Exciting Breakthroughs on Give Now and Pay Later

October 3, 2022      Roger Craver

Back in July we posted What if Donors Could Give More Now and Pay Later? focused on the offering by a new financial tech company B Generous.

In essence the B Generous approach to increasing the size of donor gifts is to offer financing of the total gift,  interest and fee free to the donor over a period of time ranging from 3 to 9 months. The donor doesn’t have to pay any money at the time of the gift and gets a tax deduction for the full  amount at the time of the initial transaction. The charity receives the full amount of the donation immediately, less the B Generous fee ranging from 8% t0 16%. [See the post for more details on B Generous’ approach and offering.]

Response from Agitator readers was mixed,  ranging from positively excited to a negative pronouncement that this is “neo-liberalism at its most craven.”  Many of the comments focused on the fees charged by B Generous and questions about debt forgiveness or debt collection in the case of default. [ All Comments appear at the bottom of the post here.]

Among the comments was a note from the always alert Dan Kirch noting the existence of another new company—Givezy-– that has also entered the give now pay later scene.  I promised to check it out.  Thus, this post.

Givzey:  Quite Different

Givzey, which labels itself as the “first AI-enabled financial technology company” , offers a quite different approach than B Generous when it comes to offering a give now pay later solution.

Founded by the same team of front-line fundraisers who launched and built Gravty, a firm offering a sophisticated range of donor engagement tools, I think they do themselves a disfavor using the label of a fin tech company.

Based on a series of interviews with Givzey’s founder Adam Martel, a deep dive into their offerings and some testing of the platform I’d instead label them a company built by fundraisers who understand the effective use of sophisticated technology for and by fundraisers.

First, I want to summarize Givezy’s current offering, noting where it differs from the B Generous offering I reported on back in July.  Then, I’ll outline some of the ‘coming attractions’ that I uncovered during my interviews.   Reasons I think this company is much more than a “fin tech” outfit.

Givzey’s Current Offering

As you’ll see in a moment, I think  Givzey is far more than a give now pay later outfit.  Some of their developments about to emerge publicly from their product pipeline could shake up the trade –for the better.  But first, a summary of Givezy’s current offering.

  • Rather than a donor feeling the wallet hit of their full donation today, payment for the gift is spread out over four equal payments, without interest, without hidden fees.
  • The nonprofit receives the full gift immediately with no transaction fee.
  • Givezy builds a brand-specific landing/donation page without any additional charge and connects it to the nonprofit’s CRM or database.
  • Givzey makes its money from a low-cost membership or subscription similar to a nonprofit’s purchase of other software.
  • Givzey assumes the risk of nonpayment.  There is no debt collection.

For readers who are right now thinking that all this is too good to be true here’s what I discovered.

  • Givzey uses its team’s long experience with AI and data transfer along with a partnership with iWave to instantly calculate a philanthropic score that also serves as its instant credit check. The donor is not asked for personal information like Social Security Number or other PI.  In short, the donor receives instant approval without any hard or soft credit checks.
  • The only fee the nonprofit pays, in addition to its subscription to the Givezy software, is whatever fee it already pays its payment processor. If the transaction is by ACH there is no fee.
  • The Givezy staff is knowledgeable, helpful, and responsive. We discussed an offer I wanted to make for a client, they offered some suggestions, asked for a link and the next day delivered a ready-to-use, well-designed donation page.

Preview of Givzey’s  New Releases

Customization for Nonprofit Verticals. As I was gathering information for this post Givezy announced a customized give now pay later fundraising solution for faith-based organizations.  Additional customizations for other verticals –animal welfare, for example—will soon be released according to Adam.  (BTW the Givzey Blog is packed with examples of ways in which to apply the give now pay later solution.

Optimizing Asking Amounts. In addition to customization for various nonprofit sectors I was particularly impressed by Givezy’s use of predictive analytics to calculate optimal giving amounts for each donor.  No more of the 1 HPC, 2 HPC stuff (unless of course you want to).  Rather, Givezy will calculate the optimal asking amounts based on the donor’s giving to you and to other organizations.

All this is part of a deep set of public and philanthropic data gleaned instantly from the iWave database and delivered through application of Givezy’s algorithms.

