The I Love CVille Show With Jerry Miller! - Miguel, Karolina, Adam, Elise & Matthias Joined Alex & Xavier Urpí On "Today y Mañana!"

Episode Date: July 11, 2024

Miguel Coradine and Karolina Medina of Craddock Sirius Insurance, Adam Rodgers and Elise Miller, Baritone and Mezzo Soprano at The Charlottesville Opera, and Matthias John of Matthias John Realty joined Alex Urpí & Xavier Urpí On “Today y Mañana!” “Today y Mañana” airs every Thursday at 10:15 am on The I Love CVille Network! “Today y Mañana” is presented by Emergent Financial Services, LLC, Craddock Insurance Services Inc and Matthias John Realty, with Forward Adelante.

Good morning, everyone. Welcome to Today y Mañana. I'm Alex. This is Xavier. We're very excited to have you joining us on a beautiful morning here in Tar Heels, Virginia. It may be hot, but it's pretty. The sun is out. The leaves are in full green. Or brown. Yeah, as long as you're in air conditioning, it's a beautiful day. It's a comfortable day. So just enjoy the AC and look out your window and enjoy the beauty around you. So that's a perfect day for that. And it's a perfect day for some Today y Mañana.

Oh, yes. Because we're going to be – We've got a full show today. Exactly. We're going to be joined shortly in the show by me. We're going to do one of those FedEx, you know, where the guys speak so fast. Remember that? The FedEx thing where the guys speak so fast?

I think it was FedEx. You don't remember? No. There was a FedEx commercial where the guy spoke like a million miles a minute. It was just kind of like that. Well, we'll try to be a little better than that. You can't be better than I got. We want people to hear the guests.

I'll be slower than that. I'll be slower than that. Because we're going to be joined shortly in the show by our great friends, Miguel Corredin and Carolina Medina from Craddock Serious Insurance. And then later on in the show, we'll welcome Elise Miller, Mezzo Soprano, and Adam Rogers, baritone from the Ader Emerging Artist Program right here at Charlottesville Opera.

And then last but certainly not least, we're going to have you joined for our monthly meetup with Matias, Matias Yon from Matias Yon Realty. It's going to be coming on. So we have a great show. Absolutely. It's going to be fantastic. Glad to be on with you.

Thank you. Was it you and I? Well, last week it was 4th of July. Last week was 4th of July. And then the week before that, I can't remember. I think Michael was on with me. That's right, Michael was on. Because we had on Michael Slon.

That's correct. Yeah, absolutely. And Bridgette Eversol from the opera. So we had the double Mitals that day. So it's been a little bit since it was you and I, but I always look forward to it. Same here. It's always enjoyable. So, of course, love being here on the I Love Seville Network set presented by Emergent Financial Services

and powered by our good friends at Credit Series Insurance, Mattias, your own realty, short words for APRA Forward Adelante. Thanks, everyone, for who's already starting to tune in. We've already got some people loving the posts, loving everything that we have in store today. So that's for sure. Elizabeth Irby, lighting the show today. Nicholas Irby, lighting the show.

He went to the premiere. It was at the dress rehearsal for The Illiterate Love this weekend, and he loved it. He loves it anyway. Yeah, he just couldn't say enough good things about it, so that was fantastic. I know he really enjoyed that.

Which is coming up tomorrow night, and then Sunday you said? Absolutely, so it's going to be tomorrow the 12th of July at 7.30pm, and thenth of July at 7.30 p.m. And then Sunday, July 14th at 2 p.m. It's going to be the Elixir of Love. You can still get tickets at charlottesvilleopera.org or theparamount.net. That's a great name for an opera, Elixir of Love.

Most of them are a little different. Yeah, exactly. This one most people a little different. Yeah, exactly. This one most people should really enjoy. Yeah, it's fun, it's light-hearted, it's not difficult to follow. It's in Italian, so I think for a first introduction, that kind of helps.

Absolutely, yes. I will say nothing against other operatic languages, but let's just say some of them are more... There's nothing like the Italian language. Having heard the malls on the range of flowery to rather formal, Italian is definitely on the flowery side.

Well, I heard a Russian one once. Oh, did you? Which one? Boris Dudinov. Oh, yes, yes. By Masorti in Russian. It's, yeah, I mean, it is a serious language. You don't feel very lighthearted when you're listening to it.

It was also a serious opera, but that's for sure. That's for sure. Wanda Tussera-Echstein says, looking forward to seeing the production. You will not be disappointed. Absolutely not. Well, I say it's a great show. I'm excited to jump right in.

Yes, we've got to give them all the time we can get. Absolutely, absolutely. So we are excited to jump right in. We've got to give them all the time we can get. Absolutely, absolutely. So we are excited to welcome to the show this morning Midel Corridin and Carolina Medina from Credit Series Insurance. Midel, Carolina, thank you both so much for being on with us this morning. Buenos dias. Buenos dias. Buen giorno, como siempre.

Buen giorno. Thank you, Javier and Alex, for having us here. It's always great to see you here on the show. Same here. It's always a delight. It's always a pleasure. So, I mean, I know one of the things we wanted to talk about, because I think it's come up, is, and David will

try to do English and Spanish on this, is just the market we've been seeing. Especially, I think, if people are reading news articles and stuff, they'll be like, oh, it's a hard el mercado que hemos visto. Especialmente si las personas están leyendo artículos de noticias y cosas, es un mercado difícil. Así que sé que Xavier tiene una pregunta.

Voy a hacer la pregunta a Carolina y Miguel también puede responder sin duda, pero dicen que el mercado de seguros es duro ahora no sé si se puede traducir hard market a un mercado duro

pero quizás puede explicar estoy seguro que hay gente que no entiende lo que quiere decir hard market y quizás puede explicar lo que quiere decir y qué es lo que está pasando con los seguros claro, claro, bueno lo que quiere decir y qué es lo que está pasando con los seguros estos días. Claro, claro. Bueno, lo voy a decir en español y Miguel pues me ayuda el resto.

