In this episode of the Connect and Collect podcast, we sit down with Chris Benson, Vice President of Collections at ORNL Federal Credit Union, to explore the evolving landscape of collections in a digital-first world. Chris shares his insights on the critical role of staff engagement and personalized communication in effective leadership. He discusses how adapting collection strategies to fit a digital-first approach and leveraging technology can enhance operational efficiency and minimize risk. Chris also underscores the importance of collaboration, mentorship, and giving back to the credit union community as keys to professional growth and organizational success.
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00:00 Introduction
02:11 The Importance of Staff Engagement and Personalized Communication in Leadership
06:16 Adapting Collection Strategies to the Digital-First Environment
09:11 Collaboration, Mentorship, and Giving Back in the Credit Union Community
13:24 Implementing Systemic Efficiencies and Leveraging Technology in Collections
21:23 Building Strong Relationships for Success in the Credit Union Industry
Host: [00:00:00] Welcome to the Connect and Collect podcast brought to you by Lexop. Connect and Collect is a podcast created with the credit union professional in mind. Our goal is to bring you the latest innovations and trends in the industry by speaking with incredible credit union leaders so you can hear what's happening at the ground level.
Here's your host, Michael Pupil, Vice President of Sales at Lexop.
Michael Pupil - VP of Sales, Lexop: Good morning. Good afternoon. Good evening, everyone. Welcome back to Lexop's Collect and Connect podcast. It is good to be back in action with everyone and a lot of fun to introduce our guests today. My pleasure to introduce Mr. Chris Benson, Vice President of Collections at ORNL Federal Credit Union and the President of United Creditors Collect.
Michael Pupil - VP of Sales, Lexop: Chris brings over 20 years of experience in collections and delinquency management, and has dedicated the last 15 of those years to credit union space exclusively. [00:01:00] He has a proven track record of establishing recovery teams, managing the legal process, and implementing advanced collection strategies and technology.
Michael Pupil - VP of Sales, Lexop: A graduate from the Western CUNA Management School, Chris is passionate about being, building strong relationships and mentoring his team, helping them both excel professionally and personally, is amazing. Chris, it is great to see you again. I know it's been so long since we've last chatted, but thank you for carving out some time for us.
Michael Pupil - VP of Sales, Lexop: And, I guess a big welcome to the state of Tennessee. Good to have you, sir.
Chris Benson, VP of Collections at ORNL Fed. Credit Union: Thanks, Mike. I appreciate it.
Michael Pupil - VP of Sales, Lexop: Amazing. And just for everybody's notification, you've been with ORNL. How long has it been with with the credit union?
Chris Benson, VP of Collections at ORNL Fed. Credit Union: Been here for about three and a half weeks.
Michael Pupil - VP of Sales, Lexop: So now everybody understands the big thank you of, uh, of Chris carving out some time as he's getting a sea legs under him.
Michael Pupil - VP of Sales, Lexop: And we've spoken a couple of times before, and this is not something new for you, Chris, you've got a lot of experience. And maybe I'd love to start with your approach on leadership and [00:02:00] engagement of the team. We spoke about this and I think it is incredibly interesting. I think we have a lot of similarities in terms of how we see things, but I'd love for the listeners to hear your approach on how you see the importance of staff engagement.
Chris Benson, VP of Collections at ORNL Fed. Credit Union: Yeah, staff engagement's huge. Obviously, they're kind of the brains behind the operation, day to day, communicating with members, and kind of helping keep things afloat. And it's extremely important to engage with them on a regular basis, because if you don't have active engagement with your staff, you'll have disengagement.
Chris Benson, VP of Collections at ORNL Fed. Credit Union: And when staff is disengaged, you're disengaged. They generally don't have a strong output of work. So it's extremely important to kind of take a personalized approach to how you communicate with each employee. It's not a one size fits all approach, because everybody prefers different styles of communication and learning.
Chris Benson, VP of Collections at ORNL Fed. Credit Union: So it's extremely important to have that, through kind of newer engagements. So for me, like I mentioned, I've been here for about three and a half weeks. My goal is to meet with each of my staff members one on one, get an opportunity to get to know them better [00:03:00] and understand a little bit more about what their learning style is and what they want to accomplish within their career.
Chris Benson, VP of Collections at ORNL Fed. Credit Union: So again, having a personalized approach is very important.