Upsell Acknowledgements.  Because Givzey calculates a Philanthropic Score (“PHILO”, as in credit score’s “FICO” ) for the initial gift, the nonprofit also has the opportunity to do far more than simply acknowledge a gift.  For example, having received a $200 pledge there is an option to thank the donor and indicate that because of his/her long-standing generosity they have the option of upgrading further to a gift of $200, $1,000, $5,000 –also on a give now pay later basis.

As I write this, I can think of dozens of ways this information with its deferred payment application can be used for capital campaigns, mid-level giving programs and many other initiatives.  I’ll keep you posted on some of our experiments.

CRM Transaction Fees.  Continuing on with things new and disruptive on the Givezy drawing board is the plan to provide the technology that will eliminate the current and standard payment processing fees that CRMs collect from Givezy and all other credit card transactions.    I can already hear the gnashing of teeth at the CRMs over their cut of payment fees, but the Givezy team did it while at Gravty and I have no doubt they’ll succeed once again.

Donor base as Credit Card.  I don’t know whether Adam was saving the most intriguing for last in our interview but here’s a blockbuster they’re working on.  Because they can calculate the potential giving of a donor base with great accuracy Givezy is working on offering nonprofits a “credit card” with a line of credit the size of which is based on the likely annual income from that group of donors.  With this in hand an organization could then draw down funds when needed without having to wait for the next round of appeals, renewals, or events.

Some Facts for Doubters

For those in doubt Givezy is offering a risk-free trial where in cases of small organizations with limited budgets they’ll advance some funds to prove to the organization the value of give now pay later. [ Contact either Adam Martel <adam@givezey.com> or Kevin Leahy <kevin@givzey.com>

And for those wondering whether give now pay later will really catch hold in our sector I note the following:

  • If we look to what’s happening in online retail, younger consumers have latched onto buy now pay later solutions as the “the only way they can afford their purchases,” according to the Federal Reserve Bank.
  • Buy now pay later transactions will grow 77.3% this year alone and surpass $100 billion before 2025.
  • In fact, a recent industry survey revealed that the majority of donors are willing to give more, and give more often, if they can make their gift in installments.

What are you planning for your organization?

Roger

16 responses to “Exciting Breakthroughs on Give Now and Pay Later”

  1. With the caveat that I am with a company that provides software to nonprofits and a small part of our business model relates to credit card processing, I wanted to share a few thoughts since this has started cropping up more in some discussion circles.

    The primary question I have is what problem this is solving and for what type of donor as well as what type of nonprofit.

    A few things that I do like about this versus the other company in the sector:

    – subscription model
    – No collections against the donor

    Things that still bug me here:

    – I am continually baffled by the focus on small dollar donors here. The issue for small donors is not that they don’t want to give a bunch of money up front; they are more comfortable to give a small amount and are perfectly fine spreading it out on a credit card. Their issue is a crappy relationship with the non-profit afterwards and then they don’t want to give any more. So locking folks into some sort of payment plan isn’t exactly ideal for this segment
    – The fees thing is also something that I’m just curious who actually has the problem. If we look at the hard data on donor fee coverage, large amounts of donors (upwards to 80%/90% in our data set alone) are perfectly fine clicking that box and covering the fee for credit cards. So this does not appear to be a donor driven problem.
    – The tax implications. Long and short is that I do not think it is accurate to state that this is 100% tax deductible with no questions asked. This question got posed to several accountants on tax Twitter and they were not exactly in agreement that this is fully tax deductible.
    – which again brings back the question of who is this for. Small dollar donors basically don’t care about tax deductions. If this was framed as a way to unlock major donor investments towards something like a capital campaign, where $50,000 or something like that could immediately go toward the project, that is super exciting to me. But it hasn’t been framed thus far in these conversations this way

    I’m going to continue to keep an open mind here and again feel that this approach is a little bit better, but Fintech for Fintech sake doesn’t need to be introduced into our sector. I think it is well worth noting that there are several regulatory investigations that are starting to occur because of how Buy Now Pay later ends up impacting the folks who use it, especially those in underrepresented communities.

    We absolutely need creative solutions and new ideas as generosity evolves. But layering in yet another set of payment reconciliation when we as a sector cannot properly give the basics of donor management and stewardship to 97% of the sector effectively is where I get lost.

    My job is to keep on top of these trends, but ultimately I don’t make product decisions, I do know however that things need to be easy and clear and transparent and that is what I will continue to advocate for.

