The corporate bankruptcy process is explained by seasoned bankruptcy attorneys, consultants, judges and companies who have filed for bankruptcy. It begins with what is bankruptcy, to who should file, how to find the best attorney, what forms to file, what happens to the company after the filing, the plan to exit and how it all works.
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Bonus Ep 2 DIP Lending (Guest Mike Fussell with Aegis)
Tuesday, February 22, 2022 • Duration 37:06
**Warning: This podcast is not a substitute for professional financial or legal advice. Be sure you speak to a CRO or Lawyer before filing for Bankruptcy.**
Welcome to Corporate Bankruptcy A to Z, a show designed to educate you on the ins and outs and the dos and don'ts of corporate bankruptcy. On this show, you will hear experts from every step of the bankruptcy process answer the questions that you will need to know, from the simple to the complex.
04:17 – What is Debtor in Possession Lending (DIP loan) 04:49 – Is a DIP loan is different from a conventional loan? 05:13 – New DIP lender’s higher level of protection – 1st lien 07:27 – Is a DIP loan like a line of credit or term loan? 08:03 – How long should the DIP loan stay in existence? 09:05 – Why a lender would want to make a loan to a company in bankruptcy 10:06 – Legal position of the new lender 10:52 – Other reasons for a DIP loan if you arent needing to pay vendors 12:12 – Requirements to get a DIP loan 13:20 – Why the DIP loan gets preference over all other debts 18:10 – Who has control over cash receipts for a DIP loan 19:28 – Is the DIP loan mutually exclusive from the bankruptcy? 20:25 – Cash available on a DIP loan 21:38 – Are personal guarantees necessary to get a DIP loan? 22:20 – How would new personal guarantees needed to get a DIP loan impact other PG’s 24:06 – Are interest rates higher for a DIP loan? 24:43 – Collateral necessary to get a DIP loan? 26:00 – Parting words on DIP lending – Look for the best deal 28:11 – Highlights from Mike’s DIP best case 32:06 – Overtime
Guest Info: Mike Fussell oversees new business opportunities and provides guidance in structuring credit facilities to middle-market companies utilized for growth, acquisitions, turn-arounds and general working capital needs. He maintains relationships with Aegis’ capital providers and serves as Chair of the Credit Committee. Michael has over 15 years of experience in finance with positions at RBC, PNC and Wells Fargo serving in various commercial banking capacities.
Call him 813-437-2511
Host Info: Neil Goldstein (AKA the Workout Guy) is the founder of Elementary Business inc. a specialized consulting firm for distressed businesses and entities in transition. With many successes in his portfolio, Mr. Goldstein focuses on the needs of the owner to achieve results in profitability, sale of the company or finding a partner for growth.
Stephen B. Ravin is a highly seasoned insolvency and bankruptcy attorney, with more than 40 years experience. He has served as a trustee and has represented trustees, individual and corporate debtors, creditors, creditors’ committees, assignees for the benefit of creditors and receivers.
Want more content? Then head over to Patreon and become a member. On Patreon we are working on a catalogue of bonus episodes and you can hear the answers to your questions from a business perspective instead of just a legal one. If you want more direct access to Neil and Steve or want to supplement the education you are already getting here, then follow the link in the show notes below and become a Patron today.
Bonus Ep 1 Merchant Cash Advances / MCAs (Guest Marc Mellman with MCA Stacking Solutuions)
Wednesday, February 16, 2022 • Duration 39:10
**Caution: Be sure you speak to a CRO or Lawyer before filing for Bankruptcy. This podcast is meant to educate and is not financial or legal advice**
Welcome to Corporate Bankruptcy A to Z, a show designed to educate you on the ins and outs and the dos and don'ts of corporate bankruptcy. On this show, you will hear experts from every step of the bankruptcy process answer the questions that you will need to know, from the simple to the complex.
