Spotlight – Small Business Mentor/Protege (SB MP) Program


>>Hello, everyone. My name is Maureen Duckworth. I work at GSA. I represent the Professional
Services Category and this is sponsored by
the Acquisition Gateway. Today I’m going to introduce
you to a speaker that’s going to talk about the All Small
Mentor-Protege Program. Just before that, I’d like
you to, I hope that you filled out some of the poll
questions that we had. They are helpful to
us and to the speaker. So they’re always good
for you to participate in. There’s some housekeeping
information that I need to give you before
we get started. And the first one is that
you can download the files that are available here
and they give you some additional information. In this case, the bio of the
presenter is available as well as the up-to-date list
of all of the companies that are currently approved
on the Mentor-Protege Program. So that is, you know,
a moving list and so we have the most
up-to-date list and I’m happy to present it here for you. If you have any questions, you
should put them in the Q&A box and you will see a square
here that is for Q&A. I will read them
out to the presenter at the appropriate times. Sometimes we may have to
address them at the end but we will always address them. If for any reason
we run out of time, the presenter will
write answers into them and I will email them
out to all of you. So any questions will be
answered in one form or another. If we have time, we
will allow you to, we’ll open up essentially
the microphone and you can ask questions via
voice instead of typing them in and that’s if we have time. The webinar materials,
like I said, are in the download section and
so the presentation and the Q&As and her bio will all be listed
in those download materials. To receive a CLP, you need to enter your email
address in the CLP box. It’s the bottom one on
the lower right corner. Registered users will
receive a certificate and this process is really
sometimes quite delayed. I’d like it to be faster
and they’re working on it. So I was telling people in
the past two to three weeks and sometimes it’s actually
taken longer than that. So please be patient with me. I promise that the
second they’re available, we’ll get the CLPs out. We’re very good at scanning
these things and making sure that they’re all proper
before they come out to you. So for that reason,
we’re painfully slow. Okay, now on to the seminar. I’d like to introduce
Sandra Clifford. She is going to be
our presenter today. She is the Deputy Director of the Small Business
Administration’s new All Small Mentor-Protege Program and
it’s going to be abbreviated for the rest of the
presentation as ASMPP. It’s in the Small Business
Office of General Contracts and Business Development. She’s been at SBA since 2015
and spent more than 15 years in various state of Maryland
positions, including many years with the Maryland Office
of the Attorney General. Ms. Clifford is an
attorney by training. This is being handed
over to Sandy now. If you have any questions, please actively ask
them in the Q&A box. Welcome, Sandy.>>Thank you very much, Maureen. We really appreciate
the opportunity to talk about the All Small
Mentor-Protege Program or, as you said, with that
long title, we definitely like our abbreviation of
either All Small or ASMPP. So without further ado, I
will start the presentation. So this is some history
and facts about SBA’s Mentor-Protege
Programs. We were created our
authorization within the 2010 Jobs Act and
the 2013 National Defense Authorization Act. And for many years, many
of you may be familiar with SBA’s 8(a) Business
Development Mentor-Protege Program, which has been
in place for many years, but was only open to
firms participating in the 8(a) Business
Development Program. And other small businesses,
ones that were in our [inaudible]
program or HUBZone or just a general small
business wanted the opportunity to be able to participate
in a Mentor-Protege Program. So that was opened up in October
1, 2016 we started and the rules that created the All Small
Program also revised the rules at that time for the 8(a)
Mentor-Protege Program to make sure that both
programs were as consistent as possible with one another. And that authorization
also directed SBA to review all other agencies’
Mentor-Protege Programs except for the Department of
Defense Mentor-Protege Program and the Federal Aviation
Administration Mentor-Protege Program because both
of them are not covered by the small business act
and we were also directed to consolidate, work
with those other agencies to consolidate their programs
potentially with SBA’s if it was practicable. So goals and benefits of the
Mentor-Protege Concept are that our program helps
streamline access for small firms to the
federal marketplace. To be able to enhance the
small firm’s capabilities and growth potential
through mentoring with large or small other experienced
businesses. It helps increase Protege
wealth and create jobs through government contracts. It helps to assist large
mentor firms to develop and increase their supply
chains through having and developing capable small
business subcontractors. And it also helps
contacting officers meet their congressionally mandated
set-aside goals. So some key program elements are that our program is
centralized at SBA headquarters. We have a small but
mighty team here in Washington that
works on them. Our online application
to our program is through our SBA website
called certify.sba.gov which we are using now to