    Many thanks for the spotlight on this and it gives me a lot to think about, especially since I planned on writing about this topic later this month. I’ll plan on citing this.

  2. Great discussion Roger, thanks Dan and Tim as well.

    I too have been doing some research on this, obviously especially focused on recurring giving and I’m working on some more indepth blog about this as well.

    I worry because so many organizations are not even offering the recurring giving option as much as they could be or as well as they could be so now they have to worry about yet another thing?

    What BGenerous and Givzey are offering are in essence pledges with an end date. BGenerous with 9 months max, Givzey with 4 months max. That is different from a recurring gift that keeps on going, no end date in sight unless the donor wants to stop or change their gift.

    What concerns me with BGenerous are indeed the large fees and the fact that the organization could potentially be putting a ‘collections’ agency on to the donor. The relationship with the organization is gone at that point and yes, BGenerous may be saying that this is written off if the donor doesn’t end up paying all of their installments but still, I get a very uncomfortable feeling in my stomach about this.

    What concerns me is that if a donor cannot make a big gift and has to go into ‘debt’ to do it, they should not be donating.

    And if a donor wants the full tax deduction and has at least $5,000, they would be better off setting up a donor advised fund and they can make recurring gifts from there, with or without an end date.

    To your point Tim, most small donors do not care about the tax-deduction, they want to help in a way that’s most comfortable (and perhaps I should now add SAFE) for them. If a donor wants to make a small gift, they can do so as a recurring gift, as little as $5 or $10 a month. They’ll become engaged with the organization, they’ll become part of a community and it’s not about the transaction, it’s about building the relationship and making an ongoing investment into the success of the organization.

    If a donor wants to give $1,000, he or she can do this at $85 a month, spread out over 12 months. If they want to put that on a credit card, great, if they’d like to do this from their bank account, even better.

    I agree with Roger that Givzey seems more above board, smaller amounts, has a shorter time frame, no fees, fewer installments, lower amounts and is looking more at midlevel donors than small donors. Givzey appears to leave the relationship with the organization, so there may be a place for it, although it’s going to be essential to convert those 4 installment folks to ongoing supporters ideally.

    I’m awaiting some additional research about the tax deductibility aspect of it as well so more to come…
    And I am concerned about the number of people who is going into debt now to pay for their home, to pay for food and daily essentials.

    As a nonprofit, I should be comfortable with a widows mite and know that if the widow could do more, that they would without putting themselves into debt to do it.

    I think right now, especially with the Mastercard regulations, it’s extremely important that nonprofits are transparent and know the full process and ins and outs of their recurring gifts and existing pledges (as so many pledges are not followed up on correctly right now), the results of their efforts and focus on the basics, the stewardship of their donors. So much is still falling through the cracks.
    And be careful in considering who owns the relationship with the donors… you the nonprofit or somebody else?

    more to come for sure…

    • Colleen G. says:

      I was curious about why you seemed hostile to this way of giving since I think it is pretty cool and it worked well for my nonprofit and then I looked you up and saw you wrote a book about how to incentivize monthly giving for donors, and since Donate Now, Pay Later is a direct competitor to that I now understand why you are so against it. You are entitled to your own opinion but you are incredibly biased on this subject so I think if we are being fair to B Generous and Givzey then we should be honest about our motivations here. You wrote an entire book on monthly giving and promoted it on Bonterra and a bunch of other sites so its in your best interest for folks to not use Donate Now, Pay Later and instead give monthly, but as a nonprofit executive I can tell you that there are significant benefits to using these services, most all getting the money upfront and not having to worry about chasing donors down for pledge defaults, monthly cancellations etc. Lets please be candid about our motivations before we post comments on here that are inaccurate.

      • great discussion. To clarify, I just wanted to express caution and focus on due diligence as there are still uncertainties in many fronts. When a donor gives through Bgenerous or Givzey, those are pledges with an end date and they are different relationships than with recurring donors without end date.

        I have written two books and numerous blogs and presentations, not to make money, but as part of my life’s legacy to help nonprofits understand the importance of sustainable revenue through recurring gifts with the help from small donors because they can afford it and want to. These are simply great ongoing relationships for nonprofits to have and they lead to bigger legacy gifts ultimately. If the future holds that we have even more buttons on a giving form, give now, give monthly and give now, pay later, I’m all for it, but let’s do some due diligence first… too much uncertainty still with this. so let’s keep this conversation open, honest and going.

