In Conversation: T.I., Tony Ressler, Dallas Tanner, & John Hope Bryant

TI is known for his creative talent, the brilliance onstage. He's known all around the world, but they're trying to find a bass young, but they don't necessarily understand his business mind behind that. And what they got to see, because I asked him just to design the panel himself, what they got to see on Wednesday was his brilliant business mind.

No, I've been sitting in the back and I tell you I have been fascinated. This has been, I mean, I've never been in a situation like this last few days. And with J.D. Vance, Hillbilly Elegy, relating this so that what we're talking about is not race, we talk of my life. Yeah, I mean, this has been America at its best.

Thank you, thank you. And these are some of my favorite people. So before Ambassador Young interrupts me, which will be in about 30 seconds, I'll just say that TI, who I love increasingly like a brother, and he's a great father too. He had his children with him at the session on Wednesday, and I can tell you he's raised them right. They're really upstanding young people, respectful. He's got them focused on education. And he's saying, 'Don't expect me to take care of you for the rest of your life. In fact, I need you to get education so you can take care of me.' And he's raising them right and putting them in situations like this so they understand that business is not just, I mean, life is not about glitz and glamour. It's, you know, go do that, go party. But the dictionary, Tony Ressler taught me this, only in the dictionary does the word success come before the word work because it's alphabetical. I think, whoops, I screwed it up. Anyway, I was just commending that I think TI is a really well-rounded person who understands business and has fun too, but is building something that has substance to it. He owns his masters, he owns his brand, your Trap Music Museum is created, which is in the black now. And so we're gonna have a conversation today about building bastions. Build the city. Tony Ressler, go to everything. Tony Ressler, a company with 120 billion dollars in assets. You've been to Neiman Marcus, he owns it. You've been to, I mean, there's 150 stores that candy, more than, they're like, yeah, it's a hunger to be. Stores that Tony quietly owns. Ares Management is invested in thousands of projects around the world. And then he of course owns the Hawks and his brother and him are innovating this city within the city, which he will tell us about, hopefully, The Gulch, which is a great project which will create 30,000 jobs for folks in Atlanta, 40% of which are going to be minority set-aside contracts for people of color.

Dallas Tanner started in real estate with a trailer park basically, and I think it was like two initially, trailers as a business idea with nothing, and has grown that from a trailer park. Listen to me now, Dallas Tanner, 38 years old, 39, as of Monday, 39, happy birthday, has grown that into a company with assets of 24 billion dollars. And the company is now the largest startup in Blackstone's history. It's called Invitation Homes. Go on your phone and check out Invitation Homes. It's publicly traded. The founder of Invitation Homes flew in just for this. So we have the largest REIT in his space in the world and one of the top five in America in real estate. Dallas Tanner, we have one of the biggest builders of business in the world, Tony Ressler. We have one of the builders, the original builders in entertainment business, TI. I've built a non-profit and other things. And my hero here built the only international city in the South. So really this is about, as we close this up, as we close this, by the way, have you guys enjoyed this forum? You want us to do it again? I think this is really about giving people the tools. It's got the clouds, giving people the tools. And Tony, some hard truths about what it takes to build something from an idea, just something that is sustainable. Because as Tony reminds me, I can give you charity, but you're gonna be begging for the rest of your life. Let me help create some black capitalists who can take care of themselves and then take care of their community on a sustainable basis. Let's hand out fishing poles to everybody in our community. So let's let the conversation begin. You, the elder statesman, I really have learned more this week than many weeks in my life. And I first think about what we had up here today is J.D. Vance, the Hillbilly Elegy. Yeah, brilliant. I mean, that is America's problem, not at all political. But he's writing about what Trump considers his base, but what he's doing with it is what the government should be trying to do. He's trying to develop jobs. Twitter, I don't know about the square, and I don't know about all of this technology, but both of those guys ended up coming back almost to where Deepak Chopra was in terms of the spirituality. He may not know it, but one of the reasons I like his basketball coach is the guy has got, we've never talked religion, but he's got a kind of soul power that he just infuses into these young kids. And you got everything from the youngest kid in the league to the oldest guy in the league who's been all over the world, and they sit there hanging to become a team. Now that's what sports and business and spirituality and life coming together here this week has made this a great success. And I'll shut up and thank you all for doing what you do and just keep on doing it. And the eighth, thank you, the eighth and ninth choices is intended, eighth and tenth choices is somebody else's number. You got your number one and your number two and bring it on home to us.