Pero bueno, gracias primero de estar aquí. Siempre es un placer, chico, verlo y compartir aquí en el programa. Sí, o sea, hard market pues lo decimos como un mercado un poco difícil, porque como podrán ver, pues muchos como agentes hemos recibido muchas llamadas nuestros clientes que los seguros o aseguranza han incrementado este siempre les digo ustedes no son los únicos a todos nos está pasando lamentándolo mucho y eso se debe lógicamente a varios factores que está pasando hoy en día en el mercado este uno de esos pues lógicamente es la

no es mentira para nadie, estamos viviendo una inflación, el país está viviendo una inflación, como ves, todo ha subido, la renta, la comida, los precios de las casas, los carros y las compañías de seguro, lógicamente, pues, no es una excepción. Y mucha gente me dice, pero yo qué culpa tengo, pues, bueno, hay muchos factores que hay que tomar en cuenta, lógicamente eso, el precio incluso de los gastos médicos ha influido tanto, ha incrementado tanto, que a la hora de hacer un reclamo, lógicamente no va a ser el mismo costo, la persona por ejemplo si resulta lesionada, la tercera persona involucrada en el accidente resulta lesionada, lógicamente los gastos médicos van a ser más altos. Por ende, las compañías de seguro también incrementan sus precios

a la hora de la liability, o sencilla o regular, que le llaman mucho. Desde, hemos leído hace poco, desde la pandemia, hablando de dos años para acá, el incremento de accidentes ha subido increíble, bastante. Pues ya la gente, yo creo que después de haber estado en casa tanto tiempo. Entonces, lógicamente, ha sido diferente la forma del manejo.

No sabemos por qué, pero los incidentes y accidentes han subido muchísimo. Entonces, por ende, pues también han tenido que ajustar precios. Por eso, los precios de los carros. A la hora de hacer un reclamo, las reparaciones de las piezas de los vehículos no es la misma. Ha incrementado muchísimo. También muchas cosas, pues la gente ha tenido ahorita mucho, y Miguel, corrígeme en esto, accidentes de speeding tickets, también tickets de velocidad.

Multas de velocidad. Gente que maneja bajo la influencia un poco del alcohol. A veces dice, una cervecita o dos no es mucho, pero es suficiente para que un policía te pare y te ponga un DIY. Claro, sí, sí. Entonces, siempre llamen, por favor, un Uber, no manejen así. Y eso influye mucho también. Y no sé qué otro factor te acuerdas Bueno, yo hablando de lo que es el

mercado difícil ahorita en esta etapa como que quería comentarle a las personas que nos están escuchando lo que tienen que entender es que esto es un mercado que en promedio toma tres años esto es como

cuando vienen situaciones buenas o malas en la, ¿cómo se llama? Donde está el exchange, ¿no? Sí, por ejemplo, en la bolsa. La bolsa de valores y el mercado, todo eso. Entonces, es como un roller coaster, es como una montaña rusa. Pero ahorita estamos en el mercado difícil, ¿no?

Por todas las razones que acaba de explicar Carolina, entre otras también. Ahora, ¿qué esperar de todo esto? Porque esa es la gran pregunta. Bueno, ¿y hasta cuándo va a pasar esto? Entonces, si tenemos en cuenta que en promedio históricamente dura tres años el hard market, el mercado difícil de seguro, yo pienso que esta vez va a durar más de tres años. Porque el hard market, esto comenzó en el 2020 y ya vamos para el 2025. Según los expertos, pero esto no es nada seguro, yo no puedo certificar esto,

dicen que a mediados o finales del 2025 las cosas en el mercado se pueden estabilizar, ¿ok? Se pueden mejorar los precios y no va a haber muchos más, digamos, incrementos en la tasa de la prima, ¿no? De las personas. Pero eso va a depender de muchos factores. Porque así como todo ha incrementado en el seguro de los carros, también ha pasado en el seguro de las casas. Una de las formas más, digamos, fáciles de explicar en la parte del seguro de las casas es que, yo no sé si ustedes se han dado cuenta en la noticia, pero cada día hay más tornados, cada día hay más huracanes,

y son más fuertes y causan mucho más daño, mucho más que en promedio. Y eso, en teoría, puede bajar, pero si seguimos teniendo todas estas tormentas de huracanes, tornados, incendios, esto no va a hacer que las casas de los precios de los seguros bajen. Esto va a ser más lo contrario, que sigan subiendo. Y entonces, lamentablemente, estamos ahorita en este proceso y esperamos salir de ahí aproximadamente a mediados del 2025. ¿Y tienen un impacto también los precios de las casas en el mercado? Oh, correcto, correcto. Sí, porque las casas también se están evaluando.

No solamente eso. Si usted compra una casa, por ejemplo, de 250 mil dólares hoy, ¿verdad? Un año después, como vamos con la inflación, esa casa que usted compró no va a costar 250 mil dólares. En el peor de los casos, si se enciende, la pierde. Va a costar

probablemente un 20% más. 15 a 20% más. Entonces, todo va subiendo. Y eso estoy hablando de un año. Puede incrementar a medida que van pasando los años. Entonces, lo que aprovecho

a decir que es importante que cuando tenga una póliza de seguro de casa, tenga lo que se llama el replacement cost. Porque el replacement cost. Porque el replacement cost es como un seguro antiinflación. Ellos es garantizado. Si usted no lo tiene, se arriesga que si en 10 años después

su casa se incendia y la pierde y su casa cuesta 250 mil dólares, por ejemplo, puede ser que su casa de aquí a allá 10 años cueste 100 mil dólares más, reconstruirla, y el seguro no va a alcanzar a cubrir todo eso, pero cuando usted tiene esa cláusula de replacement cost

garantizado, no importa cuánto cueste su casa, el seguro va a cubrir lo que cueste reconstruir su casa, es muy importante por eso hablar con expertos de seguros independientes que le expliquen todo porque son muchos detalles, muchas cosas que si bien usted no lo sabe,

para eso estamos los agentes personales, que podemos guiarlos y asesorarlos profesionalmente. insurance going up, but now that they've explained it, it makes a lot of sense, right? So basically, you know, you take out a, you know, whether it be a home insurance or a car insurance, right? And think about it. Cars now are worth a lot more than they were, you know, five years ago, right? So basically what Miguel and Carolina are saying is that the hard market means that prices of insurance have gone up and they've gone up for since 2020. And typically it's about a three-year cycle and now we're going to maybe a five-year cycle. But as we all know, inflation has been a large reason for that. If your car used to cost $30,000 and now costs $50,000, the insurance company, when you get into an accident, no longer has to pay for a $30,000 car but a $50,000 car, so the parts are more expensive.

