so you are correct, we are correc. it is important for us to solicit our business so that we get the best product and at the best price women do business with our banks. we have come in fact, because we do not do this every day, every year, so we are perhaps not the most expert at doing this, but we secured an outside consultant who has done this work for many municipalities to help us with our procurement to make sure we are engaging with these financial institutions the best way possible, getting the most productive services, most efficient services, and getting them at the most competitive prices. when we are meeting now is a process to engage our city partners. we need to know what their needs are. we need to know how rec and park receives its funds. similarly with the airport, and on and on for all the different departments. what are their banking needs? what types of improvements mind week, with the knowledge that we gained from our financial institutions and consultant, what may we be able to look at to do bette