What I'd like to do is go around the room a little bit, have you introduce yourself, tell us what your role is, and then I'm going to ask you guys some questions.

Patrick

How does the credit team make sense of all of that for each client?

Yeah, so simply put, we just pick up the phone.

We keep very open communication with our clients.

And if a contract shifts, if a payment lags, we're typically the first ones to know.

And then we do a great job of monitoring invoices and contracts internally, along with building out projections with our clients.

So then sometimes we can even catch problems before they arise.