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Amanda Hosenfeld
Hi, Happy Thursday. Welcome to ComplianceLive. I’m Amanda Hosenfeld.
Cailyn Gombka
I’m Caitlin Gombka.
Amanda Hosenfeld
And we have a really great show for you. We are going to start off with a couple of announcements..some really cool news before we get started though. Mark from accounting would like everybody to know that this podcast/video chat is sponsored by ComplianceLine, paid for this wonderful studio and our time for making making this real for you. So, thank you ComplianceLine. Alright, so we can check that box from Mark from accounting.
Cailyn Gombka
Check.
Amanda Hosenfeld
Right. And a couple of announcements before we get into today’s topic. Cailyn and I have an announcement about some new stuff.
Cailyn Gombka
Ok.
Amanda Hosenfeld
We are now streaming on all of your major Podcast Networks.
Cailyn Gombka
We’re legit?
Amanda Hosenfeld
We’re legit.
Cailyn Gombka
So iTunes?
Amanda Hosenfeld
iTunes.
Cailyn Gombka
Spotify?
Amanda Hosenfeld
Spotify.
Cailyn Gombka
I’m missing one.
Amanda Hosenfeld
Google podcasts.
Cailyn Gombka
Google podcasts. Awesome.
Amanda Hosenfeld
Yes. And you can find us on all of our major platforms. They’re not video. They’re just our audio.
Cailyn Gombka
Wow.
Amanda Hosenfeld
You can you can kind of tell if you’re a constant viewer/listener…
Cailyn Gombka
You know what we look like.
Amanda Hosenfeld
Yeah, I mean, our videos will still be available out on our GoToStage, as well as on our social media. But just if you’re in the car, you’re driving to work, you got a 30 minute commute, pop us on to your Spotify or your iTunes. My husband was very, very excited to find me on Spotify.
Cailyn Gombka
How do you feel?
Amanda Hosenfeld
It’s a little intimidating. That’s really exciting. Follow us on on your favorite podcast platforms, @ComplianceLive. We also want to give our constant listeners kind of a heads up about our new format or a new direction for the show. We have decided to use this live version that we do as more of a platform for trainings and special shows. Yeah, kind of like special client-based shows.
Cailyn Gombka
Yeah.
Amanda Hosenfeld
And we will from here on out be recording our podcasts and releasing them on Thursdays rather than having you guys register and talk to us.
Cailyn Gombka
Yeah.
Amanda Hosenfeld
That way or view us that way. So we think it’s a win.
Cailyn Gombka
We’re so excited. So same day, same time, same people.
Amanda Hosenfeld
Yep. It should be available on our GoToStage gotostage.com/channel/compliancelive….the full video If you still need that experience, as well as dropping on our podcast networks at 1pm. Eastern Time on Thursdays.
Cailyn Gombka
Cool.
Amanda Hosenfeld
Yeah. We’re also going to take the discussions down to about 30 minutes. And we love having the hour we love chatting for the hour. We can.
Cailyn Gombka
Oh absolutely.
Amanda Hosenfeld
The banter is…we have to cut it like physically cut it down. But the new format will be a 30 minute podcast unless of course there’s a public outcry.
Cailyn Gombka
And then we’ll increase but like now, 30 minutes you can watch us on your…well…listen to us on your commute. Don’t watch a video while you’re driving.
Amanda Hosenfeld
Listen to us while you’re cooking dinner.
Cailyn Gombka
Yeah.
Amanda Hosenfeld
And don’t forget you can do that on all of our platforms. Google Podcasts, Spotify, and iTunes. Like that’s the most prestigious.
Cailyn Gombka
It is. Yeah, gotta say last.
Amanda Hosenfeld
So um, this show today we’re going to be talking about gift giving holidays is in our Very Compliant Christmas show. Special thanks to our pre-production team that brought us all of this material for for this show. And so what we’re going to do today was we’re going to talk about common gift giving holidays… kind of like the corporate…
Cailyn Gombka
Okay.
Amanda Hosenfeld
…thoughts behind gift giving, unintended consequences.
Cailyn Gombka
Yeah. Stories.
Amanda Hosenfeld
Yep, got some stories for that… of gift giving. And then we’re going to leave you with the four tips…four tips for making sure that you have a very compliant message.
Cailyn Gombka
Yes, we will wrap this…we’ll wrap the show up with kind of some takeaways.