Medical costs have gone up. So if you get into an accident, then the medical costs go up. I think Catalina mentioned that since the pandemic, accidents are up, whether it be people driving under the influence, whether people are driving speed, I guess people are breaking the speed limit more often than not before. So all this forces the insurance companies to raise those rates. And like, like mentioned, also with regard to houses, you know, you, you build a house and, or you buy a house, it's worth $250,000. If you get an insurance policy for $250,000, and all of a sudden three years later, your house burns down, or, you know, there's been more tornadoes, more hurricanes,

or something happens, you're only getting $250,000. So what Miguel is recommending is you get the replacement costs. And, of course, you get a replacement cost, it's going to cost $350,000 to an insurance company. Guess what? Insurance rates are going up. So it's a function of, you know, we are living in an inflationary environment. After the pandemic, I guess everybody said, I'm going out, I'm having fun, I'm living life, more cars on the road, more people out there. So, you know, all this is an influence to, and that's what hard market means, basically,

that the insurance companies have had to raise their prices because of what's been going on. Absolutely. Ricardo Cruz Duran, watching the show, amigo del programa, he says, Miguel and Carolina love to see y'all. And then he says, que buena explicacion a mi le paso tambien he's seeing it himself for Miguel with Total Mortgage in addition to that and thank you Ricardo

good to see you always in addition to what Javier just said have you noticed that new vehicles I mean people don't realize how much money the new vehicles cost like even 10 years ago no vehicle had cameras now every single vehicle from 2020 22 up they got at least two or three cameras sensors cameras this this cost this cost a lot of money. It's not now a bumper sticker thing that is going to cost you $500.

No. Maybe one of these two cameras is going to cost you $1,000 each. Just the cameras only. And these are the things. Cars are actually being built better with better technology, but unfortunately it costs more. It costs more. And that's just one thing.

Another thing that are happening is the revolution of electric vehicles. Some insurance are not even taking Teslas when they are used because it will cost a lot of money to... To repair the replaced car. It's just something that insurance don't even... It's an unknown, right? It's an unknown. And it costs a lot of...

I mean, you know how much a Tesla car can cost? Easily $80,000. And we're not talking about a Ferrari here, you know, which is an electric car, you know? So, you know, insurance... They're getting, you know, off guard on all these expenses, and they're having to readjust two or three times a year to, you know, make sure they have the money to pay for these higher costs and expenses.

They will have. That's another factor that people, you know. That's a big one. And just, we run that with our financial plans, right? they will have that's another factor that's a big one and just we run that with our financial plans

when people say I'd like to buy a car probably in 3-4 years when I put in what the expectation is they say oh no we wouldn't buy

that kind of car I say what kind of car do you have now and I say well that's what the cost is today so imagine a few years from now

and they say wow exactly they don't realize that the new car they bought 6 years ago, if they were to buy a new version of that today, it's not a $25,000 car. It's almost a $50,000 car now.

It's the same car. But that's where prices have gone. And, I mean, we dealt with the importance also then of working with a professional agent to really help you navigate, because it's not as easy to just navigate this type of market anymore. And you guys, I know, not only are there two of you, but you're growing the team. Yes, yes, we're growing the team.

We have a new member of the team. Her name is Vanessa. I'm planning to bring her in the show next time. Ah, nice. She's bilingual, and she will definitely, you know, we love her so much. Ah, bien. Ella es bilingüe y definitivamente, nos amamos mucho. Ella se cuida muy bien de todos nuestros clientes, especialmente de los que hablan español,

que tenemos muchos de ellos. Sí, eso es maravilloso. presentante Vanessa, excelente, es persona de servicio al cliente, les voy a ayudar con todas las preguntas que tengan también acerca de, que tengan con respecto a auto, casa, comercial, y bueno, estamos muy contentos con ellas. Igual estamos abiertos también a aprovechar la oportunidad de que, pues estamos abiertos a la posibilidad de otra persona bilingüe, inglés, español, en la oficina, si están interesados, pueden can send us your email. Miguel Craddock at CraddockSeries.com.

Just like Carolina said, we are actively looking for a bilingual professional agent. If you have any questions and interests, please give us a call. We're happy to have an interview. What's that email again? You're not switching jobs. I'm bilingual. As you know.

It's been a pleasure. What's the best way for people to also get in touch with you both? Well, the best way, you know, I mean, now they can just call us at 434-817-7555. One for English, two for Spanish. But you can also, you know, we have our social media in Instagram. We also have in Facebook. We also, you know. We also do WhatsApp

application. A lot of Latino customers, they do that. It's easy. You don't have to call. They just send us a voicemail or a text message, things like that, that are very quickly. And then we can just

right away get on it. So there are many ways to get in contact with you two. It's important. y que se pueda hacer rápido, y que se pueda hacer de inmediato. Así que hay muchas maneras de ponerse en contacto con ustedes dos. Sí, sí. Eso es importante. Sí, sí. En realidad, tenía una pregunta diferente, pero tenemos una pregunta de audiencia. Ricardo pregunta para la posición. Sí.

¿Tiene que ser con experiencia o sin experiencia? ¿Qué necesitan para aplicar? Bueno, en este caso, nos gustaría que tuviera experiencia. Si no, igual estamos abiertos a la posibilidad. No hay problema. Sí nos importa bastante el hecho de que sea bilingüe. Y porque puede manejar nuestros clientes tanto en inglés como en español. Y para aplicar, como dice Miguel, puede mandarlos al email

miguel.cradleserious.com O también en caso de que nos puedan tomar nota rapidito nos pueden llamar al 434-817-7555 y con mucho gusto le brindamos más información, un poco más personal gracias Ricardo perfecto

perfecto perfecto perfecto perfecto perfecto perfecto perfecto perfecto

perfecto perfecto perfecto perfecto perfecto perfecto perfecto perfecto perfecto perfecto perfecto perfecto perfecto perfecto perfecto perfecto perfecto perfecto perfecto perfecto perfecto perfecto perfecto perfecto perfecto perfecto perfecto perfecto perfecto perfecto perfecto perfecto perfecto perfecto perfecto perfecto perfecto perfecto Miguel, Carlin, ha sido un placer. Muchas gracias por venir. Estoy emocionado de tenerlo de vuelta. Sé que tenemos otros temas para el próximo momento. No pasa nada. Es un placer tenerte aquí. Muchas gracias.

Una cosa más. Lo bueno también en este caso, porque siempre me gusta terminar con lo positivo, Pleasure having you, being here with you, and thank you again. Thanks so much. One more thing. One more thing. One more thing. One more thing. One more thing. One more thing. One more thing. One more thing. One more thing.

One more thing. One more thing. One more thing. One more thing. One more thing. One more thing. One more thing. One more thing.

One more thing. One more thing. One more thing. One more thing. One more thing. One more thing. One more thing. One more thing.

One more thing. One more thing. One more thing. One more thing. One more thing. One more thing. One more thing. One more thing.

One more thing. One more thing. One more thing. One more thing. One more thing. One more thing. One more thing. One more thing.

