Behind the Spotlight: An Insider’s Guide to Speaking at an IOFM Conference

Join two of IOFM’s speakers as they take you behind the scenes of their journey to speaking at IOFM. Discover how they got started with IOFM, hear about their upcoming IOFM Fall sessions, and get their insider tips on making the most of your time at the Fall Conference. Whether you’re a first-time attendee or a seasoned pro, this episode will help you prepare for a successful and impactful event!

Courtney Cote

Courtney Cote is an accomplished Accounts Payable Manager with 16 years of experience in the engineering, manufacturing, and tech industries. With a strong passion for automation and system implementation, Courtney has dedicated her career to streamlining financial operations and optimizing accounts payable processes. She has successfully led the implementation of automated solutions to enhance efficiency, accuracy, and compliance. Courtney’s expertise lies in navigating industry-specific challenges and harnessing the power of technology to drive operational excellence.

Debra Richardson

Debra is an Accounts Payable speaker, consultant, and trainer with over 20 years of experience in AP, AR, general ledger, and financial reporting for Fortune 500 companies including Verizon, General Motors, and Aramark.

For ten years, Debra has focused on Global Vendor Maintenance, and implemented a vendor self-registration portal for 140k+ global vendors across five ERPs. In her consultancy, she focuses on authentication techniques, internal controls and best practices to prevent fraud in the vendor master file.

Debra now focuses on helping accounts payable teams protect the vendor master file from fraud. She has a weekly blog and hosts a weekly podcast: “Putting the AP in hAPpy” and is the Co-President of the Central Atlantic Region IOFM Chapter.

Transcription

Grace Chlosta: Welcome to the IOFM podcast. This is a podcast for accounts payable and accounts receivable professionals who want to stay in the know with current AP and AR trends and ideas. We'll be interviewing professionals in this space on a wide variety of subjects, including automation, artificial intelligence, career growth, compliance, leadership, and much more.

Today we'll be interviewing Courtney Cote. Courtney is an accomplished accounts payable manager with 16 years of experience in the engineering, manufacturing, and tech industries. With a strong passion for automation and system implementation, Courtney has dedicated her career to streamlining financial operations and optimizing accounts payable processes. She has successfully led the implementation of automated solutions to enhance efficiency, accuracy, and compliance. Courtney's expertise lies in navigating industry-specific challenges, and harnessing the power of technology to drive operational excellence.

She'll be interviewed by Debra Richardson. Debra is an accounts payable speaker, consultant, and trainer with over years of experience in AP, AR, general ledger, and financial reporting for  Fortune 500 companies, including Verizon, General Motors, and Aramark. For ten years, Debra has focused on global vendor maintenance, and implemented a vendor self-registration portal for 140,000+ global vendors across five ERPs. In her consultancy, she focused on authentication techniques, internal controls, and best practices to prevent fraud in the vendor master file.

Debra now focuses on helping accounts payable teams protect the vendor master file from fraud. She has a weekly blog and hosts a weekly podcast, "Putting the AP in hAPpy," and is the copresident of the Central Atlantic Region IOFM Chapter. 

00:01:55                     

Debra Richardson: Hi, Courtney Cote. How are you? This is Debra Richardson. It's great having you on today.

Courtney Cote: Hi, Debra. I'm great. How are you doing?

Debra Richardson: I'm doing great. But, you know, I don't think we've ever met in person. I know you've been at prior IOFM conferences, and I'm going to see you coming up in November, at the fall conference in Vegas, right?

Courtney Cote: Yes, of course. Our paths have yet to cross, but I've definitely been around the conferences now for a few years, and I know you have as well.

Debra Richardson: Yeah. And I am actually very excited to hear – and I think I am going to attend your session for corporate cards and virtual cards, because virtual cards especially have really been a hot topic. So I'm glad to see you'll be doing that in Vegas. I will be attending that session. I don't think it's conflicting with any of my sessions, so you'll see me in the audience.

Courtney Cote: Oh, great!

00:03:02                     

Debra Richardson: And we're going to talk about that (that's the topic of this podcast), but before we jump into that, I know you presented at a couple, maybe one or two, of the conference in the past. Is that correct, for IOFM?

Courtney Cote: Yes. I was at Vegas last year. That's the first year we really brought up the topic. It was pretty well received, so we did it again in the spring. I'm back again with the topic. I'm going to refresh it a little. We know that the world of AP moves pretty quickly, and I would say the past six months or a year a lot has already changed. So we're going to refresh it a little to give everyone some new content.

