The Executive Innovation Show

Today, we're gonna be talking about a question we get all the time — is video banking affordable?So the one bucket I want to break down on is video banking and the ROI. We have a great ROI calculator that you can click on here in the show notes and see your actual video banking ROI for your individual bank or credit union. But really the ROI comes from several different buckets.It comes from, on average, a 20% efficiency in your workforce. It comes on the increased conversion rate on your website, traffic, reducing application abandonment rate, increasing the conversion rate of new customers. Then it also comes from the relationship management side and increasing wallet share with existing customers.The second bucket I wanna talk about is staff optimization. A lot of banks and credit unions have reduced their staff in certain locations with centralized hubs, with smaller micro branches and the ability whether somebody comes into a physical branch and you only have, you know, one business banker in that location.They're tied up for the next 20 to 30 minutes, having a cove or cubbie where you have video banking to connect that person to another business banker in a different location really allows you to optimize that staff across locations.That really goes into number three, as well as the physical branch, and real estate is not as important in the banking community anymore. Expanding your market share without spending on average 2 million per physical branch location with video banking.It really allows you to expand into markets where you do not have a physical branch or expand into markets that are outside of that five to a seven-mile radius of driving distance. So it allows you to acquire new customers and hire folks in a centralized hub, in a centralized location to support those markets.The last one that I wanna talk about is: is video baking affordable? Comparing it to ITMs. And so as we look at interactive teller machines and the average cost being $80,000 per hardwired ITM, that is only good. If somebody is driving to that existing branch location, and if they're an existing customer, it doesn't support new customer acquisition. And in comparison to one ITM at $80,000, the average video banking customer is spending about $1,500 a month or $18,000 a year.That is not tied to a physical location. So if we compare the 80,000 to 18,000 and the average span has a minimum of three videos ITMs, we're really comparing 18,000 to $240,000. So food for thought on answering the question is video baking affordable. You could click more to really look at our optimizing branch workforce white paper, an infographic, and really walk through that, play around with the ROI calculator. As you're looking at your budgets for 2022, asking "Is Video Banking Affordable?" make sure to schedule a demo today to see for yourself.Support the show

There are many types of loans out there today that banks and credit unions, as well as mortgage companies, offer to consumers and business customers through their websites. A lot of companies and financial institutions are in different processes of providing lending services. Online, most have moved to digital service platforms where customers can get rates, apply online, and fully get a loan — digitally.Online credit checks offer you options, where you can fill out an application and somebody, will get back to you. Video banking provides a very good increase in conversion rate to put the digital lobby on those loan application pages to increase the conversion rate in some cases over 70%.Let's break down the traditional process VS. video banking to do some comparison of the typical application in pages on your website.www.onetouchvideobanking.com/podcast/driving-loans-through-video-bankingSupport the show

Today, we're gonna be talking about video chat solutions for banking and three ways to improve the digital banking system. We're gonna be going over different ways of if you're doing digital banking today and customer expectations now with digital banking, as well as some improvements there.If we're calling the bank, we're expecting that they're answering in about 20 seconds or less. And if we're doing some type of live chat, that's 48 seconds or less. This is outlined in our Digital Transformations white paper. If you click on the link and the podcast show notes, you can see all these expectations outlined in that white paper, if you wanna follow along with this podcast. As you look at your digital strategies and your digital banking system and, and what should be included in that for 2022, please make sure you're looking at the video chat solution for where those levers should be, what departments they should be in, and how to best use that from an acquisition as well as a servicing perspective. That's all for today's podcast as always, please comment give us future topics for future shows and subscribe to get your podcast delivered to you next week.Support the show