05:19 – Definition of a Merchant Cash Advance, MCA 05:50 – Purchase of future receivable 06:18 – Is an MCA and advance or a loan? 06:43 – The MCA type loan is against a future receivable that may never exist 07:53 – Primary lender attitudes towards MCAs 09:19 – Confession of Judgement and the impact on the company 12:11 – What happens when a judgement is filed. 13:56 – MCA vs. conventional loans - differences 16:47 – Usurious interest rates and their tactics to collect 17:40 – Usury laws. Different states have different laws. 19:25 – Does a future receivable equate to a company asset? 22:26 – The MCA takes money from the company’s bank account. Wire or ACH. 23:50 – Company options if it cannot pay the MCA 25:01 – Should MCA companies fear litigation against the company 25:15 – Legal defenses for the company 27.46 – Lender liability laws 29:57 – Recommendations when fighting an MCA 32:06 – Interesting case study
Guest Info: Marc Mellman spent 20 years as a trial attorney representing banks and financial institutions, 10 years as the chief operating officer of a global energy and environmental brokerage house, and for the past 16 years as a senior executive, general counsel, and management consultant in the factoring and financial services industries. Marc is both the Founder and Managing Director of Clermont Strategic Consulting, a full-service management consulting firm, and the Founder of MCA Stacking Solutions.
Ep 4 Part 1 Bankruptcy Traps (Guest Josh Eppich)
Tuesday, September 21, 2021 • Duration 46:15
NOTE: This podcast is not a substitute for professional consul. Consider reaching out directly to any person on this show if you have further questions before taking action on your own.**
Welcome to Corporate Bankruptcy A to Z, a show designed to educate you on the ins and outs and the dos and don'ts of corporate bankruptcy. On this show, you will hear experts from every step of the bankruptcy process answer the questions that you will need to know, from the simple to the complex.
Email your questions for the experts to neil@elementarybusiness.com and to sravin@saul.com Their door is always open and they will respond.
6:47 - Josh discusses the traps of a bankruptcy 7:55 – Preference claims, personal guarantees, avoidance actions 9:25 – Small to mid-sized capitalized companies 10:10 – Example of a preference claim 14:13 – Look back period for owners and insiders 16:36 – Fraudulent transfers 16:28 – Excess payments 18:43 – Critical vendor motion and how to handle difficult vendors 20:27 – When to file 21:09 – Look back periods for insiders, equity owners, and personal guarantees. 22:20 – Violations 22:44 – A case study – highlighting insiders violation 24:21 – Owners’ Personal Guarantees in a bankruptcy. 28:59 – Do owners keep their ownership in the company? 30:43 – The zero value of the company upon bankruptcy 32:41 – Closing thoughts. 34:01 – Josh's favorite cases 35:14 – Steve shares his closing thoughts 38:18 – Overtime
Guest Info: Josh Eppich specialized in helping businesses reach their goals and solve their challenges. He has significant experience representing debtors and creditors in Chapter 11 and 7 Bankruptcy cases across the USA. Call him (817) 405-6905 or email him joshua@bondsellis.com
Host Info:Neil Goldstein (AKA the Workout Guy) is the founder of Elementary Business inc. a specialized consulting firm for distressed businesses and entities in transition. With many successes in his portfolio, Mr. Goldstein focuses on the needs of the owner to achieve results in profitability, sale of the company or finding a partner for growth.Neil's book is now
Ep 3 Part 2 Alternatives to Bankruptcy (Guest Stephen Ravin)
Tuesday, September 7, 2021 • Duration 37:59
Remember: If you take one thing away from this show, its that you need to seek professional help before making a decision about filing or not filing for bankruptcy**
Welcome to Corporate Bankruptcy A to Z, a show designed to educate you on the ins and outs and the dos and don'ts of corporate bankruptcy. On this show, you will hear experts from every step of the bankruptcy process answer the questions that you will need to know, from the simple to the complex.
This episode is part 2 of our series on alternatives to filing for bankruptcy. Our special guest is co-host, Stephen Ravin. Listen in as he talks Neil through the other legal options to filing bankruptcy. This episode is essential for anyone looking for an option that is less expensive and less difficult than a bankruptcy filing.
Highlights: 5:20 – Other options to a bankruptcy filing 6:23 – Assignment for the benefit of creditors (ABCs) 8:27 – Could the company continue operations after filing for an ABC 10:57 – Major benefit of an ABC 12:19 – Case study of a successful ABC 15:24 – What is a receivership 17:07 – How a receivership is different 17:52 – Case study of a receivership 20:40 – Description of an Article 9 sale 22:14 – Case study of an Article 9 sale 24:11 – Description and legal aspects to out of court settlement 26:33 – The benefits of out of court settlement 27:22 – Can a company change the choice they made? 28:49 – Can the owners buy back their company? 29:29 – How the company, creditors, and secured lenders react
Guest Info:
Stephen B. Ravin is a highly seasoned insolvency and bankruptcy attorney, with more than 40 years experience. He has served as a trustee and has represented trustees, individual and corporate debtors, creditors, creditors’ committees, assignees for the benefit of creditors and receivers.