Debra Richardson: Yeah. I can imagine that as fast as things are changing nowadays with payment methods and fraud that it would be some new things to update. So we're going to talk all about that, but, before we do, we're just going to talk real quick about presenting at the conference because I love talking about that experience, and hopefully, if we have anyone in the audience that is listening that would like to present at an IOFM conference in the future, then they can take away some of these tips. How about that?

00:04:22                     

Courtney Cote:  Oh, yeah, sure. I love it.

Debra Richardson: The first thing, though, I do want to talk about – and I know those that attend the conference, even when they're not presenting, there's always some things that might be a little bit of a challenge, right? The first big one is just having the work while you're there, especially if you still have that practitioner job, you're still doing the job. It really doesn't stop at the conference, and I know you've noticed that. As a consultant, I've noticed that, too, because I have client work that I have to do.

I know you've seen, just like I have, that there have been people that have to open up their laptops, do a bit of work, maybe approve some stuff and then close the lap, and then jump right back in. Is that what you've seen? 

Courtney Cote: Oh, yes. I'm one of those people. [laughter]

Debra Richardson: Yeah, because you're still working, right?

Courtney Cote: Yes, exactly. I am the only one at my company who does what I do right now, so I bring my laptop. Sadly to say, I bring it everywhere. I'm always checking in. Thankfully, my managers know what I'm doing, so they will take the brunt of it. But we do have to check in. I'm sitting next to people all the time, chatting. They're working. It doesn't stop. So it really is you're juggling two things. You're trying to learn.

It's kind of nice, too, because there have been times where I have attended a session and then I've gone to check my email, or I start working on something, and like, hmm, this subject kind of came up. Maybe I can use this direction, which I just learned, instead. You're kind of learning and working through things in real time, which is nice. 

Debra Richardson: Yeah, that is nice. And that is a very good point because some of the things –  some of the pain points – that you may be experiencing at that moment may come up in one of the sessions or one of the breakout sessions that they have with the practitioners, just to go over pain points. I know they've done it in the past with breaking out based on ERP or accounting system or revenue, and so you get in a room with folks that might have your same pain points. So being able to go back to your email and notify the rest of your team, or just document what you learned so you don't forget it when you get back to the office – bring that laptop.

Yes, you may work. But, yes, you might also document some things that you learned so you have those immediate takeaways. I love that part of going to the conferences and really having that opportunity to speak with practitioners just like you that have (or can have) the same pain points. That part was awesome. 

Courtney Cote: Yes. It's so nice. I've been at a table where everyone was just kind of working and having a snack. There's been someone from an ERP system and another colleague was having issues. They walked them through it. It really was that hands-on knowledge that was super great.

00:07:46                     

Debra Richardson: Yeah, that was super great. The other thing, too, that I've learned as a presenter at the conferences – and I think in a prior IOFM podcast I talked about the first time I presented. I don't remember if I was still a practitioner then or not. I think I was. I was awful. I didn't know how to do the presenter's view. I tried to play a video and I hadn't told them about it advance, nor had I rehearsed it at all, and so it didn't work. We had to go get the IT folks or the systems folks. It was just a mess. Hopefully, your first time presenting was a lot smoother than mine. [laughter]

00:08:41                     

Courtney Cote: Well, I feel like there are a few moments in mind. I was probably a hot mess, to be honest, Debra. [laughter] You just give it a try. It's all about just taking the risk and getting up there in front of your peers, right? I think I like to [prep for it]. I have been doing this for a lot of years. That doesn't make me an expert. I'm still learning. This is coming to you from a view of a peer and someone who's been doing this. I feel like I have knowledge in it and I just want to share it, but let's have an open conversation, and everyone in this room, let's share our knowledge and let's learn together. I think if you go in with that open mind that you just be authentic and be yourself – and I think my phone went off by accident my first time, and I was like, "Oh, my gosh!"

Audience engagement – everyone's been there and everyone would probably feel nervous going up there, too. So I think that the support of your peers just helps the whole situation. 