A lot of you might have seen our video banking ROI calculator, in which you can calculate your own ROI for your bank or credit union. It breaks it down by department. So the conversion rate will be a little bit different for a mortgage conversion rate application page versus just opening a checking account. We’re talking today about the differences between the two.So where does video banking really come in and move that needle in the ROI versus a standard customer page with the video banking, digital lobby?Putting that digital lobby in the bottom right-hand corner of every one of your application pages will really reduce your abandonment rate. So if I start an application and I have questions or it's taking too long or whatever it may be, I should be able to click a button and video with a video banker and that should be routed to the appropriate person. If I'm filling out a mortgage application, it should route to a loan officer. If I'm filling out opening a checking account, it should write to somebody that can handle checking and allow them to be able to video with the customer and then be able to share their screen and walk through that application, not let the banker or teller do anything on the customer member screen, but be able to see and let them take action them full in what the information is and walk through that journey.It's gonna be somewhere in the 5% to 20% range. And then it's gonna show you based on that, how you're going to really be able to see the numbers for your video banking ROI and what that's gonna look like. Just on average, if you're going to add that, I mean, you're gonna be increasing your ROI 300% to 500% depending upon what department that is. So do your own scenario to fill it out and see what your ROI is.Click on the link in the description, play around with the tool and see really where your budget should be for video banking for 2022, and how to incorporate that on your application pages for higher conversion.Please leave us any comments or questions that you want to be addressed on a future podcast and stay tuned for next week. Thanks!www.onetouchvideobanking.com/video-banking-roi-calculatorSupport the show

Today, we're going to be talking about the Key Ingredients For Success In Video Banking and the technology uses for those features. We get a lot of questions about that and want to break them down in this podcast. The first feature that I’ll talk about is developing a customer-centric model. What does a customer-centric model really mean? Rather than thinking about how the bank or credit union has done business in the past and doing processes and technology around what is best for the financial institution, you’re putting on your customer's hat, your customer's shoes, and really thinking about what is best for them. So we actually break this down in further detail in our Video Banking Beyond Four Walls white paper. Embrace the change. Get your systems and processes in place today versus trying to have an overnight strategy implemented. It is part of the future and its part of today. So to really get that competitive advantage and get the ROI for video banking, utilize those top features. If you really wanna learn more about looking at these features and breakdowns in the ROI, the Video Banking Beyond Four Walls white paper is what you want to read. Stay tuned — we're gonna be talking about video banking, ROI, driving loans through video banking in the sessions next week. Thanks.Support the show

Hello everybody, and welcome to today's Knowledge Knugget brought to you by One Touch Telehealth. We're going to be talking today about growing family practice groups with telehealth. A lot of family practice groups across the U.S. Are trying to figure out the new normal of seeing patients in person as well as still accommodating telehealth. One of the key mistakes that we're seeing across family practice groups is practices going back to seeing patients only in person. There are many ways to market new patients, as well as retain existing patients with telehealth. It's not one or the other. It's a new blended environment, a hybrid telehealth model. So family practice groups should look at their appointment types and look at patient demands for telehealth and convenience when determining what needs to come in person and what should be offered as telehealth. To learn more on telehealth marketing, download our FREE white paper, click here.To learn about One Touch Telehealth, click here. If you have any questions that you want us to address on the podcast, feel free to contact us. Support the show

Hello everybody. And welcome to today's knowledge nugget brought to you by One Touch Video Banking. Today’s topic is one we get all the time and want to break it down - what is a Video Lending Advisor? Some folks were doing it pre-pandemic but Video Lending Advisors have been rapidly expanding.They could be for a mortgage, could be auto, it could be for commercial lending. Have them instantly through your website - fully branded with the touch of a button - whether it's to schedule appointments, which a lot of these banks have gone to, or if you walk into a branch and see somebody and you have to have a scheduled appointment which frustrates people.So having that right on your website, the ability to instantly talk to a Lending Advisor with a click of a button, and the option to have a virtual appointment with a Video Lending Advisor.So why is video lending advisors important? A lot of younger demographics - and when I say younger demographics don't mean younger, younger... I mean your Millennials even your Gen Xs - do want advice and handholding on lending. Whether it's an auto loan, whether it's a mortgage, whether it's buying a building on the commercial side... or even as you saw during the pandemic, all the PPP loans for small business lending people like to have that face-to-face relationship. Now we live in this convenient world where we don't want to have to drive a couple of hours round trip in traffic to a bank to talk to somebody. So that's today's Knowledge Knugget brought to you by One Touch Video Banking. If you want to learn more about what video lending advisors are - we do outline it in our new White Paper. If you click on the notes here and download a copy of that as always, please subscribe to the podcast to get your weekly knowledge delivered in your podcast player of choice. And we'll see you next week.Support the show