  3. Jay B Love says:

    Great article weighing both the pros and cons as only you can do, especially with the help of those leaving comments too! 🙂

    As you know, I have been a good friend of Adam since his very early days at Gravyty and I know he has the best interest of the both the donor and the nonprofit at heart. His team’s previous breakthroughs led to so many new and exciting ways to build relationships, not only with major donors, but also with entry level and mid-level donors.

    This is where I believe the secret sauce is here. Most small and midsize nonprofits have no idea which entry level and mid-level donors are potential game changing major donors. If this unlocks even 10-20% of those for smaller nonprofits and encourages recurring gifts then new level of growth in giving just might occur.

    Mark my word this will happen just like acquiring nonprofit related technology moved from large upfront capital expenditures to subscription services. Subscription based services happened even though every single technology vendor told me I was crazy for starting a subscription based/Internet based technology platform back in 1999.

    I wish I had an iPhone back then so I could have made a few videos of those conversations at some nonprofit conferences in 1999 and 2000!

  4. Dan Kirsch says:

    Thanks, Roger, for an informative post from your interview with Givzey’s entry in the PhilTech market (and for the hat tip).

    Tim and Erica have done an excellent job covering the important considerations – concerns and potential. I remain mystified about the promise to provide a tax receipt before a donor has parted with a penny.

    And for those concerned about marketing debt-driven giving especially to younger donors, this testimonial on the B Generous website may not help: “Using Donate Now Pay Later was amazing, they basically gave me free money to give to my nonprofit, what a cool service.”

    Jay’s comment also reminds me that both B Generous and Givzey have founders with previous start-up experience that attracted significant venture funding and were acquired or merged. VCs are betting on founders’ track records as much as the potential of their PhilTech products.

    For those interested, here’s the back story on Givzey’s founder’s previous start-up and VC relationship as well as the origin story of Givzey. https://podcasts.apple.com/us/podcast/adam-martel-and-christopher-mirabile-gravyty-exits/id1180248689?i=1000551965450

    Cheers,
    Dan

  5. Dorothee S says:

    I’ve also evaluated both Givzey and B Generous. Similar, but different–in the same way Afterpay and Affirm are both Buy Now, Pay Later service, but go after different parts of the market. Givzey is going after the low-end of the market, smaller donations for a shorter period of time a la Afterpay. B Generous is offering longer payment terms and going after the mid-higher-end of the market, which is a bigger problem for NPOs.

    But I’m more concerned about Givzey’s ability to sustain long-term when I looked into their model v B Generous. B Generous has raised nearly $10mm, has a lending partner, and a business model that is financially viable. Givzey seems to have raised less than $1mm, has no lending partner, and doesn’t seem to charge much for their service. I’m not sure how that lasts over the long run or how it’s even legal to lend out money without being a regulated bank, non-bank-lender or without having an agreement with a lending partner? I want to only work with those that have taken the virtuous path and will be there tomorrow.

  6. Marin Edwards says:

    interesting discussion – I don’t know much about these companies but I do know a lot about finances as an angel investor. If Givzey do not charge the nonprofits anything except for what you call a low membership fee and they don’t have any collection polices then I do not see how this business is sustainable. Interest rates are rising and default rates are rising – so for any company claiming to be offering a free lunch I would say buyer, or in this case, nonprofit beware. From what was written in the article there is no way Givzey has a viable business model.

  7. Samuel L. says:

    There is a lot of misinformation in this article. I have actually used both of these services as a donor so I am happy to correct the inaccuracies and speak from personal experience. I have also my own nonprofit which now uses one of these services so I can speak to that as well. My candid thoughts below:

    1. Givzey told me there was a 7.5% transaction fee when I donated, don’t know if they ever took this our or not but that is what they told me

    2. My friend who runs a nonprofit in New York tried to sign up to use Givzey but they never got back to her, after numerous tries she gave up, my friend run a $4M per year organization so not sure what happened there or why they blew her off

