{"version":"1.0.0","segments":[{"speaker":"Jim","startTime":6.39,"endTime":9.3,"body":"Welcome to a Seeds of"},{"speaker":"Jim","startTime":6.39,"endTime":9.3,"body":"Wellbeing \"Experts in the Field\""},{"speaker":"Jim","startTime":9.3,"endTime":12.6,"body":"podcast featuring people working"},{"speaker":"Jim","startTime":9.3,"endTime":12.6,"body":"in their fields of expertise to"},{"speaker":"Jim","startTime":12.6,"endTime":15.99,"body":"provide support for agriculture"},{"speaker":"Jim","startTime":12.6,"endTime":15.99,"body":"producers in Hawaii, in the"},{"speaker":"Jim","startTime":15.99,"endTime":19.68,"body":"United States, and in some cases"},{"speaker":"Jim","startTime":15.99,"endTime":19.68,"body":"around the world. These podcasts"},{"speaker":"Jim","startTime":19.68,"endTime":22.5,"body":"are made possible by a grant"},{"speaker":"Jim","startTime":19.68,"endTime":22.5,"body":"from the University of Hawaii"},{"speaker":"Jim","startTime":22.59,"endTime":25.83,"body":"College of Tropical Agriculture"},{"speaker":"Jim","startTime":22.59,"endTime":25.83,"body":"and Human Resources, also known"},{"speaker":"Jim","startTime":25.83,"endTime":30.03,"body":"as CTAHR, and the Seeds of"},{"speaker":"Jim","startTime":25.83,"endTime":30.03,"body":"Wellbeing or SOW project, and is"},{"speaker":"Jim","startTime":30.03,"endTime":32.76,"body":"supported by a grant from the US"},{"speaker":"Jim","startTime":30.03,"endTime":32.76,"body":"Department of Agriculture,"},{"speaker":"Jim","startTime":33.0,"endTime":36.42,"body":"National Institute of Food and"},{"speaker":"Jim","startTime":33.0,"endTime":36.42,"body":"Agriculture, and the Hawaii"},{"speaker":"Jim","startTime":36.42,"endTime":37.8,"body":"Department of Agriculture."},{"speaker":"Eric Bowman","startTime":39.19,"endTime":42.16,"body":"And when you know,"},{"speaker":"Eric Bowman","startTime":39.19,"endTime":42.16,"body":"right what I tell farmers is if"},{"speaker":"Eric Bowman","startTime":42.16,"endTime":44.29,"body":"they're trying to raise money,"},{"speaker":"Eric Bowman","startTime":42.16,"endTime":44.29,"body":"or they're feeling stuck, or"},{"speaker":"Eric Bowman","startTime":44.29,"endTime":46.99,"body":"they don't know where to go, or"},{"speaker":"Eric Bowman","startTime":44.29,"endTime":46.99,"body":"they don't know when, that what"},{"speaker":"Eric Bowman","startTime":46.99,"endTime":49.24,"body":"their next steps might be to"},{"speaker":"Eric Bowman","startTime":46.99,"endTime":49.24,"body":"raise money, this give me a call"},{"speaker":"Eric Bowman","startTime":49.24,"endTime":50.08,"body":"and we'll talk it through."},{"speaker":"Jim","startTime":50.75,"endTime":53.66,"body":"In this episode, we speak"},{"speaker":"Jim","startTime":50.75,"endTime":53.66,"body":"with Eric Bowman from the Kohala"},{"speaker":"Jim","startTime":53.66,"endTime":57.77,"body":"Center in Waimea on the Big"},{"speaker":"Jim","startTime":53.66,"endTime":57.77,"body":"Island of Hawaii. Eric works"},{"speaker":"Jim","startTime":57.77,"endTime":60.83,"body":"with ag producers on all the"},{"speaker":"Jim","startTime":57.77,"endTime":60.83,"body":"islands to help secure funding"},{"speaker":"Jim","startTime":60.83,"endTime":64.76,"body":"needed to start and maintain"},{"speaker":"Jim","startTime":60.83,"endTime":64.76,"body":"their farm or ranch. In this"},{"speaker":"Jim","startTime":64.76,"endTime":67.61,"body":"discussion, we focus on options"},{"speaker":"Jim","startTime":64.76,"endTime":67.61,"body":"for micro loans through"},{"speaker":"Jim","startTime":67.61,"endTime":70.94,"body":"crowdfunding, and grants that"},{"speaker":"Jim","startTime":67.61,"endTime":70.94,"body":"are available from the Natural"},{"speaker":"Jim","startTime":70.94,"endTime":77.51,"body":"Resource Conservation Service or"},{"speaker":"Jim","startTime":70.94,"endTime":77.51,"body":"NRCS. The views information or"},{"speaker":"Jim","startTime":77.51,"endTime":80.45,"body":"opinions expressed in this"},{"speaker":"Jim","startTime":77.51,"endTime":80.45,"body":"episode are solely those of"},{"speaker":"Jim","startTime":80.45,"endTime":83.96,"body":"individuals involved and do not"},{"speaker":"Jim","startTime":80.45,"endTime":83.96,"body":"necessarily represent those of"},{"speaker":"Jim","startTime":83.96,"endTime":87.14,"body":"the University of Hawaii College"},{"speaker":"Jim","startTime":83.96,"endTime":87.14,"body":"of Tropical Agriculture and"},{"speaker":"Jim","startTime":87.14,"endTime":90.68,"body":"Human Resources, our funders, or"},{"speaker":"Jim","startTime":87.14,"endTime":90.68,"body":"any of the organizations"},{"speaker":"Jim","startTime":90.68,"endTime":95.03,"body":"affiliated with this project."},{"speaker":"Jim","startTime":90.68,"endTime":95.03,"body":"Now, let's hear more from Eric."},{"speaker":"Eric Bowman","startTime":95.72,"endTime":98.72,"body":"I think one of the"},{"speaker":"Eric Bowman","startTime":95.72,"endTime":98.72,"body":"success metrics in my job is"},{"speaker":"Eric Bowman","startTime":98.72,"endTime":102.8,"body":"helping people access resources."},{"speaker":"Eric Bowman","startTime":98.72,"endTime":102.8,"body":"Iʻm at the Kohala Center"},{"speaker":"Eric Bowman","startTime":102.86,"endTime":106.37,"body":"currently, and where I've been"},{"speaker":"Eric Bowman","startTime":102.86,"endTime":106.37,"body":"for the just over the past four"},{"speaker":"Eric Bowman","startTime":106.37,"endTime":110.63,"body":"years, and they brought me on to"},{"speaker":"Eric Bowman","startTime":106.37,"endTime":110.63,"body":"manage their two microloan"},{"speaker":"Eric Bowman","startTime":110.63,"endTime":113.72,"body":"programs, one of which is in"},{"speaker":"Eric Bowman","startTime":110.63,"endTime":113.72,"body":"house and one of which is Kiva -"},{"speaker":"Eric Bowman","startTime":114.47,"endTime":119.66,"body":"is on Kiva. And really to focus"},{"speaker":"Eric Bowman","startTime":114.47,"endTime":119.66,"body":"on debt debt financing, I'm part"},{"speaker":"Eric Bowman","startTime":119.66,"endTime":122.42,"body":"of a broader team that works to"},{"speaker":"Eric Bowman","startTime":119.66,"endTime":122.42,"body":"bring resources into AG,"},{"speaker":"Eric Bowman","startTime":122.42,"endTime":126.68,"body":"including educational and then"},{"speaker":"Eric Bowman","startTime":122.42,"endTime":126.68,"body":"grant primarily through the Farm"},{"speaker":"Eric Bowman","startTime":126.68,"endTime":129.23,"body":"Bill program. Speaking about"},{"speaker":"Eric Bowman","startTime":126.68,"endTime":129.23,"body":"like debt financing. In general,"},{"speaker":"Eric Bowman","startTime":129.23,"endTime":131.27,"body":"I think there's like a ladder"},{"speaker":"Eric Bowman","startTime":129.23,"endTime":131.27,"body":"and some people have longer"},{"speaker":"Eric Bowman","startTime":131.27,"endTime":133.58,"body":"legs, and they don't need the"},{"speaker":"Eric Bowman","startTime":131.27,"endTime":133.58,"body":"lower rungs, they can just step"},{"speaker":"Eric Bowman","startTime":133.58,"endTime":136.7,"body":"right up. But you know, a lot of"},{"speaker":"Eric Bowman","startTime":133.58,"endTime":136.7,"body":"a lot of farmers are stepping"},{"speaker":"Eric Bowman","startTime":136.7,"endTime":140.36,"body":"into agriculture is very"},{"speaker":"Eric Bowman","startTime":136.7,"endTime":140.36,"body":"resource and very resource"},{"speaker":"Eric Bowman","startTime":140.36,"endTime":144.98,"body":"intensive, capital intensive,"},{"speaker":"Eric Bowman","startTime":140.36,"endTime":144.98,"body":"right, like takes land, you're,"},{"speaker":"Eric Bowman","startTime":145.01,"endTime":148.7,"body":"you're investing resources to"},{"speaker":"Eric Bowman","startTime":145.01,"endTime":148.7,"body":"build super long term"},{"speaker":"Eric Bowman","startTime":148.7,"endTime":151.64,"body":"infrastructure, like barns,"},{"speaker":"Eric Bowman","startTime":148.7,"endTime":151.64,"body":"equipment, fencing, and then"},{"speaker":"Eric Bowman","startTime":151.64,"endTime":154.52,"body":"you're going to put in crops,"},{"speaker":"Eric Bowman","startTime":151.64,"endTime":154.52,"body":"whether they're, you know, just"},{"speaker":"Eric Bowman","startTime":154.52,"endTime":156.38,"body":"take coffee, you're not going to"},{"speaker":"Eric Bowman","startTime":154.52,"endTime":156.38,"body":"get any revenue for three to"},{"speaker":"Eric Bowman","startTime":156.38,"endTime":159.32,"body":"five years. If you're doing"},{"speaker":"Eric Bowman","startTime":156.38,"endTime":159.32,"body":"field crops, even then you're"},{"speaker":"Eric Bowman","startTime":159.32,"endTime":161.6,"body":"looking at six, nine months"},{"speaker":"Eric Bowman","startTime":159.32,"endTime":161.6,"body":"until you're you're starting to"},{"speaker":"Eric Bowman","startTime":161.6,"endTime":166.34,"body":"really pull, it takes a lot of"},{"speaker":"Eric Bowman","startTime":161.6,"endTime":166.34,"body":"money, right? Frequently that"},{"speaker":"Eric Bowman","startTime":166.34,"endTime":168.5,"body":"money is inherited, just let's"},{"speaker":"Eric Bowman","startTime":166.34,"endTime":168.5,"body":"be frank about agriculture in"},{"speaker":"Eric Bowman","startTime":168.5,"endTime":172.73,"body":"general, that's, you know, maybe"},{"speaker":"Eric Bowman","startTime":168.5,"endTime":172.73,"body":"I think what's unique about"},{"speaker":"Eric Bowman","startTime":172.73,"endTime":178.7,"body":"Hawaii is that our agricultural"},{"speaker":"Eric Bowman","startTime":172.73,"endTime":178.7,"body":"sector is I consider post"},{"speaker":"Eric Bowman","startTime":178.7,"endTime":185.18,"body":"apocalyptic, twice. You know,"},{"speaker":"Eric Bowman","startTime":178.7,"endTime":185.18,"body":"there was colonization and the"},{"speaker":"Eric Bowman","startTime":185.18,"endTime":188.36,"body":"destruction of an indigenous"},{"speaker":"Eric Bowman","startTime":185.18,"endTime":188.36,"body":"cropping system and replace that"},{"speaker":"Eric Bowman","startTime":188.36,"endTime":195.2,"body":"with almost a feudal plantation"},{"speaker":"Eric Bowman","startTime":188.36,"endTime":195.2,"body":"system, and then that collapsed"},{"speaker":"Eric Bowman","startTime":195.23,"endTime":199.22,"body":"recently, you know, a few"},{"speaker":"Eric Bowman","startTime":195.23,"endTime":199.22,"body":"decades ago. I, my personal"},{"speaker":"Eric Bowman","startTime":199.22,"endTime":202.46,"body":"background is I moved here from"},{"speaker":"Eric Bowman","startTime":199.22,"endTime":202.46,"body":"Washington State where, you"},{"speaker":"Eric Bowman","startTime":202.46,"endTime":205.28,"body":"know, you would see these large"},{"speaker":"Eric Bowman","startTime":202.46,"endTime":205.28,"body":"family on farms, but it was"},{"speaker":"Eric Bowman","startTime":205.28,"endTime":208.25,"body":"still like, you know, great"},{"speaker":"Eric Bowman","startTime":205.28,"endTime":208.25,"body":"grandfather got the property"},{"speaker":"Eric Bowman","startTime":208.25,"endTime":210.74,"body":"and, you know, homesteaded it,"},{"speaker":"Eric Bowman","startTime":208.25,"endTime":210.74,"body":"and then grandfather, and he put"},{"speaker":"Eric Bowman","startTime":210.74,"endTime":214.31,"body":"in the orchard and the barns and"},{"speaker":"Eric Bowman","startTime":210.74,"endTime":214.31,"body":"then, you know, Dad, you know,"},{"speaker":"Eric Bowman","startTime":214.31,"endTime":217.04,"body":"while I was off to college, he"},{"speaker":"Eric Bowman","startTime":214.31,"endTime":217.04,"body":"really got us into, you know,"},{"speaker":"Eric Bowman","startTime":217.34,"endTime":220.1,"body":"good genetics and artificial"},{"speaker":"Eric Bowman","startTime":217.34,"endTime":220.1,"body":"insemination, and then we join"},{"speaker":"Eric Bowman","startTime":220.1,"endTime":223.91,"body":"this larger system, and then,"},{"speaker":"Eric Bowman","startTime":220.1,"endTime":223.91,"body":"you know, now, you know, the son"},{"speaker":"Eric Bowman","startTime":223.91,"endTime":225.98,"body":"or whatever is arriving, you"},{"speaker":"Eric Bowman","startTime":223.91,"endTime":225.98,"body":"know, they've been at this for"},{"speaker":"Eric Bowman","startTime":225.98,"endTime":228.77,"body":"century, right, with all this"},{"speaker":"Eric Bowman","startTime":225.98,"endTime":228.77,"body":"momentum and infrastructure. And"},{"speaker":"Eric Bowman","startTime":228.77,"endTime":233.48,"body":"a lot of people coming into ag"},{"speaker":"Eric Bowman","startTime":228.77,"endTime":233.48,"body":"they in Hawaii, they're just