Debra Richardson:  Yeah. And you know the other thing? Number one, the other practitioners and the attendees are absolutely great. They're just like us. They're just like you. Those of you who are listening, if you have the opportunity to present, definitely take it. If anything goes wrong – and trust me, it went wrong with me, too – you know the best advice that I've seen or been given is: If things go wrong, just rely on the attendees. If you ask them questions, you will fill up that time that you kind of messed up. They love that engagement part of it. If anything happens – and it did happen with me – I just kind of stopped. I just started talking to the attendees, and everything worked well because, really, they just want to ask those questions, those burning questions that they have. So when the presentation failed, I turned to that, and everything was fine.

00:10:54                     

Courtney Cote: 100%. Or there's questions and I was [like], "I don't know the answer. Does anybody else in this crowd know the answer? Can we help out?" We don't know it all, all the time.

Debra Richardson: Exactly. And it's funny that you mentioned that, too, because I went to – and I was going to say that as one of the – even as a presenter, when I go, I try to go to other sessions not just for the topic, but also for the speaker, too, because you can get tips based on what they do.

One speaker in particular, Monica Brooks, I attended her session in the spring. She had, of course, a bazillion people there. Every question that the audience members brought up, she first posed it back to the other audience members, and she had just great engagement. I learn a lot, not just from the topic, but also from the speaker as well. 

00:12:03                     

Courtney Cote: Yeah, I completely agree. I've seen a few of Monica's. Before I started speaking, I went to a few of Monica's. I remember thinking, she's just so engaged. She makes it seem so easy. I would love to be at that standard of presenting one day. I am still at – honestly, I write a script, and I try to go by it. I will ad-lib things in, but that's how I know that I personally cover all of my topics. But I would love to be one of those presenters one day that just knows it ad hoc, in their brain. But I'm still at a part in my life – I've got two really little kids, and I can't remember where I put my keys half the time, so I need to write it down. But I aspire to be like Monica in her presenting one day.

00:12:56                     

Debra Richardson: Yes. And then sometimes I think I have so much information to give. Just like you do, I do that script to make sure that I get it all. But now I'm saying, yes, I do need to give it all, but maybe I need to find a way to bring in that extended time for audience engagement. We'll both be at the November 6-8 fall conference in Vegas. Those of you listening, I hope you attend all of our sessions. Take a look at the agenda. Hope to see you there.

Speaking of seeing you there, when I was a practitioner, I had a team of 17 in the vendor setup and maintenance phase – just that, not AP because it was a Fortune 15 company, so we had a lot, about 2,000 vendor requests per month, so a lot of team members.

As you can imagine, I couldn't bring 17 team members to an IOFM conference. I mean, if I could have, I would have tried, but I couldn't do that. I'm sure there are other folks, right, that are in that same boat that are listening. I just wanted to kind of share one thing that I would do. I would always go to each of the exhibitors in the exhibitors' hall, and I would grab their swag. I would also talk to 'em, too, because maybe that had something that could me solve a pain point that I had, but I would still grab the swag. So when I went back, my luggage was about five pounds more than it was when I got there. 

When I got back, everybody waited for me to bring out the bag, and I would put it on this round table. I would just empty the bag on the table and kind of go for a free-for-all. If you're HR and you're listening to this, yeah, I don't know what I caused, but we never got in trouble for it. But it was like a first come, first served. [laughter] Just dive in. They looked forward to that, but they understood not everyone could go. That was what I did. I don't know if you have anything that you may do today for those folks that can't go. 

Courtney Cote: Yeah. To be really honest with you, where I'm at right now, I'm in tech, and we're fully remote. So I have brought a team member with me before from the AR sector. However, since we are such a small finance team, what we do is a presentation to all of our finance team after we attend a conference, basically on what our biggest learnings were, [and] what are one or two things we feel that we could implement from the learnings that we had at the conference.

That's something that we do to be mindful and bring everybody on the finance team into the fold. I think if you are somewhere they embrace continued learning it is easier to get those conferences approved. But exactly like you say – if there's a team of 17, unfortunately, unless everybody has a learning budget or something of that sort, not everyone can attend. I will say my colleague did pick up a lot of swag. I tend to overpack, so I'm that person who's like, I can't fit in. [laughter] I take what I can fit. 

So that's what I like to do. I like to take all the slides that we get from IOFM, and I'll re-go through them, especially the ones – I think that's something to point out, too. It's so hard to always make every panel or discussion or session that you want to attend, and so what I'll do after is I will go through – because IOFM does provide the slides at the end of the conference – and read through the ones that I wasn't able to attend. I've given those out to our finance team in case there was something interesting they wanted to look into as well. 