Hello everybody and welcome to today's Knowledge Knugget. We're going to be talking about telehealth marketing in today's healthcare market and how to market around telehealth brought to you by One Touch Telehealth. You've probably seen the news, there has been a lot of talk about Amazon getting into telehealth, they’re doing big marketing for that initiative. Walmart has acquired a company that is going to be in the telehealth space nationwide and pretty much every market in the rural community. Best buy talked about being in this space as well as Sam's club. So there's a lot of marketing and big dollars being spent on telehealth and acquiring patients. If you're a healthcare provider, a practice group, or a hospital in today’s market, then you need to have a strategy and a plan around your telehealth marketing.To learn more on telehealth marketing, download our FREE white paper, click here.To learn about One Touch Telehealth, click here. If you have any questions that you want us to address on the podcast, feel free to contact us.  Support the show

Hello, Everybody. And welcome to today's Knowledge Knugget brought to you by One Touch Video Banking. We're going to be talking about a hot topic today — how virtual Lending as a Service (LaaS) is really making a difference in 2021.We've seen a lot of market changes in 2021. The real estate and housing market have gone crazy in a lot of markets. A lot of new players have come into the industry and allowing you to make cash offers and get instant mortgages, the ability to sell your house sight-unseen online to these bigger lenders. So, there's been a lot of changes — and that's all been driven by technology.If you have any questions that you want us to address on the show, feel free to submit those as always subscribes. You can get your show delivered to your inbox weekly on your podcast, player of choice. Thanks, everybody. And also click on the link in the podcast notes to download our new white paper on video lending as a service take a read and let us know what you think. Thanks.Check Out Our Website HereSupport the show

Dr. Diana Girnita Founder and CEO of Rheumatologist OnCall direct care telemedicine company actively seeing patients in 6 states. Her practice focus is a highly personalized, evidence-based, and integrative medicine approach for patients with autoimmune diseases and arthritis.She provides instant access to specialized care in a digital format to meet the needs of her patient’s lifestyle, accelerating the diagnosis and treatment of autoimmune and inflammatory conditions. Topics: 1.     Dr. Girnita, you made the decision years ago to move to a direct Rheumatologist model, tell us a little the background of what led you here. 2.     Let’s talk about the patient experience in a normal specialty medicine model of waiting to see the specialty rheumatologist, maybe in pain waiting, and how your model of the first contact to visit really works? 3.     Tell us a little about the efficiencies of managing a virtual care rheumatologist practice. Do you see more patients, have a better work/life balance, what are the benefits vs. when you used to practice only seeing patients in person, in the office.4.     You are actively seeing patients via telehealth in over 6 states. How have this benefited both patients who might not have access to a rheumatologist and your practice for not being tethered to a physical location? 5.     Do you think the pandemic progressed the virtual care model, have you seen an uptick from patients wanting to be seen over video? Where do you see this 2 years from now?  Support the show

In today's podcast, we're going to be talking about Orthopedic Care Direct to Patient Care, brought to you by One Touch Telehealth. Our guest today is Dr. Daniel Paull. Dr. Daniel Paull, orthopedic surgeon and founder of Easy Orthopedics, the first Orthopedic Care Direct to Patient practice in America. He does house calls and offers transparent cash pricing. Self-described as a rogue.In our show today, we'll learn the ins and outs of direct orthopedic care. Many providers in primary care have moved to direct care, virtual care, and telehealth models but it's seen as rarer in specialty medicine.To learn more about Easy Orthopedics or Dr. Paull. To watch our on-demand webinar, “Best Practices in Telehealth Patient Handoff Workflows”. Support the show

Alex Jimenez is the Chief Strategy Officer at Extractable, a digital strategy, design, and data analytics consultancy focused on the future of financial services. He formerly led technology strategic planning for Zions Bancorporation, served as Chair of the Consumer Bankers Association Digital Channel Committee, and has been published in many financial services magazines and influencer lists.A lot has changed for financial institutions during and after the pandemic in regard to managing a customer experience transformation in banking. Customers expect more video and digital services as they’ve experienced across other industries and banks/credit unions now have to think about not only managing branch experiences but how to manage digital experiences. This is not only technology-related but isn’t successful without the culture top-down approach.Support the show