it"},{"speaker":"Eric Bowman","startTime":233.48,"endTime":236.3,"body":"was plantation land at went"},{"speaker":"Eric Bowman","startTime":233.48,"endTime":236.3,"body":"fallow, and then they're coming"},{"speaker":"Eric Bowman","startTime":236.3,"endTime":241.4,"body":"in either older, without a long"},{"speaker":"Eric Bowman","startTime":236.3,"endTime":241.4,"body":"runway, or and a succession"},{"speaker":"Eric Bowman","startTime":241.4,"endTime":248.39,"body":"plan, or younger without a lot"},{"speaker":"Eric Bowman","startTime":241.4,"endTime":248.39,"body":"of assets under them. So the, I"},{"speaker":"Eric Bowman","startTime":248.39,"endTime":251.57,"body":"think there's, so they come in"},{"speaker":"Eric Bowman","startTime":248.39,"endTime":251.57,"body":"with their equity, right,"},{"speaker":"Eric Bowman","startTime":251.72,"endTime":255.86,"body":"whatever that might be, and"},{"speaker":"Eric Bowman","startTime":251.72,"endTime":255.86,"body":"then, you know, you got to bring"},{"speaker":"Eric Bowman","startTime":255.86,"endTime":259.79,"body":"the money or you got to borrow"},{"speaker":"Eric Bowman","startTime":255.86,"endTime":259.79,"body":"the money. So, the Kohala Center"},{"speaker":"Eric Bowman","startTime":259.79,"endTime":266.54,"body":"has us focused on the sort of"},{"speaker":"Eric Bowman","startTime":259.79,"endTime":266.54,"body":"more of those vulnerable or"},{"speaker":"Eric Bowman","startTime":266.54,"endTime":272.93,"body":"disadvantaged producers who"},{"speaker":"Eric Bowman","startTime":266.54,"endTime":272.93,"body":"maybe you know, $5,000, $10,000,"},{"speaker":"Eric Bowman","startTime":272.96,"endTime":275.45,"body":"you know, $20,000 and below"},{"speaker":"Eric Bowman","startTime":272.96,"endTime":275.45,"body":"would really make a big"},{"speaker":"Eric Bowman","startTime":275.45,"endTime":277.94,"body":"difference. Maybe they're just"},{"speaker":"Eric Bowman","startTime":275.45,"endTime":277.94,"body":"getting their place up and"},{"speaker":"Eric Bowman","startTime":277.94,"endTime":282.41,"body":"running. They need fencing,"},{"speaker":"Eric Bowman","startTime":277.94,"endTime":282.41,"body":"driveway gravel, land clearing"},{"speaker":"Eric Bowman","startTime":283.19,"endTime":288.95,"body":"an initial barn. And then then,"},{"speaker":"Eric Bowman","startTime":283.19,"endTime":288.95,"body":"after that, kind of what I would"},{"speaker":"Eric Bowman","startTime":288.95,"endTime":291.47,"body":"call it microfinance, I would"},{"speaker":"Eric Bowman","startTime":288.95,"endTime":291.47,"body":"say there's like community"},{"speaker":"Eric Bowman","startTime":291.47,"endTime":297.44,"body":"development, finance. Like, you"},{"speaker":"Eric Bowman","startTime":291.47,"endTime":297.44,"body":"know, I know one of your future"},{"speaker":"Eric Bowman","startTime":297.44,"endTime":299.96,"body":"guests is going to be Steward,"},{"speaker":"Eric Bowman","startTime":297.44,"endTime":299.96,"body":"that would be that would be"},{"speaker":"Eric Bowman","startTime":299.96,"endTime":301.97,"body":"examples like one of the"},{"speaker":"Eric Bowman","startTime":299.96,"endTime":301.97,"body":"community development finance,"},{"speaker":"Eric Bowman","startTime":302.12,"endTime":306.32,"body":"Feed The Hunger Fund. And then,"},{"speaker":"Eric Bowman","startTime":302.12,"endTime":306.32,"body":"so that's maybe more like"},{"speaker":"Eric Bowman","startTime":306.86,"endTime":311.96,"body":"$50,000, maybe $20,000 to"},{"speaker":"Eric Bowman","startTime":306.86,"endTime":311.96,"body":"$60,000, that kind of that kind"},{"speaker":"Eric Bowman","startTime":311.96,"endTime":316.58,"body":"of range. And then a little"},{"speaker":"Eric Bowman","startTime":311.96,"endTime":316.58,"body":"farther up the ladder, you"},{"speaker":"Eric Bowman","startTime":316.58,"endTime":320.87,"body":"probably have the USDA, they're"},{"speaker":"Eric Bowman","startTime":316.58,"endTime":320.87,"body":"one of the largest lenders to Ag"},{"speaker":"Eric Bowman","startTime":320.87,"endTime":325.55,"body":"in the state, USDA Farm farm"},{"speaker":"Eric Bowman","startTime":320.87,"endTime":325.55,"body":"loans here in the county. That's"},{"speaker":"Eric Bowman","startTime":325.55,"endTime":330.2,"body":"Jennifer Balderas, and her team."},{"speaker":"Eric Bowman","startTime":325.55,"endTime":330.2,"body":"And then, you know, then getting"},{"speaker":"Eric Bowman","startTime":330.2,"endTime":334.52,"body":"into more traditional route, or"},{"speaker":"Eric Bowman","startTime":330.2,"endTime":334.52,"body":"in commercial finances, Farm"},{"speaker":"Eric Bowman","startTime":334.52,"endTime":338.3,"body":"Credit, which is the Farm Credit"},{"speaker":"Eric Bowman","startTime":334.52,"endTime":338.3,"body":"System here, the division is"},{"speaker":"Eric Bowman","startTime":338.3,"endTime":341.72,"body":"called American Gg Credit. So"},{"speaker":"Eric Bowman","startTime":338.3,"endTime":341.72,"body":"that's Linus Tavares out of"},{"speaker":"Eric Bowman","startTime":341.72,"endTime":344.96,"body":"Hilo, they're the number one"},{"speaker":"Eric Bowman","startTime":341.72,"endTime":344.96,"body":"lender to Ag in the in the"},{"speaker":"Eric Bowman","startTime":344.96,"endTime":345.35,"body":"state."},{"speaker":"Jim","startTime":345.72,"endTime":349.02,"body":"And is that above the $60k"},{"speaker":"Jim","startTime":345.72,"endTime":349.02,"body":"mark or is that in the $20k and"},{"speaker":"Jim","startTime":349.02,"endTime":349.56,"body":"up mark?"},{"speaker":"Eric Bowman","startTime":350.94,"endTime":355.32,"body":"You know, I would"},{"speaker":"Eric Bowman","startTime":350.94,"endTime":355.32,"body":"say, American Ag Credit can do"},{"speaker":"Eric Bowman","startTime":355.32,"endTime":357.09,"body":"almost anything. They can they"},{"speaker":"Eric Bowman","startTime":355.32,"endTime":357.09,"body":"can do small loans, they can,"},{"speaker":"Eric Bowman","startTime":357.09,"endTime":362.52,"body":"you know, they could do a $5,000"},{"speaker":"Eric Bowman","startTime":357.09,"endTime":362.52,"body":"loan to an immigrant papaya"},{"speaker":"Eric Bowman","startTime":362.55,"endTime":366.45,"body":"grower all the way up to"},{"speaker":"Eric Bowman","startTime":362.55,"endTime":366.45,"body":"financing a $10 million coffee"},{"speaker":"Eric Bowman","startTime":366.45,"endTime":371.94,"body":"estate. So they really run the"},{"speaker":"Eric Bowman","startTime":366.45,"endTime":371.94,"body":"gamut. There. And typically, for"},{"speaker":"Eric Bowman","startTime":371.94,"endTime":377.04,"body":"them, they're gonna look at your"},{"speaker":"Eric Bowman","startTime":371.94,"endTime":377.04,"body":"revenue and your income. So if"},{"speaker":"Eric Bowman","startTime":377.04,"endTime":380.34,"body":"you're not strong on that front,"},{"speaker":"Eric Bowman","startTime":377.04,"endTime":380.34,"body":"a lot of times they can refer to"},{"speaker":"Eric Bowman","startTime":380.34,"endTime":386.43,"body":"the USDA. And the USDA has a cap"},{"speaker":"Eric Bowman","startTime":380.34,"endTime":386.43,"body":"of I think it's $600,000. I"},{"speaker":"Eric Bowman","startTime":386.43,"endTime":390.87,"body":"shouldn't don't quote me on"},{"speaker":"Eric Bowman","startTime":386.43,"endTime":390.87,"body":"that. But, you know, that's not"},{"speaker":"Eric Bowman","startTime":390.87,"endTime":392.88,"body":"enough to purchase land in"},{"speaker":"Eric Bowman","startTime":390.87,"endTime":392.88,"body":"Hawaii, right, you know,"},{"speaker":"Eric Bowman","startTime":392.88,"endTime":394.59,"body":"frequently, then you need to,"},{"speaker":"Eric Bowman","startTime":392.88,"endTime":394.59,"body":"you need a some sort of"},{"speaker":"Eric Bowman","startTime":394.59,"endTime":397.74,"body":"combination loan, either with,"},{"speaker":"Eric Bowman","startTime":394.59,"endTime":397.74,"body":"either with Farm Credit, or"},{"speaker":"Eric Bowman","startTime":398.13,"endTime":402.12,"body":"there's a there's a bank on the"},{"speaker":"Eric Bowman","startTime":398.13,"endTime":402.12,"body":"mainland that that will then"},{"speaker":"Eric Bowman","startTime":402.12,"endTime":406.11,"body":"come in on top of a lot of that,"},{"speaker":"Eric Bowman","startTime":402.12,"endTime":406.11,"body":"for like, you know, say the loan"},{"speaker":"Eric Bowman","startTime":406.11,"endTime":408.6,"body":"is like $800,000 to acquire the"},{"speaker":"Eric Bowman","startTime":406.11,"endTime":408.6,"body":"land."},{"speaker":"Jim","startTime":410.77,"endTime":413.26,"body":"Okay, that makes you like,"},{"speaker":"Jim","startTime":410.77,"endTime":413.26,"body":"I've been rambling on there a"},{"speaker":"Jim","startTime":413.26,"endTime":415.99,"body":"little No, no, hadn't yeah? I"},{"speaker":"Jim","startTime":413.26,"endTime":415.99,"body":"wanted to make sure I let you go"},{"speaker":"Jim","startTime":416.62,"endTime":420.34,"body":"because that's kind of the great"},{"speaker":"Jim","startTime":416.62,"endTime":420.34,"body":"spectrum of all the things"},{"speaker":"Jim","startTime":420.34,"endTime":423.76,"body":"available. It sounds like you"},{"speaker":"Jim","startTime":420.34,"endTime":423.76,"body":"just summarized it. Again, Kiva,"},{"speaker":"Jim","startTime":423.76,"endTime":426.37,"body":"just to confirm Kiva is an"},{"speaker":"Jim","startTime":423.76,"endTime":426.37,"body":"online platform?"},{"speaker":"Eric Bowman","startTime":428.04,"endTime":435.09,"body":"Correct. Kiva is a"},{"speaker":"Eric Bowman","startTime":428.04,"endTime":435.09,"body":"it's called peer to peer lending"},{"speaker":"Eric Bowman","startTime":435.12,"endTime":439.68,"body":"or crowd funding. So you I, I"},{"speaker":"Eric Bowman","startTime":435.12,"endTime":439.68,"body":"tell people, if you, you need"},{"speaker":"Eric Bowman","startTime":439.92,"endTime":442.35,"body":"three things, you know, you need"},{"speaker":"Eric Bowman","startTime":439.92,"endTime":442.35,"body":"three things, you need a"},{"speaker":"Eric Bowman","startTime":442.35,"endTime":447.75,"body":"picture, business, and then the"},{"speaker":"Eric Bowman","startTime":442.35,"endTime":447.75,"body":"ability to write a couple"},{"speaker":"Eric Bowman","startTime":447.75,"endTime":452.07,"body":"paragraphs. And those paragraphs"},{"speaker":"Eric Bowman","startTime":447.75,"endTime":452.07,"body":"are one, a little bit about"},{"speaker":"Eric Bowman","startTime":452.07,"endTime":456.3,"body":"yourself; two what's a bit about"},{"speaker":"Eric Bowman","startTime":452.07,"endTime":456.3,"body":"your business, and then; three,"},{"speaker":"Eric Bowman","startTime":456.3,"endTime":458.01,"body":"what are you going to spend the"},{"speaker":"Eric Bowman","startTime":456.3,"endTime":458.01,"body":"money on. So then you get this"},{"speaker":"Eric Bowman","startTime":458.01,"endTime":462.48,"body":"campaign page, and you email,"},{"speaker":"Eric Bowman","startTime":458.01,"endTime":462.48,"body":"there's kind of two, two phases"},{"speaker":"Eric Bowman","startTime":462.48,"endTime":466.29,"body":"to fundraising, you can mail it"},{"speaker":"Eric Bowman","startTime":462.48,"endTime":466.29,"body":"out to your friends and family."},{"speaker":"Eric Bowman","startTime":466.95,"endTime":469.41,"body":"They utilize a concept called"},{"speaker":"Eric Bowman","startTime":466.95,"endTime":469.41,"body":"Social underwriting. So your"},{"speaker":"Eric Bowman","startTime":469.41,"endTime":472.71,"body":"ability to connect with your"},{"speaker":"Eric Bowman","startTime":469.41,"endTime":472.71,"body":"friends and family to"},{"speaker":"Eric Bowman","startTime":472.71,"endTime":477.33,"body":"participate in the loan, and"},{"speaker":"Eric Bowman","startTime":472.71,"endTime":477.33,"body":"they have a target, depending on"},{"speaker":"Eric Bowman","startTime":477.33,"endTime":482.58,"body":"the size alone, maybe it's 6,"},{"speaker":"Eric Bowman","startTime":477.33,"endTime":482.58,"body":"maybe it's 22, but you got to"},{"speaker":"Eric Bowman","startTime":482.58,"endTime":484.98,"body":"hit a certain number of private"},{"speaker":"Eric Bowman","startTime":482.58,"endTime":484.98,"body":"individuals, and then after"},{"speaker":"Eric Bowman","startTime":484.98,"endTime":489.09,"body":"that, then you go public into"},{"speaker":"Eric Bowman","startTime":484.98,"endTime":489.09,"body":"the public fundraising period."