 Well, thank you all so much for joining us this afternoon for our panel, really excited about the conversation that we're going to have today. I want to start off with just a couple of overarching points. According to the Fourth National Climate Assessment, the risks associated with climate change are often highest for those who are already vulnerable, including low to moderate income communities, some communities of color, children and the elderly. Additionally, some BIPOC or LMI communities can be five to 20 degrees hotter than predominantly white neighborhoods in the very same city. Environmental and environmental inequities are so pervasive in low income communities and communities of color that environmental experts have used the term sacrifice zones to describe these areas that carry a greater burden of air, land and water pollution and warmer temperatures because they are situated in their chemical treatment plants, highways and or heavy polluters. I know that, unfortunately, neither of those two statements is particularly new news for most of you joining the session to this afternoon. But I think it's helpful to hear some of the specifics as we work to double down on why this work is important and why we need even greater climate justice solutions yesterday. Good afternoon, everyone. My name is Danielle Burns. I'm the vice president and head of business development at CNOTE, and I'm delighted to be here with each of you today. Our conversation is going to be focused on helping each of us to better understand how community investments can address climate change, specifically the unequal impact climate change has on underserved communities. I'm joined by a fantastic group of colleagues this afternoon who have deep passion and expertise on this topic, and I will allow each of them to introduce themselves. However, very briefly on the panel with me today is Melissa Weaver. Melissa is a sustainability director at Self-Help Credit Union and Ventures Fund. Neta Arab Shahani. Neta is the director of Inclusive Center for Resiliency and Clean Energy. Michael Galopter. Michael is a climate justice expert and the CEO of the Brazilian, I'm sorry, for the managing director of Reflective Earth, and Arulio Arroyo. He is the direct executive director of the cooperative, Jesusa Bero Puerto Rico. So thank you to each of our panelists for being here. Before we get started, we wanted to just do a really quick pulse check for those of you joining us today. It'd be great to know who might be new to climate justice conversations and who's sort of been at this critical work for some time. So if you could just indicate in the chat, you know, whether you're a novice or you're in it, you know, been at this work for, you know, you're an expert or an intermediary, that would be great. And also let us know, will you help from that would be fantastic. So I'm going to turn it over to Michael and he's going to kick off our conversation today. So Michael. Hi, thanks. Thank you very much, Danielle. And I'm going to share my screen real quick. I don't work directly on, I work on doing things in communities right now, not driven yet by investment, but hopefully. So I'm the managing director of Reflective Earth. I've been working on climate change since the mid 80s and on climate justice since 1995. And in the last few years, I sort of want to give a little bit of an overview about why I think investment is so critical. For really more than a decade, it's been clear to those of us doing climate work and climate justice work that there is, that the costs of getting ready and adapting and being resilient are staggering. And give a couple of examples why the this is a map of the what's called the low elevation coastal zone in Bangladesh. It's estimated that Bangladesh will be 60% underwater for a large portion of the year by the end of the of this century on just moderate climate change paths. And these are large population centers you see there with some likely with the loss of what's called the West Antarctic ice shelf. This is a conservative projection. These red zones are conservative projection of the places that will be underwater in the United States. And I'll just give you a little just a simulation that was done recently for Boston, right? Here's what Boston looks like today. Here's what it looks like conservatively by the end of this by the end of the century. You can see visually on the left and then and then topographically on the right. And here's what it looks like if we don't if we continue kind of on a path that's only slightly better than we're on right now that is the same like two to 2.5 degrees Celsius and warming. So the challenge here I think for folks doing climate justice work is to say, OK, is it really just about mobilizing capital from rich countries to poor countries and rich neighborhoods to poor neighborhoods. And I was pretty depressed about it for a while. And I was able to have had a long conversation with several long conversations with water and water infrastructure people in particular folks in cities that have historically have very long histories and countries that have very long histories with water challenges. And what they said was that that, yes, the capital costs were daunting, but they all delivered very good returns if we shifted the investment horizon from kind of a property