Digital Lending Growth: Is Simple Online User Experience the Key to Retaining and Acquiring Loans?Today's show Digital Lending Growth is brought to you by One Touch Video BankingDan Daggett is a 30-year Credit Union Executive, and founder and President of Daggett Enterprises USA, a Financial Services Agency. Dan is a collaborative intrapreneur whose passion for innovation has resulted in new business lines, new revenue sources, and engaged teams for nearly three decades.Foster Kelly is Direct of Business Development at Rate Reset. Before that, he was a top producer at Churchill Mortgage. His passion for digital lending has fueled part of the innovation with Rate Reset's most powerful solution. Rate Reset is a leader in digital lending with products that help credit unions and banks retain their loans with patented Reset technology.Today we're going to be talking about a hot topic digital lending growth. It has been on the forefront of bank and credit union executives' minds, even before the pandemic. But now since the pandemic, it's top of mind and a top priority. With our guest today, we'll not only talk about how to acquire new customers but also how do you retain and increase wallet share with existing customers?Support the show

On today’s podcast show we’re going to be talking about Reinventing the Rural Hospitals Revenue Model during COVID and Telehealth in rural areas, brought to you by One Touch Telehealth. We have a great guest with us today.Ashley Williams is the CEO of Innova Emergency Medical Associates and has over twenty years of healthcare experience.  She was recently named a Woman to Watch by ColoradoBiz magazine for her contributions to the Colorado economy.Rural hospitals around the country have just been overwhelmed with trying to keep their employees safe during the pandemic while dealing with an increase in high acuity patients. Besides, they have seen a major reduction in people coming into the ER for low acuity needs and rural hospitals are still seeing a reduction in elective and outpatient surgeries.What can rural hospital executives do to combat this with operational efficiencies and new revenue opportunities to help them stay afloat during these tough times.What ways are the emergency departments getting creative during financial stress?  How can rural hospitals utilize telehealth to increase efficiencies or new revenue opportunities to support their local community and fight closure? How can the ED or rural hospitals partner with local senior communities? What should be on the roadmap in 2021 for rural hospital administrators?To learn more about One Touch Telehealth or Innova Emergency Medical Associates.wSupport the show

On today’s show, we're going to be talking about digital marketing in banking industry and the shift from radius-based marketing to digital marketing brought to you by One Touch Video Banking.  Today’s guest is Greg Pellitteri, a former banker, and is currently co-founder and CEO of Bundlefi, a financial technology, and marketing company that helps community banks and credit unions increase new customer acquisition at a low cost. Bundlefi also helps educate consumers about the value of banking with a local community financial institution and the importance of financial inclusion.  First, there pre-pandemic there was a lot of innovative community banks and credit unions, that we're shifting their marketing focuses, not away from “draw a circle around the branch” radius-based marketing, but they were shifting focus to digital marketing to acquire customers. Then the pandemic hit, this increased the importance of digital marketing in banking to be front and center. With 59% of customers in 2020 opened an account online, digital marketing in banking industry, played a critical role in online account openings. Carrie asks Greg, how has it been like for you guys in the shift of, digital transformation in banking, what have you seen in new account openings today vs. 12 months ago Before the pandemic, most of these financial institutions were not doing any digital marketing in banking. Most of them didn't have online account opening capabilities. At the time, I don't think they saw it as a viable option for them because of the technology expense.  However, following the pandemic, we increased so quickly in both customer base and staff size just to keep up with digital marketing in banking industry demand from community banks and credit unions. They realized that they were kind of missing the mark with a lot of their marketing efforts at that time. I think they now realize that there is a much better and more efficient way of marketing to consumers who are actively looking for a new banking relationship.When you go to radius-based marketing, you kind of just blanket the area and it works to some degree, however, what you want to get to is the people that are looking for a new financial institution. The financial institutions have realized that they were behind the eight ball in digital marketing in banking and needed to build their technology or find new technologies that fit into their business models. Support the show

Today’s Executive Innovation Show is brought to you by One Touch Video Banking.  We're going to be talking about brick and mortar branches in banking and digital banking trends in 2021. Our guest on the show today is Brit Boatright, CCIM is a Principal and Chief Strategy Officer of Structure First. where he guides financial institutions through the design and construction of new branches, HQs, and branch transformations.  He is a former community bank president with over 27 years' experience in the industry.We are going to be talking about a hot topic that is on everybody's mind. The world of banking has just really changed dramatically since the pandemic and banks overnight have had to embrace digital bank transformation to keep their employees and customers safe, all while trying to run normal business of acquiring new customers and servicing their customers. Support the show

