Transcript
Cliff Marg (00:00) morning. You’re on mute. It defaults to mute.
Nilmarie Molina-Santiago (00:06) Can you hear me now?
Cliff Marg (00:08) There we go. Now. I gotcha. Good.
Nilmarie Molina-Santiago (00:10) Morning. Nice to meet you. Nice to.
Cliff Marg (00:12) Meet you. Thanks for being flexible with rescheduling. I had a rough couple days. I think I got neurovirus as a matter of fact, I’m still like, I’m still scared to leave the house, but I’m okay.
Nilmarie Molina-Santiago (00:25) I’m so sorry to hear. And then I just hope that you’re feeling better.
Cliff Marg (00:29) Thank you. Yeah, I’m feeling it’s I didn’t know if it was food poisoning or not, but it’s both of them are like a 24 hour kind of deal. And then you’re just kind of, I was just kind of like zonked for a few days, but today, I’m back to normal back to real life.
Nilmarie Molina-Santiago (00:46) That’s good at the end of the day.
Cliff Marg (00:48) Exactly. Well, thanks for hopping on. I think, you know, we’ve got 30 minutes here. Should be more than enough, probably take, you know, 20 25, but I think ultimately like excited to chat, learn a little bit more about the organization, how you’re all handling credentialing today, your goals and some of the challenges. And then I’m happy to share a little bit more about medallion and ultimately like just trying to figure out mutual fit. And if so, we can chat through some next steps. But was there anything in particular that you wanted to cover today? Or questions you wanted to get answered? I can make sure that we cover them, so.
Nilmarie Molina-Santiago (01:21) Basically, we are a community mental health center, right? That we are expanding. We’re building our own hospital that is supposed to be up and running. Now, at the end of December, we currently have an external vendor and we were kind of looking for other options whether to do it in house with the support of a credentialing platform, right? To help us submit applications and keep track of expiration dates and all of that. Because right now we do not have any of that or to go with a vendor that will provide all of it, all inclusive, right? Like services and the platform as well. So, and during this week, we had opened the credentialing specialist position and during this week, we had a good match a candidate. So we extended the offer to that applicant. So it’s looking more in a direction now that perhaps if we were to have the meeting on Monday, I will be saying, well, I’m looking to see both. But now I’m more inclined into just the software rather than the whole bundle of services included, right? So hoping that everything goes well, right with the application. And then the person starts with us. Then now we’re just inclined to see what the platform offers, right? For us to handle on our side. Like in house. The other thing that I wanted to mention is that we’re trying to compare, right? The different vendors we have been narrowing down. And now we just have to, we wanted to see what you had to offer because we have heard great references about medallion and then the combination with our specialty, right? Because we are behavioral health and not everybody has those connections as well. So we wanted to wait for this meeting as well to then gather the information, see your platform and all of that then to compare both vendors and then make a determination?
Cliff Marg (03:42) Yeah, fair enough. And it sounds super exciting you guys are building. Is it going to be like your first? Like hospital? Yes. Okay. That’s very cool. I guess my first question for you just in terms of like the partner that you’re leveraging today to do everything. I… don’t care as much like who it is. But like what, I guess what are they doing specifically? And what are the challenges that you’re running into that’s kind of bringing you to look at alternatives?
Nilmarie Molina-Santiago (04:10) So, they are handling everything, from onboarding process and lessons that if we’re onboarding a provider that doesn’t have an mpi, they will go ahead and they will request a new mpi, new medicare number, anything like enrollment, more or less, right? They handle the rosters, the uploads of the rosters, all the applications to the medicaid, the renewals, all of that stuff, challenges that we’re experiencing communication. We have very limited communication. We don’t get the answers when we are trying to ask the question, why do we need to do this way? We don’t get an answer or the answer is just because medicaid requires. So it’s not very collaborative. I’ll say, yeah, very restricted, not professional. We don’t even get the copies of when the provider has been fully enrolled with the payer. We don’t get a copy of that communication that’s sent back to them, right? And we are here trying to handle RCM fighting billing. We get denials, denial for provider knowing network. But then we heard from our vendor that provider is a network yet we don’t have the evidence to be able to fight it back. So we just have to write it off, right? So, it is frustrating at this point. So we decided we need something else especially since now we’re going to have the hospital and the volume is going to be bigger.