flipping, you know, buy a building, flip it in three years framework to more of a social and human capital framework with a six to eight year horizon. So, you know, for example, if we think about my hometown New York City, if there are two to three hurricane sandies in a decade, the subway system becomes very, very marginal. And you think about what does that mean for the pandemic? Obviously, has it been a preview of how hard it's been for small businesses and others? But you think about what do we do? And if we start investing now in resilience, if we start investing now in where we know the ball is going, the fact that there will be more hurricanes, the fact that our transit systems will transit systems will be more vulnerable, that certain types of housing, basement apartments and other things will be more vulnerable. It's possible to convert all of really every city, including the ones in Bangladesh, into places that have adapted and are resilient to what's coming and what will be and that those even can be strengths of sources of strength and growth for communities. So when we see the daunting task of the overwhelming impact that climate is going to have, we have to realize that there are places like Venice, there are places like Amsterdam. I'll give you an example. The Dutch have controlled 80% of waterborne traffic in Europe commercially since the 12th century. So if you think about a problem as an opportunity, if we think about our communities as needing to evolve, a finding new surface transit systems that are flood resilient, new types of housing that are climate and heat and flood resilient, these become opportunities. People can flock to cities, flock to places to see how they've changed, how they're adapting to how the world is changing around them, even though we wish the world wasn't changing as much or as fast. And the key really is changing investment regimes. And most of what I work on is the politics of that, raising these issues and saying capital flows are going to have to change. People are going to have to make money differently in urban areas. We can't afford to just, you know, basically sell out New York City to hedge funds in the hope that they'll stick around and we can collect enough rich people's taxes to pay for a new subway system. That's not going to work. We have to build community investment structures. We have to see where the ball is going, adapt and create new, beautiful vibrant places based on where our planet will be and is going now. At Reflective Earth, briefly, I'll just say we are working specifically on the question of what's called technically albedo, but we like to call it reflectivity. It's a little bit like mRNA for climate. It's the fastest thing you can do about heating is to reduce the amount of sunlight that hits the planet or hits surfaces. I won't get into the technicalities of it, but this is a map of the places in the world that are most, that can contribute the most to cooling the planet by becoming more reflective. We don't want polarized caps melting. We want them staying white and shining lots of light back to space. But at a local level, this is the city of Los Angeles. We're launching a map right after Glasgow with the city of Los Angeles, where they actually have done satellite monitoring of the reflectivity of every roof in the city. We can put a number on that and help people adapt. There are actually subsidies in the city to do it. We're working in that car right now to create grass roots, roof conversions. At a local and regional level, you can shave 2 to 4 degrees Celsius off an extreme heat day, radically reducing heat deaths, simply by painting a significant amount or converting a significant amount of surfaces to being more reflective. And by the way, the industries involved are just not mobilized at all. Shade fabric, paint roof materials, paving materials industries. They're not even half aware that they're going to be playing such a critical role in keeping our spaces livable. But these are conversion opportunities. These are investment opportunities for small businesses. But the mega message really is that you're not just going to turn a city white and go, look, we're done. It's going to change the character of the city. It's about the community and the human and the social capital, the aesthetic, the arts, the culture. And tying that together in a community investment framework is really the only way that we can afford, and frankly not just afford, but thrive through the transition we're going to have to go through over the next 50 to 100 years. And with that, I'll pass it on to Nita. Hi, everyone. Thanks so much, Michael. So I'm also going to share my screen. Let's see. All right, great. Thanks. So I'm Neda Arab Shah. He addressed the Inclusive Center for Resiliency and Clean Energy. And I'll be speaking about what credit unions are doing to address climate readiness. And it kind of speaks to what Michael was mentioning in terms of mobilizing investment capital in the places that need it the most. So Inclusive is a nonprofit organization and our mission is to help low and moderate income people and communities achieve financial independence through credit unions. We're a national network of community development credit unions. We're certified CDFI. And since 1974, we've been leading, we've been the leading credit union