Hello everybody, welcome to this week’s Knowledge Knugget of the Executive Innovation Show. We’re going to be talking about what is telemental health, use cases during COVID, and breaking down how to reduce no-show rates during COVID while keeping folks safe in isolation during this difficult time. What is Telemental Health? Mental Health During COVID.So let’s break down what is telemental health and why it’s not video conferencing, first I want to talk about some statistics. As we look at no-show rates in mental health, it’s anywhere from 23 to 34%, some folks, especially in smaller practices in rural areas are seeing no show rates up to 50%. As we live in this virtual community with COVID being part of our everyday life, how do we effectively use video communications, and how does that extend post-COVID?Find out by reading the full show notes here. Want more telemental solutions and best practices in workflows? Download our Telemental Health White Paper here. Listen to the healthcare podcast where we talk about all the use cases for telehealth. Subscribe to the podcast and rate us! Have a Knowledge Knugget idea?Reach out and submit today.Support the show

Welcome to the Executive Innovation Show Podcast, brought to you by One Touch Video Banking. During this podcast hear host Carrie Chitsey, talk about digital banking trends in 2021. Listen to this episode of The Executive Innovation Show Podcast as we discuss what exactly digital banking is. Listen as we break down the difference between ITMs, VTMs, and Video Banking. Carrie Chitsey led the CRM Financial Services practice in Big 5 Consulting and then went on to own a financial services contact center. She has advised some of the largest banks in the US. Since founding one of the first mobile companies in the US in 2008, she is known in the industry as a leader in digital/mobile innovation. Named Top 50 Mobile Executives in the US, Top 100 Female Founders, and Top 40 Marketing Execs in the US. She hosts a podcast “The Executive Innovation Show" and is published in many magazines and online resources.ITMs and VTMs First ITMs and VTMs are sometimes used interchangeably. Whether it's an interactive teller machine and that interactive teller machine is through video, then it's typically a video interactive teller machine. A lot of banks and credit unions have put a lot of strategy around having that face-to-face connection with their existing customers. ITMs vs Video Banking One of the top priorities for banks in 2020 and 2021 was implementing video banking. Banking executives that have seen true video banking solutions have completely changed their mind on their ITM and VTM strategies. Video banking significantly lowers costs and allows critical customers to stay home without driving to a location, convenience is key. This also allows you to broaden the footprint to open it up for acquisition. Acquisition and Servicing via Video Banking Video banking is for acquisition and servicing. From an acquisition standpoint, having video banking, right on your website, where you're spending your digital marketing dollars and driving your acquisition efforts - will help with your conversion rate and help build relationships. You now have a competitive advantage right out the gate. Increasing Conversion & Retention Rates with Video Banking Video banking helps with retention and your NPS and C-SAT scores. With video ITMs, you might move a slight needle on that. Not on retention, but on customer service, especially if it's after hours or the teller lines are close. But from a retention standpoint, building that relationship, having that relationship manager being proactive with that is going to move the needle. If you have any questions for this podcast if you want to ask our next guests that are coming up, feel free to submit questions, let us know what you want to hear on the Knowledge Knugget podcast in 2021. Download the playbook and stay tuned to our weekly episodes of the Knowledge Knugget to learn more best practices and tips on how to incorporate video banking and digital transformation into your bank or credit union.Listen to the video banking podcast and subscribe to the podcast and rate us! Have a Knowledge Knugget idea? Reach out and submit today. Support the show