Amanda Hosenfeld
Yeah, absolutely. So when we talk about gift giving holidays, right now it’s Christmas, New Year’s Hanukkah, Kwanzaa. But really this can be applied to all gift giving holidays throughout the year.
Cailyn Gombka
And I mean even just gift giving occasions.
Amanda Hosenfeld
Yeah. Birthday. Chinese New Year. National Dog Day and like who doesn’t get presents on National Dog Day?
Cailyn Gombka
Employee Appreciation Day. Boss’ Day.
Unknown Speaker
Absolutely. Eid Al Fitr. Lots of gift giving holidays. What we’re going to talk about today is how to make sure that you’re compliant when you decide to give gifts or not.
Cailyn Gombka
It’s a big thing, because I think so many people want to show that token of appreciation. But what lines do I need to know about? So I make sure I don’t cross them.
Amanda Hosenfeld
Exactly.
Cailyn Gombka
That’s what we’re going to talk about.
Amanda Hosenfeld
Yeah. And at the bottom of all things, making decisions about gift giving in your workplace has to do with appearance and perception.
Cailyn Gombka
Right.
Amanda Hosenfeld
So is there a an appearance of impropriety? Is there a perception of bribery?
Cailyn Gombka
Right.
Amanda Hosenfeld
And these are very important to make sure that if you’re giving gifts to your employees, to your bosses, to your vendors. Or if they’re giving gifts to you that there is not an perceived appearance of any kind of wrongdoing or impropriety.
Cailyn Gombka
I think that last part you said there, so, us giving…I’m sorry…our vendors giving gifts to us so…or us giving gifts to our clients. That’s the big piece that I would really nervous about…giving gifts to a client. Because I feel like the perception of I wouldn’t want it to be perceived as well. I’m like, trying to buy your business.
Amanda Hosenfeld
That’s exactly what I was about to say. I’m trying to buy your favor, curry favor with these gifts.
Cailyn Gombka
Sign this contract.
Amanda Hosenfeld
Right.
So um, first thing I’ll talk about is sort of tax implications. And there’s a lot of information that you can find online about this. The IRS kind of broadly, states that anything of a nominal value is fine to give or receive, but there are tax implications if it’s outside of a certain parameter, so if you as an employer giving gifts to your employees, your vendors, your board of directors, anything over about $25 to $35 could technically be a taxable. So just be be aware. There’s a lot of verbiage on the IRS website also about giving gifts, gift cards, that and what those can be purchased or used for. Whether, you know, a gift card with a $20 value is considered a taxable income, whereas a pair of mittens is not considered a taxable.
Cailyn Gombka
Yeah. Get a gift that has an intended purpose versus something that could be used. Or whatever the…
Amanda Hosenfeld
Yeah, and it’s all about monetary value and then what you’re going to use it for.
Cailyn Gombka
And I think so like that $25 let’s call it a $25 cap, that’s per person, her gift.
Amanda Hosenfeld
Correct because otherwise it’s it may be considered taxable.
Cailyn Gombka
Got it. So like, I don’t just have a $25 budget for my whole department, but each person in that department I can maybe buy a nice gift.
Amanda Hosenfeld
Potentially depending on your own policy. So we’ll talk about some policies just making sure that it’s that you’re doing right by the IRS and making sure that you’re accounting for those taxable taxable wages. I know who hasn’t worked for a company that gets their you know, $35 Christmas bonus a year. Turns out that it was taxed. I thought it was a gift! Also we want to talk about an appearance of conflict of interest, especially if a vendor is trying to curry your favor, about giving gifts directly or indirectly.
Cailyn Gombka
Okay, so what’s the difference?
Unknown Speaker
Alright, so a direct gift is a gift to you as an employee of a company.
Cailyn Gombka
So my boss giving me a sweater….
Amanda Hosenfeld
That’s a direct gift.
Cailyn Gombka
…that says ComplianceLine on it.
Amanda Hosenfeld
Direct gift.
Cailyn Gombka
Got it.
Amanda Hosenfeld
Yep….a hospital or a doctor? No. Back up. a pharmaceutical company wants to do business with you. And they give you a bunch of merch. That is a direct gift.
Cailyn Gombka
And I like a little World Series tickets.
Amanda Hosenfeld
Right? Exactly. So World Series ticket is something of…
Cailyn Gombka
Those cost more than $25.
