best book bits podcast brings you an extraordinary 79-year-old entrepreneur woman Maria neth coach business owner speaker and teacher that has been working with people for over 53 years first as a licensed clinical psychologist and then a Master Certified coach with ICF she's the founder and director of The Academy for coaching excellence and the author of three books one of which entitled the energy of money which brought Maria to the Oprah show she has two podcast shows and a coaching app she's devoted to elevan women entrepreneurs and coaches to have successful businesses Maria thanks for being
on the show oh I am so thrilled Michael thank you for having me on the show today your legacy and the amount of work that you've done is is overwhelming take us back not too long ago 3 weeks your 79th birthday where you're riding a camel in Egypt that you just told me the story can you share your latest birthday with us oh I would love to do it for our listeners I know that you have a goal or aam dream you'd love to accomplish my advice to you is make it happen if you have
to save money for it put it in the savings account marked just for that goal or dream I saved up money so that I could go on a journey with um 24 other people it was from UCLA I'm an I'm an an alumna from UCLA graduate and we were with egyptologists and I was in Egypt and then I went to Jordan to see Petra you know that Indiana Jones it was just of a lifetime and there I was telling you going on to my 79th birthday on a Campbell in front of the Great Pyramid of
kops in Giza Egypt and Michael when you have a dream and then it's there it Chang it changed me and I'll tell you let me may I tell you how it changed me just in a bottom line I was able to go to the the Valley of the Kings I was able to take a balloon ride over it to see the whole thing I was able to go to carac and Abu simble all the places and what just Gob smacked me Michael was to be in the presence of 7,000 years of genius and creativity and
people people e something so that they could live forever in the Hereafter and then I saw my little life my just like blip of a life against 7,000 years and it just occurred to me the time we have here Michael what is it for and at that moment I saw it's for so that we can dance with each other so that we can contribute with each other so that we can have fun and support other people to attain their goals and dreams and the bottom line for me was Maria just don't take yourself so seriously
just don't take yourself those little thoughts we have our worries our doubts and our fears when I put that against 7,000 years of History doesn't mean very much so that's it quad humbling it it's nice to see you're still traveling still learning still thinking still exploring that that's right now take us back to take us back to how you started 53 years ago how did you get involved in this field and how did your story unfold 53 years ago I was a licensed clinical psychologist and I was seeing people in Psychotherapy and something happened it
was about 35 years ago so I've been seeing people for 15 years 35 oh my 40 years ago now I loaned someone $ 35,00 on an unsecured promisory note Michael which isn't worth the paper it's printed on and my friends and colleagues and relevants have said don't do this because the man oh I borrowed it at 10 and a 12% from an in-law because this man said he could earn me 32% on my investment does that sound too good to be true it was but I didn't listen to to my friends I didn't even listen
to my own voice of wisdom inside that small sweet little voice everybody has one if you're listening in now you know what I'm talking about and just as I was about to sign my check for 35 and0 over 100 $1,000 with a little line so he couldn't cash it for more cuz I was not a fool this little voice what do you think it was saying to me Michael yeah and I did it anyway I lost the money I was ashamed I withdrew from my friends and started trying to earn back the money I owed
before anyone would speak to me I was so mortified if you run from your lessons you know they follow you yes and I get a call from a reporter from the Sacramento be it's the newspaper here in Sacramento she says Dr neemo and of course I got my very professional voice on yes may I help you you know how we get that voice she said oh Dr neemo thank you I we've been having so much trouble in Sacramento and I've been given your name because you're a noted psychologist and an associate clinical professor at UC
Davis Department of Psychiatry please you have to help us there's been a Ponzi scheme in Sacramento and people have been losing everywhere from 20 to $50,000 on this can you really tell us from your experience as a psychologist your diagnosis what's wrong with these people and of course she was talking about me too now I'm an extrovert and in order for us extroverts to know what we're thinking we have to say it out loud and so I started telling her everything I lost the money I didn't listen to my friends I and she did at
some point say are you sure you want to tell us this because I'm printing it and I said you know what you might as well print my story cuz if someone can get something out of what I did if it'll help them then at least it'll take some of the sting out of it for me so she printed it Dr neth welln psychologist gets stung by this deal and my friends and colleagues and relatives started calling me Mark Michael and the thing about it was instead of asking me why did you do it and you
know what's wrong with you and all that they started telling me about their difficulties with money and I saw it didn't matter how much or little people have Michael it doesn't matter how much or little of this energy of money you have there's always some difficulty attached to it so I started a course called you and money and it was wildly successful and I changed it to mastering life's energies because there's the energy of money it is energy but there are five other energy that we learn to use there's time physical Vitality creativity enjoyment and