Welcome to the Executive Innovation Show Podcast, brought to you by One Touch Video Banking. During this podcast hear host Carrie Chitsey, talk about digital banking trends in 2021. Listen to this episode of The Executive Innovation Show Podcast as we discuss how banking has changed significantly in the past 12 months and what’s on the horizon. Carrie Chitsey led the CRM Financial Services practice in Big 5 Consulting and then went on to own a financial services contact center. She has advised some of the largest banks in the US. Since founding one of the first mobile companies in the US in 2008, she is known in the industry as a leader in digital/mobile innovation. Named Top 50 Mobile Executives in the US, Top 100 Female Founders, and Top 40 Marketing Execs in the US. She hosts a podcast “The Executive Innovation Show" and is published in many magazines and online resources.Learning Lessons From COVID Digital is KeyUpdated Branch Design & ReductionDigital Acquisition is a Necessity for All - Community Banks and Credit Unions IncludedBanking Trends in 2021Virtual Workforce Your essential tellers and things like that will stay in physical locations, but as we look at relationship managers, business lending, loan officers, and more, we're going to see a shift to working in a hybrid model. Remote Advice In 2021, we’re going to see a lot of remote advice. As we look at those high margin products, servicing high net worth individuals, a lot of people have moved from their local demographic. Businesses are relocating entire headquarters from California to Texas. Customers and members might not be in a position where you're by your local bank. Video Banking Every industry has seen such a rise in video and video conferencing. From school to work meetings, most people are now comfortable being on video. Having those video interactions from a banking perspective can move the needle on the acquisition side, increasing conversion rates by 3X. Video banking can help you with your NPS and C-SAT scores while  increasing wallet share by up to 20%. Digital Footprint If we go back down to state closures, people are going to want to open accounts, do everything online and not have to come in physically to keep themselves safe and to keep you safe. During pre-COVID, it was a convenience factor, and today convenience is still king, as well as safety. The Time for Change is NowFor more tips on how to grow from a servicing perspective - increasing wallet share, retention, NPS, C-SAT, acquisition perspective, and to learn how to reach people better while developing higher conversion rates, subscribe to the podcast. Stay tuned for all the special guests we have coming in 2021. And we look forward to helping you make 2021 great and a heck of a lot greater than 2020. Stay tuned for the next episode. If you have any questions for this podcast if you want to ask our next guests that are coming up, feel free to submit questions, let us know what you want to hear for the banking podcast in 2021. Download the playbook and stay tuned to our weekly episodes of the Knowledge Knugget to learn more best practices and tips on how to incorporate video banking and digital transformation into your bank or credit union.Listen to the video banking podcast and subscribe to the podcast and rate us! Have a Knowledge Knugget idea? Reach out and submit today. Support the show

https://otvideochat.com/video-banking-covid-19 During today's topic, Carrie Chitsey talks about why banks and credit unions are scrambling to video banking. As we are aware, with COVID and with shutdowns, a lot of branches have been either completely closed in certain states or have started to open back up but with limited hours or drive-thru only. This has shaken up the banking industry on how to do normal business, and how to have employees work virtually in a secure manner. Banks typically never had employees working from home. There have been a lot of challenges, both on the operational side, as well as the marketing side of how do you acquire customers in the middle of a pandemic. How do you get them to come into a branch to open up an account? We're going to walk through some of those things today and talk about how you solve them. “What's the future of the physical branch?”Banks right now are scrambling on how to put that playbook in place of this new normal. The first thing to talk about is “What's the future of the physical branch?”. That's a big question that we get, and there's a lot of banks that have spent a significant amount of money on creating these open branch pods, taking down the glass, taking down the walls, really trying to have more intimate conversations with customers and make them feel more at home. As we look at this new world where banks have had to on a dime, adapt to this new world of how do we get computers in people's homes for our employees to work? How do we hire remotely? There are all these challenges going on, we have a virtual playbook on “Banking Beyond Four Walls” where we cover a lot of this. Hybrid Banking Model - Acquiring CustomersWhat does the new normal look like? It's a hybrid model. There's going to be people that come in. Most banks are holding off on branch expansion for physical locations and rethinking that. How do you acquire customers in a pandemic? You do digital marketing. As you look at acquiring customers, if you're doing digital marketing, the biggest issue has been the conversion rate. Getting people to look at an ad, go to your website, and then making them fill out a physical application in a location in a branch, or bringing you a physical driver's license. If you look at implementing a video banking solution, you're able to still service customers. You have your relationship managers, your business bankers, private clients, wealth management, those types of folks still having that face-to-face conversation through video with customers. This allows you to increase that wallet share with those customers because they're not just banking with you, they're banking with others. You must be proactively reaching out to your customer base and sending them to your website to have a conversation through a video banking platform. Or they could be increasing their business with somebody else or remembering who reached out during that pandemic. Through video banking, you can switch some of these levers and move that needle on the servicing and acquisition side. Download the playbook and stay tuned to our weekly episodes of the Knowledge Knugget to learn more best practices and tips on how to incorporate video banking and digital transformation into your bank or credit union.Listen to the video banking podcast and subscribe to the podcast and rate us! Have a Knowledge Knugget idea? Reach out and submit today. Support the show