split between hss and brown and toll an and various facilities that are associated with brown and tolley. then there is the stretch target. say the initial target is x, then the next target is 10 percent below that and we have a stretch and sometimes the percentage allocation is higher or lower depending on if we are doing a 50/50 split. that's what we are trying to show you on page 11. so that we want everybody to be aware that those exist. then there is a second thing is an example of how this works on page 12. so talk to your target is 550, second tier is 510 and final pay out level is 490. so if you cross over 550, and you go to 510, there will be a certain allocation of the money on a certain split. then if you go down, i didn't make this super complicated and fancy. once you are at 490, no more pay out. with that, we have an example. they get to 530 as an example. there is a $20 difference in the average cost per member per month in the entire year. they have 20,000 people times 12 and the allocation is 50 percent. that turns out to be $2.4 million that is now paid from the trust t

joining us now, tom tolley, ipo playbook editor.ry, haven't they? especially since we saw tech and social media drop. yet you looking at some of these and said there is city opportunity. how do you find those gems? liz: i've been -- >> i've been following the market a long time. i been on the show several times and always mentioned if you wait long enough you can usually get good prices on ipos and i think that day has come. usually can't get it at offering price that goes to the big investors because the stock skyrockets on first day. a lot of companies, at least four i named, came back to the offering price or below their offering prices. david: this is overall chart of the ipos, the etf that tracks them but i want to talk specifically and just simplest ipo we could talk about because some deal with cloud computing, et cetera, which is above my pay grade. care.com. it is a family care center. they deal with child care and senior care, two very booming subjects. most people have to invest in them one way or the other. this is a sit