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21:49 Yeah. So Mike Montgomery, who's our founder, chairman, and CEO, long time banker. He's on a bank board. His grandfather, was heavily involved in banking advisory for the Federal Reserve out of Boise. His, dad started 3 banks in Idaho and Utah and sold them.
01:51 Yeah. Sounds good. So Banklabs was created by Mike Montgomery, my partner who's our chairman and CEO. And, he is a long time community banker and bemoaning the lack of technology especially on the commercial side for banks and how, community banks really are the crown jewel of the US financial system. And so he wanted to support them from a strategy and technology perspective and and how do we help those community banks succeed?
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