resource for financial inclusion and community development. And along the way, we realized that our members and the communities that we serve were really being hit hard by the impacts of climate change. So about a year and a half ago, we launched the Inclusive Center for Resiliency and Clean Energy. And through that, we're building a network of community based lenders, credit unions, loan funds, community banks that are developing and offering affordable financing solutions for clean energy, specifically to combat climate change, but also to build more resilient communities. So through the center, we offer training, access to collaborative operating platforms, investment vehicles, loan participation opportunities, looking at possibilities for secondary markets. And we also do advocacy work. And you can see Melissa here in this photo, our fellow speaker on this panel today, she was a student in our solar finance training course. So we see that there has been a significant global investment increase in clean energy. In 2020, there was over 500 billion dollars invested into the energy transition, which was a 9% increase over 2019. And you can kind of look down the slide, there was an increase in investment in renewables, increase in investment in solar. And in the US solar market, there has been dramatic growth. In 2006, there were 31,000 homes with solar. Today, there are over 3 million homes with solar. And that market is expected to double by 2023. And in addition, I'm sure many of her President Biden has called for 100% of the nation's electricity to come from clean energy by 2035. So we see that there's significant opportunity for growth and significant opportunity for investment. We also realize that there are communities that we're most trying to serve that continue to have the need for clean energy and access to climate friendly solutions. But they do not have the financing and they've been largely left out of this increase in investment. So we I wanted to highlight the concept of energy burden, which is when which is the percent of gross household income that's spent on energy costs. In this country, the average energy burden for low income households is three times higher than for non low income households. And on top of that, black household holds on average spend 43% more of their income on energy costs than white households. Hispanic households spend 20% more and Native American households spend 45% more. So we know that this disproportionate energy burden is hitting our most vulnerable communities. We also know that credit unions do have a very strong history of supporting those same communities. They're often supporting communities that have lacked access to clean energy. Credit unions also tend to have deep community relationships. They have the financing and loan underwriting experience. And there are over 5,000 credit unions across the US with combined assets of 1.7 trillion, serving over 113 million members. So through the center, but also just before the center existed, credit unions had been starting to build a significant green lending track record. And I wanted to just quickly state what what I mean by green lending. So I'm talking about financing projects that reduce household energy burden, greenhouse gas emissions, energy use, water use, they could be clean energy like solar or wind, they could be low carbon vehicles or building energy efficiency, such as a new efficient boiler. So we've seen that right now across the country over 292 credit unions and cooperatives based in Puerto Rico offer green loan products. These lenders are able to right now that most of them are getting started, but they are able to and will be able to dramatically grow their investment in green lending. They currently have combined assets of over 283 billion and are serving more than 17 million members. And the important part is that 61 percent of these institutions are either community development financial institutions, low income designated or minority depositories. And so they are serving just those populations that are being impacted by disproportionate energy burden. So we see a really strong connection between the capacity of credit unions to get involved and help drive financing in this space. I also wanted to mention that 21 percent of these lenders have taken our solar lending training program that we offer through the University of New Hampshire. Oh, sorry. And and with that, I'm going to pass it over to Melissa. And thank you very much. Thanks, Netta, for the handoff. Somebody let me know if the sound quality is not strong here while I get my slides shared. You sound OK, Melissa. Thank you. Very good. Thank you. What a million years into the virtual environment and with our microphones. Absolutely. Glad to be here. I'm with self help credit union and Ventures Fund. We're a community development finance institution that's a breed of lender that is special purpose built to flow capital into the communities that have traditionally been shut out from access to fair financial services. And in particular, we focus on low income and communities of color and rural communities and organizations led by women and people of color. For purposes of this conversation, we do not invest in projects involving fossil fuel extraction or production. And that's important for our members and our investors who are increasingly motivated by divesting themselves from fossil fuel investments. Oops. Hey, get back here. What we do is invest in clean energy, ecotourism, land conservation, affordable homes and green buildings. So a portfolio of what we call sustainable development oriented projects. And so of self helps, $10 billion of impact over the decades of our history. 