The draft. Okay, all right, look, translation here. So Tony, let's really start this off with you. You told me in one of our many conversations, if America wants to have social justice today, we got it. We thank God for Dr. Martin Luther King Jr., thank God for Reverend C.T. Vivian, for Mrs. King, Coretta Scott King, thank God for Dr. Dorothy Height, thank God for Ambassador Andrew Young, all the heroes and sheroes, John Lewis, etc., who put the foundation in place for basic human dignity and civil rights. But now we have to switch to what I call civil rights and moving in the suites, not just the streets. A movement about class and poverty, not just race and the color line. Those require a different movement, that requires a different set of skills and a different maybe approach. And you said, you suggested an approach I thought was mind-blowingly powerful and simple about if we want to pursue social justice in a successful way in the 21st century, we need to focus on, I think you told me three things, but you'll correct me. What were those, Tony?

So he walked right past this magical story that he didn't really tell. So I'm gonna embarrass him. So I go to Tony's office 'cause he's rich and I wanted some of his money. I like him too. But by the way, there are no ugly billionaires ever. They're all handsome or pretty or whatever. So you know, so Tony was handsome. I don't want to go, I don't see Tony, sexy, I want to go see Tony. And so I go, I go to Tony's office. I fly to LA. I got my PowerPoint presentation. I got my notes. I'd emailed him stuff. He hadn't looked at none of it. So it's robbery, you know, I'm trying to get him to donate some money to Operation Hope. I walk in, I'm looking for $100,000. Now flowing all the way from Atlanta to LA. He sees me, you know, give me 30 minutes for me. And he's always been generous, by the way, too. He'll always give us something. So he says, 'Look, look, John, I'll give you $50,000 basically when you get out of my office. I'll pay you to go.' He says, 'But what else you got?' Like, you know, we can do this game right and I'll see you once a year. And I look at my watch and, you know, but you're not being taken seriously. He didn't say this, I'm inferring this, but you're a smart guy. What if this is a non-profit? This is what I got, this business thing I'm doing has nothing to do with Operation Hope, but I'm trying to prove Operation Hope for a long time. And I think I found a way to do it and to have some private assets. I want to own some homes and I want to lease them and it'll give me my own net, you know, additional net worth and so on. So of course, I've been out of my own business for 20 years. He's doing Operation Hope and I was really an entrepreneur. He says, 'Well, we know, what are you looking to do?' I said, 'Well, I'm gonna probably put a, you know, a couple million dollars into this new business.' He said, 'I'm in.' I said, 'What? I didn't ask you for anything.' He said, 'I know, but I'm in.' And so, 'What are you in for?' 'I don't know, what do you need?' I said, 'Well, I don't need any, that we, your partner Tony, Mike already is putting in, you know, a million five. I'll match it.' That took three minutes. Now I've been, I've been chasing them, emailing them, texting him. I went to his house, went to a game. I didn't understand if I could, listen, no, we could get into the business agreement and the business idea, which was John's, was said that if I had a bunch of money and I could leverage that money and I could buy homes to rent attractively because of who I am, where I live, and what I can do, we can make some money. So to shorten the story, we said if we come up with 25 million dollars of equity and we could borrow 50 million dollars of debt from a bank attractively and you could buy homes and run them, excuse me, effectively, two years or three years from now, that 25 million dollars should turn into 50 using the leverage, buying the homes well and running them effectively from a renter's perspective and offering financial literacy to the tenant. So, and by the way, so doing well and doing good. So again, over literally over a two-year period, round numbers, I would say that that 25 million dollars has doubled in value. His tenants have become far more financially literate. He's built a real business and it was from his idea, his sweat, and access to capital that was reasonably priced. And so, and so, so in the last part of this funny story, we're on, I'm driving from the, I'm in New York and he had offered regionally, you know, it was three million. He said, 'Well, John, it's a great idea. Why should we do three million? We can do 30 million.' He says, 'Well, actually, why should we do 30 million? We could do 130 million.' This is like a conversation on the phone. And so he says, 'Okay, well, do you know, I'm gonna call my banker.' He happens to be the largest client for this bank. He calls the banker. The banker then sees me. They, the next, give me access to that. He waters me to equity. And by the way, he would never say this, I am the majority owner of this company. He didn't have to do it. He could have been onerous about it. His intention was to put me in the game. And the way this deal works is, by the way, if you, well, you get your credit score to 700, we reduce your rent permanently by 10%. And all of the plumbers and landscapers and roofers, all those are minority-owned or local businesses in the neighborhood, games, we've had all in our jobs. And if you rent long enough, you get to own the house that you were renting because you can buy it. It's doing well and doing one thing. I would adjust it. And the truth is, my intention was not first to put you in the game. My intention, by the way, why each other intangible benefit. My intention, my intention was to have a good solid investment opportunity with someone that could build a real business for themselves. And I thought you could do both. And by the way, most opportunities you're gonna find that are attractive should be both. And there's nothing wrong with that. Bottom line.