relationship but of all those six forms of energy the one we have to learn how to use first is money and that's been part of my journey thanks for sharing and when did you do that course how long ago was that and then what came from that oh thank you for asking I'm glad you're interested I started that course maybe 34 years ago and I was still seeing people in my private practice but at some point right around there I became interested in something called coaching which as you know 30 even 30 years ago no
one really saw it as a profession we had Voice coaches and athletic coaches but we didn't have personal coaches success coaches and I began studying with some people who were talking about coaching and I began coaching people and I saw that was more suited to my temperament so I worked with people after working with them I began to develop some success techniques that I tried it out on people and I keep telling those folks 25 30 years ago that they were my guinea pigs cuz I tried the things that worked and and scuttled the things
that didn't work but the bottom line is that about 22 about 23 years ago I came up with this fairly solid grouping of tools and principles and techniques that are geared toward making people become successful in whatever they choose in life and some colleagues talked with me why don't we open up a coach training Academy using your work and so we did 22 years ago and we were one of the first in and I made sure that we had certification from ICF because being an academician myself and knowing Michael if my listeners Come Away in
this podcast with nothing I hope they just get this one thing coaching is is just as powerful as Psychotherapy with coaching you're holding a person's life their goals and dreams in your hand and how their life turns out will be do in no small measure to the way you supported them now why I'm saying that because I've become a real staunch advocate of rigorous training for coaches not this two weekend Michael if you were going to be going to a psychotherapist and you ask where did you get their training your training and they said to
you I took a two weekend course and I have life experience that qualifies me would you choose them as a therapist no and I say that coaches should be held to the same scrutiny because of how powerful is so that's my story and I'm sticking to it just a personal note as well so I've always wanted to be a coach myself I started reading books read about 500 books to write my first book success in 50 steps which is basically my coaching manual through there but did the hard work did read the books did the
courses all that stuff as well and coaching people from a passion not from a monetary thing so anyway I went to a coaching seminar about four or five years ago and the coach was basically said look the coaching area at the moment is the Wild West it's not regulated obviously the internet a lot of people get into it do marketing call themselves a coach and I was really Jaded by a lot of people getting into the industry without having to doing the hard work or the background or the certifications as well and a lot of
these coaches are certified people on their program and it's like they're not even certified so this is weird join my 5day free group and then all of a sudden you can be certified doing this and marketing there's just a lot of people in it just for the money where it's as you said before it's such a powerful tool to help someone else you really need to be not only certified but have the correct knowledge or the come from the right heart instead of the head a lot of people coming from it to make money instead
it's actually you got to be there to serve someone else so yeah really jaded on the coaching industry at the moment but what led you to develop the Mastery of life coaching program that it took a while my colleagues and I and of course in order to run the Academy I had to have my master coach certification through ICF because Michael I wanted everything to be verified through in the international coach Federation is the closest we have come to what the American Psychological Association was let's say 50 years ago it's not a licensing body but
it does certify that if you get certified through a program like ours and like others that are accredited that you've been well trained and it's recognized throughout the world so if you have an ICF certification you're an ACC or a PCC it's really good and what we've done is we have courses they're now done on webinars on Zoom because because of the pandemic we had to Pivot and put everything on Zoom but you have skill building webinars you have mentors who work with you personally twice a month you have skills groups in which you meet
with small groups in the presence of one of my master teachers and for 12 weeks you go through this intensive skill-building training I mean you have an ethics course the ethics of coaching I also have a a course that I've designed because I used to do a lot of Crisis Intervention as a psychologist and I want my coaches to recognize when the client they're working with is in crisis and so when to coach them and when to refer them and so I have a working with people in crisis working with clients in crisis course is
called so as you can see oh and we have six observed coaching sessions that the person has to pass at different levels and once they have pass their sixth level and this is reviewed by our mentors and scored but once they passed that and take our written test then they're certified and only then because I want to make sure that if you have the academy for coaching Excellence brand that you are going to deliver Services above and beyond frankly what is currently called for and so you're absolutely right 100% right Michael you can only really