Michael Pupil - VP of Sales, Lexop: They're lucky to have you. Cause I got to tell you, at least in my career, I have not had, you know, every leader take that approach. I think you do an excellent job of balancing both the personal and the professional. And I think it goes a long way that when you show that you care about your team, your team cares about you, you're all in it together.
Michael Pupil - VP of Sales, Lexop: Certainly nothing in life goes as smoothly all the time. Nothing breaks down. And I think that's where build that loyalty to your team, where everybody wants to pitch in when you hit a bump in that road. I think you do that very well. We had a speaker not long ago, Brittany Harbalik.
Michael Pupil - VP of Sales, Lexop: Who was talking about a lot of the mentorship, the training, she spoke a lot about the personal connections leveraging into, you know, kind of work. I'd love to know, maybe a tip or trick, is it just, you know, carving out time, one on one, or do you do something that is, [00:04:00] uh, you need like in your three and a half weeks, I imagine you've probably made your rounds.
Chris Benson, VP of Collections at ORNL Fed. Credit Union: But you know, what have you found to be the secret to success? Because like you say, everybody is a little bit different, you know, where do you start? know, if you take a genuine approach to wanting to get to know them better, it'll be received very well. For me, I don't sit in my office all day. I want to make sure that I get out on the floor, engage, see how everybody's weekend was, and, again, showing a genuine interest in, you know, not only themselves, but, you know, their personal and professional. And if you don't take that approach, for me, I feel as if you don't get that, you don't get that full buy in because there are times when many leaders have more of a micromanagement style to leadership.
Chris Benson, VP of Collections at ORNL Fed. Credit Union: And, for me, that doesn't work. You hire staff to do a certain job, you hire them to perform a certain way. And if you're constantly looking over their shoulder, it generally does not produce a positive output of work. So, if you show a genuine interest in, you know, their success, it goes a long [00:05:00] way.
Michael Pupil - VP of Sales, Lexop: I couldn't agree more. I guess it's prescribing the balance of those that need more oversight and help and coaching and mentoring to those that, know, you can hand them the keys to the car and let them drive and do their thing, and everybody in between. Very appropriate style, I would imagine, because, like you say, it can't can't be copy paste and one size does not fit all. Maybe translating that to collection strategies. One size does not fit all. I think we're in a very interesting time of organizing, creating, and deploying different channels of communication. How have you, adjusted your collection strategies over the last couple of years, to get that operational efficiency?
Michael Pupil - VP of Sales, Lexop: Talk to me a little bit about that because that is your bread and butter.
Chris Benson, VP of Collections at ORNL Fed. Credit Union: Yeah, that's a great question. I mean, a lot of what we've seen over the last few years during COVID is being very much driven digitally. And the face to face interactions [00:06:00] were obviously limited for a period of time, and I think that affected all areas of the workforce. And we talk about from a collections perspective on the strategy side of things, the smile and dial approach isn't as successful as it once was.
Chris Benson, VP of Collections at ORNL Fed. Credit Union: Because let's face it, somebody calls you on your cell phone, you see a number that you don't recognize, you're not going to answer it. You're going to wait for it to go to voicemail and see if it's someone you want to talk to. So you have to find different ways to connect with members.
Chris Benson, VP of Collections at ORNL Fed. Credit Union: You have to have more strategies when you reach them. And having the right partnerships in place with vendors is extremely important, especially in this day and age, because we're in a digital-first environment. People want to bank how they want to bank. And if you aren't adapting to the current technologies or, the current wave of what is expected from a consumer perspective, then you're behind the times.
Chris Benson, VP of Collections at ORNL Fed. Credit Union: And if you're behind the times, especially on the collection side of things, that could cost you millions of dollars. So having the right strategy in place is key when establishing, your day to [00:07:00] day.
Michael Pupil - VP of Sales, Lexop: So many insights there. I'd love to unpack a few comments that you had. Maybe first, which I think is probably going to be, you know, the most now comment, you know, post covid we've been removed from that for a little while. However, I do think you're 100 percent right in saying, you know, digital first movement, and that was hyper accelerated during covid. Because the traditional face to face had to stop in a lot of places, short time, long time, whatever, whatever the period. It was a hyper injection of a need for digital outreach. And going back has always become a little bit more difficult.
Michael Pupil - VP of Sales, Lexop: We see that with work in office, digital technology specifically. I think it has also created a very interesting economic climate, and I'm not asking you to try to predict the future, I think none of us can do that pretty well, but, now we have election, you know, season that's in full swing, and not to get political, but what do you feel is, the most important communication to members?