Ep 3 Part 1 Alternatives to Bankruptcy (Guest Nick Jalowski)
Tuesday, September 7, 2021 • Duration 37:40
Caution: Be sure to seek professional advice before you decide to file for bankruptcy. Consider and feel free to reach out to Neil, Steve, or any of their guests before you take this major step.**
Welcome to Corporate Bankruptcy A to Z, a show designed to educate you on the ins and outs and the dos and don'ts of corporate bankruptcy. On this show, you will hear experts from every step of the bankruptcy process answer the questions that you will need to know, from the simple to the complex.
Highlights: 8:14 – Experiences with lenders 9:17 – What is a forbearance agreement 12:42 – Alternatives to bankruptcy 13:42– Should the company speak with its creditors when planning a bankruptcy? 15:27 – Out of court settlements 17:27 - Are lenders willing to work with businesses when it comes to paying back debt? 19:19 – Gaining credibility 22:10 – Who should quarterback the restructuring plan 24:10 – Why creditors should go along with the plan 26:42 – The chances of a successful bankruptcy 28:44 – Professionals needed for an alternative program 29:36 – Alternative plan versus a bankruptcy 31:22 – Final thoughts 32:17 – Case Study
Guest Info:
Nick Jalowski is the founder and has been the managing director of Cambridge Financial Services LLC since its inception. He is a Certified Turnaround Professional (CTP) and Certified Management Consultant (CMC). Formerly a corporate banker with Bank of New York in New York City, and Fidelity Union Bank in New Jersey.
Call him at 732-512-9200 x15 or email him nbj@cambridgefinancialcorp.com if you have any questions.
Host Info:
Neil Goldstein (AKA the Workout Guy) is the founder of Elementary Business inc. a specialized consulting firm for distressed businesses and entities in transition. With many successes in his portfolio, Mr. Goldstein focuses on the needs of the owner to achieve results in profitability, sale of the company or finding a partner for growth.
Ep 2 Who Should File? (Guest Tom Colvin)
Tuesday, September 7, 2021 • Duration 33:10
Please: The hosts and guests of Corporate Bankruptcy A To Z all consistently preach that you need to speak with a professional before deciding to file for bankruptcy.**
Welcome to Corporate Bankruptcy A to Z, a show designed to educate you on the ins and outs and the dos and don'ts of corporate bankruptcy. On this show, you will hear experts from every step of the bankruptcy process answer the questions that you will need to know, from the simple to the complex.
This episode will cover what conditions a company experiences when considering a filing, asset and liability ratios, which professionals might help in making the decision to file and much more.
Highlights: 6:41 - What is the first thing Tom does to help his clients 7:37 – Profits 8;37 – Personal guarantees 10:58 – Lawsuits and their importance to a filing 12:40 – Bank debt and its importance in a filing 15:07 – Professionals needed for a filing 17:15 – Communications with the company’s primary lender 18:14 – Will a bank work with the company? 20:54 – Should the company threaten to give the keys to the bank if they will not help? 22:37 – Client that filed for good reasons 24:05 – The impact on employees, vendors, creditors 26:27 – How vendors react 27:42 – Why you should disclose issues to employees 29:22 – Case study
Guest Info:
For this episode we have a special guest. Tom A. Colvin of MCR Capital Advisors Corporation. Tom brings over 30 years of work experience working with individuals and companies in a multitude of industries. Tom’s expertise is focused on enabling businesses in several the facets and activates deemed essential for their operation.
**WARNING**: Trying to negotiate the bankruptcy process alone can be as foolish as jumping out of an airplane without checking your parachute. Our Panel of experts all recommend you get professional help in making that decision**
Corporate Bankruptcy A to Z, a show designed to help you be more educated than 90% of those who file for bankruptcy. On this show, you will hear experts from every step of the bankruptcy process answer the questions that big name businesses go out of their way hear.
In this first episode we will be talking about the two main filing options, the 7 and 11 (not the chain of convenience stores but the bankruptcy chapter names). We will talk about how a company knows if it is a candidate for a filing, advantages and disadvantages, the chances of a successful bankruptcy and much more.