409 million of that has been invested in these these umbrella categories that you would that follow either the UN sustainable development goals or other kinds of green lending targets. And increasingly, we're called to focus on climate targets. So we've, for instance, participated in the inclusive solar lender training course in order to figure out how are we going to extend our consumer lending to our members who are generally low income people. And that's not really a typical credit risk. So this is very much a new horizons. This is cutting edge or maybe bleeding edge of credit policy of extending credit. We try to support our borrowers and attract borrowers who come to us motivated to build low impact buildings with a low carbon footprint that are inexpensive to operate from an energy perspective. And we work really hard in our own projects so that we've got credibility to offer technical assistance to our borrowers by doing projects, catalytic neighborhood projects and demonstrating energy efficiency or solar energy on our own buildings. Tree preservation, I think, is a sleeper issue in real estate. Make note of that. Another issue that we work pretty hard to integrate into our own practices and our own business, our real estate projects are purchasing goals for minority and women owned business enterprises. And it's really important to us to carry those goals along with our green goals so that we are bringing along all of our values and all of our mission when we're building green projects. So lessons learned in the course of trying lots of lots and lots of different ways to get at these goals and have these kinds of impacts is that the numbers won't always pencil. And it's really tempting to imagine, particularly as a lending institution, that if we only find the right project structure, if we only get technical enough or get the right credit enhancement, that we're not going to have to take different risks than what we already are accustomed to taking. And that's not the case. The numbers will not always pencil. There's also often going to be a need for subsidy, because there's no price on carbon. Currently pollution is free. That means if you're going to build a project that has a lower carbon footprint than this other project next door, you might need subsidy. Maybe you're going to make it work through energy savings, but those energy savings occur in the future and you got a project budget you got to work with right now. So subsidy, I think is going to remain a very important piece of the project of the landscape for quite a while. And I think that's really important for investors to grapple with. And finally, I'll add a lesson learned that policy is going to be crucial. The example here on this slide, my perhaps not obvious, the photograph of the utility scale solar arrays out in the pretty green fields, those pencil, they pencil pretty good, because they've got contracts from a major utility. And the price of the solar equipment has come down and there is a well oiled machine pouring investment tax credit funds from institutional investors into projects like that. The picture on the right is a retreats a nonprofit organizing center in rural Durham County near where I live. And the utility policy up there is really not favorable, they're making it really, really hard for us to put clean energy at any kind of scale on this building. So policy is going to remain a crucial place of engagement for lenders and practitioners who want to make clean energy happen and reach that better world that Michael was talking about. I want to share four different ways that investors have engaged with self help and many other CDFIs community development finance institutions to make green lending happen. So the first one is the simplest. We as a depository institution, self help offers a product called a green CD. It's a FDIC insured market rate deposit account. And a lot of investors park their cash there. It's not like super exciting. But it's an awesome place for investors to put cash that aligns with their values. Second item, share secure alone is I think a sleeper issue. It's kind of like the situation where a grandparent might put up a lean on their savings account in order to enable their grandchild to buy a car. And grandchild is going to buy the car and if they don't and the credit union knows that if the grandchild somehow gets flaky grandma's behind that loan. So we've experienced that with a nonprofit with the Green Building Council in Western North Carolina, they wanted to secure loans so that neighborhood participants could get small loans to insulate their houses in a work swap kind of a program. And the credit risks were weird. But we realized we had this car lending program for grandparents. And we repurposed that for the Green Building Association to put a grant into enabling neighborhood participants to buy insulation and cock guns. Moving down my sketch here in, let's say, complexity. Investors can get a lot of bang for