be a good coach if you want to see people be successful above everything else and when you are are trained well and can be counted on to provide a good service then you can afford to have fees that reflect your training and your certification but just to be in it just to make money one of the things that happens is that the coach will become cynical and skeptical themselves because they sense they don't have the proper training to work with the person that's in front of them once again knowing that as a coach Michael you
and I everyone who coaches you're holding that client's life their goals and dreams in your hands and how you promote them how you support them will determine how successful they are and then how successful you are and there's nothing better than to know as a coach you've had a hand in having your client be financially successful um personally successful in whatever they're doing it's a to me it's a thrill and I'm 79 years old as you can tell I love it I'll probably be doing it till I'm 99 years old listen I had a clinical
supervisor when I was at UCLA her name was heta bulgar and she was from Vienna do you know she was from Vienna and she talked to me she said one day Maria if one of your patients says you look like a monkey first look in the mirror you might look like a monkey and she was supervising people till she was 98 I definitely think you can do it I want to change gears a little bit and talk about the energy of money as well one of the one of the books that you've wrote have done
the summary of it it's fantastic you talk about the money is similar to the relationship with money as the hero's journey as well can you talk a little bit about that and how money's related to the hero's journey I have a saying that has proven correct over the years that how you do money is how you do life if you are if you're successful with money if you're using it in the way you want to be using it it impacts your whole life it impacts your as I said there's first there's money and then the
energy of time and money and time aren't they really intricately woven together many years ago when I asked someone why haven't you done what it is you love to do the first thing they'd say is I don't have money but over the past 5 years especially when I ask someone why is it that you haven't done what you really want to do the first thing is I don't have the time so there's money and time and if you can work with those then there's physical Vitality meaning having a relationship with your body that guarantees you're
going to be on this planet long enough to make the difference you want to make and then of course there is the energy of creativity which is to learn how to to creatively deal with the inevitable obstacles that happen the energy of enjoyment means what you enjoy doing and I hope people are getting this little tidbit for themselves whatever you enjoy doing you will be successful at and then finally the energy of relationship which means that we all need each other Michael I need you you need me I'm in a support network I know you
are too successful people don't think do things alone they do it through the support and relationships the rich relationships that they developed but it all starts with money one of the first things I did God it was 26 years ago I wrote this book in which I kind of brain dumped everything that I had learned working with people and their relationship with money and there are exercises in the book and there are thought exercises as well as written ones but the bottom line is that book is very I'll say it this way is very densely
written meaning you know how people might say oh I'll finish off a chapter tonight I'll finish off a chapter no usually people can get through the first five pages and then they stop and think a little bit and then go back it's really good to do this book in a in a book group so that you can support each other in doing the thought exercises and the actual physical exercises that you need to do so the bottom line is uh my one of my dreams is to show people how to transform their relationship with money
so that they can become very successful and I have a way of defining success I think that might be different than a lot of people we use it at the Academy success Michael is doing what you said you would do consistently with Clarity Focus ease and Grace where Clarity is about learning how to see what's important to you and a lot of this work is aimed at having people see what they really value in their hearts focus is about learning how to focus your brain toward what you really love without getting distracted and you know
how easy it is for us to be distracted EAS is about learning how to take small sweet steps toward a goal not biting off more than you can chew and then getting exhausted that old fable about the tortoise and the hair and the Tortoise actually ends up winning it's one of asap's fables it's true steady progress is what really makes it not the flash in the pan yes stick with me and I'll you'll be taking in $300,000 a year just take this program all that stuff it's just not it's not practical it's not doable then
the last one so that's ease ease then the last one is Grace and the definition of Grace is the ability to see the blessings that are around you already and the gateway to Grace is gratitude success then is doing what you said you would do consistently with Clarity Focus ease and Grace and being financially successful is doing what you said you would do consistently with money with Clarity Focus ease and Grace and by that definition I've discovered and as you can imagine over the past 52 years I've worked with one or two people right one
or two right I've discovered that just because a person has millions of dollars doesn't mean that they're financially successful because they worry about it they worry about losing it they're worrying about how to keep up the momentum when they're exhausted and also by that definition people who have less money but they're doing exactly what they want to be doing with it they're saving it they're focusing they're taking small sweet steps when it comes to money for example I remember one woman who said okay I'm going to save $50 a month and I'm going to put