Yeah, absolutely. Look, that's blunt-force love. Get used to it. You want to be in business, this is not emotional, this is not personal, this is business. And no one wants to hear your sob story about rent's due and, oh, nobody cares. Food, nobody cares. Whatever problems or whatever sorrows or whatever afflictions you have, somebody took those same sorrows and won with them. That's, well, that's what we heard was the Twitter man just now. The Twitter man, that's Witter, made sounds like a new song. Gag dog, what happened? I'm sorry. I think the quickest way to kill a deal is to beat around the bush and tell your personal problem. That's right. That's the quickest way to kill a deal. And don't use 20 words when two will do. No one has time to be listening to all this stuff. You got to say what is the business proposition. It is an end of this story. Can we please start there? And so that's what means, what do you really get, cut to the chase. Is this, can we make money? Does it feel well? Do you have a competency to do it? Do I trust you? And by the way, or do I like you? Because nobody wants to do business with somebody they don't like or somebody who doesn't have passion. Because I keep thinking about what Tony said around access to capital, but people are also looking for people that are passionate. Yeah, you're gonna have work ethic, you gotta have the hustle. But I think one of the reasons I'm speaking freely, 'cause Tony and I have talked a couple of times, we don't know each other all that well, but you know, one of the things that we knew about John, and I think Tony and Mike knew about John or about the Promise Homes idea, was the passion that was gonna go behind it. And so you can make up for a lot of lack of book smarts, lack of experience with passion. I'm convinced. Certainly you need mentors, you need access to capital, but if you don't love what you're doing or love the idea of what you're doing, switch. If you're not passionate about what you're doing, you're not going to put in the time, effort, and energy it takes to learn how to do what you're doing.

Tip, on that point, tell your story because that really is your story. There's the gateway to everything about you. By the way, nice suit. Your story coming up. You didn't come to my bespoke, my haberdashery. I get you fitted inside. All of you guys, you know, Heidi, a key, bring up the absolutely. I mean, we have a cache, whatever you don't, bullion, whatever you have. But no, I don't wanna do no Bitcoin now, right now. But actually, that was under your guidance and, you know what I'm saying, I kind of exited out of, you know what I'm saying, my interest. I never ever had any, you know, to begin with, but I was interested, I was researching and considering, and you said get out of there. Got it. And right now, the blockchain is really solid technology, but the Bitcoin is just, it's just investor speculation right at the moment. It may evolve to retirement, at the moment it's speculation. But don't, don't bet your rent money. But without, but what I was saying is though, so for me, I've always had interest in doing a lot of things, especially on an entrepreneurial level. At fourth grade, I started selling candy. I started selling candy because my father lived in New York, in Upper Manhattan. He was very, very well-off. My mother was on Section 8 and my grandmother lived on Bankhead on the west side. So I'd go from the summer where we had all the snacks and food and cable, every channel, so the stacked to the ceiling, and he'd give me, take me school shopping, give me three, four hundred dollars. I go back to Atlanta, back to poverty. So by the time I was about nine or ten years old, before I got on that plane, well, on my ride, on the plane ride home, I started thinking, how can I stretch these 300 dollars from now until Christmas when I see my dad again? So I took $100, my grandmom would take me to Sam's Warehouse, that's Costco, the old school Costco for young people. And you know, we buy Snickers and Now and Laters and Penny. Oh, and so, and my goal was to make twenty dollars a day. Okay, so I packaged twenty dollars worth of candy a day and I made twenty dollars a day and I stretched that $300 until I saw him again. And by sixth grade, I had people selling candy for me. On the seventh grade, hard, and eighth grade, hard. And that is how I began my entrepreneurial efforts. And but the thing is, I've never had access to any capital other than my own, which is how John and I became acquainted last year. Everything I've done, I've done out of my own pocket. I don't even know how to ask anybody for money because all of the information and the yellow tape that they make me jump through, it makes me feel like, you know what, I'll just go and get the money myself.