    3. I did a sales call with Givzey about my own nonprofit and how I can use this but the woman I spoke with literally could not answer any basic questions about Givzey like whose money they are lending, what is the payback period, what happens if a donor doesn’t pay? Are they able to lend in all states and to all donors? etc. These are basic questions that I need to know before I could consider using this service and she literally had no idea how to answer them and then once again she ignored me when I followed up, I have no idea what is going on there but things are not buttoned up and I was unable to get any answers from them and my friend had the same experience. I still don’t understand whose money they are lending, what their collections process is (they don’t just let donors cancel their loans) or even what fees are charged and can anyone use this? Are there max donation limits? My understanding is also that Givzey charges a hefty monthly subscription fee ($500) from what I can tell, so hypothetically if you raise $2,000 on Givzey then the nonprofit is effectively paying a 25% fee which is insane!!!!! This needs to be made clear to the donors and nonprofits. If a nonprofit integrated this and raised no money they are then paying a 500% fee, which is even crazier. Charging subscription fees on an unproven model is a bad idea and is risky for nonprofits in my opinion.

    4. Lastly, Givzey offers donors a repayment period of less than 4 months from what I can see, which is fine but I would like to see them offer similar payback periods like B Generous which are much longer and more attractive to the donor.

    In terms of B Generous, here was my experience so far, both the good and the bad

    1. B Generous is much more buttoned up for sure, all transparent information is on their website, I understood right away who there lender is (e.g. whose money they are lending), I understand clearly what fees they charge as well, which is 4% – 10% per donor transaction which is not bad.

    2, B Generous does not charge a subscription fee to the donor so its free to sign up which I did and they did not charge me anything

    3. B Generous sales people were very knowledgeable about their company and product, and it was night a day talking to them vs. Givzey, whose sales woman literally could not or would not answer any basic questions about their company

    4. I understand B Generous has over $100M to lend which it states in many of their press article, but I have no idea how much money Givzey can lend, for example if my donor wants to donate $100K, can Givzey process this donation? Its not clear to me because they would not answer these questions when I asked them.

    5. B Generous offers substantially longer repayment periods than Givzey for the donor which for my donors was much better. I would much rather tell my donors they can pay this over 9 months which B Generous offers, rather than 2 months like Givzey offers. We get the money up front either way but the donor is more likely to give more if they can pay it back over a longer period of time of course.

    5. The negatives for B Generous in my opinion are:

    A) their pricing has changed a few times, it started at 15%+ and they lowered it to a variable rate now of 4%-10% which is much better but it was still a change

    B) They dont show on their website what clients they are working with so its hard to know if they have hundreds of clients or scores of clients etc.

    C) They are somewhat new, only 2 years into the market

    D) I don’t know what capabilities they have to integrate into CRMs but their salespeople told me they can connect to Salesforce and BlackBaud’s CRM systems but I cant verify that personally yet

    Overall I have used both services and can fairly objectively say that B Generous was better for the reasons stated above.

    If helpful anyone can reach out to me at samlingast@gmail.com to chat more about this. I am happy to talk!

  8. Sarah Hablee says:

    These are very different products, I have spoken to both companies but haven’t signed up yet, from what I can tell B Generous offers a lot more capability like campaigns, custom integrations, matching capital campaigns, custom tax receipts, customer service for donors, longer payment periods, no hard collections process etc. From what I can tell Givzey does not offer campaigns, donation ladders, any form of customer service, custom integrations or custom tax receipts etc. Also I asked Givzey some basic questions that they were unwilling to answer like whose money they are lending, what is the max a donor can give, what happens if a donor stops making a payment, and they didn’t answer any of my questions which leads to believe they either don’t know or don’t have an answer which was concerning. Also B Generous claims they offer a customer success team to help nonprofits maximize their product, but with Givzey I was barely able to even get an answer from them on basic questions about their company and tech. Just my 2 cents.

  9. Jorge Marshal says:

    I have used B Generous, it was a good service and I was impressed with their tech and my donors did indeed give me, I cannot speak to Givzey as I haven’t used it.

  10. Dan Kirsch says:

    I don’t recall a more animated and informative exchange here in a long time. FWIW, it does seem one company is better than the other at activating its network of allies (clients or investors or employees, sometimes it’s hard to tell) here and on LinkedIn.

    And while I strongly disagree with Colleen G’s interpretation of Erica’s input as “hostile” or driven by self-interest (not the Erica I have known), I fully concur about Collen G’s call for candor about our motivations. Hoping that includes people willing to fully share their real full names/affiliations when they post here.

    Cheers!