},{"speaker":"Eric Bowman","startTime":489.75,"endTime":493.32,"body":"And just an incredible amount of"},{"speaker":"Eric Bowman","startTime":489.75,"endTime":493.32,"body":"money moves through Kiva. I"},{"speaker":"Eric Bowman","startTime":493.32,"endTime":496.14,"body":"mean, they do like $2 to $3"},{"speaker":"Eric Bowman","startTime":493.32,"endTime":496.14,"body":"million a week. There's just"},{"speaker":"Eric Bowman","startTime":496.14,"endTime":499.83,"body":"1000s of 1000s of people who are"},{"speaker":"Eric Bowman","startTime":496.14,"endTime":499.83,"body":"eager to lending to AG primary,"},{"speaker":"Eric Bowman","startTime":499.86,"endTime":502.71,"body":"and I'm sorry, Ag, small"},{"speaker":"Eric Bowman","startTime":499.86,"endTime":502.71,"body":"business owners, primarily it's"},{"speaker":"Eric Bowman","startTime":502.71,"endTime":505.95,"body":"International, the domestic"},{"speaker":"Eric Bowman","startTime":502.71,"endTime":505.95,"body":"lending on Kiva is just a small"},{"speaker":"Eric Bowman","startTime":506.01,"endTime":512.25,"body":"portion of it. But people are"},{"speaker":"Eric Bowman","startTime":506.01,"endTime":512.25,"body":"very eager to participate in, in"},{"speaker":"Eric Bowman","startTime":512.25,"endTime":515.67,"body":"loans in Hawaii. We've, the call"},{"speaker":"Eric Bowman","startTime":512.25,"endTime":515.67,"body":"centerʻs participated in 80"},{"speaker":"Eric Bowman","startTime":515.67,"endTime":519.81,"body":"loans. A goal is to do three a"},{"speaker":"Eric Bowman","startTime":515.67,"endTime":519.81,"body":"month. Last year, we did over"},{"speaker":"Eric Bowman","startTime":519.81,"endTime":526.47,"body":"two a month. And these loans"},{"speaker":"Eric Bowman","startTime":519.81,"endTime":526.47,"body":"range from you know, there was a"},{"speaker":"Eric Bowman","startTime":527.25,"endTime":531.72,"body":"cattle rancher launching a pet"},{"speaker":"Eric Bowman","startTime":527.25,"endTime":531.72,"body":"food company in Waimea needed to"},{"speaker":"Eric Bowman","startTime":531.81,"endTime":537.84,"body":"got some equipment and needed to"},{"speaker":"Eric Bowman","startTime":531.81,"endTime":537.84,"body":"rewire their barn for to 220 to"},{"speaker":"Eric Bowman","startTime":537.87,"endTime":541.59,"body":"run this more commercial"},{"speaker":"Eric Bowman","startTime":537.87,"endTime":541.59,"body":"equipment. So $15,000, boomp,"},{"speaker":"Eric Bowman","startTime":541.59,"endTime":545.58,"body":"paid for the paid for this one"},{"speaker":"Eric Bowman","startTime":541.59,"endTime":545.58,"body":"component of a larger project,"},{"speaker":"Eric Bowman","startTime":545.61,"endTime":549.93,"body":"for just one enterprise on the"},{"speaker":"Eric Bowman","startTime":545.61,"endTime":549.93,"body":"ranch. All the way to a"},{"speaker":"Eric Bowman","startTime":549.93,"endTime":553.17,"body":"beginning farmer who was"},{"speaker":"Eric Bowman","startTime":549.93,"endTime":553.17,"body":"bringing in genetics. So she was"},{"speaker":"Eric Bowman","startTime":553.17,"endTime":557.82,"body":"bringing in a very specialized"},{"speaker":"Eric Bowman","startTime":553.17,"endTime":557.82,"body":"breed of pig, Mangalitsas, these"},{"speaker":"Eric Bowman","startTime":557.94,"endTime":564.0,"body":"thereʻs this large pig. If"},{"speaker":"Eric Bowman","startTime":557.94,"endTime":564.0,"body":"you're going to a fancy meat"},{"speaker":"Eric Bowman","startTime":564.0,"endTime":566.19,"body":"shop in San Francisco and be"},{"speaker":"Eric Bowman","startTime":564.0,"endTime":566.19,"body":"like, \"Oh, do you have"},{"speaker":"Eric Bowman","startTime":566.22,"endTime":569.43,"body":"Mangalitsa bacon?\" or whatever"},{"speaker":"Eric Bowman","startTime":566.22,"endTime":569.43,"body":"people would people totally know"},{"speaker":"Eric Bowman","startTime":569.43,"endTime":572.1,"body":"what you're talking about. So"},{"speaker":"Eric Bowman","startTime":569.43,"endTime":572.1,"body":"andyways, it was $7,000 to bring"},{"speaker":"Eric Bowman","startTime":572.1,"endTime":576.39,"body":"in a couple of bred sows, you"},{"speaker":"Eric Bowman","startTime":572.1,"endTime":576.39,"body":"know, just with the warranty and"},{"speaker":"Eric Bowman","startTime":576.39,"endTime":580.68,"body":"the air travel and shipping,"},{"speaker":"Eric Bowman","startTime":576.39,"endTime":580.68,"body":"etc. So, you know, as an example"},{"speaker":"Eric Bowman","startTime":580.68,"endTime":583.32,"body":"I think we're more like a"},{"speaker":"Eric Bowman","startTime":580.68,"endTime":583.32,"body":"startup loan, where it's like"},{"speaker":"Eric Bowman","startTime":583.35,"endTime":585.6,"body":"the enterprise is just kind of"},{"speaker":"Eric Bowman","startTime":583.35,"endTime":585.6,"body":"getting off the ground."},{"speaker":"Jim","startTime":586.47,"endTime":588.9,"body":"And do you have, youʻve"},{"speaker":"Jim","startTime":586.47,"endTime":588.9,"body":"been doing this for a while,"},{"speaker":"Jim","startTime":588.93,"endTime":595.65,"body":"clearly, so with Kiva. Do you"},{"speaker":"Jim","startTime":588.93,"endTime":595.65,"body":"have a site or is there a place"},{"speaker":"Jim","startTime":595.65,"endTime":599.19,"body":"that explains how to all the ins"},{"speaker":"Jim","startTime":595.65,"endTime":599.19,"body":"and outs and nuances of Kiva and"},{"speaker":"Jim","startTime":599.19,"endTime":602.61,"body":"how that works? Do you already"},{"speaker":"Jim","startTime":599.19,"endTime":602.61,"body":"have a webpage? Or is that"},{"speaker":"Jim","startTime":602.61,"endTime":604.83,"body":"through the Kohala Center? Is"},{"speaker":"Jim","startTime":602.61,"endTime":604.83,"body":"that pretty much reaching out to"},{"speaker":"Jim","startTime":604.83,"endTime":607.53,"body":"you directly? What's what's, if"},{"speaker":"Jim","startTime":604.83,"endTime":607.53,"body":"people want to go down that"},{"speaker":"Jim","startTime":607.53,"endTime":610.83,"body":"road? Is there a place they can"},{"speaker":"Jim","startTime":607.53,"endTime":610.83,"body":"go online to find more"},{"speaker":"Jim","startTime":610.83,"endTime":611.88,"body":"information about that?"},{"speaker":"Eric Bowman","startTime":613.61,"endTime":615.29,"body":"Excellent question."},{"speaker":"Eric Bowman","startTime":613.61,"endTime":615.29,"body":"Everything that you just said"},{"speaker":"Eric Bowman","startTime":615.29,"endTime":620.72,"body":"applies, email me, just google"},{"speaker":"Eric Bowman","startTime":615.29,"endTime":620.72,"body":"Kiva in. I should mention that"},{"speaker":"Eric Bowman","startTime":620.75,"endTime":625.07,"body":"the Kohala Center became the hub"},{"speaker":"Eric Bowman","startTime":620.75,"endTime":625.07,"body":"for Kiva, so we are responsible"},{"speaker":"Eric Bowman","startTime":625.07,"endTime":629.57,"body":"for the market in, in the"},{"speaker":"Eric Bowman","startTime":625.07,"endTime":629.57,"body":"islands, so the minute somebody"},{"speaker":"Eric Bowman","startTime":629.57,"endTime":631.25,"body":"goes into itʻs, I canʻt"},{"speaker":"Eric Bowman","startTime":629.57,"endTime":631.25,"body":"remember, it's I think it's like"},{"speaker":"Eric Bowman","startTime":631.28,"endTime":634.64,"body":"kiva.org/borrow something or"},{"speaker":"Eric Bowman","startTime":631.28,"endTime":634.64,"body":"/apply or something like that."},{"speaker":"Eric Bowman","startTime":634.64,"endTime":640.22,"body":"If you just google it, you'll"},{"speaker":"Eric Bowman","startTime":634.64,"endTime":640.22,"body":"find it. And if and as soon as"},{"speaker":"Eric Bowman","startTime":640.22,"endTime":644.48,"body":"somebody starts an application,"},{"speaker":"Eric Bowman","startTime":640.22,"endTime":644.48,"body":"I am inside their system, I log"},{"speaker":"Eric Bowman","startTime":644.48,"endTime":648.41,"body":"into the Kiva database every"},{"speaker":"Eric Bowman","startTime":644.48,"endTime":648.41,"body":"day, I get a notification that"},{"speaker":"Eric Bowman","startTime":648.41,"endTime":650.24,"body":"somebody started an applicant,"},{"speaker":"Eric Bowman","startTime":648.41,"endTime":650.24,"body":"and I'll usually reach out to"},{"speaker":"Eric Bowman","startTime":650.24,"endTime":653.06,"body":"them and be like, \"Hey, do you"},{"speaker":"Eric Bowman","startTime":650.24,"endTime":653.06,"body":"have any questions.\" And if once"},{"speaker":"Eric Bowman","startTime":653.06,"endTime":656.63,"body":"they click \"Submit,\" I'll do the"},{"speaker":"Eric Bowman","startTime":653.06,"endTime":656.63,"body":"initial screening, make sure it"},{"speaker":"Eric Bowman","startTime":656.63,"endTime":658.76,"body":"has the components in there,"},{"speaker":"Eric Bowman","startTime":656.63,"endTime":658.76,"body":"like they've uploaded their"},{"speaker":"Eric Bowman","startTime":658.76,"endTime":664.79,"body":"proof of business, that they've"},{"speaker":"Eric Bowman","startTime":658.76,"endTime":664.79,"body":"got eligible use of funds, in"},{"speaker":"Eric Bowman","startTime":664.79,"endTime":668.06,"body":"their description, etc. And then"},{"speaker":"Eric Bowman","startTime":664.79,"endTime":668.06,"body":"if that checks out, I advance it"},{"speaker":"Eric Bowman","startTime":668.06,"endTime":671.81,"body":"on to Kiva, which will do the"},{"speaker":"Eric Bowman","startTime":668.06,"endTime":671.81,"body":"review. Frequently, I have to go"},{"speaker":"Eric Bowman","startTime":671.81,"endTime":676.58,"body":"back to them. I mean, number one"},{"speaker":"Eric Bowman","startTime":671.81,"endTime":676.58,"body":"reason, a Kiva loan application"},{"speaker":"Eric Bowman","startTime":676.64,"endTime":678.86,"body":"gets kicked back to me, or I"},{"speaker":"Eric Bowman","startTime":676.64,"endTime":678.86,"body":"have to reach out to borrower is"},{"speaker":"Eric Bowman","startTime":678.86,"endTime":682.52,"body":"simply the picture. You know,"},{"speaker":"Eric Bowman","startTime":678.86,"endTime":682.52,"body":"they, you know, it seems so"},{"speaker":"Eric Bowman","startTime":682.52,"endTime":685.04,"body":"simple, include a photo of"},{"speaker":"Eric Bowman","startTime":682.52,"endTime":685.04,"body":"yourself at your business, but"},{"speaker":"Eric Bowman","startTime":685.04,"endTime":687.32,"body":"you know, people could picture"},{"speaker":"Eric Bowman","startTime":685.04,"endTime":687.32,"body":"their kid, which can't do or,"},{"speaker":"Eric Bowman","startTime":688.01,"endTime":690.95,"body":"you know, a picture of their of"},{"speaker":"Eric Bowman","startTime":688.01,"endTime":690.95,"body":"their, like, you can't see the"},{"speaker":"Eric Bowman","startTime":690.95,"endTime":698.09,"body":"face, you know. And the the"},{"speaker":"Eric Bowman","startTime":690.95,"endTime":698.09,"body":"thing I would stress is that,"},{"speaker":"Eric Bowman","startTime":698.12,"endTime":701.42,"body":"you know, if somebody's"},{"speaker":"Eric Bowman","startTime":698.12,"endTime":701.42,"body":"interested to just go, you know,"},{"speaker":"Eric Bowman","startTime":701.69,"endTime":704.42,"body":"either email me or go to the"},{"speaker":"Eric Bowman","startTime":701.69,"endTime":704.42,"body":"site, start an application, and"},{"speaker":"Eric Bowman","startTime":704.42,"endTime":706.97,"body":"it just, it just, it just really"},{"speaker":"Eric Bowman","startTime":704.42,"endTime":706.97,"body":"walks you through the process."},{"speaker":"Eric Bowman","startTime":707.21,"endTime":711.83,"body":"It can take. If you're all ready"},{"speaker":"Eric Bowman","startTime":707.21,"endTime":711.83,"body":"to go, you're very tech savvy,"},{"speaker":"Eric Bowman","startTime":711.86,"endTime":715.22,"body":"got some paragraphs, you can cut"},{"speaker":"Eric Bowman","startTime":711.86,"endTime":715.22,"body":"and paste, you have scanned in"},{"speaker":"Eric Bowman","startTime":715.22,"endTime":718.07,"body":"your business proof documents,"},{"speaker":"Eric Bowman","startTime":715.22,"endTime":718.07,"body":"you could probably be done with"},{"speaker":"Eric Bowman","startTime":718.07,"endTime":722.87,"body":"an application in 20 minutes. If"},{"speaker":"Eric Bowman","startTime":718.07,"endTime":722.87,"body":"you're not very tech savvy, and"},{"speaker":"Eric Bowman","startTime":722.87,"endTime":725.66,"body":"gotta sit down and write a"},{"speaker":"Eric Bowman","startTime":722.87,"endTime":725.66,"body":"paragraph about yourself for the"},{"speaker":"Eric Bowman","startTime":725.66,"endTime":728.81,"body":"first time ever, it's difficult"},{"speaker":"Eric Bowman","startTime":725.66,"endTime":728.81,"body":"for you, it can take two hours."