You've done that, by the way. You have. He's bought me as a partner for the real estate on the West Side, cash. He's a witch. I want to talk to you about leverage. He's bought, you'd be paying for his trap music using an item. I'm taking it on the... yeah. And we also did what we called the tiny house, the tiny trap, tiny Trap Music Museum that we, it's a traveling small version of the concept. We were just in Myrtle Beach for their weekend. We're going to be, we're taking the traveling to the BET experience. And we're finding ways to make it mobile now. But if you don't believe it, I found that if you don't believe enough in your own idea to put your own skin in the game, then nobody else should. That's right. So I try to lead, I lead with my own.

Absolutely, that is my definite intention. So Dallas, what is yours? Your ingredient, work very quickly. What was your story coming up from nothing and what is your ingredients for the audience for success?

So I'm from Phoenix, Arizona. Our company's based in Dallas, Texas. We have 12 and a half thousand homes here in Atlanta as part of our company. Atlanta is a really important city to our business. And I was always passionate growing up. I was watching my friends, I was watching the dads that could be a practice, were always in real estate. I don't know why, they were always in real estate. My family's background's in construction. So my dad worked long hours and I thought, I got to get into real estate. And so when I was in school, I was always geared towards learning a little bit more around finance. That goes to the passion comment. You know, you start to kind of dive into things that you find, you know, intellectually curious or that they speak to you to some degree, right? We've all had those moments. And for me, it was like this concept of the game of Monopoly. As funny as it sounds, it's like if you're patient enough, you go around the board enough times, you start collecting, right? You'd be smart about the amount of leverage you use. And I found a couple of partners that saw, he was playing the audio, is leverage. Sure. So you know, the nice thing about real estate, yeah, to TI's point, is you don't have to use all your own money. You can borrow if you put yourself in a position to do so. And so you can borrow intelligently. I'm sure Tony's done this the same way. But you know, over time and distance, you get smarter and your access to capital increases and your terms get a little friendlier sometimes, depending on where you are in the cycle and what the opportunity is. But for us, we just, we got passionate around housing, workforce housing specifically. Yeah. You know, our average rent in our first project we ever did, the average person was paying 425 dollars a month. We, I mean, we were not buying Boardwalk or Park Place, right? We were Atlantic Avenue or whatever the first one is. But we found that in that workforce piece, we just got passion around, we start improving communities. And that made us hungry, made us want to go out and find other opportunities, other markets. Then, you know, we went through this nasty housing crisis in 2007 and 8. And we had a little bit of a track record. So this goes to the part about the hustle or just having a little bit of some history. And look, we got really lucky with timing. And I think all of us would tell you there's an element of luck involved in any of our stories. Absolutely. But the only reason you can take advantage of that luck is by putting yourself in that position. That's right. And so for us, which was a very unlucky time for the country, we always joke in a room full of midgets, we were the tallest. We were, it wasn't anyone, they had a thousand homes in one market, right? So we had a thousand homes in Phoenix and we were running them at 96%. And then the Blackstones and the Apollos and all the big, you know, private equity guys were saying, 'Hey, can you replicate this?' Because somebody saw our passion, we had a little bit of a track record, right? They want to start using Stef and run with the story.

