This episode is sponsored by Citizens Pay. With Citizens Pay, merchants have the security of a leading national bank and an omnichannel platform designed to streamline the buying process.  If you want to learn more about Citizens Pay, visit https://citizensbank.mvk.co/2hycr where you can find additional information about Citizens Pay and the buy now pay later payment model. My guests today are President, Lynne Baldwin and CEO Jack Baldwin from BHMI. BHMI develops and licenses the Concourse Financial software suite which is an integrated cohesive collection of back-office products that operate in near real-time. The product is architected around the Common Core with four separate applications that bolt on to it including extended settlement, reconciliation, fees and commissions and disputes. BHMI sells primarily to large scale financial services companies including financial institutions, banks and co-ops, processors, networks, issuers, and acquirers. Their primary differentiators are that they focus exclusively on the back-office and their near real-time processing. BHMI employees less than 100 people by design and pride themselves in providing excellent customer support.   Jack and Lynne are passionate about helping injured wildlife and have help create the Baldwin Wildlife Center where they care for between five and seven thousand injured animals per year.