Cliff Marg (05:43) Yeah, makes sense. And like when you send things off to the partner today, like do you have any, do they leverage like a platform? Do they have their own platform where you guys can kind of log in and kind of check on? I guess application status, par statuses for providers? Or are they just sending, you know, maybe like a weekly update email like this here’s, you know, where these providers are at?
Nilmarie Molina-Santiago (06:07) They do have their own platform. They do not share that information with us. So we’re just blindly trusting them. We do get an email on Fridays. It’s just a single spreadsheet. So it’s not efficient if you think about it. Yeah. So, yeah, that’s what we’re dealing with. You can understand our frustration?
Cliff Marg (06:28) Definitely. And then like, are there challenges with turnaround times with this vendor? I guess just in terms of like, I guess time to par status when they’re submitting these applications or is that not as much top of mind for you all I?
Nilmarie Molina-Santiago (06:40) Don’t think like timeliness will be an issue because we know the payers right? And the payers are very challenging and they do take a while. So I’m not going to blame the timeliness rather than poor communication, right? And when she receives something and she, when I say she is, this is the manager, right? We’re talking about when she receives the information, she’s sending that to us right away, I can see, the timestamp right? On the email or on the communication. It’s right away. It’s just communication is not present.
Cliff Marg (07:17) Yeah. Got. It. Makes sense.
Cliff Marg (07:22) I had one other question on them. It’s escaping me now. Okay. Well, I think that’s super helpful. Oh, my question was who on your team is kind of like, the liaison or main point person? Is it you mainly that’s interacting with them or is it someone, on the RCM team or how does that work?
Nilmarie Molina-Santiago (07:41) So it’s been very weird. It’s it’s the assistant of the administrative assistant of the coo, which is kind of weird. So it, yeah. So it’s not someone assigned to Ar or RCM at all. For some reason, I’ve been with zlc, I’m going to turn three years. Now, it’s been like that for I’ll say seven years. I’m not going to be able, to elaborate on the history of it. It was like that now it’s in the transition of now everything falling under RCM because it’s a place where it belongs, right? But for some reason, we do have the middle person as just the administrator of the coo.
Cliff Marg (08:24) Got it. Yeah, I was curious if you had like one credentialing specialist on the team today? Zero. It sounds like zero, the candidate that, you just kind of, yeah the first one… okay. And then… I guess I’m the other thing that I’d like to get a sense for roughly is just like volume, of work just in terms of, I guess how many providers do you all have today? And more importantly, like how many new providers do you all expect to bring on maybe over the next 12 months especially with the addition of kind of the hospital coming. So.
Nilmarie Molina-Santiago (09:03) I’ll say that as of right now we have billable providers, right? Considering doctors, licensed clinicians, TCM supervisors.
Nilmarie Molina-Santiago (09:15) I’ll say close to 60, not there yet, but close to 60 and then expecting to add around 20 to 30 and then next 12 months depending on how everything goes.
Cliff Marg (09:28) Yeah. Okay. That’s super helpful. And I assume you probably work with maybe 10 or so payers?
Nilmarie Molina-Santiago (09:34) More or less, we do have, I’ll say 14 different contracts. And then if on top of that, you throw in complexities for just straight medicaid and straight medicare as well, right? So it will be like 15 more or less 1,516.
Cliff Marg (09:50) Yeah. And I heard you mention like submitting rosters to payers, typically, that is for like a delegated arrangement that organizations will have with payers.
Cliff Marg (10:03) But it sounds like some of your payers as opposed to going through like the direct enrollment, like submitting an application, which is probably what this partner is doing. Allow you to submit via roster which tends to expedite the process. But am I understanding that, right?
Nilmarie Molina-Santiago (10:17) Yes. So for majority of the payers, I’ll say they do have their unique kind of roster where you do have to either add per location or include the termination information for any applicable staff, right? So they expect that to be exchanged at least once a month.
Cliff Marg (10:41) Okay. That’s helpful. And then I assume especially with the hospital coming like you will have to do more of like the privileging… or like joint commission level credentialing, correct? Are you doing that today? Or is that something that you’ll start doing once the hospital is up? So.
Nilmarie Molina-Santiago (11:02) Joint commission, it’s been handled by Qi, but it’s something that we do have to do as well because of the type of settings, the type of setting we have, we do offer currently inpatient services as well. So we do have to go through that process.
Cliff Marg (11:17) Okay. And Qi, is that the vendor or what is?
