, it provides substantial funding for states to do digital equity planning, not for its own sake, but in support of economic opportunity, economic inclusion. And it's really that brilliant frame that is about saying, well, digital divide barriers are important. And if we waved a magic wand, we made all those barriers go away, but we do nothing about poverty. We really haven't, we really haven't taken advantage of the opportunity and the need. And so the Digital Equity Act allows for, but doesn't require us to work across different inclusion dimensions to work more systemically together. And that's really the aim, the diabolical Dr. Evil plan here is that over the next several webinars and a gathering in Atlanta next March is to bring together state leaders across five dimensions. And you'll see that on the right hand column of that, of this slide, you'll see systemic inclusion with four of them. Not to say these are the only ones that matter because there's housing and transportation access to food and nutrition and so on. But these are four that we certainly want to bring experts in inclusion from the state, local and national levels together to take advantage of the digital equity planning process and implementation over the next five years. To really span the experts in financial inclusion, getting people banked, making sure they're financially literate, coupling that with pathways to living wage jobs, which is also known as economic inclusion. So they have a living wage to be financially literate about and put in their bank account and similarly that they have educational inclusion supports. So they have the sustained learning opportunities to develop the skills, dispositions and credentials to help them land that living wage job and last and not least, removing digital divide barriers to all of that. So that's the frame that's informed our reaching out and with your help, we hope to continue reaching out to become more and more inclusive. The fifth and final dimension of this, which is, we would submit to you as a panel really arguably the most important of all, which is those that lead organizations that represent the underrepresented and underserved. So that they have voice and agency and our bias about this is that those are most expert about poverty are those that speak it fluently. Those that live it and who know what it's about, who know what's what's involved in, in trying to navigate one's way through it and how one legged stools just don't, they don't cut it. So the idea here is that we are looking to with the blessing of NTIA in the US Department of Congress and you'll hear from Angela Bennett, who's program officer for the digital equity office at NTIA at the next panel about this. Affirming this, she and we are really excited to see states develop digital equity plans that draw together experts from these different inclusion dimensions and give voice and agency for the underrepresented from need, sensing to priority setting to formative assessment of how are we doing in implementing over the next four and a half years to impact on intergenerational poverty and how are we holding ourselves accountable. So that's the frame for this. And that's why the, this panel has come together to share our insights about from different vantage points in different dimensions of inclusion. What would we like to see happen? So Terry, shall we? So Francine, should we, should we pivot to Francine Terry? Yes, Francine, are you there? Okay Francine's audio is not working, but she can speak out Francine when ready for you to go. I got you Francine. I got you. Are you getting echo? No, you're good. Let me, I think I hear an echo. So let me stop. Am I on now? I'm a bit of a digital illiterate. So I think you can hear me, right? Yes. Thank you. I truly appreciate that. I want to say good afternoon to my fellow panelists, to those of you who've joined us and a great thank you to Robert and Terry for inviting me to participate in this wonderful event and discussion today. I want to say, first of all, that there was another brilliant stroke on the part of Congress and that was to create the office of minority broadband initiatives within NTIA. I think it is a rare occurrence, probably none other like it across the federal government. And it puts us right in the middle of communities, right in the middle of what we want to talk about. Our office of minority broadband initiatives, which we refer to as OMBI was authorized by section 902 of the Consolidated Appropriations Act of 2021. So it precedes this IJA and this whole rash of building out broadband across America. And it was created to engage historically black colleges, tribal colleges and universities and minority serving institutions to expand broadband access, digital inclusion and equity and leveraging the roles of those anchor institutions. As hubs for innovation and economic opportunities in their anchor communities, in their surrounding communities. So I want to say quickly, how the legislation defined anchor communities, it may sound a little restrictive to you, but it's a start and it actually goes beyond that. But anchor communities, according to the legislation, means any area that is not more than 15 miles from one of those institutions has an estimated median annual household income of not more than 250% of the population. In its CMC pilot project created a 15 mile radius buffer around each potentially eligible recipient to include median household income data. Average household size and poverty thresholds for each individual census tract. And that is available on our website for anybody who's interested on the CMC. Connecting minority communities pilot program web page, but nonetheless, we