Michael Pupil - VP of Sales, Lexop: When reaching out to [00:08:00] them because of the need for this adaptability of, post COVID technology driven first economic changes that are coming through, you know, how do you lead those factors into the team, what do you communicate and how are you tackling what is probably one of the more interesting times, you know, economically and certainly with collections, mostly in that purview.
Chris Benson, VP of Collections at ORNL Fed. Credit Union: Yeah, I mean, the kind of the post COVID era has opened a lot of eyes, even for myself. I've been in the collections industry for over 20 years, and I'm very much a, in the office, you know, five days a week type person to have the engagement, the collaboration, but being adaptable in a sense that having a hybrid work environment has more benefits than just being in the office.
Chris Benson, VP of Collections at ORNL Fed. Credit Union: So, for example, if you have somebody that is new to the organization, it's great to have inner office collaboration with regards to training, needs, and development. But what COVID taught us, at least taught me, is that, the workforce has changed.
Chris Benson, VP of Collections at ORNL Fed. Credit Union: And [00:09:00] when the workforce changes, you have to be able to adapt to the new surroundings of what others expect. And, you know, quite honestly, if you manage it correctly, working from home is not a bad thing. you just have to be able to have the right infrastructure in place. And for me, as long as we're able to serve the member, and the member is our priority, and we're able to accomplish what we need to do on a daily basis, then I'm okay with that.
Chris Benson, VP of Collections at ORNL Fed. Credit Union: I think when you look at the digital environment, members want to, they want to bank how they want to bank. And if you're not giving them those self serve options, because let's face it, nobody wants to talk to anybody anymore.
Chris Benson, VP of Collections at ORNL Fed. Credit Union: Everybody wants to do things through text. So if you're able to communicate through text or, if you're delinquent on your loan, be able to, click on a link that allows you to self serve and make a payment, those are all things that in general that consumers are craving right now.
Chris Benson, VP of Collections at ORNL Fed. Credit Union: And if you aren't adapting to those current times, then, you know, quite honestly, you're, you're missing the bigger picture. Because it's not just about the expense associated with the texting. It's [00:10:00] how can you stay relevant?
Michael Pupil - VP of Sales, Lexop: So true. In a, in a prior podcast, we were talking about the hyper growth and the proliferation of the payday lenders that are out there. And today they account for over 20, 000 different ones. In the United States, less than 4, 500 credit unions are left. And over 25 years, that number has completely flip flopped. I absolutely agree. I think what's really interesting in that, is as the employees of the credit union have now this new hybrid and like you say, as long as we're doing the work, as long as people are coming together, there's still that symbiotic energy of people learning from each other on the floor as well as giving them the flexibility to work.
Michael Pupil - VP of Sales, Lexop: Every single one of our members are also going through the exact same thing at their place of work, right? Most jobs still have an element of hybrid. Some are obviously forced to come in every day, Monday through Friday, given the nature of the job. And obviously some credit unions catered to that. But I think it is interesting because it has created a brand new [00:11:00] workforce.
Michael Pupil - VP of Sales, Lexop: And with that creates brand new workflows. Perhaps a car is no longer needed, you know, as much as it was before. Maybe that's the reason for, you know, car payments being a little bit wonky. It could also be the interest rates and the high prices of what they were before. But you never know until you have that communication.
Michael Pupil - VP of Sales, Lexop: And I think the underlying value that you're putting in here is we all know what we need to do. We need to trust in the team that we have, invest in the services that make the most sense. and attempt with our best effort to get that communication with the member.
Chris Benson, VP of Collections at ORNL Fed. Credit Union: Absolutely right. And you know, right now, this time of year, there's a, there's a fear of the unknown. You know, when you have an election year in general, there is a lot of uncertainty and with the interest rate environment, although it's still high, it's improving, but inflation is still high.
Chris Benson, VP of Collections at ORNL Fed. Credit Union: So there's a lot of other factors that, you know, quite frankly, we haven't in, in this era had to really deal with from a, from a consumer perspective, you know, you had the, the [00:12:00] stimulus, funds through COVID. And that kind of helped consumers get through a period of time. But now that we're, out of the covid era, there's a lot of other uncertainties.