accept All Small Mentor-Protege applications as well as
8(a) initial applications and their annual reviews
that they have to do and it also allows for women-owned small
businesses to self-certify. And in the future we’ll be
incorporating the HUBZone program [inaudible] certify and so we’re looking
forward to that. When our applications are
received, we have about an eight to ten-day, that’s business
day, turnaround time after we get a complete
application. Both participants,
mentors and proteges, must be for-profit entities. And when you are a protege in
either SBA’s All Small Program or 8(a) Mentor-Protege Program,
you can be in either one, of course if you’re
eligible for 8(a). That’s the determining
factor there. But a protege small
business may have no more than two Mentor-Protege
relationships over the lifetime
of their business. They self-certify as small
in their primary NAICS code. We also have a tutorial
requirement that both the mentor and protege firms must take. It’s online on SBA’s
online learning center and basically what it does
is it tells the participants about the program, how to use
it, and gets them familiar. They have to upload the
certificate that each firm to get they have to
provide a business plan from the protege’s perspective
and then they also have to complete the Mentor-Protege
Agreement template that we have. When they self-certify as small, they also can provide
documentation or information if they have any socioeconomic
certifications such as 8(a), they’re in the HUBZone Program or if they’re service-disabled
veteran-owned small business or woman-owned small business. That certification follows
the protege firm and I’ll talk about that a little bit
more in a little while. We don’t match the mentor
and protege teams together. That they have to
do on their own. If they form a joint venture,
which we’ll talk about, that joint venture is
good from two years from when it wins
its first award. Most other federal agency
Mentor-Protege Programs in fact all offer prime/sub
mentor-protege relationships but when a firm enters
in to either an 8(a) or ASMPP mentor-protege
relationship, we offer the additional step
of the joint venture capability with an exclusion
from affiliation. And I’ll talk more about
that as we go on as well. So this slide lays out
the federal Mentor-Protege Program Landscape. We like to talk about the
two Mentor-Protege Programs as goalposts, the
SBA’s program as well as the Department of
Defense’s program. DOD’s Mentor-Protege
Program is authorized and appropriated
through the NDAA. It covers all different
types of service areas that proteges can receive
assistance from their mentors and they’re primarily
prime/subcontractor relationships. They do also offer an
exclusion from affiliation for mentors and proteges. For SBA, we’re authorized but we don’t have any
appropriated funds for the program. Here’s the site for our All
Small Mentor-Protege Program in the CFR. When a joint venture is formed
by participants in our program, we don’t review or approve
those joint ventures but we do offer the
exclusion from affiliation. And 8(a) Mentor-Protege Program,
here’s their site in the CFR. Their joint ventures do
get reviewed and approved at the servicing district
office for that firm and they do offer an
exclusion from affiliation. And these are different federal
agency programs that have gone through the review process
from SBA, including the FAA. And then there is other
agency ones that are either in the process of redeveloping
or they retired their program. That’s what that little
r or d is equal to. And some other federal agency
Mentor-Protege Programs allow for nonprofits to
serve as a mentor. But they don’t offer
that exclusion from affiliation that we do. So we see that there are
three levels of advantage in participating in a
Mentor-Protege Program, our Mentor-Protege
Program for the protege. There is the business
development level where the protege gets the
expanded capacity to bid on their own and these
are the six areas of business development
assistance that a mentor can
provide to a protege. Protege can choose from one to
all six of them, you know mix and match as they desire in
working with their mentor to determine what areas of
assistance they can use help in. The next level of
advantage that we see for the protege is a
prime/subcontractor award. And that’s when the protege
would get subcontract awards from their mentor. This helps the protege
to expand its capacity and they can then give
value-added products and services to their mentor. And then the third
one is if the mentor and protege form
a joint venture. That joint venture then takes on the small business
status of the protege. So if the JV was formed by a
protege that’s an 8(a) located in a HUBZone, then that joint
venture is to be treated as a small business
HUBZone 8(a) joint venture. So they can bid on small
business set asides and the JV gets those
certifications from the protege and it also regulations require
that when considering an offer from such a joint venture, the contracting officer must
consider the past performance of both the mentor and
the protege as well as any past performance that
the joint venture might have. So that gives that joint
venture a lot of power and also helps you all
as contracting officers because you can count that
joint venture as one that is, in my example before,
an 8(a) and a HUBZone, so it helps you meet your
small business set aside goals as well. So when our program was created
about two years ago almost now, we were only accepting