},{"speaker":"Eric Bowman","startTime":729.17,"endTime":732.35,"body":"So it really, I think that it"},{"speaker":"Eric Bowman","startTime":729.17,"endTime":732.35,"body":"depends on the applicant, but"},{"speaker":"Eric Bowman","startTime":732.35,"endTime":736.88,"body":"it's not hard, you know. It's"},{"speaker":"Eric Bowman","startTime":732.35,"endTime":736.88,"body":"designed for, again, people who"},{"speaker":"Eric Bowman","startTime":736.88,"endTime":740.06,"body":"are on those lowest rungs of"},{"speaker":"Eric Bowman","startTime":736.88,"endTime":740.06,"body":"that ladder where they can't"},{"speaker":"Eric Bowman","startTime":740.06,"endTime":743.69,"body":"just walk into the USDA or"},{"speaker":"Eric Bowman","startTime":740.06,"endTime":743.69,"body":"American Ag Credit and get that"},{"speaker":"Eric Bowman","startTime":743.87,"endTime":746.99,"body":"get that working capital loan"},{"speaker":"Eric Bowman","startTime":743.87,"endTime":746.99,"body":"that maybe somebody who has had"},{"speaker":"Eric Bowman","startTime":746.99,"endTime":749.6,"body":"a more professional background,"},{"speaker":"Eric Bowman","startTime":746.99,"endTime":749.6,"body":"greater English language"},{"speaker":"Eric Bowman","startTime":749.6,"endTime":752.57,"body":"professor proficiency or"},{"speaker":"Eric Bowman","startTime":749.6,"endTime":752.57,"body":"education might be able to."},{"speaker":"Jim","startTime":753.11,"endTime":756.05,"body":"And it sounds like you're"},{"speaker":"Jim","startTime":753.11,"endTime":756.05,"body":"saying you're a resource and or"},{"speaker":"Jim","startTime":756.05,"endTime":759.08,"body":"the Kohala Center for"},{"speaker":"Jim","startTime":756.05,"endTime":759.08,"body":"assistance, if people are"},{"speaker":"Jim","startTime":759.08,"endTime":761.51,"body":"struggling with those"},{"speaker":"Jim","startTime":759.08,"endTime":761.51,"body":"paragraphs, perhaps. Is that"},{"speaker":"Jim","startTime":761.6,"endTime":761.99,"body":"true?"},{"speaker":"Eric Bowman","startTime":762.77,"endTime":765.08,"body":"Absolutely. I have"},{"speaker":"Eric Bowman","startTime":762.77,"endTime":765.08,"body":"been on the phone with somebody"},{"speaker":"Eric Bowman","startTime":765.23,"endTime":767.27,"body":"while they're getting jammed up."},{"speaker":"Eric Bowman","startTime":765.23,"endTime":767.27,"body":"And I'm like, \"Just tell me"},{"speaker":"Eric Bowman","startTime":767.27,"endTime":769.88,"body":"about your life.\" and then I'm"},{"speaker":"Eric Bowman","startTime":767.27,"endTime":769.88,"body":"clickety, clickety typing away"},{"speaker":"Eric Bowman","startTime":769.88,"endTime":772.04,"body":"as they as they, they're like,"},{"speaker":"Eric Bowman","startTime":769.88,"endTime":772.04,"body":"there's no way I can write a"},{"speaker":"Eric Bowman","startTime":772.4,"endTime":774.68,"body":"paragraph. I mean, a paragraph,"},{"speaker":"Eric Bowman","startTime":772.4,"endTime":774.68,"body":"I'm talking three to five"},{"speaker":"Eric Bowman","startTime":774.68,"endTime":777.86,"body":"sentences. Right? You know, this"},{"speaker":"Eric Bowman","startTime":774.68,"endTime":777.86,"body":"isn't, this isn't the college"},{"speaker":"Eric Bowman","startTime":777.86,"endTime":781.49,"body":"level essay, but you know, some"},{"speaker":"Eric Bowman","startTime":777.86,"endTime":781.49,"body":"people have a very difficult"},{"speaker":"Eric Bowman","startTime":781.49,"endTime":784.19,"body":"time with that. So Correct."},{"speaker":"Eric Bowman","startTime":781.49,"endTime":784.19,"body":"That's, I consider that. I mean,"},{"speaker":"Eric Bowman","startTime":784.19,"endTime":784.7,"body":"that's my job."},{"speaker":"Jim","startTime":785.08,"endTime":788.26,"body":"Great. And that that email"},{"speaker":"Jim","startTime":785.08,"endTime":788.26,"body":"that you're talking about is the"},{"speaker":"Jim","startTime":788.26,"endTime":790.66,"body":"one that I reached out to you"},{"speaker":"Jim","startTime":788.26,"endTime":790.66,"body":"with the Kohala Center one so"},{"speaker":"Jim","startTime":790.66,"endTime":793.96,"body":"that that's, we're free to share"},{"speaker":"Jim","startTime":790.66,"endTime":793.96,"body":"that one. It sounds like that's"},{"speaker":"Jim","startTime":793.96,"endTime":795.16,"body":"the one to use? Okay."},{"speaker":"Eric Bowman","startTime":795.52,"endTime":796.18,"body":"Absolutely."},{"speaker":"Jim","startTime":796.99,"endTime":800.41,"body":"So, as far as proof of"},{"speaker":"Jim","startTime":796.99,"endTime":800.41,"body":"business, I know a lot of folks,"},{"speaker":"Jim","startTime":800.47,"endTime":802.78,"body":"especially at the stage you're"},{"speaker":"Jim","startTime":800.47,"endTime":802.78,"body":"talking about might be in"},{"speaker":"Jim","startTime":802.78,"endTime":806.29,"body":"various stages of creating their"},{"speaker":"Jim","startTime":802.78,"endTime":806.29,"body":"business, business identity. The"},{"speaker":"Jim","startTime":806.5,"endTime":811.51,"body":"proof of business piece that you"},{"speaker":"Jim","startTime":806.5,"endTime":811.51,"body":"describe for Kiva, Is that is"},{"speaker":"Jim","startTime":811.51,"endTime":815.08,"body":"that documents of having set up"},{"speaker":"Jim","startTime":811.51,"endTime":815.08,"body":"an LLC or you know, kind of"},{"speaker":"Jim","startTime":815.08,"endTime":819.67,"body":"incorporation papers? Is it a"},{"speaker":"Jim","startTime":815.08,"endTime":819.67,"body":"GET, you know, certificate from"},{"speaker":"Jim","startTime":819.7,"endTime":822.58,"body":"the state of Hawaii, what kind"},{"speaker":"Jim","startTime":819.7,"endTime":822.58,"body":"of documents are required?"},{"speaker":"Eric Bowman","startTime":823.86,"endTime":827.43,"body":"You pretty much"},{"speaker":"Eric Bowman","startTime":823.86,"endTime":827.43,"body":"listed them. And in fact, I, if"},{"speaker":"Eric Bowman","startTime":827.43,"endTime":829.65,"body":"you google Kiva proof of"},{"speaker":"Eric Bowman","startTime":827.43,"endTime":829.65,"body":"business documents, you'll"},{"speaker":"Eric Bowman","startTime":829.65,"endTime":832.74,"body":"you'll find them in that that"},{"speaker":"Eric Bowman","startTime":829.65,"endTime":832.74,"body":"that is the list. Bank"},{"speaker":"Eric Bowman","startTime":832.74,"endTime":837.39,"body":"statements, tax returns, LLC"},{"speaker":"Eric Bowman","startTime":832.74,"endTime":837.39,"body":"incorporation documents, they"},{"speaker":"Eric Bowman","startTime":837.39,"endTime":840.9,"body":"take pause at the GE Tax"},{"speaker":"Eric Bowman","startTime":837.39,"endTime":840.9,"body":"license. So usually, if"},{"speaker":"Eric Bowman","startTime":840.9,"endTime":843.45,"body":"somebody's applied for a GE Tax"},{"speaker":"Eric Bowman","startTime":840.9,"endTime":843.45,"body":"license, they're already engaged"},{"speaker":"Eric Bowman","startTime":843.45,"endTime":846.27,"body":"in commercial activity, and they"},{"speaker":"Eric Bowman","startTime":843.45,"endTime":846.27,"body":"have some of those other items."},{"speaker":"Eric Bowman","startTime":846.99,"endTime":851.52,"body":"DBA doing business as, like you"},{"speaker":"Eric Bowman","startTime":846.99,"endTime":851.52,"body":"can just register that as a sole"},{"speaker":"Eric Bowman","startTime":851.52,"endTime":854.22,"body":"proprietor. Any anything like"},{"speaker":"Eric Bowman","startTime":851.52,"endTime":854.22,"body":"that that's kind of a"},{"speaker":"Eric Bowman","startTime":854.22,"endTime":857.85,"body":"relationship between you and a"},{"speaker":"Eric Bowman","startTime":854.22,"endTime":857.85,"body":"government agency, which"},{"speaker":"Eric Bowman","startTime":857.88,"endTime":860.22,"body":"frequently you need those items"},{"speaker":"Eric Bowman","startTime":857.88,"endTime":860.22,"body":"to get a business bank account"},{"speaker":"Eric Bowman","startTime":860.22,"endTime":865.83,"body":"anyway. So a lot of times"},{"speaker":"Eric Bowman","startTime":860.22,"endTime":865.83,"body":"somebody if somebody is even,"},{"speaker":"Eric Bowman","startTime":865.89,"endTime":869.19,"body":"even when businesses are what I"},{"speaker":"Eric Bowman","startTime":865.89,"endTime":869.19,"body":"would call it pre-revenue, many"},{"speaker":"Eric Bowman","startTime":869.19,"endTime":873.03,"body":"of them have already taken that"},{"speaker":"Eric Bowman","startTime":869.19,"endTime":873.03,"body":"step of either forming an entity"},{"speaker":"Eric Bowman","startTime":873.03,"endTime":876.93,"body":"or maybe they have just a little"},{"speaker":"Eric Bowman","startTime":873.03,"endTime":876.93,"body":"bit of income or they're they"},{"speaker":"Eric Bowman","startTime":876.93,"endTime":882.75,"body":"just got their bank account. So"},{"speaker":"Eric Bowman","startTime":876.93,"endTime":882.75,"body":"that the one of the restrictions"},{"speaker":"Eric Bowman","startTime":882.75,"endTime":885.75,"body":"on Kiva funds is it can't be"},{"speaker":"Eric Bowman","startTime":882.75,"endTime":885.75,"body":"used for personal purposes, like"},{"speaker":"Eric Bowman","startTime":885.78,"endTime":891.21,"body":"purchasing a vehicle or paying"},{"speaker":"Eric Bowman","startTime":885.78,"endTime":891.21,"body":"off a credit card. So, to that"},{"speaker":"Eric Bowman","startTime":891.21,"endTime":893.79,"body":"point, they are they're looking"},{"speaker":"Eric Bowman","startTime":891.21,"endTime":893.79,"body":"to they're looking to verify"},{"speaker":"Eric Bowman","startTime":893.85,"endTime":897.33,"body":"that you have some form of"},{"speaker":"Eric Bowman","startTime":893.85,"endTime":897.33,"body":"business activity."},{"speaker":"Jim","startTime":898.5,"endTime":900.87,"body":"Sounds like it may be less"},{"speaker":"Jim","startTime":898.5,"endTime":900.87,"body":"stringent than setting up a bank"},{"speaker":"Jim","startTime":900.87,"endTime":904.53,"body":"account with Bank of Hawaii. So"},{"speaker":"Jim","startTime":900.87,"endTime":904.53,"body":"it's a loan, is that correct? So"},{"speaker":"Jim","startTime":904.56,"endTime":908.04,"body":"you borrow it's a money you're"},{"speaker":"Jim","startTime":904.56,"endTime":908.04,"body":"borrowing through this web"},{"speaker":"Jim","startTime":908.04,"endTime":912.72,"body":"portal, and then you repay it"},{"speaker":"Jim","startTime":908.04,"endTime":912.72,"body":"over some set. Term and rate?"},{"speaker":"Eric Bowman","startTime":912.0,"endTime":918.12,"body":"Correct. Correct. I"},{"speaker":"Eric Bowman","startTime":912.0,"endTime":918.12,"body":"would say that, you know, one of"},{"speaker":"Eric Bowman","startTime":918.12,"endTime":922.77,"body":"the, one of the main reasons"},{"speaker":"Eric Bowman","startTime":918.12,"endTime":922.77,"body":"that we are excited about it is"},{"speaker":"Eric Bowman","startTime":922.8,"endTime":925.08,"body":"at the Kohala Center, and we've"},{"speaker":"Eric Bowman","startTime":922.8,"endTime":925.08,"body":"been, we've been working on this"},{"speaker":"Eric Bowman","startTime":925.08,"endTime":928.77,"body":"for eight years now, but"},{"speaker":"Eric Bowman","startTime":925.08,"endTime":928.77,"body":"there's, it's, it's, it's fee"},{"speaker":"Eric Bowman","startTime":928.77,"endTime":931.71,"body":"free. So there's no interest"},{"speaker":"Eric Bowman","startTime":928.77,"endTime":931.71,"body":"rates, and then there's no loan"},{"speaker":"Eric Bowman","startTime":931.71,"endTime":937.62,"body":"closing fee. And it, you know,"},{"speaker":"Eric Bowman","startTime":931.71,"endTime":937.62,"body":"our interest in it is that it's,"},{"speaker":"Eric Bowman","startTime":937.83,"endTime":940.5,"body":"it's essentially pushing"},{"speaker":"Eric Bowman","startTime":937.83,"endTime":940.5,"body":"resources from the community"},{"speaker":"Eric Bowman","startTime":940.5,"endTime":944.91,"body":"into the into the food and ag"},{"speaker":"Eric Bowman","startTime":940.5,"endTime":944.91,"body":"sector. And to be clear, anybody"},{"speaker":"Eric Bowman","startTime":944.91,"endTime":948.99,"body":"can borrow from Kiva, whether"},{"speaker":"Eric Bowman","startTime":944.91,"endTime":948.99,"body":"your a gutter installer or a"},{"speaker":"Eric Bowman","startTime":949.56,"endTime":954.18,"body":"babysitter, you know, you can"},{"speaker":"Eric Bowman","startTime":949.56,"endTime":954.18,"body":"apply for a Kiva loan, it's just"},{"speaker":"Eric Bowman","startTime":954.18,"endTime":957.84,"body":"kind of our interest in our real"},{"speaker":"Eric Bowman","startTime":954.18,"endTime":957.84,"body":"engagement as a lender comes"},{"speaker":"Eric Bowman","startTime":957.84,"endTime":964.86,"body":"from the Food and Ag sector. So,"},{"speaker":"Eric Bowman","startTime":957.84,"endTime":964.86,"body":"I'm not answering your question"},{"speaker":"Eric Bowman","startTime":964.86,"endTime":968.52,"body":"but I promise I will. So like,"},{"speaker":"Eric Bowman","startTime":964.86,"endTime":968.52,"body":"in 2014, the Kohala Center"},{"speaker":"Eric Bowman","startTime":968.52,"endTime":972.21,"body":"launched a loan fund, focused on"},{"speaker":"Eric Bowman","startTime":968.52,"endTime":972.21,"body":"the county of Hawaii, and the,"},{"speaker":"Eric Bowman","startTime":972.27,"endTime":976.26,"body":"in food and ag, and that went"},{"speaker":"Eric Bowman","startTime":972.27,"endTime":976.26,"body":"well, so then we expanded it"},{"speaker":"Eric Bowman","startTime":976.26,"endTime":984.66,"body":"statewide, I think, around 2016."