One more thing. One more thing. One more thing. One more thing. One more thing. One more thing. One more thing. One more thing.

One more thing. One more thing. One more thing. One more thing. One more thing. One more thing. One more thing. One more thing.

One more thing. One more thing. One more thing. One more thing. One more thing. One more thing. One more thing. One more thing. One more thing. One more thing. One more thing. One more thing. One more thing. And if we can, we can see what better options we can get, depending on how the market is. That's a key thing. They have access. They're independent, so they have access to a lot of different insurance options. You can kind of shop around, compare prices. Something that fits you best. Exactly. So we're always happy to help.

Excellent. Thank you both so much. Can't wait to see you next time. Nice to see you both. Thank you. All right. So as we rotate here. Que buen esposo dijo excellent. Que bueno es poso dijo. Excellent.

No bueno. Excellent. Excellent. We always look so much. Yeah. I mean, like Ricardo said, such a great explanation and analysis of like, okay, how do we get where we are? What are we looking at?

What are the options? Exactly. Yeah. That's important. That's important. Yeah's important, yeah. These are difficult times for a lot of people and so it's good to have those kind of options. Exactly, exactly. So from one pair of great guests to another, we are super excited to welcome to the show this morning

Elise Miller, mezzo-soprano, and Adam Rogers, baritone from the Ader Emerging Artists Program right here at Charlottesville Opera. Elise, Adam, thanks so much for joining us this morning. Thank you. Thanks for having us. We've been looking forward to it. I can already hear the music coming out of them.

That's great. I can tell what's on your mind. So maybe to start off for those, especially because I think some of our audience has seen you both on stage, particularly recently. But maybe for those who haven't met you yet, tell us a little bit about yourselves and kind of what led you to opera. Well, I'm from Texas and I was a choir kid. The choir is pretty big in Texas.

And so that's sort of where I got my start. I started taking voice lessons in high school. I previously took piano for a long time and ended up going into college for music. And I didn't really know much about opera when I got to college, but I was studying classically. So I learned through that experience. And then I ended up going to get a master's at Indiana University, where I currently go. And that's a very big opera school. And I have a lot of background in musical theater as well. I think many high schoolers sort of start off in other genres. But I found it through voice lessons, through classical training, and just through experiences at school of doing operas and doing

summer programs okay yeah oh that's awesome so i'm originally from georgia and like elise i started in choir that's where i fell in love with music and then i decided i wanted to teach but even though i taught choir for about three years during that entire period i knew i wanted to perform and so i did some summer programs and kind of found my way into some professional performing opportunities and my love for opera has just kind of grown from that point so I'm just curious so at what point you know because I mean you know you know sometimes like you know as a little kid I sang right but you know obviously if you heard me sing now you you realize why I just never went into anything. But at

what point did somebody tell you, wow, you've got a great voice, or was it a voice that developed over time, or is it something where somebody said, wow, I mean, you've got the voice to do this? Well, I guess, like, I can tell

you the first time I knew I had a good voice, which was in middle school choir, when we were doing an arrangement of Mack the Knife for middle schoolers. It was a Kurt Weill song. And arranging for middle school choir is not easy. So we were doing an arrangement. And there was a solo. And I was like, I told my mom, I said, I'm going to audition for the solo.

And she's like, okay, whatever. said I'm gonna audition for the solo and she's like okay whatever and uh and then I ended up getting the solo so I actually I know it's like a really like weird story but I I really just didn't know I was a good singer I was really more into piano at that time until my middle school choir director gave me a solo and then from there I just kept staying in choir and then when I started taking voice lessons more seriously I think that's when I was really encouraged to apply to music school yeah my um mother always tells me the story of how she prayed when I when she was pregnant with me and prayed that I would play piano and sing and so when I was young I'd go to the piano and just

start singing and and then growing up in church would sing all the time and uh and that's kind of where it started I don't I don't necessarily know if I remember anyone telling me I sounded good I just remember singing until people acknowledged oh he's not gonna stop so and then somewhere along the way like you mentioned you know the skill came in. Like Elise and I have gone through school and done a considerable amount of training. So of course there's been some polish over the years. But I think initially it was just that raw passion and that desire to do it. And then things kind of lined up eventually.

Absolutely, absolutely. So what led you both to the AIDA Emerging Artists Program here and what's been your experience of it? Do you want to go first? Sure, yeah, I'll go first this time. I did a program last year in North Carolina called Brevard, and a very great program. And so I met the artistic director, Dr. Wara, there,

and she's just such a sweet person. I mean, what a presence she has. And a beautiful voice, beautiful spirit, beautiful heart. And so I really wanted to audition for her and Leanne, Dr. Clement. And I did. And I got here. And it's been such a great experience. I think Charlottesville has a beautiful merging of

city life, country life. And so you get a nice middle ground, city town, I guess I would call it. It's been great to meet everyone, to sing at the various places, to even be here with you guys. Oh, thank you. Yeah, I mean, all of this has been

quite beautiful and special. And I've enjoyed it. That's fantastic. How about yourself, Elise? Well, I knew that Charlottesville Opera existed, and I knew that they had a program, and so I had never really applied before.

It wasn't until last year that I was really applying for young artist programs in a serious way, so I saw the posting on Yap Tr yap tracker which is like a website for if you're in classical music everyone knows that website it's called young artist program track tracker yeah tracker uh so i i just applied through there i didn't i didn't know uh caroline or leanne prior to applying um but i had a really great audition experience with them. I actually auditioned on Zoom really late at night. And I also loved the season.

I love Elixir and I love the Music Man. So I just, there wasn't really like anything specific I was going for in the audition. So I just sang kind of what I liked to sing and we just had a good rapport. So I just sang kind of what I liked to sing and we just had a good rapport. And I just think that they liked me. And I was really excited because I also have some friends that have done the program and everyone has nothing but great things to say. So it's been a real pleasure being here. So when you auditioned on Zoom,

was it any of the songs from those two or something that you just knew well? Something I just knew well. I didn't really think there was something specific for me in the season other than just smaller roles and things so i i sang one of my my arias and i sang a golden age song and they just really liked it and it was it's been great impressive i mean because i i am not a zoom fan because as you can tell them i use my hands and everything and And on Zoom, people say, where's his hands? Where are they going? But that's outrageous. That's great.