applications. So we all worked
on applications. But as we’ve gone into our
set of coming up almost on our third year now, each
year there are proteges that are in the program, they
have to provide us with an annual evaluation report
showing how they’re doing. And so we divided
into two teams. Our first team is called
the application assessment and approval or, since we like
acronyms, the triple A team. And they review applications. This slide talks about the
eligibility that a protege has to have to apply
and what they have to do before they can even
submit their application and certify. They have to in SAM.gov. Mentors and proteges have to
find one another separately. This is a little old
but we’re not match.com. We don’t put them together. They have to find each other. So if you’re applying
in the NAICS code — Whatever NAICS code
you’re applying in, you have to have previous
experience in that NAICS code. And when a mentor is providing
assistance to a protege, one of the areas of assistance
they can provide is financial assistance, including owning
some equity in the protege firm but it can be no more than 40%. SBA can’t have made a previous
determination of affiliation between the mentor
and the protege. And generally, a protege can
have only one mentor at a time. But as I had said
earlier, they may have up to two mentor-protege
relationships in their lifetime but that’s it. And our mentors may have no more than three proteges
at any one time. SBA may authorize a small
business to be both a mentor and a protege but
only if they can show that that second relationship
won’t compete or conflict with the first mentor-protege
relationship. Then this talks about how
for a protege to apply and start the process. If you are an — If an 8(a) firm who has an active 8(a)
mentor-protege relationship is about to graduate
from the 8(a) program, which is the business
development program that last nine years, they may within the last six months
before they graduate transfer that 8(a) mentor-protege
relationship into the All Small
Mentor-Protege Program. And they do that also
through certify.sba.gov and their business
opportunity specialists in the SBA district officer is
not involved, which they like. So this is for reference
a comparison of the All Small
Mentor-Protege Program and the 8(a) Mentor-Protege
Program. And one is something
that all of you who may be handling 8(a)
acquisitions should know is, and we like to emphasize
it because we understand that it’s a little
confusing to people who are using the 8(a)
program for an acquisition, the All Small Mentor-Protege
Program here in Washington, we don’t review or approve joint
ventures but if an 8(a) firm is in our All Small
Mentor-Protege Program and they form a joint venture and that joint venture
is seeking after either an 8(a)
sole source acquisition or an 8(a) competitive
acquisition, that 8(a) joint venture does
still have to be reviewed and approved by their
servicing district office before contract award. So these are the areas of
mentor-provided assistance. Proteges can look for management
and technical assistance, financial assistance which was
the area that I had referred to earlier where you can
own up to 40% as the mentor in the protege’s business. It can get assistance in the
area of contracting assistance. Here’s one that is
relatively new to both the 8(a) Mentor-Protege
Program as well as All Small which is international
trade education. So this could be when a protege
is interested in learning to do business abroad, how to
export and they can get help from their mentor in doing this. Business development assistance which is just what
it sounds like, assistance in developing your
business, and then the catchall of general and/or
administrative assistance. One where we’re finding
a lot of interest with our proteges is
security clearance support in obtaining a facility
security clearance.>>Hello, Sandy. This is Maureen. A contracting officer
came to me with a concern about he was afraid that they
would put the small business out of business because the
payment process is often times so long and they were worried
about the company doing a lot of work and then having to
wait a long time to get paid. Does that financial
protection give loans to kind of cover that time period? Is that one of the things
they can use it for?>>That is one of the
things they can use it for. And another thing that
we see a lot of is, especially in construction
type projects, is when the mentor helps
the protege with bonding.>>Terrific. Thank you.>>You’re welcome. So here is a screenshot
of SBA’s website where all of the information that we are
talking about today can be found at that All Small
Mentor-Protege Program webpage. So we have information not
only there for proteges but there’s also information
there for contracting officers.>>Sandy, I have another. Obviously this is a — People
misunderstand the webinar and so it’s really important
question because as you’ll see, this gentleman asks, does both
the protege and the mentor have to already be on the
GSA schedule to bid on GSA schedule contracts.>>Very good question and
it is one that has come up. So the joint venture itself, the
mentor and protege could both be on let’s just say schedule 70
[inaudible] for an example, but those [inaudible]
or the protege firms on schedule don’t impute to the joint venture
that they would form. That joint venture
itself would have to get on the [inaudible] schedule.>>Thank you.>>I had a question. So if it is not an 8(a)
[inaudible] between 8(a) and say minority or