have gotten a lot of bang for their buck with CDF is by providing low interest capital through program related investments of varying terms the longer the more impactful the lower interest the more impactful. And then finally the there's an ability to fund a loan loss reserve or provide credit enhancement to a CDFI. And the again the longer term the lower the higher value of credit enhancement the more impactful it can be and the bigger risks the institution can take with those funds. So I will leave it at that and hand off to Aurelio to tell us what's going on from his part of the world. Thanks everyone. Thank you. Thank you, Melissa and representation of my fellow presenters. Let me see if I could connect right now with my screen. Okay, perfect. Okay. Hi, everyone. And I start with the beginning. Okay, I want to present my name is Aurelio Arroyo Gonzales. I'm CEO Cooperativa Jesus Obrero or Cooperativa, the commercial name. And we are located in Guainabo, Puerto Rico. We are part of an ecosystem of creative unions or local cooperatives. We prefer to call cooperatives to express the special characteristic that we present in Puerto Rico. We are a financial institution community on financial institution that are regulated locally regulated but also we have to comply with every regulation of rules and law that any financial institution in US jurisdiction. I want to present the solar energy and for all housing how cooperatives financial responses. What is the financial response of the cooperatives into climate change in Puerto Rico? I don't know if everybody know Puerto Rico saw the obvious phase of climate change in 2017 with the stroke of two major hurricane, category five hurricanes, Irma and Maria. I will I will express I will I want to present two examples how cooperatives are doing in the reconstruction of the island, specifically in terms of solar landings or solar financing and in terms of affordable housing. I want to talk about Jesús Obrero a little bit. We were founded in 1959. We have 110 million assets serving 1111,400 members. We are a CDFI CDFI since 2019 and inclusive part of inclusive members since 2018. We have before to start before starting talking about the impact of the hurricanes and the reconstruction in 2017. I want to express that we have layers of difficulties, layers of constraints in all our economy. We have an island crisis and the climate change economic context. Puerto Rico has been under economic recession since 2006. In past decade, we lost around 60 percent of the population. Most of them moved from to Florida, to Texas and other jurisdictions, other states in the US. We were expecting that in 2010, we have we have almost four million inhabitants and we started losing population in the past decade. The island infrastructure has been degraded to unsustainable levels with electrical grids having the greatest negative impact on the lives of Puerto Ricans. Our electrical grid was served by a state-owned monopoly that went bankrupt six years ago. So the state is bankrupt and our state's own monopoly from generation to the mission of the issue, went bankrupt also. You don't have our infrastructure are in very weak condition. The electrical infrastructure are very weak. And before, after in 2017, we were impacted stroke violently by two categories, five Hurricanes Irma and Maria. Everybody remember Maria, the impact of Maria of the Hurricanes in 2017 were incredible to the island over 3,000 people died directly related with the impact or in interruption of essential services. We experienced the longest blackout in history of the United States jurisdiction. In here in our institution, we experienced almost five months with our energy only working with generators. Hospitals are working, we're working with generators also. And there is a lot of interruptions with the services that impact the health of the people. And that's why a lot of people died because because the impact of the direct or the indirect relation, the impact of the Hurricanes. We also suffer a considerable damage over telecommunication or infrastructure. That because the because the lack of energy or the weak infrastructure of energy or around the island also is estimated that the natural phenomenon, the greatest economic impact in U.S. history, over 94 billions in dollar where Maria I prefer to call natural phenomenon, not natural disaster because you can see that the natural disaster that human that impact the nature, not the nature itself. More than 786,000 houses suffer any damage over 60 percent of all houses in the island. There is there is it is official statistic about the impact in the houses. That's why I prefer to call. I want to to express two examples of the reconstruction and how cooperatives are doing in this in this very very difficult environment. But it was as a community on financial institutions, a great genius everywhere are have values and have principles to reproduce about the cooperative system. But in Puerto Rico, we are going in another in an opposite direction from the economy. And we are I consider we are stubborn. Currently around 1.1 million Puerto Ricans are members of one of 110 cooperatives. That it represents one third of the population. It makes Puerto Rico one of the resilient world where more people per capita are cooperatives members. So it's very important that that