This is a really important point. Listen to me now. They saw your success and they wanted a piece of it. Nobody wants your risk. Nobody wants your problems. Nobody wants your complaints. Nobody wants your headaches. No one's trying to solve you and solve your social problems. Nobody's gonna get your business because it feels good. In fact, it's just the opposite. We're doing something. I don't, Dallas, you went from having a thousand homes in Phoenix that were well-run at 96% to 90,000 homes across the country today and being by far the largest in the country, literally utilizing, and I'm saying this in a positive, leveraging other people's money. Yeah. Leveraging other people's money to get to those 90,000 homes. That's not a bad thing. No, it's a good thing. And I just add to your point about timing and just being in the right place at the right time, we put ourselves in those positions by hard work. But that's seven years we did that. Seven years. Who's to say what we don't do over the next 14 years? So let's be pistol here now. Right now, that's what can everybody do right now. So think about some place, I don't know, Nashville, Tennessee, Birmingham. Okay, Birmingham. So you want to go, I'm just gonna be real simple. You want to go to an urban community, preferably a qualified opportunity zone. Absolutely. And up going to an urban community, you want to be able to see downtown from the place I'm talking about. Find a home that's, from the flow of the worst home on the best block, what you can see the buildings downtown. Okay, you want to be within rock throat, you know, as the crow flies, you want to be within shooting distance of jobs downtown. You can buy that little draggedy house with $30,000, $15,000, sometimes less, sometimes less. Buy it, rehab it for 30,000, maybe. Yes, yes, yes. Right, depending on the condition of the house. Okay, so you can all do this. Do the several ways. Whoever in your crew, your family has good credit, it's always one in every family now. That person goes to the bank to try to get a rehab loan for this property. They're putting their credit up, which means everybody's got up to this right now. Write this down. Do not do the hook up. Do an LLC, a limited liability corporation. Put it all on paper so there's no miscommunication. If you have partners, you don't want to get him, he said, she said, oh, I thought this, because when things go wrong, everybody thinks something different. So everybody write it down. Put some money in the pot, even if you just have five hundred dollars, put something in. And go to the best, the lead person, whoever's the lead, their credit probably gets more out of the deals and everybody else, that's fine. Go to the bank, get the rehab loan. Now you may have to work weekends going to Home Depot or Lowe's, wherever you may have to, really roll up your sleeves and go and fix that house up on weekends every weekend for six months. That's okay. And the first one is always the worst one, right? We bumped up, yes, the first one is always the most difficult.

I myself, I told John, John because he asked me, he said, 'Tip, you're doing all of this stuff and you got all this stuff going on, why don't you get you, I want you to get you some residential property. I want you to get you some rental properties that you can put families in.' And I say, 'John, that is boring.' I did, if you weren't boring, I did that. I did that from 2000 to 2008. And that's just boring. I'ma tell you the story how I got into it. So my uncle, he was away in prison and he came home. So he comes home at the very year when I got my first recording contract with LaFace. I got a signing bonus. It was about forty thousand, fifty thousand dollars. And so I think it may have been the week that I got my check and he said he'll give me twenty thousand dollars. I say, 'Huh? You just got, you say now, listen, you're not gonna do nothing but run through this money anyway. Just give me twenty thousand dollars.' So I'm like, 'Man, okay, cool.' I gave him twenty thousand dollars. Ran through the rest as expected. So three months later, we riding through my grandmother's neighborhood where I used to engage in some unmentionable activities. Let's just call me a refugee from the Iran-Contra scandal. So we ride past this house that I used to engage my activities out of. And I recognized the house but it looked different. Through Nicole, representative, yes, at one time I was an independent pharmaceutical contractor. Yes. So one of my offices in that neighborhood, he rode me by there and he pointed at me and he says, 'You see that?' I said, 'Am, this Jimmy-Jam house that looks a lot different.' And he says, 'No, it's not Jimmy-Jam house. I see.' He said, 'That's what we did.' I said, 'What do you mean?' He said, 'I bought it from Jimmy-Jam. I fixed it up myself from what I learned in prison and we put a family in there.' I say, 'What?' And he said, 'Now, now, I could give you your $20,000 back.' And as I reached for it, he said, 'Or we could go buy two more houses around the corner.' I said, 'Alright, cool.' So from 2000 to 2007 or 8, we did like 75, 80 houses over in the West Side area. And it made me feel really good to know that that's at that moment when he showed me the house, that's when I realized how much I contributed to the destruction in my community. And I never felt anything about it until then. And the thing that really made me feel another way is in 12 months when I roll past the same house, I saw it was a crack house again. I said, 'Man, we got to do a lot more if we're gonna cover any ground.' And when that unfortunate moment hit in 2007, 2008, that's when we were, we had bought a lot of land, we're about to build a subdivision, we had construction loans. And I say, I said, 'Well, you know, I'm tired of building these houses. Let's build a house that people like me can stay in.' So we went to down South Fulton, right next to Tyler Perry's first house. We bought a bunch of land and we were about to do a subdivision and then the loans fell from under our feet. And I had 800,000 of my money tied up into it. And I say, 'Quick, listen, I got a day job. I don't have to take this.' And so from that moment on, that's when I said, you know, if I'm gonna do something, I want to do commercial development. And now I'm fortunate enough to have a 200-unit mixed-use development being built right on down Early Halliwell. We should break ground early next year. But that's what I mean by it was boring. So you know, and by the way, that transition to many mansions is, you don't know what you're doing that because I got bored.