Chris Benson, VP of Collections at ORNL Fed. Credit Union: And, you know, depending on what happens this this election year will determine, I think we're consumer's head in the months and years to come. So, we're heading into the busy season from a delinquency perspective. So as long as you are prepped and ready and have the right strategies in place, you should be able to get through it without too many bumps and bruises.
Michael Pupil - VP of Sales, Lexop: I'm with you. I think the back to school and certainly the holiday season that comes in is, uh, is the busiest for sure. And so, when you're trying to piece this together, you've done a lot of work, piecing together the strategy of bringing in different vendors. To, you know, either specialize in the areas that they have.
Michael Pupil - VP of Sales, Lexop: I'd love to get your insights on how you work with various vendors. The evaluation process that you have, you know, what you're looking [00:13:00] for most specifically to bring in. And not necessarily to point that, you know, one versus the other, but commonalities of when you see a group that seems to be bringing the right things to the table and how you evaluate your overall strategy to this.
Chris Benson, VP of Collections at ORNL Fed. Credit Union: Yeah, that's a great question. Coming into a new organization, you have to take a step back and see how things are performing. And when you see that there is a, an opportunity to increase automation or to have, basic systemic functionality, you have to find ways to reduce manual waste.
Chris Benson, VP of Collections at ORNL Fed. Credit Union: You have to improve, and increase automation. So, when you're looking at separate vendors that either I've done business with in the past, or potentially new ventures with vendors that I know of or that you are considering, they obviously have to have a good brand, right?
Chris Benson, VP of Collections at ORNL Fed. Credit Union: They have to have a good product. And service levels for me are extremely important. So if you have a good relationship with your vendor, I look at it as an extension of my business. So if I have a solid [00:14:00] partnership with a vendor, and they do what's expected of them, then I think that's a big sign as well.
Chris Benson, VP of Collections at ORNL Fed. Credit Union: And, you know, I think, lastly, is execution. You know, if our, if our main focus is our membership, and making sure that they get what they need or that our staff can have the tools that they need in order to be successful, to serve the membership or to protect the membership, that's obviously the kind of the cherry on top for me. Is making sure that they have the execution and performance in place to minimize risks, minimize the potential for anything to, to go sideways.
Chris Benson, VP of Collections at ORNL Fed. Credit Union: So if you have a solid partnership in place that has that infrastructure, those are some of the key attributes that I look for.
Michael Pupil - VP of Sales, Lexop: I love it. And I was writing down some notes and broke it down into four very simple, but very applicable, you know, kind of subtopics, which is first take inventory or take a step back, see what's happening. Look to automate and improve the functionality or the efficiency of the workflows. Then [00:15:00] find a vendor or vendors that have terrific service levels and a brand that you can trust. And ultimately to execute and give the team exactly what it is that they need.
Michael Pupil - VP of Sales, Lexop: Those four bullet points seem so simple and yet it requires a ton of work to actually put in place. And again, sometimes things go more smoothly than others for sure.
Chris Benson, VP of Collections at ORNL Fed. Credit Union: I was gonna say the challenge with some people having more of a manual approach to then transitioning to more of a digital, technological, approach going forward, is that there's always a fear of, Oh, my gosh onboarding this vendor, this service to replace me in what I do. And that's not my focus.
Chris Benson, VP of Collections at ORNL Fed. Credit Union: You know, my focus is how can we, how can we do things more efficiently, more effectively, and, you know, like I said, work smarter, not harder. But also, you know, as volumes increase, maybe slow the need of needing to have, having to need to add FTE. So if you kind of slow that down by leveraging more of the technology, you get more buy in from staff when you see that it's a complement to [00:16:00] their day to day as opposed to a method to replace staff.
Michael Pupil - VP of Sales, Lexop: Yeah, I think, uh, you know, funny enough, and it may sound counterintuitive, but you also get more buy in from the member to have a stronger relationship with the credit union as well. Which is ultimately what you want. I pick on this analogy all the time, because I find it very applicable. But before, a number of years ago, I worked with a different company, selling e signatures. And I can remember years ago, 2016, 2017, before electronic signature was cool, you know, the, the pushback from credit unions, literally saying, how dare you, we want you to come in, we want our members to come in and sign for the car loan or stop by.