know that that is a bit restrictive that that that breach is more expansive when taking into account these anchor institutions. Now, give you an example, all of the tribal colleges and universities are considered land grant institutions. There are about 18 historically black grant institutions. There are many Hispanic serving institutions that are land grant institutions. And what does that mean? It means they, their reach in terms of their community partnership programs expands across the state. There you have immediately an obvious link between state broadband planning and digital equity planning. And it's our goal to work collaboratively across the, those projects to make sure that those communities by virtue of those anchor institutions are a part of that. And that's what's critical here for you. So you see, we fit within the parameters of financial, economic, educational and digital inclusion. All of those parameters. And we see that broadband is a requisite to address inclusion at every one of those levels in our society. So this O and B I and you'll see where we fit into the theme of today in terms of leveraging inclusion advocates for working together. Our duties among, among many of our duties, I'm just going to point out a couple of them to collaborate with federal agencies that carry out broadband internet access service. The, the NTIA has published a list of all the federal agencies that do that to collaborate with state, local and tribal governments and these stakeholder anchor institutions. And their stakeholder communities in the communication, education, business and technology fields to promote initiatives relating to broadband internet access, develop recommendations to promote activities that would accelerate the adoption of broadband internet access. And to explore how to leverage investments in infrastructure with respect to broadband internet service. To expand connectivity with respect to that service in anchor, as well as faculty and staff of HPC use TCUs and MSIs. So in some, who are we, what are we, we were established within NTIA's office of internet connectivity and growth to promote equitable broadband access and adoption at these institutions and their surrounding anchor communities. Say our operational pillars are to administer the connecting minority communities pilot program, which I will not go into today to collaborate with federal state tribal anchor institution stakeholders and to build capacity at anchor institutions and their communities. So, who do we serve over 1000 unique institutions that qualifies HBC use TCUs or MSIs that serve around 8.5 million unique students. Excuse me, many of whom are historically underserved. Many of whom fall into that areas of persistent poverty. I'm sorry. I do have. A cough and have to mute for a moment. And as Francine wraps up, we'll get, we'll get ready to pivot here shortly. Look at that. So quickly. So those are who we serve. And those unique students represent families and represent communities. We have the unique ability to reach a wide diverse population across the United States within these anchor institutions. So, let me just finally say HBC use TCUs and MSIs are in 440 counties. And county equivalents across 54 states and US territories. Touching every region of the country. Roughly 35 million more US residents. Live in counties that contain 1 of these institutions. Then at a county, then those who live in counties without 1 of those institutions. Is necessary for full participation. Both at the anchor institution level and in anchor communities. It's our intent to work across all of the programs to collaborate, engage, conduct research, develop knowledge. Consider digital inclusion programs. So you see, we are inclusion advocates and it is in our mission. It's in our DNA. And we look forward to working with all of you to achieve goals of internet for all. Thank you. Thank you Francine appreciate the comments. Patrick, are you there? I am. Thanks Terry. Good afternoon, everyone. Thank you for the opportunity to talk about bank on and some of the things that we're trying to do along the digital lines to reach as many people as possible. If you go to the very next slide. Terry, I think this shows this is a slide I like to use whenever I have an opportunity. To present it shows the financial capability continuum and I think. Whenever I talk about bank on, I talk about the product itself. Which is a very good product to getting people get any inclusion in the financial system. But the product is separate from what I see the power of the coalition and the power of the coalition really is an opportunity to bring all these resources together in 1 location. So that we don't unintentionally miss something that might be available to the general public. So if you look here in the financial capability continuum, it's not always the case, but very often. Consumers will come in contact with a community resource provider during a crisis and the goal there is to get them to financial stability. But what we want to make sure that we're doing beyond helping them open accounts is build financial capability. So as you see those. The bullet points all around the continuum there, it could be a youth development program, home buyer education, financial education, personal line of credit. So the purpose is how do we bring these resources together, create 1 kind of a clearing house or 1 stop shop so that when someone gets access to banking, we can say, hey, you have credit. We are interested in building credit. Let's talk about some of the building products that exist or are you starting a small business? There's some entrepreneurship training. So that's really the goal of