That's fantastic. And, I mean, speaking of the roles, I mean, you both had, at least for me, memorable roles in The Music Man because at least you played Mrs. Peru. I did. And that was beautiful to watch. And then Adam, you played Charlie Cowell. Which I had lost. I was telling Adam before and I had lost track of

his name. In the story. I just knew his name was Charlie and I just kept telling my wife that guy, the guy who keeps saying he doesn't know the territory is so good. He's so good. Especially with that opening scene. Yeah, Rock Island.

Yeah, where there really isn't much accompaniment. Right. You guys are kind of just out there doing it just with just voices. Yeah. So what was the, I mean, just out of your eyes, what was the experience like to have that musical theater and have roles in The Music Man? Oh, man.

Charlie is such a hilarious, just boisterous character charlie says what's on his mind yep which is so funny because i have that silly goofy side but i i'm usually very careful very calculated person with my words charlie's not so charlie just comes out and tell us how it is you know and so that was so fun to dive into that. And musical theater, which is so devoted to the text, we as opera singers are too, but I think musical theater is, I would say,

I don't know how Lise feels, but I feel like MT is a little more text forward than opera is. And I feel like sometimes opera is a bit more voice forward. And so with musical theater, it's's like we really want that text you may not sing you know super well and we want you to sing well but the text and so it really took me back to my roots of like selling the story you know being devoted to the text really communicating which I think helped me to convey elixir you know well and helps just everything

else because you're really committed to telling the story the best you can so it was so fun how about you release yeah I agree I think that in musical theater there's really in opera sometimes you can sort of I don't want to say hide but there's just more things like there's just all this beautiful music going on and you can really like use your voice in a different way versus when you're doing musical theater and you have dialogue you really have to your delivery and the way that you say it is really important and um so I totally agree with you there's there's nowhere to hide you have to really hone your acting skills and use a different just part of your brain i

think in a way and uh i i love doing that i've done other musicals uh i had never had to do an an irish accent so that was pretty impressive i have to say well thank you i wouldn't have called it authentic but you know i i did my best i i watched a lot of Dairy Girls and other Irish TV shows and movies. I'm just trying to learn it orally, I guess. But, yeah, I love musical theater. I think that it definitely informs other opera experiences that I have because it's a great way to work on acting but coming at it from kind of a different angle because you do have to

speak and you don't just get to sing everything. And I think it helps dispel because I think one of the things growing up, the stereotype was that you would always hear opera singers, they're terrible actors. They're lousy. But you really don't, because I think

of what you learn in musical theater, I mean every time I've gone to show upesville Opera, I'm like, no, they didn't do that, they didn't do the job, the delivery's good and so forth, because I think, you know, obviously it's great to have that mixing of talents, and then also it's great, I think, to experience operatic voices in musical theater, because especially if, like, you're last time seeing it, like, I remember, I had never seen the Music Man before,

but I had seen Guys and Dolls before last year's performance, and I mean, if your only experience in Guys and Dolls, mine was, was Marlon Brando trying to sing. It's not a great, it's like, oh, man, I guess they don't really sing well in musical theater. And then you actually go to music theater with beautiful voices. This is what it should sound like with a beautiful voice singing these parts. What I was going to say, that's a great distinction. I never actually heard that, but that makes total sense, right? They're a musical theater.

Obviously, it's the words that really count because it's a story, right? Yes. Not that in opera, you know, there's a story too, but you can always hear. And I grew up with opera because my mother was involved in opera, so I listened to a lot of opera. But you could always, you know, and I'm not going to say mumble, but the music that comes out, their voice is so much more important than the enunciation of the words, whether it be in Italian or German, whatever,

that they can, like you mentioned, they can probably just mumble a little bit, but that voice comes out first, right? But in musical theater, you're mumbling the words. It's like, what's he saying? What's going on? I'm supposed to understand this. It's interesting, yeah. It's interesting he said that. It never occurred to me, but that's so true, you're mumbling the words like, what's he saying? What's going on? I'm supposed to understand this. It's interesting. Yeah, it's interesting he said that. It never occurred to me, but that's so true.

But I was going to ask you guys, so singing without any music, how difficult is that? When you say music, do you mean microphone? So in other words, you just have to sing, but there's no music playing. No accompaniment, you mean. No accompaniment. Yeah, no music playing. Oh. No accompaniment, you mean. No accompaniment. Yeah, I'm sorry. Okay. To me, that's music.

Yeah. How difficult is that? Are you referring specifically to Rock Island, maybe? Or just period? How difficult is it period to do? Yeah, just period. How, yeah. Well, I think being such a choir person, even though in this format I'm an opera singer, musical theater,

but to my core, I'm definitely a teacher and a choir teacher. And what I always taught my students is audition. So hearing the pitch before you sing it, and then having a tonal center. And if you practice it enough, it becomes sort of like muscle memory. And so you don't deviate from the track, if you will, right? So let's say the train is, you know, staying in the center of the pitch. We don't leave the track. And what reinforces that is the technique. And so maybe the nuts and the bolts of the track would be breathing and pacing and tongue position and laryngeal, you know, position and things like that.

And so I think technique really helps us stay in tune. So yeah, I think acapella can be difficult if you don't have the proper tools and technique in place. But yeah, what do you think, Elise? I agree with you. I haven't sang acapella stuff in a while, but when I was in choir, we did that a lot. And again, Texas, big choir place, and we did all types of audiation

type things and I think if you can't hear it in your head you can't really put it out there but that's a skill that you can really train in young singers is to hear it and then produce

hear it in their head and then produce it and again with training too, like breathing, reinforcing like intonation and things like that, for sure. I'm in agreement with you, Adam. In agreement. And so on that basis, you both now obviously, Music Man was music theater

and now Elixir coming up this weekend is back to opera. Yeah, yeah. What, for you both, what are you looking forward to? What can people look forward to this weekend? I would say that one thing that people can look forward to is the very colorful costumes. Our director is calling it sort of the Epcot version of Elixir. All of the women have very just bold colors,

and we kind of, like, mine is very Belle, and some other people have different sort of Disney character vibes to their costumes. And also there's some very cool projections and artwork that you'll see during the show that is just, it's really neat. So it's like animations and projections and things. That's very fun. Adam? I think it's such and projections and things, that's very fun Adam?

I think it's such an immersive experience and even at times in the show I think the audience will witness the fourth wall being violated, right? So you won't feel necessarily that you're looking in, you'll feel like you're a part of the action, in the village on the farm so to speak

I think it's going to be quite exciting. Absolutely. People can look forward to it. I'm very excited about it myself. I'm going tomorrow night, so it should be fantastic. Before I let you both go, where can people follow you both, learn more about where you'll be next and where your journeys take you?