Debra Richardson: Oh, that's a great idea because IOFM does provide the PDFs of the presentations and there are some that have – some of the speakers will say, "Hey, reach out to me if you would like this in a handout to be sent to you," and you can do that, too, after the conference and then share that with your team as well. Great ideas.

All right, and then the other thing I wanted to just point out, because I am always promoting the IOFM chapters for those folks that just aren't able to get approval to go to the conferences where you can earn CEUs for attendance – I think it's either 13 or 15 CEUs. If you have an accounts payable or procure-to-pay certification or AR certification, you have to earn so many CEUs per year to keep it, and attending the conference is a great way to earn 'em all at once. But another way is to attend chapter meetings. 

I think now we have eight or nine chapters. There's a new chapter, I believe, in California. There's a new chapter in Texas, or that covers Texas. There's also a new AR chapter, too. Go to the IOFM website. Check out the chapters and see what chapter covers your areas or your function. You do get one CEU per hour of chapter meetings that you attend, so that's another great way to earn CEUs and just connect with other peers; you might be able to discuss some of your pain points with. 

Courtney Cote: 100%, yes.

Debra Richardson: Okay, so switching from the conference talk to the talk at the conference – see how I did that? [laughter]

Courtney Cote: Yeah, I love it. Great transition, Debra, very smooth. [laughter]

Debra Richardson: Yeah, I had to point that out because I usually don't do things that well. All right, so now let's talk about your topic: corporate cards and virtual cards. What can everyone expect?

00:20:02                     

Courtney Cote: Well, we're going to talk a lot about credits cards and virtual cards. [laughter] I feel like that has been the pain point in accounts payable for so many years. I would say it's just been about the past, I would say, three to four years that finally we have a lot of new programs and vendors, and the credit card companies have come around and said, "Okay, we can finally make this better." And so I feel like AP is now benefitting more from using them, whereas, if you were to ask me personally five years ago, I would be telling you, "No! We don't use a corporate card to make third-party purchases, or anything of that matter." But now there's just so many benefits, and it's easier for an AP department to manage.

I have officially changed sides on corporate credit cards and virtual credit cards. We'll going to dive into what's out there and how we can set it up. Or, if you have a program, make it better. 

Debra Richardson: Wow. If I'm not mistaken, you're also going to cover how AI is reshaping the programs, because AI is in everything now.

Courtney Cote: AI is in everything, isn't it?

Debra Richardson:   It's going to be one of the ingredients in our food one day. We'll look on the back and it'll be "AI." [laughs]

Courtney Cote: That's scary.

Debra Richardson: That is very scary.

Courtney Cote:  I remember when 3D printers came out and everyone was like, "Oh, my gosh, it's a 3D printer!"

Debra Richardson:  You know what? It's funny you mention that, because at one of – I think it was 2016. Actually, it might've been 2017, but, anyway, it was the Las Vegas conference of IOFM, right, their fall conference. I won a 3D printer there.

00:22:01                     

Courtney Cote: Have you used it? I must know: what have you printed?

Debra Richardson: So I gave it to my cousin who was into that because I didn't know what to do with it at the time, but, nowadays, I don't know. I might've figured something out. Good question, though.

Courtney Cote: Oh, my goodness. I probably would've done the same because I would've had no idea – or now that I have two little kids, I probably would've used it for school projects or something, but that's pretty cool.

Yeah, I just feel like AI is everywhere. Even I personally work for an AI large-language model company, so it's been engrained in us the past one to two years, like: How can you use AI every day to make your job easier? I have talked to many hiring managers for accounts payable on how accounts payable is evolving, and everyone wants a leaner team now because they're leaning into automation. 

I really feel like accounts payable, the realm of it, like the work, is going from a lot of manual, more of a clerical position sometimes more into an analytical position, and every system based and system driven. AI has come in and it's really reshaped the whole way that we do things and how we can use it even just to create credit card agreements for the company super quick, things like that. So we will dive into how we can use AI to help our program for credit cards. 

Debra Richardson: Okay. That's really good. I don't know if – I know you're in Canada, right, and I'm in the U.S. I actually had an AI session, too. I really talked about how to use it like at the user level to be more productive, mostly in Excel and that type of thing and Word, but every time I do it, each time I do the session, I always take an informal poll: "Everybody raise their hands. How many of you have access to AI programs in order to take advantage of it?"