},{"speaker":"Eric Bowman","startTime":976.26,"endTime":984.66,"body":"And then in 2020, we became the"},{"speaker":"Eric Bowman","startTime":984.66,"endTime":989.37,"body":"hub kind of more and more"},{"speaker":"Eric Bowman","startTime":984.66,"endTime":989.37,"body":"focused broadly. And we do work"},{"speaker":"Eric Bowman","startTime":989.37,"endTime":993.45,"body":"with some partners, for example,"},{"speaker":"Eric Bowman","startTime":989.37,"endTime":993.45,"body":"weʻll get a loan application in"},{"speaker":"Eric Bowman","startTime":993.45,"endTime":996.15,"body":"Waianae. There's a group there"},{"speaker":"Eric Bowman","startTime":993.45,"endTime":996.15,"body":"called INPEACE, so I'll be like,"},{"speaker":"Eric Bowman","startTime":996.15,"endTime":1002.0,"body":"\"Hey, you really need to talk to"},{"speaker":"Eric Bowman","startTime":996.15,"endTime":1002.0,"body":"these folks.\" So, correct. Your"},{"speaker":"Eric Bowman","startTime":1002.0,"endTime":1007.49,"body":"question was, it's it is a loan,"},{"speaker":"Eric Bowman","startTime":1002.0,"endTime":1007.49,"body":"and the the money does not come"},{"speaker":"Eric Bowman","startTime":1007.49,"endTime":1012.65,"body":"from Kiva, it comes from lenders"},{"speaker":"Eric Bowman","startTime":1007.49,"endTime":1012.65,"body":"on Kiva. So it its really what"},{"speaker":"Eric Bowman","startTime":1012.65,"endTime":1017.78,"body":"it does is it packages all these"},{"speaker":"Eric Bowman","startTime":1012.65,"endTime":1017.78,"body":"other lenders, for example,"},{"speaker":"Eric Bowman","startTime":1017.81,"endTime":1020.81,"body":"Eric, just individually, is a"},{"speaker":"Eric Bowman","startTime":1017.81,"endTime":1020.81,"body":"lender. I got, you know, I just,"},{"speaker":"Eric Bowman","startTime":1020.93,"endTime":1026.03,"body":"there's a loan that attracts my"},{"speaker":"Eric Bowman","startTime":1020.93,"endTime":1026.03,"body":"attention. And I'll put in $25,"},{"speaker":"Eric Bowman","startTime":1026.27,"endTime":1030.02,"body":"and then, you know, and then"},{"speaker":"Eric Bowman","startTime":1026.27,"endTime":1030.02,"body":"the, you mentioned, loan term,"},{"speaker":"Eric Bowman","startTime":1030.05,"endTime":1033.5,"body":"typical loan terms are one, two,"},{"speaker":"Eric Bowman","startTime":1030.05,"endTime":1033.5,"body":"or three years long. So kind of"},{"speaker":"Eric Bowman","startTime":1033.5,"endTime":1038.33,"body":"short. And then so, once a"},{"speaker":"Eric Bowman","startTime":1033.5,"endTime":1038.33,"body":"month, if I made a loan for $25,"},{"speaker":"Eric Bowman","startTime":1038.36,"endTime":1042.59,"body":"to somebody that borrowed"},{"speaker":"Eric Bowman","startTime":1038.36,"endTime":1042.59,"body":"$10,000, once a month, I'll get"},{"speaker":"Eric Bowman","startTime":1042.62,"endTime":1047.18,"body":"a repayment. It might be like 60"},{"speaker":"Eric Bowman","startTime":1042.62,"endTime":1047.18,"body":"cents, you know, because Kiva"},{"speaker":"Eric Bowman","startTime":1047.18,"endTime":1050.57,"body":"really is running that the data"},{"speaker":"Eric Bowman","startTime":1047.18,"endTime":1050.57,"body":"end of it, were they, the"},{"speaker":"Eric Bowman","startTime":1050.57,"endTime":1054.05,"body":"founder of Kiva knew the founder"},{"speaker":"Eric Bowman","startTime":1050.57,"endTime":1054.05,"body":"of PayPal, so they've negotiated"},{"speaker":"Eric Bowman","startTime":1054.05,"endTime":1056.6,"body":"kind of this fee free"},{"speaker":"Eric Bowman","startTime":1054.05,"endTime":1056.6,"body":"relationship with PayPal, that's"},{"speaker":"Eric Bowman","startTime":1056.6,"endTime":1059.42,"body":"kind of their, part of their"},{"speaker":"Eric Bowman","startTime":1056.6,"endTime":1059.42,"body":"secret recipe, not secret, but"},{"speaker":"Eric Bowman","startTime":1059.42,"endTime":1065.36,"body":"special recipe. So, so then"},{"speaker":"Eric Bowman","startTime":1059.42,"endTime":1065.36,"body":"people will pay via PayPal, and"},{"speaker":"Eric Bowman","startTime":1065.36,"endTime":1070.97,"body":"then what Kiva does is then"},{"speaker":"Eric Bowman","startTime":1065.36,"endTime":1070.97,"body":"parses out repayments to the I"},{"speaker":"Eric Bowman","startTime":1070.97,"endTime":1074.42,"body":"mean, on average, it's like 125"},{"speaker":"Eric Bowman","startTime":1070.97,"endTime":1074.42,"body":"people or something per loan"},{"speaker":"Eric Bowman","startTime":1074.42,"endTime":1078.95,"body":"that have participated to pull"},{"speaker":"Eric Bowman","startTime":1074.42,"endTime":1078.95,"body":"this together. So it's a very"},{"speaker":"Eric Bowman","startTime":1078.95,"endTime":1081.47,"body":"long answer to what was probably"},{"speaker":"Eric Bowman","startTime":1078.95,"endTime":1081.47,"body":"a very simple question,"},{"speaker":"Jim","startTime":1081.0,"endTime":1083.91,"body":"A very complete answer, I"},{"speaker":"Jim","startTime":1081.0,"endTime":1083.91,"body":"think getting a good"},{"speaker":"Jim","startTime":1083.91,"endTime":1088.26,"body":"understanding of that niche, is,"},{"speaker":"Jim","startTime":1083.91,"endTime":1088.26,"body":"will be will be valuable to a"},{"speaker":"Jim","startTime":1088.26,"endTime":1091.83,"body":"lot of people. I mean, one thing"},{"speaker":"Jim","startTime":1088.26,"endTime":1091.83,"body":"we hear regularly in the"},{"speaker":"Jim","startTime":1091.83,"endTime":1095.1,"body":"interviews and the surveys that"},{"speaker":"Jim","startTime":1091.83,"endTime":1095.1,"body":"we've done for Seeds of"},{"speaker":"Jim","startTime":1095.1,"endTime":1099.75,"body":"Wellbeing project is people are"},{"speaker":"Jim","startTime":1095.1,"endTime":1099.75,"body":"struggling with that, that spot"},{"speaker":"Jim","startTime":1099.75,"endTime":1102.42,"body":"where they need to, for example,"},{"speaker":"Jim","startTime":1099.75,"endTime":1102.42,"body":"put in a perimeter fence, right,"},{"speaker":"Jim","startTime":1102.42,"endTime":1105.75,"body":"that's usually step one. You are"},{"speaker":"Jim","startTime":1102.42,"endTime":1105.75,"body":"able luck fortunate enough to"},{"speaker":"Jim","startTime":1105.75,"endTime":1110.52,"body":"find and secure land. First step"},{"speaker":"Jim","startTime":1105.75,"endTime":1110.52,"body":"is to fence it to keep keep the"},{"speaker":"Jim","startTime":1110.52,"endTime":1115.35,"body":"invasive critters away. And, and"},{"speaker":"Jim","startTime":1110.52,"endTime":1115.35,"body":"so that's a struggle, because,"},{"speaker":"Jim","startTime":1115.83,"endTime":1119.07,"body":"as I understand it anyway, I"},{"speaker":"Jim","startTime":1115.83,"endTime":1119.07,"body":"think is it NRCS that that has"},{"speaker":"Jim","startTime":1119.07,"endTime":1122.91,"body":"loans available for interior"},{"speaker":"Jim","startTime":1119.07,"endTime":1122.91,"body":"fencing, potentially? But the"},{"speaker":"Jim","startTime":1122.91,"endTime":1126.27,"body":"extra perimeter fence, you"},{"speaker":"Jim","startTime":1122.91,"endTime":1126.27,"body":"can't, you can't get a grant or"},{"speaker":"Jim","startTime":1126.27,"endTime":1128.88,"body":"loan for. It's not an easy"},{"speaker":"Jim","startTime":1126.27,"endTime":1128.88,"body":"thing, and it's not a simple"},{"speaker":"Jim","startTime":1128.88,"endTime":1132.27,"body":"thing, and it's not a small"},{"speaker":"Jim","startTime":1128.88,"endTime":1132.27,"body":"expense. So sounds like Kiva"},{"speaker":"Jim","startTime":1132.27,"endTime":1135.54,"body":"might be a resource for people"},{"speaker":"Jim","startTime":1132.27,"endTime":1135.54,"body":"for that. Does that sound fair?"},{"speaker":"Eric Bowman","startTime":1136.71,"endTime":1140.67,"body":"Absolutely. And in"},{"speaker":"Eric Bowman","startTime":1136.71,"endTime":1140.67,"body":"fact, we've done at least one if"},{"speaker":"Eric Bowman","startTime":1140.67,"endTime":1144.15,"body":"not more loans for for just"},{"speaker":"Eric Bowman","startTime":1140.67,"endTime":1144.15,"body":"that. I think in one instance,"},{"speaker":"Eric Bowman","startTime":1144.15,"endTime":1148.14,"body":"it might have been a like a"},{"speaker":"Eric Bowman","startTime":1144.15,"endTime":1148.14,"body":"school teacher who you know, was"},{"speaker":"Eric Bowman","startTime":1148.14,"endTime":1150.81,"body":"on the side kind of developing"},{"speaker":"Eric Bowman","startTime":1148.14,"endTime":1150.81,"body":"this ranch down at Kaʻu, and,"},{"speaker":"Eric Bowman","startTime":1151.2,"endTime":1154.17,"body":"you know, trying to get his his"},{"speaker":"Eric Bowman","startTime":1151.2,"endTime":1154.17,"body":"this thing together, but that"},{"speaker":"Eric Bowman","startTime":1155.1,"endTime":1159.54,"body":"that's exactly right. You know,"},{"speaker":"Eric Bowman","startTime":1155.1,"endTime":1159.54,"body":"I think at the NRCS, you know, I"},{"speaker":"Eric Bowman","startTime":1159.54,"endTime":1163.35,"body":"get a lot of new farmers, first"},{"speaker":"Eric Bowman","startTime":1159.54,"endTime":1163.35,"body":"time landowners who are reaching"},{"speaker":"Eric Bowman","startTime":1163.35,"endTime":1165.33,"body":"out to the Kohala Center and"},{"speaker":"Eric Bowman","startTime":1163.35,"endTime":1165.33,"body":"they're like, what, \"Where do I"},{"speaker":"Eric Bowman","startTime":1165.36,"endTime":1170.13,"body":"go from here?\" And you know, the"},{"speaker":"Eric Bowman","startTime":1165.36,"endTime":1170.13,"body":"NRCS is usually like one of the"},{"speaker":"Eric Bowman","startTime":1170.13,"endTime":1173.4,"body":"it's kind of a short little list"},{"speaker":"Eric Bowman","startTime":1170.13,"endTime":1173.4,"body":"of places I refer for people to"},{"speaker":"Eric Bowman","startTime":1173.91,"endTime":1179.67,"body":"and NRCS has a great program for"},{"speaker":"Eric Bowman","startTime":1173.91,"endTime":1179.67,"body":"financing some of that"},{"speaker":"Eric Bowman","startTime":1179.67,"endTime":1183.12,"body":"infrastructure specifically"},{"speaker":"Eric Bowman","startTime":1179.67,"endTime":1183.12,"body":"around your conservation plan"},{"speaker":"Eric Bowman","startTime":1183.12,"endTime":1185.4,"body":"and soil conservation plan and"},{"speaker":"Eric Bowman","startTime":1183.12,"endTime":1185.4,"body":"they will they will develop what"},{"speaker":"Eric Bowman","startTime":1185.4,"endTime":1187.53,"body":"they're on staff contact..."},{"speaker":"Eric Bowman","startTime":1185.4,"endTime":1187.53,"body":"chickens are going crazy so"},{"speaker":"Eric Bowman","startTime":1187.53,"endTime":1192.06,"body":"hopefully that's not too"},{"speaker":"Eric Bowman","startTime":1187.53,"endTime":1192.06,"body":"distracting. But you know what,"},{"speaker":"Eric Bowman","startTime":1192.06,"endTime":1194.34,"body":"once I you know, somebody from"},{"speaker":"Eric Bowman","startTime":1192.06,"endTime":1194.34,"body":"the NRCS mentioned, well, \"If we"},{"speaker":"Eric Bowman","startTime":1194.34,"endTime":1196.8,"body":"had to do perimeter fences, then"},{"speaker":"Eric Bowman","startTime":1194.34,"endTime":1196.8,"body":"we you know, there'd be no end"},{"speaker":"Eric Bowman","startTime":1196.8,"endTime":1198.39,"body":"in sight. Weʻd have to do all"},{"speaker":"Eric Bowman","startTime":1196.8,"endTime":1198.39,"body":"the perimeter fences\" and Iʻm"},{"speaker":"Eric Bowman","startTime":1198.39,"endTime":1200.76,"body":"like, well, you're you're"},{"speaker":"Eric Bowman","startTime":1198.39,"endTime":1200.76,"body":"probably right because everybody"},{"speaker":"Eric Bowman","startTime":1200.76,"endTime":1205.08,"body":"needs one. You know, with the"},{"speaker":"Eric Bowman","startTime":1200.76,"endTime":1205.08,"body":"pigs, and the situation that we"},{"speaker":"Eric Bowman","startTime":1205.08,"endTime":1210.48,"body":"have here with the the lot, that"},{"speaker":"Eric Bowman","startTime":1205.08,"endTime":1210.48,"body":"you cannot engage in"},{"speaker":"Eric Bowman","startTime":1210.48,"endTime":1211.77,"body":"agricultural production without"},{"speaker":"Eric Bowman","startTime":1210.48,"endTime":1211.77,"body":"it."