women-owned organization, do they qualify for this or not?>>Yes. As long as they’re
small for the NAICS code that they apply for the
mentor-protege relationship, so yes, as long as
they’re a small business. And even if they were not a
woman-owned small business or a service disabled vet, as long as they’re a small
business, they qualify.>>Okay. Because 8(a) takes
a lot of time to get it and certified and [inaudible]
and if they wait till then, they’re losing the time.>>Potentially, yes.>>Thank you.>>Okay, so this
next slide is talking about joint ventures
and teaming. So all small joint ventures
are eligible to joint venture as a small business for any
federal government prime contract or subcontract. This is the part of the 13 CFR that covers small
business joint ventures which include all
small joint ventures. And then here’s the site
to the section that talks about past performance
and experience for all small joint
ventures and requires that procuring activities must
consider work done individually by each partner to the joint
venture as well as any work done by the JV itself in
reviewing past performance. So in going on with
joint ventures, the joint ventures take on the
small business certification of the protege, not
on any schedule 70. When I talk about taking on
the identity of the protege, I’m referring to
SBA certifications, so that would mean
woman-owned, 8(a), HUBZone, or service disabled vets. It doesn’t cover let’s just say if the protege was
certified veteran enterprise or vets first contracting
with the VA, that doesn’t impute
to the joint venture. In that case, just like
with the GSA schedule, the joint venture itself
has to get CVE certified. If a mentor and protege want
to enter into a joint venture, they have to make sure that
they get their mentor-protege relationship approved by SBA before they form
that joint venture. Make sure that the joint
venture is approved by SBA and, therefore, then that exclusion from affiliation
would be granted. And talking about what an
exclusion from affiliation is, even if it’s something that
you talk about all the time, it’s easy to get it, you know,
to get a little mixed up by it. What it means is that if a
other than small business, AKA a large business, like
let’s just say Dell for example, is partnering with
a small business in a mentor-protege relationship
and they form a joint venture, normally you would say, hey,
Dell and small business, then it’s going to
be a large business. But the mentor-protege
relationship gives them an exclusion from affiliation
and, therefore, that joint venture would be
considered small and eligible to bid on small business
set aside. That’s what the exclusion
from affiliation means that they’re not
bound to be affiliated because otherwise
the SBA would come out of the gate assuming
that they were. And if somebody filed a
size protest to challenge that joint venture
size as not small without a joint venture
relationship in place, most likely they would
be found to be large. So our district offices review and approve only 8(a) joint
ventures as we talked about and our office does not review
or approve joint ventures. So when you’re in a
mentor-protege relationship, whether you’re in
the 8(a) program or the All Small
Program, the base term of that mentor-protege
relationship is three years. The mentor and protege if
things are going well at the end of those three years,
they can request to have the mentor-protege
relationship extended for another three years. So mentor-protege
relationship could be good for up to six years. But during the time, it’s not
like SBA just approves them and sends them off
and says, hey, go get as much business
as you can. Every year that they’re in
the program on the anniversary of their approval date, they have to complete a
mentor-protege program evaluation report. And we review that, see
how things are going, how many contracts they’ve
gotten, subcontracts from their mentor, how many
proposals they’ve submitted on and how many they’ve
won or lost. And if we find that the mentor
has not provided the assistance that was set forth in their
mentor-protege agreement or the assistance hasn’t helped
the protege, then we can decide to terminate that relationship. And we send a letter to the
protege outlining our findings when that evaluation
report is complete. So in summary, these
are SBA regulations, some of which I referred
to, some of which I didn’t, but it’s a handy slide to
be able to just go and look up the different sections
that you might need to look at in 13 CFR when you’re working
on something related to the SBA. And here are some fast facts about our mentor-protege
participants. This slide is a little bit,
I don’t want to say dated, but we have more
up-to-date information about how many applications
have been approved. When this was submitted to
Maureen for the presentation, we had 547 approved proteges,
mentor-protege relationships. We’re now up to 572. So we do get a lot
of applications. Our program has grown
pretty fast in the year plus that we have been in business. But these are the approved
protege categories showing who our portfolio is made up
of and by just a little bit, our biggest group of participants are
service-disabled veteran-owned small businesses. Next after that are 8(a)
businesses that have chosen to come into the All Small
Mentor-Protege Program rather than the 8(a) Mentor-Protege
Program. And this is information about how many applications
are generally approved, how many have been declined, and how many roughly