Highlights: 3:13 - Chapter 7 6:02 - Chapter 11 10:21 - Pre-bankruptcy planning, employees, and customers 12:53 - Management 13:08 - Changes to a company 14:43 - Who is protected 16:01 - How long is bankruptcy 16:45 - Case Studys 21:12 - Best time to file 22:17 - Waiting to long 24:04 - Interesting case
Guest Information:
Stephen B. Ravin is a highly seasoned insolvency and bankruptcy attorney, with more than 40 years experience. He has served as a trustee and has represented trustees, individual and corporate debtors, creditors, creditors’ committees, assignees for the benefit of creditors and receivers.
Welcome to Corporate Bankruptcy A to Z, a show designed to Educate you on the ins and outs and the dos and don'ts of corporate bankruptcy. On this show, you will hear experts from every step of the bankruptcy process answer the questions that you will need to know, from the simple to the complex. Your show host is Neil Goldstein, AKA “the Workout Guy”, A Chief Restructuring Officer who has spent the last 25 years helping over 75 clients take on the bankruptcy process. Alongside him is co-host and legal expert, Stephen Ravin, of Saul Ewing Arnstein & Lehr law firm. He is a 2nd generation bankruptcy lawyer, with over 40 years legal experience his under belt.
Do you have any concerns about the bankruptcy process and how it will impact your business? Why not ask the experts? Email your questions to neil@elementarybusiness.com and to sravin@saul.com Or you can following the link in the show notes below. Make sure you subscribe to the show so you never miss an episode and make sure you are sharing it with those who are making these important decisions with you. New episodes will air on Tuesday, every other week.
Ep 11 Working In Bankruptcy (Guest Marcus Helt)
Season 1 · Episode 11
Tuesday, January 11, 2022 • Duration 37:22
**Warning: This podcast is not a substitute for professional financial or legal advice. Be sure you speak to a CRO or Lawyer before filing for Bankruptcy.**
Welcome to Corporate Bankruptcy A to Z, a show designed to educate you on the ins and outs and the dos and don'ts of corporate bankruptcy. On this show, you will hear experts from every step of the bankruptcy process answer the questions that you will need to know, from the simple to the complex.
3:55 – Corporate by-laws and other documents leading to bankruptcy
6:20 – Remedies when the corporate by laws are inadequate.
7:20 – Presenting a plan to the court – the right timing
9:45 – What is in the plan
10:37– Debts are paid over a flexible period.
13:10 – Who prepares the plan?
14:08 – What happens to the plan after it has been submitted - Disclosure statement
16:12 – Interested parties get to see the plan.
17:35 – Should the company fear publishing too much information?
18:08 – Days Court needs to review the plan
19:17 – Are most plans confirmed?
20:39 – Procedure for creditors to discuss the company’s plan
21:51 – Interested parties can submit their plan after the exclusivity period
22:53 – How does the court select the best plan to confirm
23:55 – Any consideration given to the existing owners
24:41 – Advice to clients when preparing a plan
25:56 – Principals and new value that needs to be added
Ep 10 Contracts And Court Meetings (Guest Joe Marshal)
Season 1 · Episode 10
Tuesday, December 28, 2021 • Duration 36:14
NOTE: This podcast is not a substitute for professional consul. Consider reaching out directly to any person on this show if you have further questions before taking action on your own.**
Welcome to Corporate Bankruptcy A to Z, a show designed to educate you on the ins and outs and the dos and don'ts of corporate bankruptcy. On this show, you will hear experts from every step of the bankruptcy process answer the questions that you will need to know, from the simple to the complex.
Email your questions for the experts to neil@elementarybusiness.com and to sravin@saul.com Their door is always open and they will respond.