the, and what's so powerful. I think of these coalitions because they bring all these organizations that are doing fantastic work in the community. They're, they're molding together all their strengths. So you really eliminate the possibility of missing an opportunity where someone may have a need. And the next, on the very next slide, this kind of speaks to what we're trying to FPP coalition. Some of the things that we're doing to try to reach the world, so to speak. But we have a streaming system called Spondulix. It's a lot like a YouTube channel. But what it is, it's something that Bill Mills, our CEO talks about is financial edutainment. So it's it's education, financial education that's delivered in an entertaining way. And you can see here on this screenshot, we have a creator spotlight. So we have financial capability practitioners. We have a gentleman who teaches financial education through puppets. We have podcasters, we broadcast conferences and, and webinars and, but it's really limitless and where it reaches. We've kind of, we've had people utilize Spondulix from all around the world, which is pretty neat. And we're always looking for content providers, but Spondulix is a way to deliver education in an entertaining way. And then, and again, you can access this. So if you don't have the ability to meet 1 on 1 counseling or attend a financial education workshop.  The next thing, the next slide, Terry, if you move to that one, please that that slide. The other thing I'm working on is we're trying to automate the integration process. What I've found out as I, when I took this role May of 2021 is that inside coalitions, there's a lot of work being done, but outside coalitions. I don't know if they're, if we're always kind of presenting the bank accounts with the existing relationships that we have. And then the other concern that I, that I see oftentimes is the issue of capacity. What we want to try to do is, is make it very easy, very simple process for nonprofits to kind of find who they want to partner with that has a bank on certified account. Because what happens is they follow the national account standards, but there can be a little bit of nuance. Some accounts may have no fee. Some may have a fee up to 10, but you can wave it. There may be conditions to wave it. Some you can open online. Some you can't. So rather than ask our nonprofit partners to go on the computer and search each individual website. We've created a product matcher on our website where as you can see the boxes there, there's certain things, no minimum deposit, no monthly fee. You check. Yes. And then it'll pull up all those financial institutions that qualify that. So the goal would be that the nonprofit partner. We find out what is the needs of your consumers, your clients. What's the 3 to 5 most important banking needs, whether it's a bank or credit union. You can go into this device. You can pull that up and find out who matches that as closely as possible and then get a good list to work with where you can facilitate those relationships. The other thing it does too, and this also came from Bill Mills, because he's heard for many years that these products don't exist, but in fact, a lot of them do. And there's just not an awareness of it. So this also will be designed to tell you who has a credit building loan or secured credit card. I found that in Florida, there's a couple of our financial institutions that have loans that are specific for minority owned businesses. And then there's a lot of different financial institutions that also will do real small dollar loan amounts, $300 loans, $100 loans that are non predatory. That would be a great alternative. You know, like a personal line of credit revolving line of credit non predatory would be a beautiful alternative to some of the payday loans. So these are just a couple of examples of what we're working on at FPP coalition to try to bring this information, these resources as making as widely accessible as possible through accessing it through the internet or through a smart phone. And so we do also agree that eliminating the digital divide is not only important for the being the bank online, but it's crucial to help deliver those financial education products and other other financial capability systems that items that will help people reach financial capability and grow wealth and and achieve all those financial dreams that most all of us dream about achieving. So, thank you very much for the opportunity to discuss that. Yes, and thank you Patrick for the for the insight there and all just to just a reminder. If you have a question that strikes you, please place it in the chat and we'll address them. Well, Markita, are you there? I am here. I am here. Welcome everyone and thank you all for the opportunity to get on. I'm Markita Robertson. I'm the executive director for the collaborative, and we are based out of North Carolina, and our mission is to close the wealth gap in North Carolina by ensuring that everyone has a pathway to prosperity. And we now know that that pathway to prosperity means includes a lot of things but it also includes access to affordable broadband. I want to talk with you about bank on and this is one of this is one of the main areas that we are focused in currently at this time. The FBIC has always done a good job at spotlighting the on and the underbank population. And in 2020 issues related to the distribution of the economic income payment really amplified this need in North Carolina. And we were finding that most of our most vulnerable families were unable to get access to their payments early because they did not have a bank account. And when they did receive a paper check