Amanda Hosenfeld
Exactly.
Cailyn Gombka
I think, you know, I don’t do the sports thing but I assumed.
Amanda Hosenfeld
The sports ball…sports ball matches generally.
Cailyn Gombka
Yeah, those aren’t for me.
Amanda Hosenfeld
But if…with indirect gifting you’re still liable for the appearance of impropriety if you as a vendor give those gifts to a member of the doctors family.
Cailyn Gombka
Ah, so no giving it to the doctor spouse. Still a bad thing.
Amanda Hosenfeld
That’s an indirect gift.
Cailyn Gombka
Okay, well, I’m glad it’s defined. Sure that has happened.
Amanda Hosenfeld
Yep. It’s the appearance of impropriety if I, as this pharmaceutical company, I didn’t give the gift to the doctor. I gave it to the doctors wife. It is literally the same thing. Yeah, it’s just I guess it’s one of those loopholes or they thought that it was a loophole to get around.
Cailyn Gombka
Like, yeah, let me give this to their kids.
Amanda Hosenfeld
Yes. Buy their child a Bentley, or something that is an indirect gift.
Cailyn Gombka
He’s five though!
Amanda Hosenfeld
I but personally I can be bought for a Bentley.
Cailyn Gombka
Same.
Amanda Hosenfeld
So we just want to make sure that we are adhering to guidelines that we’re notletting the company have the appearance of any kind of impropriety.
Cailyn Gombka
So if it was think about the gifts you give to people within your workplace or who are affiliated with your workplace, and really consider how other people would perceive the gift that you’ve given.
Amanda Hosenfeld
Yes. Would this gift be perceived as an attempt to buy service? To buy better peer evaluations?
Cailyn Gombka
Or does it make…does it give the appearance that maybe you have a favorite, because you know, Amanda and I are on the same in the same department I gave Amanda, like, this gigantic gift basket full of her favorite chocolates and everybody else got like a Hershey’s bar.
Amanda Hosenfeld
Yeah, that is…it would be perceived as trying to buy my favor.
Cailyn Gombka
Right. Like you, you know, you know, these policies helped me out here.
Amanda Hosenfeld
Yeah. So I’m not I mean, I’m not turning down this hypothetical basket of chocolate, like, but you’re exactly right. So, especially when we’re, if you’re a kind of a higher tier employee, watch, if your employees your direct reports, how they give gifts. Usually, that nominal value of about $25 is about…while we use that while there’s no law or regulation around the amount that you can share it in. Sure we use that kind of as a barometer and compliance to see if something’s…
Cailyn Gombka
Inappropriate.
Amanda Hosenfeld
Right. Exactly.
Cailyn Gombka
And in like, so, what about…you know, I like to make cookies every year right? Holiday season is my baking season and I bring in hundreds and hundreds of cookies.
Amanda Hosenfeld
Literally hundreds of cookies.
Cailyn Gombka
Yes, it takes many weeks. So how how do I identify the value of those gifts? Is it just like cost of ingredients?
Amanda Hosenfeld
So that’s a great question. Generally have made gifts are not anything of a value that they’re like intrinsic value, right? It’s not while your chocolate chip cookies will hurry my favor and they wouldn’t generally be seen as an incentive…you giving it to me as an incentive for, you know, a better work performance or trying to buy my…I keep thinking of grades like in school, like a like brown-nosing student would, right? Well, I brought you a pointsettia. I think…can you give me a better grade. So it’s kind of the same concept. So anyway, Anything that kind of has a level of bribery, or could be perceived. Nick and Gio, our CEOs say perception is reality.
Cailyn Gombka
That’s true.
Amanda Hosenfeld
So if it could be perceived as inappropriatedue to the favors that you would get…
Cailyn Gombka
Offer everyone cookies.
Amanda Hosenfeld
Yes. And you do. And it upsets me every time…
Cailyn Gombka
I put it on my desk!
So in like, I think we’re using these guidelines that we just spoke about specifically that kind of $25 cap per gift per individual, when our company doesn’t have their own policy, right, because like our company’s policy, if if our company has a policy will trump whatever those guidelines.
