joining me to discuss that rick heitzmann, of first mark capital. good to see you.ou've been with us for so many steps along the way of taurking about this industry, what have the last 24-36 hours been like you? >> they've been crazy. like bear sterns collapsed and people asking, what does this mean for me, can i make payroll next week? this is an existential crisis that this has caused for many companies. >> what about your exposure, for the company and personally, what is it, and what was theirs to you, if any? >> so fortunately, i was a customer, i have very little exposure, as a firm, we were customers, both on the lending side as well as just the depository, we obviously, like everybody else, have some depository issues, but it doesn't create any risk at the firm we're probably more concerned with our operating companies, we're thinking about, what are they doing with their deposits, the key thing, that you thought you had, you know, years of payroll, except if you only had 250 grand, and what does that mean, can you even process payroll if you're caught in the