Nilmarie Molina-Santiago (11:22) It, no, I’m sorry. So that’s the department quality, the department of quality. So they are the ones managing the joint commission certification. Okay?
Cliff Marg (11:31) Got it. Okay. Super helpful. But, and I imagine you guys are doing like some like the primary source verifications that’s something that you’re doing internally, no.
Nilmarie Molina-Santiago (11:40) HR is doing it internally, yes, and not on my department, but that goes through HR.
Cliff Marg (11:45) Got it. Okay. That is very helpful. I think that answers like the majority of questions that I have, I’m debating between nellmarie, like walking you through potentially some slides just kind of explaining medallion and kind of our business model versus, I mean, I can definitely show you a little bit of the product and kind of workflow and explain how we partner with companies, what would be most useful for you to get kind of like a good.
Nilmarie Molina-Santiago (12:11) Yeah, you can show me the product, how it is and whatever it’s easier for you. I would like to see something, right? To understand the platform.
Cliff Marg (12:19) Yeah.
Nilmarie Molina-Santiago (12:21) Give.
Cliff Marg (12:21) me one second here.
Cliff Marg (12:27) I will preface this by saying, usually, I partner really closely with a solutions consultant in our org who is more of like product and subject matter expert, but I can definitely show you at least give you a sense for like kind of what this would look like. Let me see.
Cliff Marg (13:00) And maybe, so, let me just start with like two things really quick.
Cliff Marg (13:08) We won’t spend a ton of time here looking at slides. But I think just to give you a sense of like what medallion is like, very high level, medallion is a technology company, right? AI powered platform. Our goal is to help or use help organizations leverage AI and technology to really automate the majority of the credentialing process which in general is like a lot of hands on keyboard. It’s a lot of busy work that, you know, I think we’re doing some really innovative stuff to lighten… the load on any kind of internal team as well as decrease turnaround times. And, you know, improve quality, right? If you’re experiencing issues with denied claims because you don’t have the proof documents and things like that. Like all of that is stored in medallion. Like at our very core, we are a provider data management solution. So somewhere where you can store all of your provider data, any external documents, track expirables, right? And just have that kind of single pane of class that you or someone on your team can kind of log into. And at any given point, understand, hey, new provider started here’s, where they’re at in the process here’s when we’re expecting them to be able to be billable and see patients. And so typically, we’re really helping customers kind of across the gambit in terms of like handling the ongoing monitoring, the primary source verification, joint commission level credentialing, or privileging, in some cases, licensing payer, enrollment, et cetera. So all of that can kind of be done centrally within medallion. And it’s based on the fact that like medallion is that kind of provider data management system, right? So we’re doing a lot of the heavy lifting upfront to capture all of the provider data which then can be used downstream for all of these use cases. And I think the reason generally… that organizations will partner with us, it’s like they’re trying to do a couple of things, whether that’s accelerating revenue. So sometimes people in your shoes will come to us and say, hey, it’s taking 150 days for our providers to get a network with payr, xyz doesn’t sound like that’s the case for you all but medallion because of the scale that we are operating. One of the advantages is we also have relationships with a lot of these payers and different ways of submitting, whether that be via roster, whether that be via API integration to their backend, that helps us accelerate those turnaround times. Sometimes we’re reducing opex, that can be sometimes compared to an external vendor, right? If their model is more people dependent, right? So they’re saying this is how many people it’s going to take to staff your account. Oftentimes medallion, because we are leveraging technology is going to be more cost effective. Similarly, a lot of organizations will say, hey, it’s going to take, we would need to probably bring on two or three ftes or sometimes they have a team of five to 10 with some of these larger organizations. And medallion says that probably really needs to look like one or one and a half depending on your scale. And medallion’s kind of automation and just ways that we’re reducing kind of that manual workload allows you to kind of be a little bit more leaner. And then lastly, it’s removing provider abrasion, I don’t know if you’re feeling this today, but a lot of times when working with external vendors, we’ll hear… kind of a similar experience where they’re just like, hey, I don’t know where I’m at. They’re asking me for all these documents. I don’t know why they need X y and Z and sometimes it can come down on the provider. And so medallion does a lot of that heavy lifting connecting to different third party databases. Caqh. We have a proprietary integration with a few others that really helps lighten the load and kind of what’s needed for providers. So those are kind of our value pillars. I’ll show you this quickly. And then I’m happy to just show you like an example kind of walkthrough of the platform. But these are just some of the different ways that we are using AI in our product to make things more efficient. And I can show you some more examples of these, but it’s the ability to take documents, right? If a provider uploads their Coi, you know, they don’t or their license, for example, they don’t then need to key in all of that information. Medallion can just read all of the things off of any document and directly map that into the platform. And then map that to, you know, any enrollment application… online form filling. So if you’re working with a payer that their application needs to be submitted via an online portal. Medallion’s AI has the ability to log into that portal, take all the data that’s in medallion, fill out those applications and submit them to the payer. We also use AI phone calling which tends to help in a couple of ways. One is on the onboarding side, being able to use AI to call providers if we need a document from them. And it’s very conversational. It sounds like a human. We can show you a demo of that as well as calling the payers. So once you submit an application, we know exactly who to follow up with what cadence. We can follow up whether that’s phone or email, and our AI will actually do all that and help kind of usher things through the process and then portal scraping. So if there’s updates posted by the payer on any of their portals, medallion will kind of frequently be checking that and posting updates directly in medallion so that you or your team can go see them. So I can show you a little bit about the platform, but any thoughts so far? Any questions? No?
