joining us now, marcus samuelson. black futures as well. during the pandemic, a lot of people started new businesses. black and minority-owned businesses have some really specific challenges that i don't think we talk about enough. >> as a black business owner and meeting a lot of my colleagues and friends, a lot of black professionals want to start a business, especially post a pandemic. but there are so many barriers. and what i love about the open door initiative, we look at some of those barriers, right? and to be able to have -- work with both the business and the landlord, to work on flexible rent and create a different structure, right, that there's never been more vacancies from the landlord side, and never been a bigger need for people to start their own businesses, but when you start a small business, you don't have millions of dollars in your bank account. especially in retail. it might be a pop-up store, right? how are you going to get into a space? now the landlord can really look at this and take a chanc