instead of direct deposit weeks months or even a year later, they had to pay fees to get their check cash, further taxing and already vulnerable population. And so all of this highlighted a need for increased access to banking but also a need for increased access to broadband. And so that is how we that is the inspiration behind the launch of bank on with Carolina. And we are through bank on North Carolina we are working to increase access to bank accounts and also helping our clients build relationships with bankers through the nonprofits. That they work with. I want to talk a little bit about broadband and bank on North Carolina. North Carolina like most of the nation is highly rural. And we have a lot of bank deserts. And these same areas where also see limited accesses to break bank branches and also limited access to online banking and we know that we can't put a bank there. They start coming but we can't do that but what we can do is give them access to bank to online bank accounts and access to manage your bank accounts online through this through through work to close the digital divide. We know that these folks are online. They're using financial services like chime cash yet. But we know that the downfall to this is that they're not FDI C secure insured. And they're not always predatory I mean non predatory. And there's a lot of fees and these are just you know this. The resources that are named are just not safe financial tools especially for our most vulnerable folks but we know that they're accessing them through their phone and online. And so when we're having conversations in North Carolina to increase affordable broadband in North Carolina. There's also usually conversations about how online banking will be considered and we find that the organizations that are doing this advocacy work for broadband are also the same organizations that are doing advocacy work for financial inclusion. And so in that spirit I'm glad to be up here with my colleagues and to continue this conversation. Thank you Marquita. Well, we'll pivot over to Gary. Hello everyone. My name is Jerry Hanley, the executive director and Merlot and skills commons. And we are a program at the California State University system. And at Long Beach, and we are, as Francine was mentioning we are an anchor institution where a minority serving institution, Hispanic serving institution as well as Asian American Native American Pacific Islander institution. And I'd like to just begin and Patrick if you I mean Terry if you want to hit the button to get to the first one is one of the things that is really important that Terry said early on was around courage. Let's talk about how important your friends and colleagues and your collaborators are in keeping you moving forward. And, and what we look what we do in skills commons, and Merlot is, how can we keep on feeding that is supporting your bank on pipelines with open educational. These are free online training teaching and learning materials. And in order to sustain and scale the exciting innovations that Marquita is bringing into North Carolina, and, and Patrick is bringing into Florida. How can we provide the instructional programs about digital literacy about financial literacy about economic inclusion strategies or about educational opportunities where people can develop the skills and knowledge about entrepreneurship, or around manufacturing or any area that they might be interested in. So, in order to allow these exciting innovative programs moving forward across other states. We need to have this supply line so we're not all reinventing the wheel. So the next button there, Terry. And open an online library of all these resources that anyone whether you're in bank on programs FDIC at the National Collaborative Collaborative for Digital Equity Department of Labor Department you name it, you can have access to all these educational materials that can empower your staff to help enable people to move forward in their financial, economic, educational and digital capabilities. So next button there. You can do this right sounds great, having a place where you can go find the spend dulex all those resources easily that you've heard today. Well, guess what the US Department of Labor has already funded skills commons which is one of this free and open library. They've worked for us training materials, and they provided $1.9 billion for the trade adjustment assistance for community colleges and career training program, and we've been serving 50 states since 2014. Terry, and this, what we can do is easily expand think about adding a wing to the library for all these resources. So anyone anywhere at any time would have access to these materials to support your subject matter that you have who knows all about the financial literacy, but now they might need to know how can I help support the digital literacy skills right. So we're looking at skills commons as being a supply line a support to support your courage in your local areas to take leadership. So next slide. So that sounds like wonderful things, you know be would be nice to do, but they're often challenged that we've experienced over time and one of them is, you can have banks that have such enthusiastic passionate subject matter experts, but often. We're not sure about how to be effective educators, and that often becomes a challenge for many subject that expert at subject matter experts, but how do I explain why and how it's so important to become fully banked. One of the things we have in skills commons a strategy we have self we built self paste tutorials and webinars to help industry experts to become excellent instructors to really have that teaching and learning process