it in an Investment Portfolio she's I've never even heard of an Investment Portfolio but at the end of a year she had $600 and she put it in an Investment Portfolio and she was elated and decided to spend save $100 a month and at the end of the second year she had $1,200 in another Investment Portfolio but the point of it is this Michael she was absolutely motivated and ended up up starting a virtual assistant business and now she's socking away quite a bit of money for herself and her children and they're using it with
Clarity Focus ease and Grace as well as investing it but she doesn't have money worries anymore so that's what I'm talking about and thanks for letting me give you these long answers appreciate it everyone of a Bible story of the poor Widow who gave two pennies and the plain truth is that the Widow had given by far the largest offering today because all the offers that she made they'll never miss she gave extraordinary cuz she couldn't afford it she gave it all so even though it was only a small amount but it was everything that
that she had I hear what you're saying so I had this thought as well so people with money if you're not at ease with it you're stressing about it worrying about it are you really financially successful where someone who might not have a lot of it there ease small sweet steps as you said consistency they're focused they got gratitude it's not the amount it's it's really just a ratio as well so it's how money impacts your energy your happiness your lifestyle as well so I'll be interesting to to jam on that a little bit more
one of the things that you talk about you and the money course Begins the first question we look at is how we confront our unconscious beliefs and feelings about money is that the first step with a lot of people that because obviously we brought up in an economic society and money is a lock that unlocks things talk about people's unconscious beliefs and feelings about money one of the best ways whatever you can bring to the surface and observe how it's been operating in your life I don't mean analyzing like why is it this way but
to really observe your relationship with money it's a very important thing and so one of the things that I have people do whether it's in my book the energy of money or in courses at the Academy we have lots of courses for people who don't necessarily want to be coaches but they want to transform their lives one of the best things to begin to do is a money autobiography and in my book as you there are a number of questions that I ask people write about things like where did you first learn about money how
did your mom act around money how did your father act around money no no wise I don't want analysis and if we had two hours I'd talk to you about how analysis doesn't really get us anywhere but that's a whole other story what was the first money you earned what did you spend it on have you ever lost money what was that like have you ever put money toward a savings for something you want what was that like there's so many questions did your family talk about money at the dinner table where where did you
learn about spending money did you learn it from your mom or your dad just all these questions because I'm just giving you a couple there's just this whole list you don't have to answer all of them but what you do is is you uncover a a way of thinking about money that you hadn't seen before you might have thought it but you didn't really see it observe it oh and I ask you to give a title to the money autobiography and some people come up with very funny titles my extraordinary relationship without money or something
the or they come up with serious titles but that's the way to surface all this stuff you don't have to go through a lot of analysis or anything just answer even when people answer let's say uh six or eight of those questions ideally answering 10 to 12 of them is the best but answering six or eight of them will give you something that I call your structure of knowing about money whereas meaning the kind of created network of conclusions that you have that inter interrelate with each other and just to see it is already life-changing
and I don't ask people to analyze it but just look at first of all acknowledge themselves for doing this job because it it's a lot to have people look at their Rel relationship with money and after they observe it what conclusions are you coming to about your relationship with money and write them down and then there are things I have you do with those conclusions that have Arisen because you've done this money autobiography so that's the first way I have people look at what they knew but didn't know they knew about money one of the
other things you talk about thanks for sharing that's really great you talk about breathing room as well asking people do I have enough money ask the question to yourself three or four times where does your body register reaction your stomach your chest your throat Breathing Room occurs the moment you get into what you call the observational position as well can you talk about breathing room some people might not have a lot of money but they're quite they they've got that Breathing Room of oh okay I've got enough money for x amount of time and some
people might be rich and they feel like they they've got no money and there's no breathing room or no wiggle room can you expand on that a little bit you know what you just you just said it all brilliant because that's exactly what that's what happens yeah the what I was saying that you observe this um this money autobiography creating the observational Gap means that you see something you're not analyzing it you're just noticing it like you would notice a patch of flowers there's brightness here there's Darkness here there's worry here there's calm here let