Yeah, my handle on Instagram and website is Elise Miller Voice. So you can find me there, Instagram or www.elisemillervoice.com. Perfect. And how about you, Adam? Adam Rogers. So Adam Rogers on Facebook,

Adam Rogers on Instagram. Super easy. Yeah, the website www.adamjrogers. Oh, mixed it up. There you go. There's a twist. Yeah, the website, www.adamjrodgers. Oh, mix it up. There you go. There's a twist. Don't forget the twist. Whoa, whoa, whoa.

Watch out. Yeah, adamjrodgers. But the website is on my Facebook and Instagram. So if anyone wants to follow or keep up, you can find it there. Fantastic, fantastic. It's been such a pleasure. Absolutely.

Nidilus Erpi says, he didn't know Elise wasn't Irish. Oh, yeah, I know. This is my real speaking voice. This is my real accent. He's like, wait, she's not Irish. I'm not. I mean, maybe

somewhere in there, but not recently. Well, you did a great job, obviously. Absolutely. Well, this has been such a pleasure getting to meet you both. You did such a pleasure getting to meet you both absolutely it was you did such a wonderful job um and and also i went to the festival where i know each of you had some solo uh singing for and it was so beautiful and and i know and we appreciate it in that heat yeah absolutely so it was hot it was so we just admired all of you doing such a

wonderful job and we appreciate you coming on today. Yes, thank you so much for having us. And good luck tomorrow night and Sunday. Thank you. All the best. See you later. I say knock them dead, I say all the same, right? Absolutely. Or at least it's dead with laughter, probably for a lecture.

Thanks, Dan. Have a good one. Thank you, guys. Thanks. And then a couple other people watching the show this morning, just a couple of shout-outs. Otto Turkish-Sievel is joining and is watching the show this morning. Claudia Troy watching the show.

Jasmine Electron watching the show. Olga Mors on Puerto Rico watching the show. Ray Morris tuning into the show this morning. So thank you, everyone, for tuning in and joining us. And we are excited to go right to our next segment, which is our good friend Matthias for our monthly meetup with Matthias, your own real team. Matthias, how are you doing this morning?

Fantastic. Thanks for having me again. You got the pleasure of learning and seeing the other guests come on first. Impressive young singers, definitely. I thought it's a quiet time. Everyone talks about the summer slump, but here we are with

a full program today. Very interesting guests. And yeah. We try to combat as best we can the summer slump, which I know can sometimes be experienced out there. I think it's just a given, right,

in real estate that there's always going to be kind of that summer slump because people kind of just disappear and go on vacation and so forth. Yeah, historically speaking, we have those two strong seasons, the fall and, of course, the spring market, right? And typically around Christmas, it's getting slower. And then, of course, the summer slump. People assume that everyone is on vacation, and I'm sure many people are. But the university is on vacation, that's what it is. All the students are gone so traffic is a little better.

And you know when right now it's as you said it's a slower season you know market factors but also people are on vacation. A lot of people think that's the reason why we sell less homes right now, but I always think to myself, only so many people can be on vacation at the same time. Sure, school is out,

students are not here right now, but I see a lot of roads on the car. Do you think it could be sometimes, I wonder if it's also a timing thing, because I know one of the but I see a lot of roads on the car. Yeah. Do you think it could be sometimes, sometimes I wonder if it's also a timing thing because I know one of the reasons spring, I've heard, is so big is because families start to look because they want to move in the summer before kids go to school.

And I'm thinking maybe the reverse kind of is true. By the time you get to mid to late July, families might be saying, do I want to move now? Do I want to look now? Because if I move in August, I've got to get kids signed up and everything in two weeks for school. It just tightens their time frame.

Right. You don't want too many changes in your life to happen simultaneously, right? So you want to time this right. And depending on your situation, whether you're a family with school kids, obviously that plays a role when you look for a home. And historically speaking, that's true. Things are a little bit off and different

coming out of the pandemic. You know, the historic seasonality of things didn't really align with what was happening at least 2022, 2023. But yeah, the market has cooled down. I can see that. And if you look at the sold homes in our area, whether it's Charlottesville,

Albemarle County or surrounding counties, the numbers do show less activity year over year. But, at the same time, home values go up. So we always have that paradox on happening

in our area. Unfortunately. It's fascinating. Do you have to, I mean, in that vein, have you seen because obviously this is not the first time we've had you on to talk and known that, okay, home values are going up. We've talked about interest rates several times, right? clients and potential clients, have you seen any change in mentality in terms of a shift from, okay, how long do I have to wait this out to, okay, what do I do now given this situation because it might not be changing anytime soon? Well, the first thing I always say is I can't advise on financial things because I'm not

a financial advisor. But we can talk about what we observe. People watch CNN and Bloomberg and then take those headlines and they call me and ask, is it a good time right now? And I think the answer always has to be personalized because it depends on so many factors, whether to buy a home right now, whether to sell a home right now, whether to sell a home right now. Is that a good idea or not? And especially working with buyers.

And you're not the first to raise this. We hear it all the time. And, again, it depends on your situation. What are the pros and cons of waiting to buy a home or to pull the trigger right now? Should we wait for lower interest rates? There are indicators that make us believe that the rates will slowly go down. At the same time, how much control do we individually have over Federal Reserve policies, right? And does it mean that if I get a lower rate in 2025,

could that also mean that the price of the same property is higher? So what's the best answer here, right? And also look at buying power. If rates go down, that might actually mean that I am more competitive with my finances. My buying power is higher because all of a sudden I can have access to higher-priced homes because my overall monthly financial commitment is down. So there are a lot of considerations. And I know everyone is tired of this generic answer. It depends.

But it really does. And now more so than ever, I think. I was going to say, we see that all the time, too, where people will say the same thing. They'll come to us, is this the time to win to the market? Again, it has to be personalized and you realize nobody has a crystal ball

to say next year the market's going to go up or down. If you miss an up market the next year, you're sitting there going, now do I get in next year? It's the same thing with the house market. And in the house market, again, it may be wrong, but I would say it's even more personalized because this becomes your home, right? This is where you're going to live.