become more effective. Other challenges. Right, when we often look at what might work in North Carolina may not work in New Hampshire or Montana or what might work in Florida might not work in California, right, because the diversity of the populations have often unique needs around those anchors or those hubs. So how can you bring a library material that also will allow customization by local areas well skills commons has provided a library that can curate and provide free access and license it in a way that allows anyone to reuse revise remix retain and distribute these open educational resources as they see fit and needed for your local community. And of course we're always here to provide technical assistance to support your success. So, thank you, Bob and Terry and all the other colleagues in this collaborative here for letting me share how we're low and skills commons these are libraries can empower your staff to be successful. Thank you Jerry appreciate it. Michelle, are you there. So Terry you'll appreciate the irony of this being with so many digital equity folks on the call that she's experiencing technical difficulties on her and she can't hear us we can't see her. Good afternoon. There we go we can hear. Okay. Yes. Yes. Hey, Michelle. Great. Thanks Bob. Really sorry I am having quite a bit of technical difficulty right now. I'm quite ironic. Given the topic of this webinar. I'm so I will plug through I am not able to hear or see anything at this point but glad that you all can hear me. I'm really thrilled to participate in the launch of this webinar series on such a really important topic. And I'd like to just start off by giving a shout out to our partners Martina and Patrick really excited to work alongside you and all the terrific things that you are doing. I want to also thank Bob and Terry for putting together what's already promising to be an amazing series. I lead a team at JP Morgan Chase in corporate responsibility on the east coast. And we alongside our lines of business colleagues are really proud of the commitment that the firm has made to closing the racial wealth gap. As we all know the pandemic only exacerbated health and economic inequities across racial lines. And we know there's a need to drive an inclusive recovery that breaks down barriers and creates and sustains more widespread opportunity. I really love the feed. Excuse me theme here, because I think that in order for us to create sort of that sustainable system we are going to have to also kind of break down barriers and look really closely at how the inclusion dimensions are intersecting. We at the farm are harnessing our business and our policy expertise or research our data talent global presence and partnerships like with many of those listening today to help to do so. Building on existing investments in 2020 we committed an additional $30 billion over five years to address key drivers of the racial wealth divide and provide economic opportunity to underserved communities, especially the black Hispanic and Latino communities. The commitment focuses on the following. If you'll go to the next slide please. Promoting and expanding affordable housing and home ownership. And this is actually the lion share of the commitment. We are combining equity and strategic philanthropic capital to finance 100,000 affordable rental units originate 40,000 home purchase loans and refinance loans to help 20,000 black Hispanic and Latino households achieve lower mortgage payments and stay in their homes. Secondly, we're growing black Hispanic and Latino owned businesses to provide 15,000 loans to small businesses and increasing our spend with and technical assistance support to new and existing black Hispanic and Latino suppliers. We've also created new consultant positions to help mentor minority entrepreneurs through tailored advisory services with a focus over a three to six month period on access to capital, managing cash flow, the importance of business advisors, operational effectiveness and business development. Third, we seek to improve financial health and access to banking in black Hispanic and Latino communities. As an inaugural supporter of the bank on coalition we truly recognize the importance of this mission and have pledged to help an additional 1 million people open low cost checking and savings accounts over the next five years. We're also hiring 400 new black Hispanic and Latino wealth management and community home lending advisors and over 150 community managers who are based in low and moderate income communities and lead with financial health to consumers and small business owners. The fourth key area of the commitment is accelerating investment in our employees and building a more diverse and inclusive workforce. We're expanding our recruiting and training programs to ensure we are reaching diverse populations, such as HBCU student populations to build more diverse pathways not only into our firm but also across the financial services industry. I encourage you all to check out our progress at www.JPMorganChase.com backslash racial equity and I'm happy to connect with Bob and Terry on other questions that may come up. Thank you so much. Thank you, Michelle. I really appreciate the comments and working your way through the technical challenges here and that's just, you know, that's just a great reminder that there's more to be done. And so with that, we have a special presentation with Michelle. Let me see if I can't pull him up here and we'll get him going. Terry, while you're working on another technical challenge, again, the irony of this is Michelle is rather poignant. So Nishal is Nishal Chandra. I'll introduce Nishal Terry while you're working