Michael Pupil - VP of Sales, Lexop: Now today it's almost 100 percent of credit unions utilize the electronic signature and especially during the COVID area where you could not, you know, share a pen for fear of a whole bunch. But what that did allow, funny enough, was not an alienation of the member. But rather a very good service that [00:17:00] was provided to the member allowing them to now communicate different topics that they wanted to engage in not necessarily just signing, you know, paperwork. And I see the same thing on the collection side where these technologies, the aim of this is not to either take away jobs or, you know, eliminate FTE But rather service the member in a channel that they prefer and choose. Which then allows You Other members who are not engaging in that channel to spend more time with member solutions or the service team at the credit union to discuss a more complex problem.
Michael Pupil - VP of Sales, Lexop: If anything, it actually increases the relationship and increases the empathy and the humane approach of communication because it allows the team to spend more time with those that actually need it.
Michael Pupil - VP of Sales, Lexop: So A hundred percent. And that's why that strategy is so important, right? You know, if you just blast out emails or texts to every single person within your membership or that is delinquent, you're kind of missing the [00:18:00] boat there. You want to make sure that you are able to have more of that manual touch with you know, maybe higher risk members that truly need your help.
Chris Benson, VP of Collections at ORNL Fed. Credit Union: So that's a great point.
Michael Pupil - VP of Sales, Lexop: I'll flip my phone here for a second just to prove a point. I've got three text messages that are on here and over 10, 000 emails that are not open. The three text messages, my palms are sweating and I can't wait to see it. The 10, 000 emails, I sleep like a baby at night. Maybe that is not. Maybe that's not best practice for everybody, but, I agree with you. Sometimes the communication is on overload. And it's balancing what you're sending, how you're sending it, how you're engaging with the member. And then you start to create a relationship of communication. Then the topic is up to you guys.
Michael Pupil - VP of Sales, Lexop: And I would imagine that there's a lot of conversations that are happening about, what is the economic forecast? Does the member have the right products in place? There could be, you know, a proliferation of different acquisition that is in there. [00:19:00] And hopefully what that translates into is word of mouth that goes into the community to bring in more members.
Michael Pupil - VP of Sales, Lexop: I don't know what the statistic is, but the creation of new credit unions is almost nil, over the last couple of years. Most growth for credit unions comes through MNA, which is probably why these payday lenders are expanding so rapidly. So anything we do to help push the credit union space in that area, instead those guys, I'm probably going to get hate mail from some of those groups, but that's all right. We get the kind ones from you guys on the flip side.
Michael Pupil - VP of Sales, Lexop: Chris, talk, talk to me a little bit about some of the projects that you're doing now. I know, you know, you've just moved to Tennessee. You've been there for three and a half weeks. You know, what is the, the one, two or three things that are most critical on your plate that you are tackling today that you would love to be able to put in place by the end of 2024? 2024.
Chris Benson, VP of Collections at ORNL Fed. Credit Union: Yeah. I think, right now it's systemic efficiencies. So we're in the process of onboarding Akuvo for our collection platform, which is going to be a huge lift to, not only our [00:20:00] staff, but just to our future growth. And with that, you know, we're in the process of also getting texting. So that way we can, again, have members. And then lastly is figuring out what we're missing.
Chris Benson, VP of Collections at ORNL Fed. Credit Union: And I think that I mentioned earlier, there's, there's been some manual processes and our goal is to kind of get away from the manual spreadsheet tracking of, you know, repossessions or, you know, charged off loans. So we're trying to be more efficient and effective with what we're doing on the backend.
Chris Benson, VP of Collections at ORNL Fed. Credit Union: So I think it's a lot more than just three initiatives before the end of this year. But having a technology first approach to our collection platform allows for us to build off of leveraging those technologies on a regular basis. So finding out, you know, different ways to engage with collection agencies.
Chris Benson, VP of Collections at ORNL Fed. Credit Union: The list is big, but prioritization definitely [00:21:00] starts with having a stronger collections framework to work out of. And then leveraging the technologies to better serve our members. That's kind of my top two priorities at the moment. And then from there, we'll let the chips fall where they may.
Michael Pupil - VP of Sales, Lexop: Lots of subcategories in those two umbrellas that you mentioned. So for sure, I think, ORNL is incredibly lucky to have you. I know they are. You've proven it time and time again. I also want to make a personal thank you to you, As president of UCC, you had me speak at the inaugural event.