Nilmarie Molina-Santiago (19:01) I have no questions. I find it very interesting what you just shared. So I appreciate that.
Cliff Marg (19:06) Yeah, of course. And I think, you know, candidly when organizations… are thinking about, do we bring this fully in house versus leverage an external vendor? I guess one question for you, nelmarie, do you, if… you think about bringing on an fte, a credentialing specialist to do a lot of this work, are you fully confident that one person could handle, you know, all of the work and kind of support all of the growth that you would expect? Or I’m curious how you think about that? Like if you think about growing a team, does that mean one person turns into two turns into three at some point or probably not that scale? I.
Nilmarie Molina-Santiago (19:48) don’t think we will need more than one especially with how I’m seeing things. It’s just more of a gathering documents and having a good platform. So we are informed about expirations and we do things ahead of time. So we don’t then get into the deadline and then things start falling through the cracks. It’s more of an organizational tracking system than anything else because what I’m finding is just a bunch of these on a spreadsheet. So it is very, we’re exposed to so many manual errors and missing so much because it’s not automated.
Cliff Marg (20:28) Yeah, yeah, definitely. And so medallion… is like a little bit of a hybrid. We are definitely more on the kind of technology and like internal teams will leverage medallion, right? So if you think about bringing on this credentialing specialist or potentially like having the executive admin for your coo, if she’s going to be the point person, she has some experience with credentialing, great. But typically, it is someone on your team that is leveraging the medallion platform and automation. We do have a team of operations leads that like it depends on the use case, right? Like cvo, credentialing, for example, if we are putting together like an ncqa credentialing file, like there does need to be by definition, like a human in the loop for that kind of process. Sometimes we have humans doing some of the follow up with payers, depending on like our relationship with those payers. But it’s not really like what I would say like a traditional outsource when you think about, hey, is it my team doing the work or is it your team doing the work? Like everything is really led by someone on your team? And then the medallion kind of automation technology kind of takes over from there. So just curious to get your perspective… I don’t know that this is the right demo org so bear with me.
Cliff Marg (21:51) But I think I’ll show you a couple things. One is like, yeah, this is a terrible example. I’m.
Nilmarie Molina-Santiago (21:57) moving you to the other screen because it’s just bigger.
Cliff Marg (22:01) Yeah. Go for it. There’s just nothing in this one. We’ve got so many of these that’s okay… you’ll at least get a sense. Okay, this one’s a little bit better. So again, added score like this is medallion, right? It’s a central repository for all of your kind of provider data here. And if you open up a provider profile, you can see just like, you know, this is what we’re collecting on them. It’s a lot of personal information in terms of their specialty and maybe npi caqh id, any existing licenses, certifications, documents, malpractice, insurance, et cetera. So everything can be stored here. Anything with an expiration date can be tracked. And medallion will, you know, automatically keep you updated and send updates… when things are coming up, for expiration. So in terms of like the onboarding process, what part of what makes medallion unique is when they go through onboarding with medallion, we ask them, to give us their caqh id. We don’t need their username and password. We have a unique integration with caqh where we can pull everything directly that typically pulls in maybe 75 to 85 percent of all of the information that we would need, for those enrollment applications. So what medallion does is we say great here’s everything we have. We just need these couple of extra things and we can task that out directly to the provider. So let’s see here. So right here, and, you know, we would send emails. We would, you know, send a text. If, if that was the preferred communication method right here, you would see any outstanding tasks where, hey, provider, hey, we need you to come in and upload this document. So that’s how we help kind of streamline the onboarding process. And then once we have everything.