on. He needs the, he needs the WebEx panelist link again. And hopefully that'll work and he'll be able to join us and catch up here. So what Nishal has so kindly done in partnership with us all is he's developed a website that is now ready for folks to use here. All the participants and panelists and folks that you know that are concerned about inclusion and impact on poverty. We're hoping you'll find this a really valuable tool set for this. Oh, there's Nishal. Excellent. Nishal, excellent. I'm going to gratefully pass the baton to you, sir. Thank you Bob Terry and thank you for this wonderful opportunity to speak on behalf of including junction. So in about a week's time, we put together a system that is right now functional as we speak. That is able to essentially folks sign in self service, get verified. And then there's a and then there is a process in which we vet them out to make sure that then not spam. And when that what that happened, they're able to go in and search for folks who have been registered and vetted in the system. So what I would like to do is where is our PowerPoint. Do you see it? Are we on the first slide? Yes. Let me just share my screen. I'll take control. Okay. Can you see my screen? Yes. Okay, so basically. So that said, this system I put together. It's a website, but however, however, it's mobile friendly. So it can be used on mobile device. But essentially the workflow is this. You go into inclusion junction. Or you can create an account. And it will go through email verification because we don't want garbage signing up. And then we work very relatively fast on the back end. There is folks from Bob's organization are going to vet out the unnecessary folks. And then once you're able to do that, you know, once that happens, you will get an email notification that your account has been approved.  And once you do that, you're able to search for others. Now we have, if you have not been approved, all you can really do is update your profile because we don't want folks signing in and getting access to those who have been vetted in the system. And then once you find the applicable folks, you can actually communicate with them. We have secure messaging. So let me just give you, this is what it kind of looks like. Some of the key screenshots here, so account verification, you'll get something approved, the account has been approved. You go ahead and search for users.  I mean email messaging that you have a new message or so and so because we're not expecting you to be logged into the system. But what I would like to do is just do a quick demo right here. So this is our website. You can sign up, sign in. So I'm going to sign in right now to my account. I go in and now there is a message when you are new that you have just essentially, you know, go ahead and fill out your profile. I will get back to you as soon as we are able to. I can go in and find out about us. And that goes to Bob's entity website. And, but getting back here. I can update my profile. So I can, you know, some things are required. Now you can include the dimensions that we inclusion dimensions. We have several options. You can have multiple selectable. You can describe if you have something other. You can describe that. You also can describe, you know, in text what specifically are you providing service and also the the regions in which you are in. You can also describe the states that you work that you serve. And when you update your profile updated, now you can go in and search for users. And if I do nothing, I can search for all the users registered so far are in the system. But let's say if I want to be most elective and I want to know somebody in like. I'm sure. I find Gary. So that's just one example. And if I look up who Gary is. And say, I want to talk to Gary, send Gary a message. And that's just a simple way of communicating it within the community. So what we are doing is essentially. This is right off the production line on a weekly basis. We're going to make updates on the system. And, you know, we would like to feedback. We invite everybody to go sign up. And we will. Work hard to address your concerns and your future request as soon as we're able to. Any questions. If I could add Michelle to your, your wonderful presentation. First off. This is extraordinarily kind of you to develop this. This is meant to be for all of us and all the stakeholder groups we represent as a way to help folks. We know that in the digital equity act of, which is title three of the infrastructure bill. It is requiring as those of us who are involved in preparing them. State digital equity planning leaders are between now and next June. We will be working on rigorous intensive need sensing and priority setting with diverse stakeholder groups in their state. To develop for your implementation plans and funding requests to the US Department of Commerce and TIA and to Francine's colleagues in the office of digital equity for a billion dollars in implementation. And these grants to states starting a year from now for four years are going to be based in large measure on how well each state documents that it's listened rigorously to stakeholders across different dimensions of inclusion, including those that bring voice and agency to the underserved and underrepresented. So what Michelle has so kindly done pro bono for all of us is to create this tool set. That is going to enable us to not only meet episodically, if you will, in these webinars and next March in Atlanta together as state teams, but in the meantime, to help you connect with one another if this makes sense. Did I do justice to that Michelle. Yes, thank you. Thank you for the opportunity. Yes. I just wanted to just make a brief comment about the shawls efforts there. I really think that this inclusion junction is a is a great way for everybody to find out who to connect with and how best to connect. If you're if you're coming in new to the market and you may not have a lot of stones in your pocket and are kind of floundering. You can plug right in and be up to speed in no time at all. So I just really want to applaud that effort.  