So my name is factual and with the IRS associates, we're something firm based out of Fort Collins were 3665, JFK. And as Matt mentioned, I'm actually a resident of Loveland, and worked for the city of Loveland for over a decade. And all of the is Matt kind of referred to any of the incentives and incentive types that are referred to in the policy I've kind of managed, reviewed, approved in service over my, my tenure with the city of Loveland here in Northern Colorado, so I have some direct experience kind of working on them. So I, one of the kind of when I was asked to kind of help, assist and provide some kind of perspective and guidance and kind of putting this together, the idea was to be able to put a very clear and transparent process together for how you accept, review and approve and manage incentive requests for the town. And so with a focus on small business, and small and emerging growing businesses and the town, which I think is a good thing, you know, obviously they're big drivers for economic development. And I think to the extent you can support small business, I think it's a really strong, it's a good thing in a community. And I think part of part of, you know, working with the town staff was kind of trying to provide it kind of defined kind of what are those goals and outcomes that you're looking for with that incentive, both from kind of a policy revenue bases, but also from a geography where you're looking for that investment to occur? You know, I think the downtown core area, some of the harmony road was brought up as a priority and I think identified through other planning efforts in the town as well. And I and then I think the other part of is what, how do you apply the incentive? What is it for? And how do you manage it. And so I think the, the direction that I received was 35,000, which is a fairly modest economic incentive, that can be used for things like building permit fees, construction, you use tax, in facade improvements, and we also discussed making investments, I think it buildings, it provides some long term benefit. I think that that was my you don't I think in Timnath, it's, you don't have as much of it. But I know in the downtown core, you have some older buildings, that to try to make sure that they're economically viable if you can provide help businesses, make investments to make them accessible to put in infrastructure, like grease, interceptors for restaurants and things like that, as well as fire suppression systems to which I know are very big with the fire marshal, which I've experienced so, so kind of looking at those ideas, how you use it, how you apply, and if you want to go to the next slide. And so kind of once we define kind of the application process, the the, what it can be used for the kind of types. The other thing we tried to define is those types of incentives. And it's really the enhanced sales tax, which is a rebate. And both the construction use tax and building permit fee reimbursements. And so generally, my experience is when you're dealing with those as you don't want to necessarily waive them, you'd like to see businesses actually pay them and then you rebate them. So you take the revenue, you pay it back, or you rebate it back to those those those applicants. The same with the enhanced sales tax, I mean, you want to make sure that their current they're paying those taxes, then you are able to reap, rebate that back to them over time. And just for some perspective, it three a few thinking about a retail business at 50% of sales tax at three capped at 35,000. As a total incentive, that's about $2 million in sales from a small so that's a pretty small business. And I think if you're talking about, you know, locally owned or come more of a mom and pop, you know, that's to me, and and sales may occur over the course of maybe three to the three or four depending on kind of the type and the nature of the business and the retail so but the idea is to provide some flexibility, so they can be kind of reviewed administratively allow for some efficiency, and to meet the kind of the timeframe and the needs of the applicant and the business as well. And also how you can apply them so even though it's 50% of construction use tax and 50%. I think up to certain thresholds, you could apply one or multiple of those incentives in any single incentive. So if it's a build some building permit fee waiver, if they're eligible, plus some sales tax, reimbursement, anything you have the discretion to kind of how you apply that and, you know, obviously if you know based on the way the policy is written, if it's anything above 35,000, if they come in if there's some extenuating circumstances where the applicant or they believe that they may be there, deserve or their investment is worth or they have kind of a greater consideration. And obviously that becomes a function of the public meeting and the town board. So so that that those are kind of the details I was told, I hope to be that you appreciate brevity. Having worked for 11 years to the city of Loveland. I respect that tremendously. And so with that, I think unless there's anything else, so I'll kind of answer any questions.