Cliff Marg (23:58) Let’s see. Okay, this is basically how the process would work and you can do this for one provider here. You can also do it on a different view for multiple providers. If you had, you know, five or so providers that started. But really everything is kind of directed by this blue button where you’re going to tap, you’re going to attach dr Hendricks to the right group… say we’re in Colorado. I know you guys are in Florida and you know, we want to get dr Hendricks enrolled with these five payers… medallion will start to build those enrollments right here, right? Because we have all of their data that we need for these enrollments. So we’ll start to build them here. You’ll hit next. And I’m not going to do this here and it won’t let me, you’ll attach them to the right, you know, practice location. And then what you’ll be able to see is… this view here. And again, I probably picked the wrong demo. Org. We don’t have any in here, but you would be able to see, you know, here’s how many enrollments we’ve requested here’s. How many are in processing? We will update with notes, any communications that are coming back from payers, just through our AI. And really we will follow that through all the way through to par status.
Nilmarie Molina-Santiago (25:19) I do have a question here and it’s just me trying to envision how it would be. So for providers that are currently enrolled that I don’t need anything to be done, but I need to keep track of it, right? With each of the payers. Because at the end of the day, I need to either do renewals or any of that, how can we load those to identify that they have been successfully enrolled with those payers, right? But to keep them in the roster or in the platform active?
Cliff Marg (25:50) Yeah. Do, you have all of that data somewhere, right? I would assume it’s either in an internal spreadsheet or with your current partner?
Nilmarie Molina-Santiago (25:57) Yes, yes. Yeah.
Cliff Marg (25:59) So, we have an implementation team. We would essentially ask you for just like an export of all of that data. Okay? And then we would figure out who the best person is to just format everything in correctly, but our team ends up doing a lot of that heavy lifting. And yeah, if you can, if you just have a spreadsheet for example, like that tends to be the easiest way to do it.
Nilmarie Molina-Santiago (26:23) Okay, perfect. Because.
Cliff Marg (26:25) You have, yeah, as long as you, we also offer like a par analysis service. So if you were to say, you know, we don’t know which payers, which providers are enrolled with, which payers, like, we can also help you do some of that. I don’t know if that’s relevant.
Nilmarie Molina-Santiago (26:41) Well, we know which ones we do have. It’s just envisioning this part of it, how to recognize that all of the providers that are currently have enrolled are going to be flagged on the system, right? As currently enrolled active versus the ones that are in transit, right? Because we would like to see like all of them already enrolled flagged differently, yeah.
Cliff Marg (27:06) Totally. Yeah. All of that will be able to be uploaded and viewed in the platform because we also, and if it makes sense like we can run through a more thorough demo with the right demo org, but we also have like a lot of pre built dashboards and analytics in the platform that you can view kind of how many providers are in what status here. Again, nothing’s coming up. This is probably the worst demo possible. But, and then we also have a report builder where like because we have all of that data there, it’s very easy for you to come in and, you know, pull out which fields that you want to put in this report, right? First name, let’s say npi, start… date, whatever caqh, and then you can just build these reports pretty easily. Okay, tends to make it pretty easy. So, so we’ve got a couple minutes left here. Yeah. Again, I think my goal was basically just to show like if you leverage medallion, like these are the ways that we can help make you a little bit more efficient. I think the other thing that I’ll mention and just be totally candid about is… medallion. There are vendors out there where you could go out and buy software and it’s just a database and it’ll store everything and you’re kind of one fte that the credit specialist if you end up making that hire can probably do everything in there for I don’t know maybe half the price of what medallion is. I do think that whether you make this hire will probably dictate… whether medallion makes a lot of sense, right? Because I think probably the executive admin would be a good candidate for being the point person if you already had that credentialing specialist in house and it wasn’t a new cost to DLC. I would say this would definitely make a lot of sense, but it will be, you know, the cost of medallion would probably be in the 50 to I don’t know 80,000 dollar a year range. So I want to be candid about that and honestly just kind of get your take on if that makes you say great, let me figure out if we’re going to make this hire. And then I’ll let you know if this is interesting or if you think both things could live in parallel or kind of what your thoughts are.