me see about this brightness what makes it bright I talked about the times that I was winning with money and how great it made me feel let's look at the darkness what's in there oh for me the time I lost $35,000 on an unsecure promisory note but you're just noticing and it puts your mind in a different state where it's not tied to the old patterns it's observing the patterns I know it's a sometimes a difficult distinction to comprehend cognitively without having that experience where you're seeing something that you hadn't seen before but you see
it in such a way that you're empowered to do something not the same thing over and over and over you know how our minds do a lot of analysis and you've heard that old saying analysis paralysis if people stop for a moment and observe excuse me if people people just stop for a moment and observe what they're experiencing for example as they look at their money autobiography I remember one woman saying to me I've looked at the dark spaces all the times I've worried about money etc etc and I asked myself Sylvia have you had
enough of doing it this way saw this stuff happening over and over again but because I was in the observational position I could ask myself really authentically have I had enough worrying have I had enough dreading money have I had enough running from it is there maybe some other way I'd like to establish a relationship with money and then you see you're on your hero's journey right then and this relates into what you talk about in the book trouble at the border as well so projecting Our Lives intentions into physical reality so you know we
have that we begin to move from ID from the metaphysical realm into the physical reality and you cross that border between the very two different worlds as well so internally we might have a great idea and we like this is this is great it's perfect everything works out in our dreams and then trouble at the border of Crossing that Chasm can you talk a little bit about trouble at the border I would love to and Michael let me say that since over the past 25 years since is writing that book for example uh I have
reconceptualized what trouble at the border really means and one of the reasons is because in our world right now there's so much trouble at border crossings real in life and 35 years ago when I started talking about it it was trouble at the border was but now people they don't relate to it in the same way what I really saw was this what happens when you get to this border because there is an imaginary line folks that separates two aspects of life as we've come to know it there's one metaphysical sometimes people call it Visionary
reality and then there's physical reality now when you start putting that idea dream or Vision into physical reality you start experiencing a lot of difficulty it's normal I remember one man said when I first started writing my book even sitting at the page typing that first paragraph of the book it felt like I was standing on a sunny Beach all of a sudden being hit by a cold wave of water a huge cold wave now I said to myself what's really going on here that experience of tension of worry and doubt am I up for
this number one it's what every hero experiences on their hero's journey Joseph Campbell who wrote eloquently on the hero's journey and who was the mentor for George Lucas George Lucas said if it weren't for Joseph Campbell Star Wars would probably never have gotten off the drawing board but to get back to this part of the hero's journey is to confront the inevitable obstacles they're inevitable you're always going to have obstacles I say if there are no obstacles you're not playing big enough there'll always be an obstacle the question is what is this an opportunity for
and it's an opportunity for Mastery so that's what I call it now an opportunity for Mastery and what are we mastering there we can learn a number of ways of going past this place with ease and I've developed those strategies over the years and whether you're reading The Energy of Money or incidentally I have and this is new I have a digital course called the energy of money which is based a bit on the book but I give people a lot of extra things to do and it's me on video and and you have all
kinds of book booklets to write things and it also comes with three coaching sessions from me I have three group coaching sessions and so you can do that or you could uh just read the book the energy of money or you can come to one of the courses at the Academy for coaching Excellence I'm doing a plug here but there are tools that you can use to go past this border experience and once you do you experience that you've mastered this Mastery is your ability to interact in a productive way with any op obstacle you
experience at this point of Mastery one of the things that you talk about in the book which interrelates with this so you talk about the four steps of the coaching model look and see they're more metaphysical things because looking and seeing happens with the eyes inside and then you talk about tell the truth and this is you authentically telling the truth so step three but the last one which is take authentic action that's the bridge that's the action of crossing the chasm or crossing the border between the metaphysical and the physical can you expand how
important it is to take authentic action and what you mean by authentic yes authentic action oh thank you for asking me these questions I love it authentic action is there are two kinds in the coaching Paradigm that I've developed and remember I'm talking to you really about a coaching Paradigm as we're talking about this the first kind of authentic action is designed to clear away any unfinished business so for example you might out of an exercise that you've done you might look and see and tell the truth that you have not gone through your credit
card bill you've paid it but you haven't gone through it in 3 or 4 months to actually see what it is you're buying and whether or not you're going over the top with some of your expenses that would be authentic action the first type A type B authentic action is actually going toward a dream which is for example I want to have you might say to yourself I want to have more vacations but I want to have the kind where I don't have a huge credit card to pay off at the end so I'm going