06:33 – First day hearings 07:28 – Motion to apply for the use of cash 09:32 – The role of the United States Trustees’ Office 10:54 – Do US Trustee’s handle cases differently? 13:12 – Reports and schedules that need to be filed 14:51 – Creditor’s committee, when and why it forms. 16:54 – Creditor influences on the bankruptcy 17:53 – Are creditor committees formed in all cases? 19:10 – Creditor rights in a bankruptcy 20:21 – The company pays for the creditor’s committee 24:07 – 341 Creditor meeting conducted by US Trustee 26:10 – Can the meeting get confrontational? 27:04 – Timing and filing of a restructuring plan 28:38 – Joe’s thoughts on bankruptcy. A negotiating tool. 30:05 – Steve’s closing thoughts. Fees of attorneys 30:50 – Joe’s interesting bankruptcy case
Guest Info: Joe Marshall started Marshall Law in 2015 following 25 years of practice at a Texas commercial law firm. This transition allowed him to continue to provide the highest quality legal representation in more practice areas with flexibility in rate structures and greater personal client service. Call him 214-579-9173 or email JMarshall@MarshallLaw.netHost Info:Neil Goldstein (AKA the Workout Guy) is the founder of Elementary Business inc. a specialized consulting firm for distressed businesses and entities in transition. With many successes in his portfolio, Mr. Goldstein focuses on the needs of the owner to achieve results in profitability, sale of the company or finding a partner for growth.Neil's book is now Call 940-808-9451 or Email or visit ElementaryBusiness.com. Stephen B. Ravin is a highly seasoned insolvency and bankruptcy attorney, with more than 40 years experience. He has served as a trustee and has represented trustees, individual and corporate debtors, creditors, creditors’ committees, assignees for the benefit of creditors and receivers.Call 973-286-6714. Or email him You can also .
Call him (973) 868-0767 or email mmellman@mcastackingsolutions.com
Host Info: Neil Goldstein (AKA the Workout Guy) is the founder of Elementary Business inc. a specialized consulting firm for distressed businesses and entities in transition. With many successes in his portfolio, Mr. Goldstein focuses on the needs of the owner to achieve results in profitability, sale of the company or finding a partner for growth.
Stephen B. Ravin is a highly seasoned insolvency and bankruptcy attorney, with more than 40 years experience. He has served as a trustee and has represented trustees, individual and corporate debtors, creditors, creditors’ committees, assignees for the benefit of creditors and receivers.
Want more content? Then head over to Patreon and become a member. On Patreon we are working on a catalogue of bonus episodes and you can hear the answers to your questions from a business perspective instead of just a legal one. If you want more direct access to Neil and Steve or want to supplement the education you are already getting here, then follow the link in the show notes below and become a Patron today.
Call 940-808-9451 or Email neil@elementarybusiness.com or visit ElementaryBusiness.com. Visit his Blog here
Stephen B. Ravin is a highly seasoned insolvency and bankruptcy attorney, with more than 40 years experience. He has served as a trustee and has represented trustees, individual and corporate debtors, creditors, creditors’ committees, assignees for the benefit of creditors and receivers.
Next episode will be part 2 in our segment on bankruptcy traps. Our special guest will be Michelle Novick of Saul Ewing Arnstein & Lehr LLP. Listen in on the conversation as she answers questions like “Whos cash is it?” and “What are the different classes of creditors?”.
Want more content? Then head over to Patreon and become a member. On Patreon we are working on a catalogue of bonus episodes and you can hear the answers to your questions from a business perspective instead of just a legal one. If you want more direct access to Neil and Steve or want to supplement the education you are already getting here, then follow the link in the show notes below and become a Patron today.
Neil Goldstein is the founder of Elementary Business inc., a specialized consulting firm for distressed businesses and entities in transition. Neil works closely with owners to structure improvements in both operations and finances. With many successes in his portfolio, Mr. Goldstein focuses on the needs of the owner to achieve results in profitability, sale of the company or finding a partner for growth.
Our next episode will be about Bankruptcy traps, and will be in 2 parts because there is so much to cover. Our special guest for part 1 will be Josh Eppich of Bonds Ellis Eppich Schafer Jones LLP. Tune in next time as he talks to Neil and Steve about Bankruptcy traps related to ownership, lookback periods, and more.
Want more content? Then head over to Patreon and become a member. On Patreon we are working on a catalogue of bonus episodes and you can hear the answers to your questions from a business perspective instead of just a legal one. If you want more direct access to Neil and Steve or want to supplement the education you are already getting here, then follow the link in the show notes below and become a Patron today.
Stephen B. Ravin is a highly seasoned insolvency and bankruptcy attorney, with more than 40 years experience. He has served as a trustee and has represented trustees, individual and corporate debtors, creditors, creditors’ committees, assignees for the benefit of creditors and receivers.