Amanda Hosenfeld
Yeah, absolutely. So it’s, that’s why First of all, it’s important to have a policy. I’m a policy person, I want a policy written down for every everything, just so if there’s ever any question about whether I’m doing the right things I can go to my policy and say this is what I did is it for against policy? So ComplianceLine does have a gift giving policy. Our gift giving policy is generally we never accept anything from clients or vendors that is of a…of a high value or a high monetary value or we do except things like like what’s the word I’m looking branded cups like yeah, Humana and then you want to send me…
Cailyn Gombka
Like a pen.
Amanda Hosenfeld
…a mug. There you go. Or those fun necklaces that have welcome to Humana, or whatever, whatever the company is, but our policy states that we never accept any cash. We never accepted cash equivalents. And I think that…
Cailyn Gombka
Gift cards.
Amanda Hosenfeld
Gift cards Exactly. Yeah, no cashier’s check.
Cailyn Gombka
Good way to say that in your policy too: cash equivalents and it covers so many things.
Amanda Hosenfeld
So you know, we Anything about personal nature is fine but we don’t accept anything…our employees, our CEOs, our administration…there’s there’s nothing of cash or cash equivalency able to be…
Cailyn Gombka
I can give the cookies. Good. And maybe like our vendors can give us cookies.
Amanda Hosenfeld
We like cookies.
Cailyn Gombka
Yeah. Yeah, that’s the repeating theme here.
Amanda Hosenfeld
Yeah. So while compliant…and it’s written here in our policy that while we understand and appreciate the fact that individuals are…want to give gifts as signs of appreciation and signs of morale building…It’s important as a compliance company to adhere to the strict perception policy.
Cailyn Gombka
Sure.
Amanda Hosenfeld
But Cailyn, you have an example we have a company that is one of our clients that they…to be up front… sent us their no-gift policy. Do you want to talk about that?
Cailyn Gombka
Yeah, so one of our clients sent us their their no gift policy right in…right in line with the season and like kind of our message as well, and asked that whoever’s affiliated with this organization not send any of their employees or affiliates gifts or tokens of appreciation or just gifts in general, so much different from our rule saying that we accept, you know, maybe some food from a vendor or, or a branded necklace. This organization doesn’t want anyone to gift any of their employees anything.
Amanda Hosenfeld
Nothing, no promotional material…
Cailyn Gombka
No pens, no key chains, nothing. So I think that it just goes to show your organization can really have any type of gift policy. It’s just up to each organization. This this organization I’m speaking about also doesn’t want their employees to be invited to social events where business will be discussed. My assumption there is like, you can, you know, Dr. So and So cannot go to this sports event, if you are going to try and sell him, these pharmaceuticals at the sports event.
Amanda Hosenfeld
I think that’s really an interesting piece to write in your policy. because it’s understood that business is done sometimes out of the office. And that that reminds me that we’ve had several discussions in our on our compliance in the news series, as well as our horror stories series about doctors and pharmaceutical companies that have been sanctioned and some individuals arrested for doing things like giving good pretty bags with opioids.
Cailyn Gombka
You know, I can never think of goody bags in and it just had nice the way ever again.
Amanda Hosenfeld
Yeah.
Cailyn Gombka
Because of how many times we’ve talked about them…
Amanda Hosenfeld
It’s a problem, because I mean, they’re getting incentivized. And there’s that perception of impropriety. And in those situations it is…
Cailyn Gombka
Like, goody bags, you’re supposed to have the fun erasers, the nice pencil, you know, candy, slinky. I was thinking bubbles, I can like one way back, but still up.
Amanda Hosenfeld
Right. So I think that’s a really great policy for that company. And you’re right, a company can write whatever gift giving policy that like, consult your legal department…
…attorney in there and do the Google search. Find out what other companies are doing. In our cursory research. We found a lot of the Fortune 1000 companies that put their gift giving policy out…
Cailyn Gombka
Sure, yeah.
Publicly.
Amanda Hosenfeld
Exactly so that you can see we don’t accept bribes.Alright, so let’s talk about our four gift-giving tips. Oh, wait, no!
Cailyn Gombka
Yeah, we’re missing our fun field.
Amanda Hosenfeld
We’re missing our fun thing, you’re right.
Cailyn Gombka
They’re not fun but…
Amanda Hosenfeld
They’re amusing to us.
Cailyn Gombka
Yeah, let’s put it that way.
Amanda Hosenfeld
Alright, so…
Cailyn Gombka
These are gift giving fails, right? Or just employee, workplace gift giving fails.