Nilmarie Molina-Santiago (29:28) Yeah. I think we’re good. We’re trying to work with both at the same time because our mentality was like while we go well, we go through the onboarding process with a credentialing candidate. We will be going through the vendor selection, right? And implementation. So our goal is for once a candidate is onboarded to most likely be aligned with the implementation time. So the credentialing specialist, the admin of the coo will both collaborate with the integration. So that will be the first exposure of this credentialing specialist person that’s coming brand new and it’s already in the system learning what we are going to be exposed to and expecting as well.
Cliff Marg (30:21) Great. Okay. So you’re envisioning potentially making a higher plus medallion could still make sense just given the timing of things?
Nilmarie Molina-Santiago (30:29) Correct? Because we’re not, we’re still with the idea of getting the platform regardless. Yeah.
Cliff Marg (30:38) Yeah, makes sense. Do you, I guess what would be most helpful for you? I think like it would be good to set up a follow up conversation and bring in my… solutions consultant and potentially walk through like a more thorough demo. But I want to do kind of what’s useful for you?
Nilmarie Molina-Santiago (30:59) Yeah, we could do so. You could also if you also have the pricing sheet already right together, that will be very useful for us to expedite things as well when we’re comparing vendors as well. I do have another meeting with the other vendor next week to go through demo of the platform as well. So, I want to be fair, right? And then provide the same opportunity and then compare apples to apples at the same time.
Cliff Marg (31:30) Yeah, that makes sense. I am happy to put together like an example quote or order form. It’s very much bespoke. I think you gave me the inputs that I needed. I can make a couple of assumptions and get us to like around kind of, what the cost would look like with medallion.
Nilmarie Molina-Santiago (31:50) Okay. And then if anything, you have my email. So if you’re stuck at any point, feel free, to reach out to send me an email while we connect again in our next meeting?
Cliff Marg (32:00) Okay. Do you wanna, do you wanna set up time perhaps for the end of next week or do you wanna handle that like async, I.
Nilmarie Molina-Santiago (32:09) Can’t tell you right now? What I have? Because I know this is not the last week. Okay. Hold on, give me two seconds because I’m gonna be able to give you my availability right now if you have that handy as well?
Cliff Marg (32:26) I do. Yep. So.
Nilmarie Molina-Santiago (32:27) We could put something in the calendar, for example, I could do Thursday at my 11 a. M, but I’m not sure for you. That will be like eight nine. I don’t even know.
Cliff Marg (32:39) Yeah, yeah, no, that.
Nilmarie Molina-Santiago (32:42) I have 11 30. I could do 12 as well, if that’s easier for you considering the time difference. Okay?
Cliff Marg (32:52) Let’s do.
Cliff Marg (32:57) Thursday, what do I have? Thursday? Okay. Let’s do 11… your time?
Nilmarie Molina-Santiago (33:04) Okay, perfect.
Cliff Marg (33:06) Thursday. And… and so we’ll the goal will be twofold we’ll take a closer look at the product. I’ll have our head of solutions consulting, and then I’ll have a draft like order form or that we can take a look at and just kind of align on unfit my last question for you. And then I’ll let you know we’re a couple minutes over what are you envisioning for timeline to make a decision? It sounds like a lot of this stuff is happening now, you’re kind of late stages interviewing a candidate, but when would you hope to ultimately make a decision on which vendor you want to move?
Nilmarie Molina-Santiago (33:40) Forward with? I was hoping to have it during this month. To be honest with you, we’ve been kind of, yeah, delaying it because we were in the middle of, are we hiring someone or not? Right? So now that we’re more inclined and we have extended the offer, hoping that everything goes well. Then we’re kind of seeing that at some point this month, we should be able to make the final determination.
Cliff Marg (34:03) Yeah, I think that makes a lot of sense. Okay? So I’ll send this invite for Thursday. We’ll talk then. And then, we can figure out, the rest of the steps.
Nilmarie Molina-Santiago (34:10) Perfect. Thank you so much for the opportunity. It was nice meeting you.
Cliff Marg (34:13) Nice to meet you as well. We’ll talk soon.
Nilmarie Molina-Santiago (34:15) Bye bye.