notwithstanding the fact that the department of justice rescinded several member randa regarding cannabis enforcement in 2018. fincen has maintained its 2014 guidance to financial institutions serving the cannabis businesses. of course, from a law enforcement perspective, this makes imminent sense as it's always easier for law enforcement to detect illicit activity if proceeds are subject to the transpatiencecy of the regulated banking system. due to costs associated, banking services are not cheap. our company pays in excess of $3,000 per month just to have an account. the current situation is especially challenging for small businesses while we are able to absorb the additional costs associated with cash management and bank fees, many mom and pop shops are not. it should be noted that the small businesses are also being squeezed by section 280-e of the internal revenue code which prevents cannabis companies from die deducting standard business expenses when they calculate the taxes. in fact, livewell's effective tax rate is currently 80%. if there is any hope of helping small businesses