So to make a decision, I think you're absolutely right. It is truly personalized. Are you ready? Are you ready to go into a house that will become your home and this is what you want over the next, you know, whatever, 10, 20, 30 years, right? And whatever the market is, whatever the price is, whatever interest rates are, if you can afford it and that's what you like, then it's probably the time to do it, right? Because if you, like you said, if you wait for the next year, it's like,

boy, that house that we saw last year, that's the one we really liked. Now we can't find one or you know now they're a little more expensive rates are down but there's more so you sit there you go it truly has to be you know what does that person need and is it time for them you know right and your answer shows me again that not only in my industry it makes sense to sit down with a client or someone who is wanting to become your client and look at what the circumstances are, you know, personalize it. That's a great listening here to all the small businesses. They do exactly the same thing. It's not an online search and then you get a generic standardized

answer. No, it's specific to the individual's needs and situation. I think especially when people, especially in the more challenging the environment, that's when it becomes even more because I think sometimes there's a tendency

when the environment is challenging to try to save money. In other words, okay, let me try to do this myself because things are tight and it may cost me to seek out advice, right? And I think you see that mentality creep in. But in reality, it's when times are difficult, when there are challenges, when, in other words, when you're in a hard insurance market, you need someone like Miguel Moore. When you're in a challenging interest rate and price environment, you need to talk to someone like Matias Moore. And I know in finance, they say the same thing, right? No one ever wants a financial advisor or really needs one if the market's just going up every day.

It's when things go south that you're like, oh man, I wish I had talked to someone before things were becoming challenging. So I think it just goes, especially I think in this environment where people might be tempted to say, let me try to do this myself because maybe I've been watching the news and I don't have to pay a realtor anymore. But it's when things are tough that you need someone, even to just bounce ideas. I would say how often is it just a matter of you sitting down

with a prospective client and kind of bouncing ideas off each other that they need to hear another voice give them some ideas that maybe they didn't think of. Absolutely. I agree. And what I also just find interesting, this is all human psychology, right? We want to control things, but there are certain things

that we just simply don't have any influence over. A lot of people are concerned about the outcome of the elections, right? In which direction it will go. We have no control over that. Well, except the one vote that we have. But what we have control over are, you know, data about our market, about our area.

And so we can look at facts and numbers and maybe advice based on that. That's in our little microcosmos is what we can do. And that plays a huge role whether you're looking or working with a financial advisor or with a realtor interested in buying a home here. Yeah. And it's true. I mean, in the end, you know, being able to touch base with a professional that does this day in and day out has the experience. I think it's a calming there when you go talk to them and say, okay, here's what I'm trying to do, and I'm a little confused as to, you know, am I ready?

Am I not ready? What am I looking for? What's available? And then all of a sudden that, you know, that real estate person comes and reviews everything and says, listen, this is, give me what you've provided me. Give me what your goals are, what your expectations are. Here's what's available. Here's what we recommend. Let's take a look at a few of them and then get a feel for it.

And I think, and that's when I think people then come in and say, okay, now, you know, and then they begin to hone. Because sometimes it's like, you know, they want everything. And it's like, I didn't like that. Or that's got, you know, I didn't like the fence on that house. Things of that sort. So now as a realtor, say, okay, well, now I know the kind of fence they like or don't like. So I'm not going to show them this house. So you begin to hone in on what that person really wants because at first it's like you get the feeling they want everything.

Either they want something very specific or everything and again it's honing in us to yeah you know what are they really looking for what can they afford exactly and yeah and what are the priorities maybe it's it's a school district i mean i really want a good school district or you know i want a big backyard or i don't want a backyard but i'm going close to the city little things like that are so important to have somebody that can really go through with them and explain where you are, where you're moving to,

what are the areas, the pros and cons of different areas. It's so important. You can't have that. You can't know all that as an individual. Exactly. So that's where you come in. And in this context, I want to just praise you guys and express how thankful I am that we have a show like yours in our community that showcases, you know, very small firms that can cater to different demographics too. As I was sitting here half an hour ago

listening to Miguel and Carolina talk in Spanish about their business, and it just shows how important it is because we have a high Hispanic population and not everyone speaks English. Or if they do, maybe not to the extent that they can read a contract, understand an insurance,

and it's just fantastic to know you can refer someone to those two, for example. They speak, they know the area, they speak all those languages. I'm fortunate enough to speak Spanish too. I have Hispanic clients. You spent some time. And they are thankful sometimes that I can actually sit down and talk about that contract that they might not understand, right? And on the show, we have seen Spanish-speaking loan officers, bankers, insurance people, among many other things. And thank you guys for really trying to dive into the small businesses of our area

that otherwise people might not know about. That's kind of why we're here. It's a pleasure. It really is. I mean, you know, Alex and I talk about it all the time, you know, when we first started. And little by little, we realized it's just amazing how many different types of businesses and people with different talents that there are out there. It's like sometimes people come in and they talk about what they know. And I'm sitting there and going, I didn't even know it existed, much less how much they know.

Right. So it's just, you know, it's been a blessing. I mean, I've learned so much and got to meet so many people. And I love, like I mentioned, it's Zoom's not my thing, but being in front of people I love. So it's been a lot of fun. Absolutely. One of those is. Oh, so it's been a lot of fun. Absolutely. One of those is... Interesting. Oh, go ahead, go ahead.

Interesting anecdote. I always joke that, now I'm from Germany, as you know, that it would be great to find this niche and just have German clients all the time. There are no Germans here. Something interesting, the Euro 2024 is happening right now, the Euro Cup for soccer. And I'm part of this German-American friendship or German-American association here in Charlottesville.

And we organized like a little public viewing for everyone interested. So we went to locations in Charlottesville that show the matches on big screens. You wouldn't believe how many Germans all of a sudden showed up. But I had no idea we're here. And it's great. I mean, I don't speak German too often with my family, of course. And it's always embarrassing because I realize

I'm lacking the vocabulary the longer I live here. And I spoke quite a bit of German leading up to last week and fortunately they kicked us out of the championship. But I connected with a lot of German people. I had no idea. So anyway, it's an interesting city. Do you call it a Stammtisch? Yeah, we call it that. My mother-in-law, Monica, has one in Montana. She calls it

a Stammtisch when they get together and talk in German and eat food and get together. And the Stammtisch has been around for many, many years before I moved here, of course. And I joined them and once a month we would

meet and it's usually a small group, maybe 10 or 12 of us, usually the same faces. And so it was just interesting to see close to 100. So yeah, they're all here.

A lot of them work at UVA and at the Jefferson and so on That's awesome One of those you mentioned small businesses Otto Turkish is watching the show and he says, Matthias is great to work with We highly recommend him

Ali, thank you Ali for the kind words and appreciating you, which we can certainly agree with. Which, have you been, I mean, in the summer, what are some things you've been enjoying on that positive vein? Because obviously we're trying to counteract the summer sleep, right? But what have you been enjoying this summer? You know, I enjoy that moment when I open the door to my house and i feel cool

it's it's hot right now um so i i enjoy the the morning hours and the evening hours outside this morning before coming into into this place um i walked on the downtown mall, and I was observing the street vendors building up their little, I don't know, little shops. Right, right. And people drinking coffee outside. And it was the perfect climate and temperature to do that. I really enjoy that. But, of course, at 2 or 3 p.m., it's a different story on the downtown mall or just wherever we are right now.