that statistic because only three private banks are serving the island right now, which when when you joined the assets of all cooperatives in the island, we became in the third financial group. We are right now the third financial conglomerate in the island. So the people needs us and the the constraints that the economic and the the climate change climate change impact over the island that produce in our population and in producing our community and where our people has to be served by or needs every day needs most from a cooperative or a financial institution near the the the destiny of every of every community. After 2017 hurricanes, cooperatives have increased their membership by over 20 percent and their asset by approximately 25 percent. I consider it this most important statistic. Why cooperatives are doing better than any other financial institution in the mid of of a state bankrupt bankrupt state and in the in the midst of financial of financial constrained the island in the midst of economic crisis in the midst of infrastructure crisis. Why cooperatives are doing very well and is very important because it is related as the related to the answers that we have been given to the climate change issues. This is that's why those those two examples that I want to present for more than a decade, cooperatives have developed a solar energy financing model on the island while private banks were not interested in this market or look for financial alternative. A cooperative began to supply this need locally, creating a Puerto Rico in Puerto Rico, a solar energy industry right now. Cooperatives were the first financial institution that pay interest to to start financing solar energy project, not only residential, but also small and medium enterprises all around the island. After hurricane in 2017, there is not only need to finance solar energy project for economic purpose and for for to reduce the electric bill because more, more, more people has had access to financial to finance solar energy project for their homes or their business looking for reducing the electric bill. But now is the term of quality of life is term of life is is is is a life life issue. Because after hurricane, the people has a weak weak, weak service in stable service and this is a quality of life matter for most of the families right now. In 2017 and right now is very important there are increased number of cooperatives that produce solar energy through solar panels. As mentioned, Melissa, we also provide our space to create to we have to produce our own energy, not only as to reduce our bills is very important, but also to serve as a showcase to the community to to to to to create a connection with the people, the people believe and and pay trust that we have a have confidence that it is feasible and it is affordable for them also and is important for the community. Another example is the company of an affordable housing right now. After hurricane, remember that seven hundred seven hundred eighty six thousand houses suffered damages in the hurricane. After hurricane 2017, a large segment of low to moderate incompletion were left without adequate housing and were displaced. Much of them flew away the island, much of them stay here. But which one has to stay here and suffer the worst part are elderly millennials and blue color workers were left without the possibility of adequate housing to protect them from the impact of natural phenomena, bringing in with it stability and hope of progress. They broke the hope that they have been the progress of the in the life low to moderate people that incomes has no ability to access to affordable housing. Now the federal local government created a very attractive down payment system program for people displaced by hurricanes started last year to date, cooperatives have provided over 70 percent. Remember, we are the third conglomerate financial economy, but we provided 70 percent of the mortgage mortgage loans granted with this program, where average loans range from 70,000 20,000. Why? Because large bank, private banks has no interest to serve that market. So that's why it's important also to to to have this this this network of financial cooperatives or cooperatives or community own financial institution is local capital state locally. My conclusions presenting this in this presentation, this is these two examples demonstrate the importance of community own financial institutions, part of the critical infrastructure security and alternative to the import of climate change in the island. Remember, only three three private banks, 110 cooperatives or around the island. The logic placed in practice with cooperatives and community based capital is to persist, persist in their own existence against all odds. We are not going anywhere else. We can take our luggage and flew away. We have to persist and to adapt to the needs of our people. And one of the underneath of our people are related, much of them in a proportion bigger proportion every day to climate change. That's why we are here. That's why we are presenting right now. Thank you for the for the opportunity and and pass the admiration to Daniel. Really, thank you so much. Appreciate that. You know, at the end of the day, the work that each of us are doing is really about being of service to others and helping others live the best life