Yeah, yeah. By the way, you want your financial planning to be boring. You want your accountant to be boring. You want your banker to be boring. Whoever's handling your money, you want to, then they'll put you to sleep. And in residential, people are guaranteeing the loans. In commercial, you're not guaranteeing a loan. Well, anytime you guarantee a loan, this is all about financial literacy, how you borrow money. Yeah. It seems a little strange that rich people pay a lot less money for their money than poor people. That's right. Oh, yeah. Those who make the least pay the most, right? When I, when I thought, when I sign a loan application for a single-family home, I'm signing personally. It's a personal guarantee. Bunch of documents, personal guarantee. Well, when I go and sign a 25 million dollar deal for the Promise Homes company, it's not a recourse. Yeah. I'm not personally guaranteed. It's the assets of the corporation. It's a commercial credit and the rates are incredible. It is unbelievable when you're able to get this, when you finally get, when the light comes on, it's actually easier to do a big deal, it is, than it is to do a small one. But you, but you only gonna get to the big deal is by doing the smaller. So again, on that step, we got to wrap this up. I want you to go think about buying that home. Get, get with your policy. Write it, write it down. LLC, no emotions. Buy it, rehab it, and hold it. And R in it. Buy it, rehab it, rent it out at an affordable. You're creating affordable housing. You're gonna be in a, be proud of what you're seeing. Is this how you make money? You make money when you sleep. Whether it's stocks, bonds, a rental real estate, commercial real estate, passive income. Passive income. You make money when you're sleep. So when you're sleeping, if they, rent money is coming in, that's what I'm talking about. And you take that one house, I know what, there's now worth a hundred thousand dollars. You've got thirty, got fifty thousand into it. Now you have fifty thousand dollars worth of equity. Now you've got a net worth. Now use that equity to then buy the next house. You do two or three of those and now you're found, you can leverage, you can leverage that, that fifty thousand and get a hundred thousand. Yeah. Even that, I can, I explain my silence, you all.

Yeah. 'Cause you all are talking about money. And Tom Bradley told me you can bring the Olympics, but you and nobody in your family can make any money because you were the mayor. Yeah. And that in order to see to it that the percentages are right, you can't be personally involved. And I'm saying this because I'm proud of all that's going on. But I'm also thinking that Maynard Jackson gave his life to make this happen. That Shirley Franklin, Bill Campbell went to jail trying to help other people. Bill didn't do anything dishonest, I want you to know that right here. They given hell to Kasim. Yeah. But we wouldn't have the dome and we wouldn't be, you and Kasim start talking about the after the Gulch, say the movie industry that brought all this. He, Kasim was an attorney for the film industry and helped make all of this happen. I'm, I'm saying that to say that, well, I'm saying that as an excuse for being poor and not the class of the gentleman. But I'm also, I'm also saying that everybody I've heard here has had conversations about family, about church. Deepak Chopra talked about the spirituality of all of our existence. And so this isn't a crass, crude, greedy, materialistic discussion. This is free enterprise at its best. This is democracy that is also working for the least of these, God's children, and giving all of these folk who they all started out particularly rich, you didn't have a trust fund at all. No. And but it's fair Atlanta keeping this environment this way. And when John is, people have come to me with all kinds of money-making opportunities and I said no. Somebody has, Dr. King said we have to stay out of the game in order to make sure that the game is fair. And so do I. Thank you. And I thank all of you for taking advantages of the opportunities that we've created here in this city. And to say that, spread those opportunities throughout the planet. One thing we haven't talked enough about is if there is a future for the African continent, it's going to come out of the experiences that we've had in African American free enterprise. Right. Oh. And so it was a new world for me to have the Twitter man talking about, you know, I don't even know the terms, what kind of fancy money of this is you're talking about. Digital currency. Digital currency. But the thing is that, that's why the world is broken because the Bretton Woods Agreement that tied everybody's country together, money together, and all of the countries were working together in 1944 after the Second World War, was broken in 1974 while everybody was impeaching Nixon. And so in terms of all that's going on politically, don't forget that all this is going on economically under the radar. But perhaps this is where the realities are. And I want to close with a prayer of thanks to all of you. And that is that we're talking about money, but money is simply the vehicle through which the hungry will be fed, the naked will be clothed, the sick will be healed, and those who are oppressed will know the freedom and liberation and opportunities that the Creator has made available to all of his children. Thank God for all of our blessings and keep on keeping on. To them to whom much has been given, of them will much be required. Bless you and amen.