    Dan

  11. Adam martel says:

    Unfortunately, there seems to be a lot of misinformation in these comments. For example, please see the recent email exchange below with the commenter, Sam Lingast. Not only hasn’t Sam used our services (we have no record of a gift from him and we do not currently offer donors the ability to make gifts without a partnership with the nonprofit first) but he hasn’t yet seen a demo as, ironically, at 3:29am this morning he confirmed his first demo which we now have scheduled for next Wednesday at 2:00pm ET. He was obviously mistaken in his comments.

    As we all know, nonprofits are doing some of the most important work with the world’s most vulnerable communities and populations. With so many NPOs making a difference in people’s lives, there is plenty of space for many companies to serve and impact these critical organizations. Fintech solutions like Give Now Pay Later are so new to our space and my hope is that any company working to provide these flexible giving options will focus all of their time and attention on getting the solutions right for donors. The work we’re doing matters and building a donor-focused fundraising company is the very best way for any company in our space to make a difference. We are rooting for both companies to be successful as the space is big enough, the need is great and, if we get this right, the impact we can make on people’s lives can truly be world-changing.

    Finally, I’d like to invite Dominic, the CEO of BGenerous, and anyone from his team to join me for a webinar in the next couple of weeks where we can openly discuss the similarities and differences in how our teams and our companies are approaching and building our Give Now Pay Later solutions. Roger, maybe you would be willing to moderate?

    It’s never been more important to be transparent, honest and truthful and we look forward to having an open conversation about GNPL and the future of fundraising.

    Adam Martel
    CEO, Givzey
    adam@givzey.com

    ————————————

    On Oct 7, 2022, at 3:28 AM, Sam Lingast wrote:
    Thank you Emily, yes, that works for me. I look forward to speaking with you both then. There is a chance I may be in the car but the timing works well as it should be quiet. Please send the calendar invite and I will speak with you soon!

    On Thu, Oct 6, 2022 at 6:46 AM Emily wrote:
    Hi Sam,

    Great to meet you as well!  On Wednesday, Adam and I are both free in the afternoon.  Does 2:00 p.m. ET work for you?  Please let me know and I’ll send over a calendar invite and link. 

    Looking forward to connecting! 

    Best,
    Emily

    On Thu, Oct 6, 2022 at 12:39 AM Sam Lingast wrote:
    Thank you Adam, that sounds good. Nice to meet you Emily. I can be available next week if you have time. I am free on Monday or Wednesday, I will be in New York on Eastern Standard Time. I will see if my development officer can join as well. Would either of those days work for you? 

    On Wed, Oct 5, 2022 at 2:18 PM Adam Martel wrote:
    Hi Sam,

    Thanks so much for the response and no worries at all. Yes we are live and we’d be happy to set up a quick call to learn more about your end of year campaign and your Giving Tuesday campaign and discuss whether we might be able to help.

    I’m also including my colleague Emily who is a long-time fundraiser and will be able work with us to discuss specific use cases of Give Now Pay Later.

    Please let me know when you and your Development Officer might be free and we’ll look forward to our converastion together.

    Adam


    Adam Martel
    (978) 869-0930
    CEO | Givzey

    On Oct 5, 2022, at 4:38 PM, Sam Lingast wrote:

    Adam,
    Thanks for reaching out, sorry for the late reply, I was traveling and then was sick but I am still interested in learning more. Are you guys live? Anywhere I can see an example of your give now, pay later solution or a page when I can do a test donation transaction? We raise about $11M per year and are looking to do an end of year capital campaign for Giving Tuesday and I thought that your solution would be good to integrate. Would like to set up a call with you and our Development Officer as well. Thank you.
    Regards, 
    Sam

    On Wed, Aug 17, 2022 at 5:25 PM Adam Martel wrote:
    Hi Samuel,

    Thanks som much for being in touch with our team here at Givzey. Please let me know when you are free for a 15 minute call in the next few days as I’d be happy to learn more about Climate Action Now 2022 and tell you a bit more about our work at Givzey. 

    Thanks,
    Adam

    Adam Martel
    (978) 869-0930
    CEO | Givzey

  12. Roger Craver says:

    Thank you Everyone and Thank You Adam for your suggestion of a discussion/webinar.

    We’ll get in touch with the various companies and organize an Understand Now, Decide Later webinar.