possible, ensuring that our communities are safe. Our children are able to live happy, healthy, whole lives and that communities and the individuals that live in those communities have the tools and the resources they need to thrive and be successful. At Sea Note, this belief is at the center of everything that we do. Sea Note, we are a women led women founded social enterprise where our mission is to close the wealth gap through financial innovation. We partner with CDFI loan funds, credit unions, minority and minority deposit institutions to get to help get them access to fair and patient capital. And when we partner with these organizations, we are specifically working to change the narrative around how investors and organizations think about supporting communities through their investment dollars. With regards to climate justice, we're currently exploring in partnership with that and her team at Inclusive ways that we can help provide deeper education support and resources to CDFI to really help provide them the tools that they need to better assess how they engage with communities on issues like solar lending and helping to create a pathway to even greater climate lending solutions. And we're also really excited to be working with Melissa and her team at Self Help as we heard before and they're doing such amazing work in climate justice space. Here at Sea Note, we believe our work quite frankly, though, is only as good as the people whose lives we can help make a difference in. In a couple of ways that we're seeing our investors' dollars in actions is through capturing the stories of impact really and how community investments actually make a difference in real time. And just really quickly, I'd love to share a one quick story with with the community investment, how it made a difference in individuals and their community's lives. This story is about a woman by the name of Melissa Gladden. She started a company called Eco Group of the Carolinas with the help of a Sea Note CDFI partner natural capital investment fund. After years of working in the hospitality industry, Melissa started Eco Cleanup Asheville, which is a full service rental and vacation home cleaning enterprise that specializes in non-toxic cleaning products that are safe for water systems and the environment. She later expanded that business into a laundry mat in Western North Carolina, which I find amazing. Interesting in that it's the only solar powered environmentally friendly business in that area. It's called solar suds. And so with the financing from that CDFI partner, she was able to purchase the building. She acquired new energy efficient washer and dryers installed solar panels that really covered the entire square footage of the building. And she's also able to create jobs within the community. So it's truly a win win. And so stories of entrepreneurs who are realizing their dreams and creating healthier, you know, more environmentally focused businesses and communities, you know, why we do that work. And it's often that these businesses also increase local business more broadly, which encourages more people to stay in the communities. And so these stories are really fantastic examples of how community finance organizations are stewards of their local communities. And at CNOTA, it's really a privilege to be able to work with these finance community finance organizations, not only to promote their work and tell their story, but actually allow investors to access those organizations and make investments or deposits to support them in their work. So we are coming right up on the top of the hour. And so we've had so much, you know, amazing things that we've discussed. And I just I really want to I think I have just one question. I'll quickly ask the panelists to give me a 30 second response as we close out, you know, for those of us, you know, for the folks joining us in the room today, what is one piece of advice that you would give on how individuals or organizations can get involved in climate justice and take action today and we'll start with Netta. OK, great. Thank you. I think that there are so many projects that can be supported through platforms like CNOTA through your local credit union. There are many ways that you can kind of invest and even even possibly make some money back in local clean energy projects. Great. Thank you, Michael. Thank you. Yeah, I would also say I'll look at what your local planning agencies and local climate folks are telling you about how your community is going to change the risks that are there and think about how you can turn those into opportunities. Great. Thank you, Melissa. I'd say look through your whole portfolio, both your organizations and your own personal finances, including retirement accounts and start moving your money where your values are as far as carbon. Great. Thank you. And Emilio. We are starting starting the process to access the secondary capital through inclusive. Inclusive are helping us. Creative team are helping us to create a secondary capital market needed to expand our access to our communities, expand our support and services to the people that need the most. Fantastic. Panelists, thank you so much for your time and talent in the conversation this afternoon. Thank you so much to SoCAP for having us and enjoy the rest of the conference. Have a good day.