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Year. We were created in 1897 by a grup of people studying the torah. The mission of our agency comes directly from the torah and this group of individuals took a look and said look at this. It shows in the torah that god tells moses not to charge interest basically to his people. And that its really important not to benefit from another persons troubles. So based on that they decided to make it a reality and they created the acts of loving kindness later became known as the hebrew free loan. They each agreed to donate 25 cents into a pot until they had enough money to make their first loan. And the loans are always still 120 years lawsuiter interest free primarily to members of the Jewish Community the loans are paid back over time. We have an amazing repayment rate, still 120 years lawsuiter. Our repayment late is 99. 75 . Were going to talk about concrete programs and having a few people who will talk in a more personal way how they elevated their own Economic Health and vitality. I

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