Michael Pupil - VP of Sales, Lexop: I think it went off fantastic. And I hope that we get to see each other at more events. And nowbeing transplanted into Tennessee you fall, there's other events in all of these things. You're pretty adamant about the education process. I'd love to, you know, talk about, your support of why, you know, events in general help you. What that does for even staff members.
Michael Pupil - VP of Sales, Lexop: And there's such an amount of different resources that are out there, webinars, things that are paid, things [00:22:00] that are free. What is it that speaks to you personally about these events in the industry? What do you get out of them yourself?
Chris Benson, VP of Collections at ORNL Fed. Credit Union: So for me, collaboration's huge, whether that's inside the office or outside the office. Sharing knowledge and experiences and different trends of what's happening within my organization or maybe what I've kind of picked up on just through, you know, reading different articles or what have you.
Chris Benson, VP of Collections at ORNL Fed. Credit Union: But, you know, collaboration is huge and kind of, I don't want to say being a mentor to others outside of the organization, but, you know, kind of by default, as you start to build some of these connections, you end up having more regular conversations and I think building your network is also a big part of it.
Chris Benson, VP of Collections at ORNL Fed. Credit Union: But I like to give back, you know, I look back and how I got into the collections industry and it's a, it's an interesting story. I won't go through it too much, but you know, I'll just say this, that there came a time where somebody believed in me. Someone that had seen something that I probably hadn't seen at the [00:23:00] time and they gave me the chance.
Chris Benson, VP of Collections at ORNL Fed. Credit Union: And I took that to heart and I still do. I never forget where I came from. And as you start to go throughout your career and you have opportunities to share your knowledge or provide guidance to others that will help them, you know, further their career or help them be more efficient and effective at what they do, to me, that's a part of the whole full circle process.
Chris Benson, VP of Collections at ORNL Fed. Credit Union: I think as somebody who's believed in me, I want to make sure that others feel as if I see the same in them. And if I'm not doing my part and giving back to the credit union community, I feel as if I'm not doing my part. So for me, I love the collaboration. I love the engagement. I love connecting with others.
Chris Benson, VP of Collections at ORNL Fed. Credit Union: Having you speak at our inaugural conference this past March was great. And it gave me the opportunity to connect with new people. And it's opened up a lot of different doors. And, you know, I'm very thankful for even this opportunity for, for [00:24:00] allowing me to come onto your podcast and be a part of this.
Chris Benson, VP of Collections at ORNL Fed. Credit Union: Cause it's, again, one of those things where I look back and you can't help but smile. And I think for me, giving back is huge.
Michael Pupil - VP of Sales, Lexop: Well, you're proving it three and a half weeks into a new role and you're carving a little bit of time for us to share the insights and to give back and to provide some of those pieces. And knowing you personally and having, you know, shaken your hand, I think the way that you carry yourself as well is that open, transparent. Let's collaborate. Let's discuss. Let's share information.
Michael Pupil - VP of Sales, Lexop: And that's how everybody becomes stronger. We'll certainly have all rivalry during the hockey season as we have two different teams, but Chris, I come to think of you as a colleague, a friend, somebody that I can turn to, to ask questions and hopefully you feel the same way.
Michael Pupil - VP of Sales, Lexop: I think it's, uh, there's a lot of mutual respect and it's I and we that should be thanking you for carving out some time to [00:25:00] share with the group, you know, what, what your plan has been, how you tackle things. And I hope that this, uh, this channel does serve for you to be able to create new contacts on the credit union side or anybody that is listening to this.
Michael Pupil - VP of Sales, Lexop: And certainly when we see each other at events, you're pretty sociable as well. So it, uh, no doubt you'll, you'll make a number of new connections.
Michael Pupil - VP of Sales, Lexop: On that note, Chris, I want to thank you for, uh, for carving out some time. To the listeners that are out here, this is Chris Benson, Vice president of Collections at ORNL, federal credit union based in Tennessee.
Michael Pupil - VP of Sales, Lexop: I'm sure you will be seeing his face, his name in the industry for many years to come. At least that is, uh, that is, I think his goal as well as ours. Thank you for for attending. We will see you guys next month on our next episode of connect and collect for Lexop. So this is Mike Pupil, uh, with Lexop.
Michael Pupil - VP of Sales, Lexop: Thank you so much for attending and we'll see you next time.
Thank you for listening to the Connect and Collect podcast. Find show notes and other resources for this [00:26:00] episode at LexOp. com. And if you enjoyed the episode, make sure to subscribe, like, share, and comment.