to begin a vacation savings account and I'm going to put one or $200 in it every month I'll have there's there're the kinds where the bank automatically deducts and puts it in that account and in most cases you never feel it really just don't there may be times when you say ooh I need to stop spending so much but for the most part people report to me if you keep it low enough you don't experience but at the end of a year let's say if you put a couple hundred away every month you have $2,400
that's begins to be at least the beginning down payment here in the US for a short Cruise you have to pay maybe $1,000 more but you have the money and so you're not going into debt big debt because no one likes to be on vacation where you sense that you're going to have to confront a huge credit card bill at the end that's no fun so that would be type two or type B authentic action is that clear yeah yeah absolutely I want to talk about some of the inner blocks that seen people from taking
the action they might get to the point where they plan they set goals and then L gets in the way and then they're dealing with these fees it's is dealing with these inner blocks to progress can you expand on some of the inner blocks to progress that stop people from achieving their harmony with energy with money of course the inner blocks I have codified a name for it which is a Buddhist name called monkey mind which is that aspect of our brain of our mind that's always chattering at us as it swings from doubt to
worry and back to doubt again the bottom line two bottom Lin Minds actually monkey mind is inevitable when you're going from metaphysical to physical reality is inevitable and we all have our symptoms our private symptoms and I've listed possible systems symptoms of monkey mind it's in the book it's it's in my digital course all you know because I want people to become familiar with all the it's really called a negative negativity bias which is the tendency of our brain to look for what could go wrong before what could go right and I know we don't
have three hours together let me just say that uh this aspect of the brain is probably due to the fact that our brain has not changed Michael in 100,000 years we have the same brain and 100,000 th000 years ago the first thing we wanted to know when we left a cave for instance going for food the first thing our brain looked for was the Predator because if we didn't look for a predator first we could be eaten before we got our breakfast so those who stayed alive are those who had this mechanism in the brain
and you and I people who are alive today we have inherited this anxious brain this monkey mind brain but and so there's nothing wrong with you there's nothing wrong with your brain it's just built in that's the first lesson and the minute you can see what it is oh right now I'm doing a comparison I'm comparing myself with Jim over here and how many clients he has comparison the minute you can observe it don't analyze it but observe it if you can see it you don't have to be it and so you become aware that's
it yeah excellent thanks for sharing and just to shorten the other one SP you talk about dancing with the monkey mind you talk about forgiveness building strengths to dance with your goals as well staying on the course there so much great stuff in the book and I'll let people I'll let people go out and buy it as well but yeah I think it's probably a good time to put a bookmark in it where can people find out more about yourself or do you hang out on social media Maria as well where can they buy your
books do your courses and yeah I know you've got the podcast above you want to talk about that too the bottom line is this I would suggest you visit acce coaching.com to see about the ACA Academy foundational training which is this course for anyone you don't have to be a coach but if you want to transform your life my guarantee is that you will in this course if if you want I have a Weekly Newsletter and you can get it by going to maroth docomo of on a weekly basis or you can go to energy
of money.com and look at this wonderful digital course so that's it me I'm on the website at the moment fantastic you've got a lot of great stuff there the energy of money podcast too and the coach training podcast so they still active as well that's it Maria thank you for being great guest on the best book bits podcast and to my audience out there yeah check out your stuff what's the story with Oprah did you did she get the book or were you on the show or yeah she got the book and and Amy Coleman
who was working with it at the time called me one day out of the blue and said said we got your book we love it we've read it we want you to be on the show in 72 hours and working with a mother and her two daughters and of course I said all right of course my heart's going like this but 72 hours later there I was on the show and she held up my book and we talked about it and I talked about this mother and her two daughters that I had worked with the
day before so that they could be on the program and it was wonderful she me and I do have a dream here it is 26 years later to possibly be on her Sunday Soul Sunday Club yeah I would love to be interviewed by her 25 years later it just would be a ball but who knows we'll see absolutely no awesome that's pretty cool thanks for sharing that story yeah but again thanks for being a guest thanks for all the work you've done over the decades as well and thank you for shining the light on people's
paths as well and all the things you've done in the coaching world too yeah to my audience please check out Maria's stuff and you enjoy the rest of your day and we'll speak soon okay and Michael I just want to say before we hang up you are an excellent interviewer it's been my honor and privilege to be with you today so thank you very much thank you Maria privilege is on mine thank you