we have pending.>>So what makes
them like decline it?>>What are the reasons why
they be declined is because they when we get an application, if
we need further information, we send a letter out to the
firm and give them ten days to respond and sometimes for whatever reason,
they don’t respond. If they don’t respond within that time
frame, we decline them. Other reasons would be if we
[inaudible] provide evidence of experience in the –>>All guests have been muted.>>And the experience
like on the protege level or at the mentor level?>>I’m sorry. Say that again.>>So the experience in
the NAICS code will be at the protege level
or at the mentor level?>>At the protege level.>>So they have to have some
past experience or performance?>>Yes, exactly. And then these are resources
that we offer to the proteges to or we refer the proteges
to if they need help in putting together their
application for the program or if they have questions. And then is our contact
information. We have several different email
boxes because as we’ve grown, our main email box is
the [email protected] And here’s the link
to our website as well as for the annual reports, we have an annual
reporting mailbox. And when a joint venture is
participating in our program, they also have reporting
requirements. They have to send in
quarterly financial statements to our office as well as annual
performance of work requirements because there are certain
requirements for a joint venture that it has to be
at least 51% owned by the small business managing
venture to the joint venture and it also has to be
performing certain percentages of work making sure that the
small business participant is doing meaningful work on the
job and is also learning.>>Okay. I have a bunch
of questions for you. They’re coming in, in a
variety of different ways. So let me start off with Trish. She’s the one that had asked
about, she was concerned about the financial security
of the small companies when they’re doing
their, you know, perhaps their first
government job and it takes a long
time to get paid. She wanted to know would bonding
cover the government 100% if the contractor
defaults on the contract?>>Well, that’s a good question. That would really depend on
how the bonding was set up. So we don’t get into the
particulars of, you know, because when a joint
venture is formed, that joint venture is a limited
purpose entity generally to go after a specific acquisition. So I would say that
the language that’s in the solicitation
should cover, meaning were I the
contracting officer, I would try and make sure that it covered
if a joint venture was proposing that joint venture I guess
would have to make sure that there were both a bid
bond to cover bidding problems as well as payment and
performance bonds for 100% of the contract value. So yeah, you could ask for the
joint venture to have that.>>Okay. That sounds
like a good easy answer. Okay. Then the next one is, is there a concern
about — I’m sorry. There’s a variety coming in in
a variety of different formats. Oh, someone wants to know since you’re now evaluating
these companies that are being, that have been accepted into
the program, how are they doing?>>Good question. We are just in the midst
of as we’re getting in our first year starting
with our impact data from the annual evaluation
reports and they’re doing really well. We’re pleasantly surprised by
how many offers they are putting in as joint ventures and how
many are getting accepted or getting contracts
and adding jobs. So they’re doing well.>>Okay. Great. And then one last person just
made a comment that said, they assumed from the title
that the mentor had to be small as well as the protege. Are you finding that
that is a concern?>>Good question. No. The mentor actually
can be large.>>Right.>>And a lot of times is. It’s just that we
like to emphasize that the mentor doesn’t
have to be large, it could be another
small business. We have seen a good deal
of graduated 8(a) firms that are now serving as mentors
to other small businesses.>>Okay. Good. Are there any questions
from the audience? If you don’t want to type your
question in and have me read it, then you’re welcome,
we’ll unmute you and you could say your
question out loud. So we’ll go through the unmuting
process and go from there. I see a raised hand but I don’t
see a question in the box yet. So let’s just wait a second.>>Mute off.>>As a government employee, what or how we can help
the Mentor-Protege Program?>>Allow government
employees to — I’m sorry. Allow mentor-protege
participants in any acquisitions
that you have. Take a look at, you know, when you’re doing your market
research, you can take a look at the list that
Maureen has included, that All Small Mentor-Protege
Approval List. We update it each month. It’s on our website
and it shows the teams that are already approved
in our program as well as the NAICS code that
they applied under but just because a protege applies
in a certain NAICS code, that joint venture
is not limited to those NAICS codes
to be able to bid. It can bid on any NAICS code
that the protege is small for. So you can use our list as
part of your market research to see whether or not you’d like to set aside a
particular acquisition for a small business, a HUBZone
joint venture, for example, or 8(a)s and if you
have questions, send them to our email
box and or, you know, our phone number
is on Maureen’s, somewhere on the presentation
but if not, you know, always give me a call
too and ask questions.>>So this is the first time