I'm hoping that when we get to the conference in November that it'll be more people that will have raised their hands, because now maybe their leadership has seen that there is some value and benefit into getting AI at the user level as well. I'm crossing my fingers that that has happened. 

Courtney Cote: Yes, I hope so, too. I feel like the last two years – I know when I first started going to IOFM conferences AI wasn't a topic. In the past two years, since ChatGPT, I would say it's completely blown up. I feel that the conferences have given the practitioners the resources that they wouldn't have known of one to two years ago. Like, "Hey, get into ChatGPT. There's a free subscription. You don't have to depend on your work to use it. Here's G2. This is where you can find all of your software rankings, if you're looking for something specific."

Just providing those tools, I feel like it's basically – yeah. We were talking about tools now, in the last one to two years, that we've never talked about before. 

Debra Richardson: Yeah. I think that, again, can be key to not just making what you do more efficient, but also really upskilling ourselves so that if AP automation comes in and happens to decrease the need for that data entry, that there'll be other value-added skills and talents you could apply to your position. Lord knows, in accounts payable – and accounts receivable, for that matter – there's always something that's not being done that could be done, that could be analyzed to make things better. And so, hopefully, that is the route that we're going to be going in.

00:26:31

Courtney Cote: Yes, 100%. I completely agree with you. I think it's moving from that manual data entry and you just need to think about the position differently, more in an analytical view and like, what can accounts payable bring for analytics now, and insights into cash flow, things of that nature.

00:26:52                     

Debra Richardson: I will tell you – one, I already said, yes, I will be going to your session because I am very interested in virtual cards. I will tell you, when I was a practitioner, I tried to get – so we used to always have a lot of one-time vendor payments for whatever. We're not going to use them again. It's going to be one time. I didn't want to pay them by ACH because we probably couldn't collect the banking information anyway, because of whatever circumstances that we were setting them up to do. And we didn't want to send them a check because that's a check. I tried to get as many of those types of scenarios set up as virtual card payments, but I wasn't always successful. There are some questions that I'm going to have and that I'm going to seek for – hopefully, you'll go over those. And if not, I'll be raising my hand.

The biggest thing, though, is I didn't want to have to set the vendor up in the accounting system or ERP. I know that, with some companies, they may set the virtual card or corporate card up as a payment method; other companies don't. I'll be interested in seeing what you have to say about that, but then also talking with some of the other attendees and see, if they've already set it up, how did they set it up? 

Again, my focus is always on vendor setup and maintenance and avoiding fraud. I'd love to not have to set that vendor up in the accounting system, just so that vendor is not available for internal or external fraud. 

Courtney Cote: 100%. And then I feel, with all of those, too, you overload your vendor master, and you end up with all of these open, one-time vendors that, at the end of the year, you're going in and closing, right?

00:28:55                     

Debra Richardson: Yeah. Wait a minute, did you just say at the end of the year? I'm going to stop for a minute and just pick my heart up off the floor, because those one-time vendors, ideally, your accounting system or ERP, you can categorize them as a one-time vendor and then it will automatically close the vendor after the payment. That's the ideal, but I've been places where that will happen in the accounting system or ERP because it's set up that way, but I have also been places where that doesn't happen, and you have to manually go in and close those vendors. That is a huge manual task, and that's another reason why I never wanted to set vendors up in the accounting system, especially the ones that didn't automatically close them or inactivate them afterwards, because then you have to go and do it.

Again, I'm very interested in these virtual cards and whether or not we can eliminate setting them up in the vendor master file. 

Courtney Cote: 100%. We personally use NetSuite and it does not close them, so I am not one who has to manually go in. We will talk about this more in depth. I feel like there are so many different things you can do. You can have a one-time vendor within your ERP, but we'll talk about the different ways to do it, like journal entries instead, things of that nature. I've seen a few, and we will go over them.

Debra Richardson: Well, just know that I will probably be raising my hand, like, "Oh, no, that Debra. Here she goes again!" [laughter]

Courtney Cote: I'll be like, "Everybody, Debra is in the audience. She really dislikes one-time vendors and if you haven't set your ERP up…" To be honest with you, Debra, I have to take that back to my accounting manager, because I don't even know if we, in NetSuite, can automatically do that. So I'm going to take that one back right there because I'm unsure, but I would love to pick your brain when I see you in person more [about] where you can do that. I'd be super interested.