I think we are all struggling a little bit with the lack of rain um i mean i complain about it but imagine being a farmer not having the rain right now i don't think the heat is as surprising as the lack of yeah the dryness really yes um it's been yeah i mean it's it has been as it hasn't been as humid it's been a drier heat because I know I get up in the morning typically I get up in the morning I go out to the backyard to go look at my garden

the grass is just soaked lately I go out there it's not even wet it's so dry but no rain for a farmer that's tough for a little farmer it's's tough. For a little farmer, it's easy. I just water my little bit.

But if I had a farmer, I can't go out there with my hose. How's your garden looking? I think your wife is growing a lot of produce. We grow enough so that we can feed Alex and his wife. Oh, your children, right? And then ourselves. Free supermarket. Just perfect. But I'll be honest right? Nicholas and his wife. And then ourselves. Free supermarket. Just perfect.

But, I mean, I'll be honest with you. It's like the tomatoes this year. There's no, by now, usually there's mold already and rot and, you know, the leaves are turning and stuff like that because we get so much mildew. That's one good thing about this year. No mold, no mildew anywhere. But they're just struggling to grow because they're just not getting enough water. Michael and I are almost every morning watering because I go out there and it's dry. If I don't water one day, by the end of the day

my wife's taking pictures, look at your plants, and they're like, oh gosh. It's rough out there. It's rough out there. But, I mean, the nice thing is in the early morning and the evening, I think because of the dryness, you can enjoy it a little bit. Yes. You're able to walk outside, go down the downtown mall, go for a walk in the neighborhood. You're able to do that because it's not as humid.

And it's funny. Adam said, when he talked about Charlesville, he said it's a beautiful, because it's not as humid. And it's funny, Adam said, when he talked about Charlesville, he said, it's a beautiful, because it's a city, but it's a small town, and you have all the surrounding beauty. And think about it. I mean, how many cities like this have an opera, you know, Music Man, you know, the symphony, a downtown mall, restaurants, right? How many cities have that? And then within

like five, ten minutes, you're in the country. I mean, that's pretty amazing, you know. And in four hours, you can be at the beach. In four hours, you can be at the beach. Yeah, that's probably, that's a big one. That's a big one. Absolutely. Well, this has been, yeah, no, it's

wonderful. I apologize for Germany. I told my wife, don't be mad at me, I told my wife because I typically root Spain or Italy. So I told her, look, if Germany beats Spain, I will root for them the rest of the way. But then

when Spain won, I texted my wife, I said, sorry, but not sorry. But how did they win? We were not giving the penalty we deserved. That's debatable. And it is a very huge debate right now.

It is. Absolutely. It always is. Those things are always so close. Anything to change it. But there's always next time. That was probably, I mean, out of all the games, and I haven't seen too many of them, right, but

that game was, like, from the beginning to the end, that game was tense, good, both sides attacking. That was a fun soccer game, because sometimes it's like, you know, you watch a soccer game and there's like four shots on goal, and it's like, oh man, game and there's like four shots on goal and it's like there's nothing going on

They didn't park the bus they both were playing well Going into the competition we were not too optimistic about our team a lot of young players a coach that just recently started and so

we were not sure. And then we performed much better than we thought. So it was a lot of fun leading up to it. And, yeah, even though we are out, coming Sunday, the final will be fantastic to watch. Rematch of the Spanish Armada. Yeah. And even though it's not the number one sport in the U.S.,

you know, Charles, there are a lot of people watching it. There are a lot of places, breweries, restaurants, where people come together and watch it. And so that's what I will be doing this Sunday. There you go. It's a beautiful thing. Yeah, definitely. If you like soccer, I think that's why a lot of people gravitate here.

It has a good soccer community with light soccer and then all the kids' sports and stuff like that. So it's good also for people who want that for their kids. And UVA typically has a pretty good soccer team. Yes, they do. We turn out a lot of good players. And I think Charlottesville now has a soccer team as well. I think the Seville Blues is the name of it.

I didn't know that. So, yeah, just formed earlier this year, if I'm not mistaken. More to do. More to do and see. Yeah. That's fantastic. That's wonderful. Well, Matthias, it's amazing how 25 minutes always goes by so fast.

But thanks so much for coming on. Absolutely. Look forward to our next one. It's going to be where we will be in the dog days of August. See Absolutely. Look forward to our next one. It's going to be, we'll be in the dawn days of August. See you next month. For the next one. But it'll be even hotter probably. But it's been wonderful.

Really appreciate it as always. And still getting props. People watching Tisha, Tricia Tavolacci, watching the show this morning. Oh, hi, Trish. Yeah, she's up in New York State. Oh, just watching the show this morning. Oh, hi Trish. She's up in New York State. Oh, just watching from New York State.

Thanks for tuning in. It's cooler weather out there. Absolutely. And then John Borton watching the show this morning. So thank you so much everyone for tuning in and joining us. It's been a great show. Thank you, Xavier. Thank you. It's always fun. Always good. Always great to have Judah behind the camera, making us look good. We may see you, I think, in a great show. Thank you, Xavier. Thank you. It's always fun. Always good. Always great to have Judah behind the camera, making us look good.

We may see you, I think, in a couple weeks. Correct. Or actually, no. A few weeks. So, for two weeks. Yeah, we're going to be a little break. Different people on vacation. But yeah, the first week of August, Michael and I will be hosting. You'll be back. That's right.

So, we can look forward to that. So, my hasta mañana will be like hasta una semana. Hasta a few mañanas. Hasta a few mañanas. But look forward to seeing everyone then. Of course, thank you to Emergent Financial Services for presenting. Thanks to our wonderful partners, Mattia Sion Realty, Credit Series Insurance, Charlottesville Opera, Forward Adelante. Thank you all for tuning in for all the great comments and questions we had today.

I really appreciate everyone who joined us. Ostan Mandirali thanks so much for tuning in as well. Dr. Elizabeth Irby, thanks so much for tuning in. Don't want to leave out anybody who gave us likes and comments. So we appreciate all of that. Especially that doctor. Especially that doctor. That's an important doctor in my life.

So appreciate everyone who tuned in. We look forward to seeing you all in a few weeks. But until that time, as we like to close it out on the show, hasta mañana. Gracias por ver el video.