I'm pretty sure we could have spent at least another couple hours talking through things, but we wanted to leave a little bit of time. If we haven't been getting to the Q and a. Now we can spend some time addressing some of those questions that hit the chat. Did you, did you see anything Bob? I did. And it was, and Karen Edwards, I'm going to see if I do justice to this. You were asking in the chat if, if what we're all talking about does this support Native American communities as well as a native Hawaiian, you know, either Alaska native, you know, indigenous communities. And you shared that digital and racial equity is a huge issue for you. And just wondering what folks thoughts are on the, on the panel about that. I can certainly chime in if that would be helpful. Because I, I'm, I'm rather fluent with the digital equity act and a shout out. A shout out, by the way, to the National Digital Inclusion Alliance and the folks in Congress who crafted that brilliant legislation, including an NCI. But Francine, please. Oh, I was simply going to say, and I'm repeating myself that yes, when the office of minority broadband initiatives target is every 1 of those populations that you've mentioned Karen. The, the institutions of higher ed that are historically black colleges, tribal colleges and universities of which I think there are about 3rd. Of those Hispanic serving and an appease these Native American non tribal. Predominantly black all of those we are our stakeholders and the communities that they serve. So, if that helps at all, that's what we do and would love to work with you. And I think I put in the chat that we have a tribal broadband connectivity program. And I will connect you with Adam Geisler who's the director of that program. So Terry and another comment that's between the lines in the chat. Is what, what can the bank our bank on friends on the panel. Most, what would you most like others out who are not familiar with bank on to know about how digital equity is relevant to what bank on coalitions do and how bank on coalitions could enhance what the digital equity folks are looking to do. I'll chime in there on that. I think the 1 of the components of bank on is for lack of better term is the marketing. Component of another word getting the word out of bank on letting people know that these accounts exist. You know, there's, there's 2 reasons. I think that are the top reasons that the survey show that people don't have a bank account. And I think the very 1st 1 that's most responded is they don't think to have enough money to open an account. So that suggests to me that these are individuals that would like to have an account, but mistakenly think that they can open one. So, I think. Increasing increasing digital access is going to create a situation where able to get these accounts to those individuals and and provided education that you don't many of these accounts you don't require anything to open or certainly nothing more than $25. If they're if they do have requirement and just being able to do that. And I think on the flip side from the from the coalition standpoint, you know, just being able to have that network of so many different resource providers, government entities. FDIC OCC being a partner made these coalitions as well. It's a great opportunity to be able to kind of hopefully reduce the time it takes to get to the right people to to get the to express the needs that are in the community and see how we can fulfill that. And just that, you know, just a real quick example, you know, if we're taking a look at access with through bank on, you know, we're taking a look at certified accounts. And if we're telling folks to, you know, go on, go online, and you have an opportunity to open up account online. But then you go into the rule market somewhere, they may not have broadband or it may be, you know, not not as strong as in some places in the urban course that you have. So that connection there, I would also I would also make. Well, we're at the top of the hour and I knew it was going to fly by just like that.  So we hope that you continue to stay with this webinar series as we unfold it and other dimensions and other aspects and continue on. And in the meantime, if you're, if you're so inclined, put yourself in the inclusion junction so we know where to find you and connect you appropriately. With that, I'll give my panels 1 last word. If you if you want to say supporting words, please do and then we'll get out of here. Well, everybody enjoy the rest of your day and thank you for joining in. And we'll look forward to seeing you at the next webinar webinar number 2. Have a good day. Thanks Terry. Thanks everybody. Thank you Bob and Terry. You take care. And if Michelle could only hear us, I'd sure love to thank her. She was like, oh, you know, I don't know if I should stay on. It's like, well, we can hear you and you have a lot to say. So. I'm glad she hung in there. I'm glad she hung in there to see you're trying to buy system, you know, along with the other system, you know, challenges. Here we are. It does very ironic. I was sitting here trying to figure out. This is good. Thank you for coordinating and including this. Yeah, good job guys. Yeah. And thank you. Thank you for participating.