},{"speaker":"Jim","startTime":1212.92,"endTime":1215.41,"body":"Absolutely. And so that"},{"speaker":"Jim","startTime":1212.92,"endTime":1215.41,"body":"sounds like that's a sweet spot."},{"speaker":"Jim","startTime":1215.41,"endTime":1221.47,"body":"I think. So NRCS it sounds like"},{"speaker":"Jim","startTime":1215.41,"endTime":1221.47,"body":"you have an inside track on on"},{"speaker":"Jim","startTime":1221.47,"endTime":1224.44,"body":"where they're effective. We want"},{"speaker":"Jim","startTime":1221.47,"endTime":1224.44,"body":"to talk a little bit about some"},{"speaker":"Jim","startTime":1224.44,"endTime":1227.32,"body":"of the successes you've seen?"},{"speaker":"Jim","startTime":1224.44,"endTime":1227.32,"body":"And do you have a sense of their"},{"speaker":"Jim","startTime":1227.32,"endTime":1230.62,"body":"process a little bit, just to?"},{"speaker":"Jim","startTime":1227.32,"endTime":1230.62,"body":"Not that that you're the expert,"},{"speaker":"Jim","startTime":1230.62,"endTime":1234.31,"body":"right, but just just where they"},{"speaker":"Jim","startTime":1230.62,"endTime":1234.31,"body":"may fit in this whole financing"},{"speaker":"Jim","startTime":1234.31,"endTime":1238.45,"body":"funding stream that is so"},{"speaker":"Jim","startTime":1234.31,"endTime":1238.45,"body":"necessary for ag producers?"},{"speaker":"Eric Bowman","startTime":1238.99,"endTime":1240.55,"body":"Absolutely."},{"speaker":"Eric Bowman","startTime":1238.99,"endTime":1240.55,"body":"Absolutely. Well, you know,"},{"speaker":"Eric Bowman","startTime":1240.55,"endTime":1243.49,"body":"certainly back to that original"},{"speaker":"Eric Bowman","startTime":1240.55,"endTime":1243.49,"body":"comment that Ag is very capital"},{"speaker":"Eric Bowman","startTime":1243.49,"endTime":1245.68,"body":"intensive, and the way that I"},{"speaker":"Eric Bowman","startTime":1243.49,"endTime":1245.68,"body":"think many people, they think"},{"speaker":"Eric Bowman","startTime":1245.68,"endTime":1247.54,"body":"it's so simple, oh, just get"},{"speaker":"Eric Bowman","startTime":1245.68,"endTime":1247.54,"body":"some land make some food, but,"},{"speaker":"Eric Bowman","startTime":1248.14,"endTime":1251.2,"body":"you know, usually I tell people"},{"speaker":"Eric Bowman","startTime":1248.14,"endTime":1251.2,"body":"is step one is reach out to farm"},{"speaker":"Eric Bowman","startTime":1251.2,"endTime":1256.27,"body":"programs at the FSA. The FSA has"},{"speaker":"Eric Bowman","startTime":1251.2,"endTime":1256.27,"body":"farm loans and farm programs."},{"speaker":"Eric Bowman","startTime":1256.48,"endTime":1259.48,"body":"And if you when you think of"},{"speaker":"Eric Bowman","startTime":1256.48,"endTime":1259.48,"body":"farm programs, that's kind of"},{"speaker":"Eric Bowman","startTime":1259.48,"endTime":1263.98,"body":"the portal so they'll give you a"},{"speaker":"Eric Bowman","startTime":1259.48,"endTime":1263.98,"body":"farm ID number. And you'll need"},{"speaker":"Eric Bowman","startTime":1263.98,"endTime":1269.05,"body":"that at the NRCS. So that the"},{"speaker":"Eric Bowman","startTime":1263.98,"endTime":1269.05,"body":"NRCS is the Natural Resource"},{"speaker":"Eric Bowman","startTime":1269.05,"endTime":1274.69,"body":"Conservation Service. Sidenote,"},{"speaker":"Eric Bowman","startTime":1269.05,"endTime":1274.69,"body":"super fun movie kiss the \"Kiss"},{"speaker":"Eric Bowman","startTime":1274.69,"endTime":1276.76,"body":"the Ground,\" I think, where it"},{"speaker":"Eric Bowman","startTime":1274.69,"endTime":1276.76,"body":"was almost like a little"},{"speaker":"Eric Bowman","startTime":1277.39,"endTime":1281.89,"body":"documentary about the NRCS is,"},{"speaker":"Eric Bowman","startTime":1277.39,"endTime":1281.89,"body":"you know, very important agency."},{"speaker":"Eric Bowman","startTime":1282.43,"endTime":1288.52,"body":"And you will call them up they"},{"speaker":"Eric Bowman","startTime":1282.43,"endTime":1288.52,"body":"usually booked about... those"},{"speaker":"Eric Bowman","startTime":1288.52,"endTime":1291.67,"body":"chickens are just not stopping."},{"speaker":"Eric Bowman","startTime":1288.52,"endTime":1291.67,"body":"They'll usually booked about six"},{"speaker":"Eric Bowman","startTime":1291.67,"endTime":1294.19,"body":"months in advance three to six"},{"speaker":"Eric Bowman","startTime":1291.67,"endTime":1294.19,"body":"months. Theyʻll send out a soil"},{"speaker":"Eric Bowman","startTime":1294.19,"endTime":1297.64,"body":"conservationist is to walk your"},{"speaker":"Eric Bowman","startTime":1294.19,"endTime":1297.64,"body":"property. You'll learn a ton"},{"speaker":"Eric Bowman","startTime":1298.12,"endTime":1302.53,"body":"about your land. They'll look"},{"speaker":"Eric Bowman","startTime":1298.12,"endTime":1302.53,"body":"for, you know, their their"},{"speaker":"Eric Bowman","startTime":1302.53,"endTime":1305.77,"body":"resources they're trying to"},{"speaker":"Eric Bowman","startTime":1302.53,"endTime":1305.77,"body":"conserve, they shift over time,"},{"speaker":"Eric Bowman","startTime":1305.77,"endTime":1310.45,"body":"depending on the type of policy,"},{"speaker":"Eric Bowman","startTime":1305.77,"endTime":1310.45,"body":"community demand. They'll do"},{"speaker":"Eric Bowman","startTime":1310.45,"endTime":1312.64,"body":"some surveys to find out, you"},{"speaker":"Eric Bowman","startTime":1310.45,"endTime":1312.64,"body":"know, sometimes those resources"},{"speaker":"Eric Bowman","startTime":1312.64,"endTime":1317.11,"body":"might be like, water runoff."},{"speaker":"Eric Bowman","startTime":1312.64,"endTime":1317.11,"body":"endangered species, I don't"},{"speaker":"Eric Bowman","startTime":1317.11,"endTime":1321.4,"body":"know, cultural preservation, I"},{"speaker":"Eric Bowman","startTime":1317.11,"endTime":1321.4,"body":"mean, it's not always soil and"},{"speaker":"Eric Bowman","startTime":1321.4,"endTime":1325.69,"body":"soil carbon, and tilth, but that"},{"speaker":"Eric Bowman","startTime":1321.4,"endTime":1325.69,"body":"is, soil is really their main"},{"speaker":"Eric Bowman","startTime":1325.72,"endTime":1328.12,"body":"their main focus. So sometimes I"},{"speaker":"Eric Bowman","startTime":1325.72,"endTime":1328.12,"body":"think they might be called in"},{"speaker":"Eric Bowman","startTime":1328.12,"endTime":1332.32,"body":"like, if there's like, you know,"},{"speaker":"Eric Bowman","startTime":1328.12,"endTime":1332.32,"body":"neighbor has, you know, grubbed"},{"speaker":"Eric Bowman","startTime":1332.32,"endTime":1335.05,"body":"the land, and now I'm getting"},{"speaker":"Eric Bowman","startTime":1332.32,"endTime":1335.05,"body":"all this silt on top of, you"},{"speaker":"Eric Bowman","startTime":1335.05,"endTime":1339.67,"body":"know, so they might come in and"},{"speaker":"Eric Bowman","startTime":1335.05,"endTime":1339.67,"body":"actually address a community"},{"speaker":"Eric Bowman","startTime":1339.67,"endTime":1342.28,"body":"issue. But, so they"},{"speaker":"Jim","startTime":1343.18,"endTime":1346.39,"body":"Just, yeah, just to"},{"speaker":"Jim","startTime":1343.18,"endTime":1346.39,"body":"interrupt for a sec. So do you"},{"speaker":"Jim","startTime":1346.39,"endTime":1350.02,"body":"know if they have, do they have"},{"speaker":"Jim","startTime":1346.39,"endTime":1350.02,"body":"a resource on each island? Is it"},{"speaker":"Jim","startTime":1350.05,"endTime":1352.99,"body":"one that has to fly between"},{"speaker":"Jim","startTime":1350.05,"endTime":1352.99,"body":"islands? And are they do they"},{"speaker":"Jim","startTime":1352.99,"endTime":1354.49,"body":"charge for those services?"},{"speaker":"Eric Bowman","startTime":1355.69,"endTime":1357.64,"body":"Excellent"},{"speaker":"Eric Bowman","startTime":1355.69,"endTime":1357.64,"body":"questions. They have districts."},{"speaker":"Eric Bowman","startTime":1358.12,"endTime":1360.22,"body":"So we have an office here in"},{"speaker":"Eric Bowman","startTime":1358.12,"endTime":1360.22,"body":"Waimea and then there's another"},{"speaker":"Eric Bowman","startTime":1360.22,"endTime":1364.75,"body":"one in Hilo, I think there's"},{"speaker":"Eric Bowman","startTime":1360.22,"endTime":1364.75,"body":"either two or three districts in"},{"speaker":"Eric Bowman","startTime":1365.14,"endTime":1370.9,"body":"Hawaii Island. And every county,"},{"speaker":"Eric Bowman","startTime":1365.14,"endTime":1370.9,"body":"I'm sure is you know, I'm sure"},{"speaker":"Eric Bowman","startTime":1370.9,"endTime":1376.45,"body":"there's a there's there's, they"},{"speaker":"Eric Bowman","startTime":1370.9,"endTime":1376.45,"body":"might even be like a special"},{"speaker":"Eric Bowman","startTime":1376.45,"endTime":1381.01,"body":"staff member focused on Molokai"},{"speaker":"Eric Bowman","startTime":1376.45,"endTime":1381.01,"body":"and I know there's one on Maui,"},{"speaker":"Eric Bowman","startTime":1381.01,"endTime":1381.49,"body":"for example,"},{"speaker":"Jim","startTime":1381.649,"endTime":1383.839,"body":"insert the appropriate"},{"speaker":"Jim","startTime":1381.649,"endTime":1383.839,"body":"hyperlink here."},{"speaker":"Eric Bowman","startTime":1387.38,"endTime":1389.36,"body":"And again, it's"},{"speaker":"Eric Bowman","startTime":1387.38,"endTime":1389.36,"body":"super easy to find on the web."},{"speaker":"Eric Bowman","startTime":1389.96,"endTime":1394.61,"body":"And then there is no fee for"},{"speaker":"Eric Bowman","startTime":1389.96,"endTime":1394.61,"body":"their service. So they'll come"},{"speaker":"Eric Bowman","startTime":1394.61,"endTime":1397.34,"body":"out, they'll get you that"},{"speaker":"Eric Bowman","startTime":1394.61,"endTime":1397.34,"body":"conservation plan. And then they"},{"speaker":"Eric Bowman","startTime":1397.34,"endTime":1403.61,"body":"might work with you on a"},{"speaker":"Eric Bowman","startTime":1397.34,"endTime":1403.61,"body":"component of that plan. So I'll"},{"speaker":"Eric Bowman","startTime":1403.61,"endTime":1408.71,"body":"give you two extra two examples."},{"speaker":"Eric Bowman","startTime":1403.61,"endTime":1408.71,"body":"I've seen them fund stuff like"},{"speaker":"Eric Bowman","startTime":1409.52,"endTime":1412.79,"body":"perip, stock tanks, so you can"},{"speaker":"Eric Bowman","startTime":1409.52,"endTime":1412.79,"body":"keep your animals from running"},{"speaker":"Eric Bowman","startTime":1412.82,"endTime":1415.94,"body":"in a straight line. Cross"},{"speaker":"Eric Bowman","startTime":1412.82,"endTime":1415.94,"body":"fencing, you want to do like"},{"speaker":"Eric Bowman","startTime":1415.94,"endTime":1419.87,"body":"maybe mob grazing. But to two"},{"speaker":"Eric Bowman","startTime":1415.94,"endTime":1419.87,"body":"successful projects, I saw, one"},{"speaker":"Eric Bowman","startTime":1419.87,"endTime":1426.17,"body":"one's largest cross-year program"},{"speaker":"Eric Bowman","startTime":1419.87,"endTime":1426.17,"body":"is the EQUIP, okay? Itʻs"},{"speaker":"Eric Bowman","startTime":1426.2,"endTime":1432.77,"body":"environmental, quality... insert"},{"speaker":"Eric Bowman","startTime":1426.2,"endTime":1432.77,"body":"appropriate hyperlink. And so"},{"speaker":"Eric Bowman","startTime":1432.77,"endTime":1440.18,"body":"they'll pay for I can't remember"},{"speaker":"Eric Bowman","startTime":1432.77,"endTime":1440.18,"body":"that much of the project 80%,"},{"speaker":"Eric Bowman","startTime":1440.18,"endTime":1444.41,"body":"90%. You do need to bring some"},{"speaker":"Eric Bowman","startTime":1440.18,"endTime":1444.41,"body":"some some, maybe itʻs 75% You do"},{"speaker":"Eric Bowman","startTime":1444.41,"endTime":1446.84,"body":"need to bring a portion of"},{"speaker":"Eric Bowman","startTime":1444.41,"endTime":1446.84,"body":"resources into the project. A"},{"speaker":"Eric Bowman","startTime":1446.84,"endTime":1449.72,"body":"lot of times that can be sweat"},{"speaker":"Eric Bowman","startTime":1446.84,"endTime":1449.72,"body":"equity that can be later. I have"},{"speaker":"Eric Bowman","startTime":1449.72,"endTime":1453.86,"body":"seen farmers you know, they got"},{"speaker":"Eric Bowman","startTime":1449.72,"endTime":1453.86,"body":"a