Amanda Hosenfeld
Exactly. So we’ve got some examples of when gift giving goes bad. And while we want to adhere to policy and make sure that everything’s on the up and up from like an outside or corporate standpoint, you also have occasion sometimes to give gifts to your employees internally. And we just want to make sure if your if your company decides to do that, that you are being smart and that you don’t have any unintended consequences.
Cailyn Gombka
Here’s what not to do.
Amanda Hosenfeld
Exactly. So we read an article from Bloomberg Law, and we’ll put this link out on our social media if you’d like to read it. So one company ordered nude shaped matching his and hers drinking cups.
Cailyn Gombka
Oh my.
Amanda Hosenfeld
Yeah, so I’m trying to think how that vendor or that whoever ordered that…
Cailyn Gombka
It was a vendor?
Amanda Hosenfeld
It was a vendor that supplied it. So where that was even like appropriate?
Cailyn Gombka
Yeah. Who, like was that a mistake?
Amanda Hosenfeld
I don’t think so.
Cailyn Gombka
Did you just order too many? Okay, well, alright.
Amanda Hosenfeld
So another unintended consequence of gift giving…. In this article. Some employee was gifted an exploding confetti bomb gift that startled an elderly doorman and resulted in him falling down the stairs. Yeah. So there was a there was an injury.
Cailyn Gombka
That’s an unintended consequence, like confetti gifts…fun. Fun gift that you would think oh, this will cause a mess and be hilarious.
Amanda Hosenfeld
Yeah, so funny.
Cailyn Gombka
Much larger mess.
Amanda Hosenfeld
Exactly. So not only is the vacuum out of commission, so is your doorman. So just be aware of the gifts that you’re giving. Another example is a manager gifted bamboo traveled toothbrushes to his team and the team felt like that was sort of a message.
Cailyn Gombka
This is my favorite one.
Amanda Hosenfeld
Is it really? I was gonna leave this out, but I’m glad you like it.
Cailyn Gombka
I love it so much. I think that poor guy was I mean, I’m just assuming he was a guy and it was with good intention. But, you know, everybody uses a toothbrush. Probably the thought behind it. You know…
Amanda Hosenfeld
I’m sure it was the thought but you know, when you have a diverse workforce that may take those items…
Cailyn Gombka
No hygiene products.
Amanda Hosenfeld
Stay away from anything that may be construed as a slam…
Cailyn Gombka
No mouthwash, deoderant…
Amanda Hosenfeld
Yeah. And our last anecdote is an employee. This is my favorite. Yeah. And employee gave her boss a book on decisive managing.
Cailyn Gombka
So employee gifts this to her boss.
Amanda Hosenfeld
Yeah, so, I mean, I love books…
Cailyn Gombka
That’s a message.
Amanda Hosenfeld
…but if one of my trainees gave me a book on how to be a great trainer I feel like that would be a personal message.
Cailyn Gombka
Yeah, I mean, I think I would be a little off…
Amanda Hosenfeld
It would like if an employee one of your direct reports gave you a how to be a better manager book.
Cailyn Gombka
If you saw this and you thought of me? I don’t think you thought she’ll reflect on her already used skills. I think it’s a she’ll learn what I need her learn.
Amanda Hosenfeld
That’s so funny. So while this is this one’s a little different situation because it’s an employee gifting up. But you know as a…as a…as a manager, we would you know, thank them and and try not to be offended but as an employee, this is maybe where one of those no gifts at all policies…
Cailyn Gombka
We’re not gonna give a gift to our CEOs on how to be a better leader.
Amanda Hosenfeld
Yeah, no. Thank you Nick and Gio for the studio. So yeah so be aware of unintended consequences that your gifts may have
Yeah. Learn from these people.
Yes don’t…no confetti bombs.
Cailyn Gombka
Don’t do what they did.
Amanda Hosenfeld
All right now we’re going to do this…
Cailyn Gombka
So I think this is like my favorite…my new favorite segment of our shows is this is what you’re going to take away with you from my show. You can kind of take some action on or try to apply in your own work.
Amanda Hosenfeld
Absolutely. You want to do the first one?
Cailyn Gombka
Sure. So the first of our helpful tips is have a policy. So this really should have been yours Amanda because your policy gal. But I’ll take it. So you should have a policy about your gift giving if you want to make sure things are done with the you know, appropriate and Within an appropriate nature, then have a policy outlining the rules so your employees know what to do.