00:31:12                     

Debra Richardson: But I'm not surprised that you need to put that on your list to go back and ask, and that's not a bad thing for everyone to go back and do, because you don't know all these things about your accounting system or ERP because even if someone else's version of – if they're using the same one, it could be customized differently, right, so you might have to ask. Or even with that, it may do something differently than the other person's configuration. It's not a bad thing, but I will tell you what I didn't know about NetSuite until we used it for a small portion of our vendors is that it has a lot of third-party apps that can connect to it.

Yeah, so if it's not in NetSuite, there's probably somebody that has some type of an app or something that could connect to it to do what to do. That's the thing I love about NetSuite. I was about to call it "Netflix," because you know that's just what I do. 

Courtney Cote: Oh, my gosh, yes! [laughter] It's like when I call Shopify "Spotify." I'm like, "Oh, I mean Shopify." No, I completely agree. And what's great about that, too, is some of the virtual card products that are out there, the vendors, do have an in-suite app. I'm going to go over that.

Debra Richardson: Great.

Courtney Cote: And then also something interesting with the AI and NetSuite – I might add this in, now that we've talked about it – is creating scripts in NetSuite with AI super quick to do those one-off, manual things that you're doing to automate that within NetSuite without having to go to a consultant or paying outside. We can go over how AP can now create those themselves.

00:33:12                     

Debra Richardson: Isn't that great? So this is going to be a good session!

Courtney Cote: Oh, I have to add that in now, Debra.

Debra Richardson: I don't know how long your session was and I know we have to submit our final presentations by like October 14, but, yeah, you might want to expand.

Courtney Cote: I was thinking about it last night. Well, I was getting in my steps. I was thinking about this while getting in my steps. I'm like,  "I think I just need to pull some stuff out and put some different things in." I will say, I'm also one of those presenters – I try to get through so much, and then I think it just – I looked at my watch and I'm like, "We have five minutes!" I was like, "Oh, no!"

00:33:57                     

Debra Richardson: Oh, yeah. You know what? I am so bad at doing that, especially if the audience/attendees start asking really great questions; you kind of go off on something, on a tangent, and it's really good, but then it's like, "Oh, we were supposed to be…over 15 minutes. Okay, don't tell 'em that on the survey." And then the next time I'll do it and I end on time. I was like, "Make sure you tell 'em I ended on time." [laughter]

Courtney Cote: I looked at it and I'm like, "Okay, we're going to not talk about three other topics. Go back and read the slides if you have some time."

Debra Richardson: "You got the handout."

Courtney Cote: Exactly, "Here's the handout."

Debra Richardson: Anyway, I am really, number one, looking forward to meeting you in person, looking forward to attending your session, and then just looking forward to getting out of the office and working from Vegas.

00:34:57                     

Courtney Cote: Oh, yes, me too. I don't know how much work I'll be doing after the conference. [laughter] Those slot machines! That's the problem, though. You go to Vegas and you're accounts payable – I don't know. Me personally, I'm like, "I cannot spend money on the slot machine." But, yes, I'm super excited. Hopefully, we get some warm weather. I think it's going to be a great time, great crowd. I'm really looking forward to it.

Debra Richardson: Yeah, I am, too. There's always really great attendees. They ask very good questions. I will just preface the whole thing by saying, if I don't meet you in Vegas in person because you don't see me, that is because I hit the jackpot on one of the penny slots. That's the only thing that I will play, right, because, again, I'm from accounts payable. We don't spend money.

00:35:52                     

Courtney Cote: I cash out if I'm down two cents. I'm like, "I've gotta go."

Debra Richardson: We don't spend money unless we have to, so if I hit the jackpot, I may say, "Hey, I'm out." But if you don't see me, that's what happened.

Courtney Cote: Debra's rich. She's out. [laughter]

Debra Richardson: Anyway, it was great talking to you. And again, I look forward to meeting you in November.

Courtney Cote: Yeah, it's going to be super fun. I can't wait to meet you. Bring your questions. I'm sure if I can't answer them, someone else in the session will be able to help us out. 

Grace Chlosta: Thank you so much for listening to the IOFM podcast. Remember to head on over to the Member Forum to discuss today's episode and provide ideas for our next one. And to stay up to date on IOFM's current events, both in-person and virtually, head on over to IOFM.com.