favor with Uncle down the"},{"speaker":"Eric Bowman","startTime":1453.86,"endTime":1457.4,"body":"road, he'll just come up and run"},{"speaker":"Eric Bowman","startTime":1453.86,"endTime":1457.4,"body":"his backhoe for a little bit"},{"speaker":"Eric Bowman","startTime":1457.4,"endTime":1459.92,"body":"and, you know, call up the"},{"speaker":"Eric Bowman","startTime":1457.4,"endTime":1459.92,"body":"cousins we'll put in the fence"},{"speaker":"Eric Bowman","startTime":1459.92,"endTime":1463.82,"body":"post, you know, there's your"},{"speaker":"Eric Bowman","startTime":1459.92,"endTime":1463.82,"body":"contribution. But you know, so"},{"speaker":"Eric Bowman","startTime":1464.03,"endTime":1468.98,"body":"this pig farmer got a $90,000"},{"speaker":"Eric Bowman","startTime":1464.03,"endTime":1468.98,"body":"project put in pretty much at"},{"speaker":"Eric Bowman","startTime":1468.98,"endTime":1473.72,"body":"the expense of the of the US"},{"speaker":"Eric Bowman","startTime":1468.98,"endTime":1473.72,"body":"government. Steel building,"},{"speaker":"Eric Bowman","startTime":1473.72,"endTime":1478.85,"body":"concrete pad, pens for piggeries"},{"speaker":"Eric Bowman","startTime":1473.72,"endTime":1478.85,"body":"that way they could do the"},{"speaker":"Eric Bowman","startTime":1479.15,"endTime":1483.59,"body":"Korean Natural Farming pig"},{"speaker":"Eric Bowman","startTime":1479.15,"endTime":1483.59,"body":"system without grubbinʻ grubbinʻ"},{"speaker":"Eric Bowman","startTime":1483.59,"endTime":1486.26,"body":"through the dirt. The County and"},{"speaker":"Eric Bowman","startTime":1483.59,"endTime":1486.26,"body":"the Feds would prefer it to be"},{"speaker":"Eric Bowman","startTime":1486.26,"endTime":1488.78,"body":"on concrete even though, in my"},{"speaker":"Eric Bowman","startTime":1486.26,"endTime":1488.78,"body":"mind, it makes more sense"},{"speaker":"Eric Bowman","startTime":1488.81,"endTime":1493.37,"body":"probably to be in the dirt."},{"speaker":"Eric Bowman","startTime":1488.81,"endTime":1493.37,"body":"Annother successful project we"},{"speaker":"Eric Bowman","startTime":1493.37,"endTime":1500.99,"body":"worked on also with Kiva was a"},{"speaker":"Eric Bowman","startTime":1493.37,"endTime":1500.99,"body":"greenhouse for one of the larger"},{"speaker":"Eric Bowman","startTime":1501.11,"endTime":1503.9,"body":"vegetable producers on Hamakua"},{"speaker":"Eric Bowman","startTime":1501.11,"endTime":1503.9,"body":"Coast, Mother Nature's Miracle."},{"speaker":"Eric Bowman","startTime":1504.89,"endTime":1507.65,"body":"So you know, they make, they"},{"speaker":"Eric Bowman","startTime":1504.89,"endTime":1507.65,"body":"talk, I can mentioned this, itʻs"},{"speaker":"Eric Bowman","startTime":1507.65,"endTime":1509.51,"body":"not confidential ʻcause it's in"},{"speaker":"Eric Bowman","startTime":1507.65,"endTime":1509.51,"body":"their loan writeup, which you"},{"speaker":"Eric Bowman","startTime":1509.51,"endTime":1513.71,"body":"can find on the web, but the"},{"speaker":"Eric Bowman","startTime":1509.51,"endTime":1513.71,"body":"projects are our reimbursement"},{"speaker":"Eric Bowman","startTime":1513.71,"endTime":1518.96,"body":"based. So, usually that involves"},{"speaker":"Eric Bowman","startTime":1513.71,"endTime":1518.96,"body":"cash outlay by the landowner,"},{"speaker":"Eric Bowman","startTime":1519.17,"endTime":1523.01,"body":"and then they'll achieve the"},{"speaker":"Eric Bowman","startTime":1519.17,"endTime":1523.01,"body":"objectives of the project, and"},{"speaker":"Eric Bowman","startTime":1523.01,"endTime":1526.91,"body":"then the NRCS will come out and"},{"speaker":"Eric Bowman","startTime":1523.01,"endTime":1526.91,"body":"do an inspection and then then"},{"speaker":"Eric Bowman","startTime":1526.91,"endTime":1527.66,"body":"you'll get your reimbursement."},{"speaker":"Jim","startTime":1528.32,"endTime":1532.43,"body":"So it sounds like step one"},{"speaker":"Jim","startTime":1528.32,"endTime":1532.43,"body":"is, is reaching out to them and"},{"speaker":"Jim","startTime":1532.43,"endTime":1535.94,"body":"having them come on site for an"},{"speaker":"Jim","startTime":1532.43,"endTime":1535.94,"body":"initial assessment. Do they have"},{"speaker":"Jim","startTime":1536.09,"endTime":1539.0,"body":"other requirements, like you"},{"speaker":"Jim","startTime":1536.09,"endTime":1539.0,"body":"describe for Kiva, you know,"},{"speaker":"Jim","startTime":1539.03,"endTime":1543.08,"body":"business, LLC documents, things"},{"speaker":"Jim","startTime":1539.03,"endTime":1543.08,"body":"like that, I imagine,"},{"speaker":"Jim","startTime":1543.8,"endTime":1548.18,"body":"description description of the"},{"speaker":"Jim","startTime":1543.8,"endTime":1548.18,"body":"need kind of budget, budget"},{"speaker":"Eric Bowman","startTime":1548.0,"endTime":1553.49,"body":"And I'm pretty, I"},{"speaker":"Eric Bowman","startTime":1548.0,"endTime":1553.49,"body":"mean you should have them on"},{"speaker":"Eric Bowman","startTime":1548.18,"endTime":1548.93,"body":"projections."},{"speaker":"Eric Bowman","startTime":1553.49,"endTime":1556.94,"body":"instead of me digging deep into"},{"speaker":"Eric Bowman","startTime":1553.49,"endTime":1556.94,"body":"my memory banks, but I think"},{"speaker":"Eric Bowman","startTime":1556.94,"endTime":1560.6,"body":"they're they are looking to"},{"speaker":"Eric Bowman","startTime":1556.94,"endTime":1560.6,"body":"focus on agriculture producers."},{"speaker":"Eric Bowman","startTime":1560.6,"endTime":1564.29,"body":"So they're going to be looking"},{"speaker":"Eric Bowman","startTime":1560.6,"endTime":1564.29,"body":"for that that Schedule F. Yep."},{"speaker":"Eric Bowman","startTime":1565.13,"endTime":1568.4,"body":"That's really that's, that's the"},{"speaker":"Eric Bowman","startTime":1565.13,"endTime":1568.4,"body":"tax return kindaʻ like Schedule"},{"speaker":"Eric Bowman","startTime":1568.4,"endTime":1571.82,"body":"C, but for farmers, and it says"},{"speaker":"Eric Bowman","startTime":1568.4,"endTime":1571.82,"body":"to that, to your attesting to"},{"speaker":"Eric Bowman","startTime":1571.82,"endTime":1575.33,"body":"the to the federal government, I"},{"speaker":"Eric Bowman","startTime":1571.82,"endTime":1575.33,"body":"made this money in agriculture."},{"speaker":"Jim","startTime":1575.51,"endTime":1578.81,"body":"Yep. Okay, schedule F"},{"speaker":"Jim","startTime":1575.51,"endTime":1578.81,"body":"sounds like it's key and with"},{"speaker":"Jim","startTime":1578.81,"endTime":1582.86,"body":"Kiva, as well, as a simpler"},{"speaker":"Jim","startTime":1578.81,"endTime":1582.86,"body":"version, even then, for some of"},{"speaker":"Jim","startTime":1582.86,"endTime":1584.27,"body":"the documents that you were"},{"speaker":"Jim","startTime":1582.86,"endTime":1584.27,"body":"describing,"},{"speaker":"Eric Bowman","startTime":1585.35,"endTime":1587.09,"body":"That would"},{"speaker":"Eric Bowman","startTime":1585.35,"endTime":1587.09,"body":"absolutely meet the"},{"speaker":"Eric Bowman","startTime":1587.24,"endTime":1587.78,"body":"requirements."},{"speaker":"Jim","startTime":1590.48,"endTime":1593.66,"body":"So NRCS, so yeah. So pay up"},{"speaker":"Jim","startTime":1590.48,"endTime":1593.66,"body":"front. So I've heard those"},{"speaker":"Jim","startTime":1593.66,"endTime":1597.41,"body":"stories of people say \"I need a"},{"speaker":"Jim","startTime":1593.66,"endTime":1597.41,"body":"greenhouse, and so I had, so and"},{"speaker":"Jim","startTime":1597.41,"endTime":1599.66,"body":"so come out, and and I had to"},{"speaker":"Jim","startTime":1597.41,"endTime":1599.66,"body":"pay for it, but I got"},{"speaker":"Jim","startTime":1599.66,"endTime":1603.14,"body":"reimbursed.\" Was that an NRCS"},{"speaker":"Jim","startTime":1599.66,"endTime":1603.14,"body":"scenario potentially?"},{"speaker":"Eric Bowman","startTime":1604.17,"endTime":1606.81,"body":"That's exactly an"},{"speaker":"Eric Bowman","startTime":1604.17,"endTime":1606.81,"body":"NRCS scenario. Okay. You know,"},{"speaker":"Eric Bowman","startTime":1606.81,"endTime":1612.09,"body":"what I do tell people is, if you"},{"speaker":"Eric Bowman","startTime":1606.81,"endTime":1612.09,"body":"need a greenhouse yesterday, you"},{"speaker":"Eric Bowman","startTime":1612.09,"endTime":1615.0,"body":"just got to build a greenhouse,"},{"speaker":"Eric Bowman","startTime":1612.09,"endTime":1615.0,"body":"like do not wait for the federal"},{"speaker":"Eric Bowman","startTime":1615.0,"endTime":1619.71,"body":"government. You know, so they"},{"speaker":"Eric Bowman","startTime":1615.0,"endTime":1619.71,"body":"could take, you know, their"},{"speaker":"Eric Bowman","startTime":1619.71,"endTime":1622.95,"body":"operating on their own timeline,"},{"speaker":"Eric Bowman","startTime":1619.71,"endTime":1622.95,"body":"right? They're understaffed and"},{"speaker":"Eric Bowman","startTime":1623.01,"endTime":1627.18,"body":"spread thin. Great. If you it's"},{"speaker":"Eric Bowman","startTime":1623.01,"endTime":1627.18,"body":"like a Venn diagram, here's what"},{"speaker":"Eric Bowman","startTime":1627.54,"endTime":1630.51,"body":"Congress has, the public has"},{"speaker":"Eric Bowman","startTime":1627.54,"endTime":1630.51,"body":"told Congress to do, and"},{"speaker":"Eric Bowman","startTime":1630.51,"endTime":1633.42,"body":"Congress has told the agency to"},{"speaker":"Eric Bowman","startTime":1630.51,"endTime":1633.42,"body":"do, and then there's resources"},{"speaker":"Eric Bowman","startTime":1633.42,"endTime":1636.45,"body":"in it for farmers. And then"},{"speaker":"Eric Bowman","startTime":1633.42,"endTime":1636.45,"body":"here's what a landowner might"},{"speaker":"Eric Bowman","startTime":1636.45,"endTime":1639.72,"body":"need, right. And there's some"},{"speaker":"Eric Bowman","startTime":1636.45,"endTime":1639.72,"body":"overlap. But you know, you can't"},{"speaker":"Eric Bowman","startTime":1639.72,"endTime":1644.22,"body":"wait for them. If you've got a"},{"speaker":"Eric Bowman","startTime":1639.72,"endTime":1644.22,"body":"viable business plan, and you"},{"speaker":"Eric Bowman","startTime":1644.22,"endTime":1649.56,"body":"want to move forward, just build"},{"speaker":"Eric Bowman","startTime":1644.22,"endTime":1649.56,"body":"a greenhouse. Definitely reach"},{"speaker":"Eric Bowman","startTime":1649.56,"endTime":1652.35,"body":"out to farm programs reach out"},{"speaker":"Eric Bowman","startTime":1649.56,"endTime":1652.35,"body":"to NRCS, schedule the"},{"speaker":"Eric Bowman","startTime":1652.35,"endTime":1655.38,"body":"conservationist, get that ball"},{"speaker":"Eric Bowman","startTime":1652.35,"endTime":1655.38,"body":"rolling. But I always tell"},{"speaker":"Eric Bowman","startTime":1655.38,"endTime":1658.2,"body":"people that that's a long,"},{"speaker":"Eric Bowman","startTime":1655.38,"endTime":1658.2,"body":"that's, you're playing the long"},{"speaker":"Eric Bowman","startTime":1658.2,"endTime":1661.95,"body":"game there. Which if you don't"},{"speaker":"Eric Bowman","startTime":1658.2,"endTime":1661.95,"body":"have the resources any other"},{"speaker":"Eric Bowman","startTime":1661.95,"endTime":1666.39,"body":"way, great, it's a huge"},{"speaker":"Eric Bowman","startTime":1661.95,"endTime":1666.39,"body":"resource. And I'm, I promise you"},{"speaker":"Eric Bowman","startTime":1666.39,"endTime":1669.78,"body":"the larger ranches and"},{"speaker":"Eric Bowman","startTime":1666.39,"endTime":1669.78,"body":"agricultural operations are"},{"speaker":"Eric Bowman","startTime":1669.78,"endTime":1673.32,"body":"absolutely taking advantage of"},{"speaker":"Eric Bowman","startTime":1669.78,"endTime":1673.32,"body":"those of those programs also."},{"speaker":"Jim","startTime":1673.0,"endTime":1677.8,"body":"If I were to reach out"},{"speaker":"Jim","startTime":1673.0,"endTime":1677.8,"body":"today, to NRCS, on the Big"},{"speaker":"Jim","startTime":1677.8,"endTime":1680.68,"body":"Island of Hawaii, do you have a"},{"speaker":"Jim","startTime":1677.8,"endTime":1680.68,"body":"sense of how long it might be"},{"speaker":"Jim","startTime":1680.68,"endTime":1686.26,"body":"before that greenhouse is built,"},{"speaker":"Jim","startTime":1680.68,"endTime":1686.26,"body":"and I'm reimbursed for the money"},{"speaker":"Jim","startTime":1686.26,"endTime":1688.45,"body":"that I'm out? If I were to go"},{"speaker":"Jim","startTime":1686.26,"endTime":1688.45,"body":"through NRCS for that?"