Amanda Hosenfeld
Yeah. It doesn’t matter what your policy says or you know, legally. Check with your legal department. But do make sure you have a policy on hand. All right, your second tip, make sure your gift is appropriate. No risque or naughty gifts.
Cailyn Gombka
No adults gifts.
Amanda Hosenfeld
No adult gifts. No gift cards to inappropriate places.
Cailyn Gombka
Maybe no gift cards at all. Actually, like it’s kind of the learned like lesson here for me is I love giving a gift card. But I should stay away from that. Because who knows if you like I give a Visa gift card. Where’s it gone?
Amanda Hosenfeld
That’s true. I don’t know where that money is going.
Cailyn Gombka
Spend it on anything.
Amanda Hosenfeld
So easy. The third one…wanna do it?
Cailyn Gombka
Oh yeah. So make sure that you’re…at least try your very hardest to give the same gift to everyone. So again, going back to my earlier example, if I gave Amanda a very large basket of her favorite chocolates, but everyone else just got a Hershey bar. The perception of my intention for the gift to Amanda is probably not going to be taken so well. So if you give everyone a Hershey gifts bar… a Hershey chocolate bar then the perception is same.
Amanda Hosenfeld
Absolutely. Cards are good, right? Everybody gets a card and leave it at that..you’re thinking of them…
Cailyn Gombka
Just a greeting card right.
Amanda Hosenfeld
And our fourth tip for appropriate holiday…compliant holiday gift giving. Personal gifts should be given outside of work. So we all have closer relationships with individuals in our workplace. There are people that you feel more comfortable with others and that is completely appropriate to have relationships with friends in the workplace. But if it’s anything if you want to give a gift that is outside of kind of the normal, make sure it’s appropriate and make sure you’re given the same gift to everyone. try and do that outside of the workplace…
Cailyn Gombka
Over large bottles of drink.
Amanda Hosenfeld
Exactly that bottle of champagne. You should probably give it to them after after work hours outside of work. Absolutely.
Cailyn Gombka
Alright, so those are the good tips. I hope everyone enjoys those tips in this show. I think that like going forward, we’re going to try to apply kind of that same segment…that same concept to to our shows to make sure that there’s something that you can, you can leave with.
Unknown Speaker
Yeah. As always, Your feedback is very important to us. We love to know what you want to talk about what you want to listen to what we can do the research don’t want to do research on something let our team do it. We’re happy to do that. We’re going to post the whole show from today on gotostage.com/channel/compliancelive so you can see the whole 30 minutes of video as well as check out our social media…our Twitter machine.
Cailyn Gombka
Yep, the Facebook.
Amanda Hosenfeld
The… the linked link it in.
Cailyn Gombka
Yeah.
Amanda Hosenfeld
Yeah, we’re on all of that.
Cailyn Gombka
I think we have an Instagram.
Amanda Hosenfeld
We do have an Instagram. I don’t know how to use it but we have one. We are@compliancelive on Twitter and then ComplianceLine everywhere else on Facebook, Instagram, LinkedIn, of course check out all of our podcast platforms, Spotify, iTunes, Google podcast…
Cailyn Gombka
We’re legit!
Amanda Hosenfeld
We are. And one of the changes with the format The next show is scheduled for Thursday of Thanksgiving.
Cailyn Gombka
Oh!
Amanda Hosenfeld
So I’m not going to be here on Thanksgiving. We will be with my family as as we hope that you will be as well. But we will be dropping a new episode on Black Friday. That’s going to be a really cool episode, we’re going to have a guest. It’s going to be one of our Diversi-Series and the generational workplace.
Cailyn Gombka
I’m excited for that one.
Amanda Hosenfeld
I really am too. That’s really hard push for let’s get this one.
Cailyn Gombka
Yeah, we both were.
Amanda Hosenfeld
Yeah. So check us out on all of our social media. And we want to thank you for the time that you spent with us today.
Cailyn Gombka
Yes, thank you.
Amanda Hosenfeld
I’m Amanda Hosenfeld.
Cailyn Gombka
I’m Cailyn Gombka.
Amanda Hosenfeld
And we hope you have a very compliant Christmas.
Cailyn Gombka
Happy Thursday.
Transcribed by https://otter.ai