[inaudible] acquisitions, this is the first time I’m
seeing this mentor-protege list. So has there been any
communication done so that all of government [inaudible]
acquisitions that there is something like
this program and to look at this list even
before [inaudible] part of the market research
like do the caller and all those people
know like the contracting to distribute this or at
least point them to there?>>Well, we are working
with GSA to do this webinar. We’ve also been on what’s
called First Wednesdays, another webinar program that SBA
has and we actually are going to have another, we’re going to be [inaudible]
the first Wednesday of August talking
about the program. We’ve gone out and
done a lot of outreach to various contracting agencies
and commands and we also were on another GSA gateway
presentation for construction and [inaudible] a
couple months ago. So we are working to
get the word out as much as possible but, you know, any time that we have
the opportunity to talk about it, such as this, we are.>>So there is something
[inaudible] which we have and we look in to for
any kind of set aside, the set aside may not
be just for 8(a), right, it might be for everything else. So something on that source may
have that [inaudible], right. So even before I start thinking
about this, we can go and reach out to that market research
and say, hey, let me first look into this and then go out
and do my own research.>>Okay, that’s a good
thing to know about. Thank you.>>Okay, so there’s
another follow-on question about bonding. If there’s no bonding, what is
the financial accountability of the mentor?>>If there is no bonding,
the financial accountability of the mentor and protege if they form a joint
venture would be covered in their joint venture
agreement. So if there is a concern
about the mentor has to be of sound financial backing. That’s part of what we do as
our review when they’re applying to the program and each
year that they participate, they have to certify that
they are in, excuse me, good financial standing
and strength. And if there is a
concern, that would be one of the reasons why we might
discontinue their participation in the program.>>Okay. Alright. Are there any other questions? And if you have a question, you
can speak it as well as type it. So this is your chance. I would also like to
encourage you to fill out the questions we have
on the screen right now that are giving us some idea about how well this webinar
met your needs, what you would like to see in the future,
what we could do to improve. Those are always
really helpful for us and we really appreciate it. And I can tell you that only
32 people have put their email into the CLP credit box. And routinely after a webinar,
I get many concerned questions about why people didn’t get
their CLPs and it’s often because they didn’t give
me their information. So if your email address
is not in this CLP box, then I won’t know
to send you a CLP. So if you could please do that,
that would be very helpful. That’s also very important if
you’re attending this seminar as a group because I will
only see perhaps one name on the sign-in and the rest of the people would not
be reflected in my list. Okay. I think we covered most
of the questions that were asked and we got a really great
recommendation or two about the [inaudible]. My boss has some terrific ideas about how we can
promote it through GSA. So that was really good. I’m going to be writing an
article about the program and I’m going to be putting it in the Professional
Services hallway of the Acquisition Gateway. I will try to keep an
up-to-date list of the companies that are approved and I will
do that as often as I can. And so that will be a
reference that you could go to. But always the Small Business
Administration would be your best reference, right. That’ll be the most up to date.>>Yeah and if you do get
an offer that’s submitted and you have questions
about, you know, oh, right now since the program
is not yet in sam.gov where there’s a spot
that they can check that they’re an All Small
participant, we tell them to include the letter
that they get from us approving their
joint venture, I’m sorry, not their joint venture, approving their mentor-protege
participation in their bid or offer when they submit it. And if you ever have a
question as to whether or not that’s valid or just
any question, you know, shoot an email to that
[email protected] email address.>>Perfect. Okay, this is kind
of a countdown. You got like five more seconds. Do you have any more questions? We have time. And I think this was very,
very helpful for many people. It certainly has shown
a light on a program that we can help I
think from our end. So I am happy about that. Okay, I haven’t heard anything or I don’t see any
more Q&As from anybody. Sandy, thank you so
much for doing this. I think it was really important
and clearly we’ve reflected that we needed your information. We will try to promote
you in the future.>>Okay, great. Yeah, I’d be glad
to do it again. Thank you so much,
everybody, for tuning in and any opportunity that we
can help you [inaudible] this program to help you
guys meet your goals and to help small businesses get
more business is a great thing. So please feel free to
send us an email, call, or if you have an invitation
where you have an event that you might want
us to come in person or do a webinar again,
please let us know.>>Thank you very
much, everyone. Have a good day.>>Okay, thank you so much. Good afternoon.

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