Be sure to come back for our next episode where co-host, Stephen Ravin, talks Neil through the other legal options to filing bankruptcy. This episode is essential for anyone looking for an option that is less expensive and less difficult than a bankruptcy filing. Steve will cover an assignment for the benefit of creditors and much more.
Want more content? Then head over to Patreon and become a member. On Patreon we are working on a catalogue of bonus episodes and you can hear the answers to your questions from a business perspective instead of just a legal one. If you want more direct access to Neil and Steve or want to supplement the education you are already getting here, then follow the link in the show notes below and become a Patron today.
Neil Goldstein (AKA the Workout Guy) is the founder of Elementary Business inc. a specialized consulting firm for distressed businesses and entities in transition. With many successes in his portfolio, Mr. Goldstein focuses on the needs of the owner to achieve results in profitability, sale of the company or finding a partner for growth.
Stephen B. Ravin is a highly seasoned insolvency and bankruptcy attorney, with more than 40 years experience. He has served as a trustee and has represented trustees, individual and corporate debtors, creditors, creditors’ committees, assignees for the benefit of creditors and receivers.
Want more content? Then head over to Patreon and become a member. On Patreon we are working on a catalogue of bonus episodes and you can hear the answers to your questions from a business perspective instead of just a legal one. If you want more direct access to Neil and Steve or want to supplement the education you are already getting here, then follow the link in the show notes below and become a Patron today.
Neil Goldstein is the founder of Elementary Business inc. a specialized consulting firm for distressed businesses and entities in transition. Mr. Goldstein works closely with owners to structure improvements in both operations and finances. With many successes in his portfolio, Mr. Goldstein focuses on the needs of the owner to achieve results in profitability, sale of the company or finding a partner for growth.
Join a supportive team of diverse, highly-motivated professionals to leverage your skills and experience, fuel your professional growth, and make a difference on your very first day. Check out Strive Consulting
Do you have any concerns about the bankruptcy process and how it will impact your business? Why not ask the experts? Feel free to reach out to Neil or Steve with your questions and you may even hear them answered in the mail bag. Be sure you subscribe the podcast and please consider leaving a 5 star review. New episodes air, every other Tuesday.
Join us next episode to learn if your business is a candidate for a bankruptcy filing. Our special guest will be Tom Colvin of MCR Capital Advisors. Listen in on the conversation as Tom shares his decades of experience with Neil and Steve and they discuss the
Want more content? Then head over to Patreon and become a member. On Patreon we are working on a catalogue of bonus episodes and you can hear the answers to your questions from a business perspective instead of just a legal one. If you want more direct access to Neil and Steve or want to supplement the education you are already getting here, then follow the link in the show notes below and become a Patron today.
27:23 – After confirmation
28:12 – After exiting bankruptcy
Guest Info: Marcus A. Helt focuses his practice on restructuring and insolvency matters, emphasizing bankruptcy, corporate restructuring, workouts, creditors’ rights and commercial litigation. Marcus typically represents borrower clients, buyers and other interested parties in all industries. Call him 214-210-2821 or email Mhelt@mwe.com
Host Info: Neil Goldstein (AKA the Workout Guy) is the founder of Elementary Business inc. a specialized consulting firm for distressed businesses and entities in transition. With many successes in his portfolio, Mr. Goldstein focuses on the needs of the owner to achieve results in profitability, sale of the company or finding a partner for growth.
Stephen B. Ravin is a highly seasoned insolvency and bankruptcy attorney, with more than 40 years experience. He has served as a trustee and has represented trustees, individual and corporate debtors, creditors, creditors’ committees, assignees for the benefit of creditors and receivers.
Want more content? Then head over to Patreon and become a mem
Want more content? Then head over to Patreon and become a member. On Patreon we are working on a catalogue of bonus episodes and you can hear the answers to your questions from a business perspective instead of just a legal one. If you want more direct access to Neil and Steve or want to supplement the education you are already getting here, then follow the link in the show notes below and become a Patron today.
Want more content? Then head over to Patreon and become a member.
Want more content? Then head over to Patreon and become a member. On Patreon we are working on a catalogue of bonus episodes and you can hear the answers to your questions from a business perspective instead of just a legal one. If you want more direct access to Neil and Steve or want to supplement the education you are already getting here, then follow the link in the show notes below and become a Patron today.