},{"speaker":"Eric Bowman","startTime":1688.54,"endTime":1690.46,"body":"I would be"},{"speaker":"Eric Bowman","startTime":1688.54,"endTime":1690.46,"body":"astounded if it happened in less"},{"speaker":"Eric Bowman","startTime":1690.46,"endTime":1693.67,"body":"than six months, and maybe more"},{"speaker":"Eric Bowman","startTime":1690.46,"endTime":1693.67,"body":"like 18."},{"speaker":"Jim","startTime":1694.03,"endTime":1695.92,"body":"Okay, so let's say a year."},{"speaker":"Eric Bowman","startTime":1695.92,"endTime":1697.75,"body":"There's a couple"},{"speaker":"Eric Bowman","startTime":1695.92,"endTime":1697.75,"body":"things that need to fall into,"},{"speaker":"Eric Bowman","startTime":1697.75,"endTime":1698.23,"body":"but yeah,"},{"speaker":"Jim","startTime":1698.35,"endTime":1700.81,"body":"You say a year to be safe,"},{"speaker":"Jim","startTime":1698.35,"endTime":1700.81,"body":"yeah? Yeah,"},{"speaker":"Eric Bowman","startTime":1701.17,"endTime":1702.61,"body":"Then there's some"},{"speaker":"Eric Bowman","startTime":1701.17,"endTime":1702.61,"body":"things that need to fall into"},{"speaker":"Eric Bowman","startTime":1702.61,"endTime":1706.36,"body":"place there, right? Like, you"},{"speaker":"Eric Bowman","startTime":1702.61,"endTime":1706.36,"body":"need to be eligible, and you"},{"speaker":"Eric Bowman","startTime":1706.36,"endTime":1708.94,"body":"need to have a conservation plan"},{"speaker":"Eric Bowman","startTime":1706.36,"endTime":1708.94,"body":"that kind of substantiates the"},{"speaker":"Eric Bowman","startTime":1708.94,"endTime":1712.99,"body":"need for it. You know, somebody"},{"speaker":"Eric Bowman","startTime":1708.94,"endTime":1712.99,"body":"was gonna call me, and, you"},{"speaker":"Eric Bowman","startTime":1712.99,"endTime":1715.84,"body":"know, and I do get a lot of"},{"speaker":"Eric Bowman","startTime":1712.99,"endTime":1715.84,"body":"these calls where people like \"I"},{"speaker":"Eric Bowman","startTime":1715.84,"endTime":1719.02,"body":"need to greenhouse.\" and it's"},{"speaker":"Eric Bowman","startTime":1715.84,"endTime":1719.02,"body":"like, you know, it's kind of my"},{"speaker":"Eric Bowman","startTime":1719.02,"endTime":1722.14,"body":"job to think through like, what,"},{"speaker":"Eric Bowman","startTime":1719.02,"endTime":1722.14,"body":"How urgent is this? What"},{"speaker":"Eric Bowman","startTime":1722.17,"endTime":1725.68,"body":"resources do you have? What's"},{"speaker":"Eric Bowman","startTime":1722.17,"endTime":1725.68,"body":"the income that you have? Is"},{"speaker":"Eric Bowman","startTime":1725.68,"endTime":1732.43,"body":"there a place that you can tap"},{"speaker":"Eric Bowman","startTime":1725.68,"endTime":1732.43,"body":"existing assets? So to give you"},{"speaker":"Eric Bowman","startTime":1732.43,"endTime":1736.84,"body":"an example, you know, I spoke to"},{"speaker":"Eric Bowman","startTime":1732.43,"endTime":1736.84,"body":"a farmer, recently, who called"},{"speaker":"Eric Bowman","startTime":1736.84,"endTime":1743.05,"body":"me for loan inquiry on another"},{"speaker":"Eric Bowman","startTime":1736.84,"endTime":1743.05,"body":"island, an island that seen"},{"speaker":"Eric Bowman","startTime":1743.41,"endTime":1746.26,"body":"pretty explosive growth in real"},{"speaker":"Eric Bowman","startTime":1743.41,"endTime":1746.26,"body":"estate value the last two years"},{"speaker":"Eric Bowman","startTime":1746.26,"endTime":1749.56,"body":"under the pandemic conditions,"},{"speaker":"Eric Bowman","startTime":1746.26,"endTime":1749.56,"body":"and she actually needed a barn,"},{"speaker":"Eric Bowman","startTime":1749.59,"endTime":1756.97,"body":"a greenhouse, but for packing"},{"speaker":"Eric Bowman","startTime":1749.59,"endTime":1756.97,"body":"produce. And, you know, oh, you"},{"speaker":"Eric Bowman","startTime":1756.97,"endTime":1759.04,"body":"know, what's your adress? Okay,"},{"speaker":"Eric Bowman","startTime":1756.97,"endTime":1759.04,"body":"you know, just looking it up,"},{"speaker":"Eric Bowman","startTime":1759.04,"endTime":1761.02,"body":"pulled it up on Zillow. You"},{"speaker":"Eric Bowman","startTime":1759.04,"endTime":1761.02,"body":"know, she's like, \"Yeah, you"},{"speaker":"Eric Bowman","startTime":1761.02,"endTime":1764.05,"body":"know, we just paid $800,000 a"},{"speaker":"Eric Bowman","startTime":1761.02,"endTime":1764.05,"body":"couple years ago,\" I said,"},{"speaker":"Eric Bowman","startTime":1764.05,"endTime":1767.83,"body":"\"Well, it's worth $1.4 million"},{"speaker":"Eric Bowman","startTime":1764.05,"endTime":1767.83,"body":"now, you know, so you're not"},{"speaker":"Eric Bowman","startTime":1767.83,"endTime":1771.16,"body":"going to get a cheaper, longer"},{"speaker":"Eric Bowman","startTime":1767.83,"endTime":1771.16,"body":"interest rate, and at this point"},{"speaker":"Eric Bowman","startTime":1771.16,"endTime":1775.06,"body":"in time, then a home equity line"},{"speaker":"Eric Bowman","startTime":1771.16,"endTime":1775.06,"body":"of credit or cash out refinance."},{"speaker":"Eric Bowman","startTime":1775.06,"endTime":1777.31,"body":"So if you really do need,\" I"},{"speaker":"Eric Bowman","startTime":1775.06,"endTime":1777.31,"body":"think, in her case, she needed"},{"speaker":"Eric Bowman","startTime":1777.31,"endTime":1782.47,"body":"like about $150,000, you're"},{"speaker":"Eric Bowman","startTime":1777.31,"endTime":1782.47,"body":"gonna, you know, and if cash"},{"speaker":"Eric Bowman","startTime":1782.47,"endTime":1784.63,"body":"flow, you know, so I'm trying to"},{"speaker":"Eric Bowman","startTime":1782.47,"endTime":1784.63,"body":"figure out does she just, you"},{"speaker":"Eric Bowman","startTime":1784.63,"endTime":1789.79,"body":"know, there's, there's a loan"},{"speaker":"Eric Bowman","startTime":1784.63,"endTime":1789.79,"body":"program out, you could probably"},{"speaker":"Eric Bowman","startTime":1789.79,"endTime":1792.13,"body":"get like a seven-year,"},{"speaker":"Eric Bowman","startTime":1789.79,"endTime":1792.13,"body":"five-year, seven-year term and"},{"speaker":"Eric Bowman","startTime":1792.22,"endTime":1796.51,"body":"at a 4% interest rate, you know,"},{"speaker":"Eric Bowman","startTime":1792.22,"endTime":1796.51,"body":"probably do that quickly, or if"},{"speaker":"Eric Bowman","startTime":1796.51,"endTime":1799.15,"body":"you want to pull the money out,"},{"speaker":"Eric Bowman","startTime":1796.51,"endTime":1799.15,"body":"and then really stretch that out"},{"speaker":"Eric Bowman","startTime":1799.15,"endTime":1801.85,"body":"over a very long period of time,"},{"speaker":"Eric Bowman","startTime":1799.15,"endTime":1801.85,"body":"and in this instance, it was a,"},{"speaker":"Eric Bowman","startTime":1803.05,"endTime":1806.41,"body":"how do I say, it was a very long"},{"speaker":"Eric Bowman","startTime":1803.05,"endTime":1806.41,"body":"term asset, right? Like this was"},{"speaker":"Eric Bowman","startTime":1806.41,"endTime":1808.36,"body":"going to this was going to"},{"speaker":"Eric Bowman","startTime":1806.41,"endTime":1808.36,"body":"increase the value of a"},{"speaker":"Eric Bowman","startTime":1808.36,"endTime":1812.05,"body":"property. And it was going to be"},{"speaker":"Eric Bowman","startTime":1808.36,"endTime":1812.05,"body":"something that was going to be"},{"speaker":"Eric Bowman","startTime":1812.05,"endTime":1816.28,"body":"used for decades and decades to"},{"speaker":"Eric Bowman","startTime":1812.05,"endTime":1816.28,"body":"come. So in that kind of case,"},{"speaker":"Eric Bowman","startTime":1816.31,"endTime":1821.77,"body":"since it wasn't like a"},{"speaker":"Eric Bowman","startTime":1816.31,"endTime":1821.77,"body":"consumable, again, this is an"},{"speaker":"Eric Bowman","startTime":1821.77,"endTime":1825.52,"body":"example where NRCS, not a fit"},{"speaker":"Eric Bowman","startTime":1821.77,"endTime":1825.52,"body":"that at all, because it didn't"},{"speaker":"Eric Bowman","startTime":1825.52,"endTime":1830.68,"body":"really have any implications for"},{"speaker":"Eric Bowman","startTime":1825.52,"endTime":1830.68,"body":"resource conservation. But then,"},{"speaker":"Eric Bowman","startTime":1831.61,"endTime":1833.92,"body":"you know, then, you know, kind"},{"speaker":"Eric Bowman","startTime":1831.61,"endTime":1833.92,"body":"of my was my job working with"},{"speaker":"Eric Bowman","startTime":1833.92,"endTime":1837.49,"body":"her to figure out which, which"},{"speaker":"Eric Bowman","startTime":1833.92,"endTime":1837.49,"body":"sources of capital made the most"},{"speaker":"Eric Bowman","startTime":1837.49,"endTime":1840.55,"body":"sense for the project that she"},{"speaker":"Eric Bowman","startTime":1837.49,"endTime":1840.55,"body":"Ultimately I think she went up"},{"speaker":"Eric Bowman","startTime":1840.55,"endTime":1845.8,"body":"to the USDA. Just to comment, at"},{"speaker":"Eric Bowman","startTime":1840.55,"endTime":1845.8,"body":"the risk of babbling here a"},{"speaker":"Eric Bowman","startTime":1845.8,"endTime":1849.28,"body":"little bit, Jim, the USDA, we"},{"speaker":"Eric Bowman","startTime":1845.8,"endTime":1849.28,"body":"have, you know, Buddy Nichols"},{"speaker":"Eric Bowman","startTime":1849.28,"endTime":1853.45,"body":"has taken over the FSA, he was"},{"speaker":"Eric Bowman","startTime":1849.28,"endTime":1853.45,"body":"from Maui. He wasn't he was a"},{"speaker":"Eric Bowman","startTime":1853.45,"endTime":1856.99,"body":"very, I would say, aggressive"},{"speaker":"Eric Bowman","startTime":1853.45,"endTime":1856.99,"body":"about going out and supporting"},{"speaker":"Eric Bowman","startTime":1856.99,"endTime":1860.5,"body":"farmers and finding, you know,"},{"speaker":"Eric Bowman","startTime":1856.99,"endTime":1860.5,"body":"oh, we, you know, feel like we"},{"speaker":"Eric Bowman","startTime":1860.5,"endTime":1862.39,"body":"want to do this loan, it doesn't"},{"speaker":"Eric Bowman","startTime":1860.5,"endTime":1862.39,"body":"quite fit, how are we going to"},{"speaker":"Eric Bowman","startTime":1862.39,"endTime":1865.36,"body":"make this work into the Federal"},{"speaker":"Eric Bowman","startTime":1862.39,"endTime":1865.36,"body":"way. Very creative about trying"},{"speaker":"Eric Bowman","startTime":1865.36,"endTime":1870.85,"body":"to pull these programs into"},{"speaker":"Eric Bowman","startTime":1865.36,"endTime":1870.85,"body":"benefiting small farmers. And,"},{"speaker":"Eric Bowman","startTime":1870.88,"endTime":1872.86,"body":"you know, just talk with USDA"},{"speaker":"Eric Bowman","startTime":1870.88,"endTime":1872.86,"body":"staff around the around the"},{"speaker":"Eric Bowman","startTime":1872.86,"endTime":1875.14,"body":"state, like they feel this"},{"speaker":"Eric Bowman","startTime":1872.86,"endTime":1875.14,"body":"pressure, like I need to, I need"},{"speaker":"Eric Bowman","startTime":1875.14,"endTime":1878.65,"body":"to if if farmers need capital,"},{"speaker":"Eric Bowman","startTime":1875.14,"endTime":1878.65,"body":"we are here for them, if they"},{"speaker":"Eric Bowman","startTime":1878.65,"endTime":1881.92,"body":"can't get it elsewhere, from"},{"speaker":"Eric Bowman","startTime":1878.65,"endTime":1881.92,"body":"farm credit, or the bank, or"},{"speaker":"Eric Bowman","startTime":1881.92,"endTime":1885.97,"body":"wherever, like, we'll find a way"},{"speaker":"Eric Bowman","startTime":1881.92,"endTime":1885.97,"body":"to make this work. And it's a"},{"speaker":"Eric Bowman","startTime":1885.97,"endTime":1890.29,"body":"very good, I would say it's a"},{"speaker":"Eric Bowman","startTime":1885.97,"endTime":1890.29,"body":"very, I want to applaud the"},{"speaker":"Eric Bowman","startTime":1890.29,"endTime":1896.86,"body":"posture of the State Department"},{"speaker":"Eric Bowman","startTime":1890.29,"endTime":1896.86,"body":"of USDA, the State want to know"},{"speaker":"Eric Bowman","startTime":1896.86,"endTime":1901.42,"body":"the language or whatever, just"},{"speaker":"Eric Bowman","startTime":1896.86,"endTime":1901.42,"body":"the USDA, in our, in Hawaii is,"},{"speaker":"Eric Bowman","startTime":1901.54,"endTime":1904.6,"body":"is really there to find. You"},{"speaker":"Eric Bowman","startTime":1901.54,"endTime":1904.6,"body":"know, they come from a"},{"speaker":"Eric Bowman","startTime":1904.6,"endTime":1907.15,"body":"perspective of audit, a lot of"},{"speaker":"Eric Bowman","startTime":1904.6,"endTime":1907.15,"body":"commercial bankers start from a"},{"speaker":"Eric Bowman","startTime":1907.15,"endTime":1910.45,"body":"place of like, \"How do I say"},{"speaker":"Eric Bowman","startTime":1907.15,"endTime":1910.45,"body":"no?\" then I feel like they come"},{"speaker":"Eric Bowman","startTime":1910.48,"endTime":1912.58,"body":"from a place of like, \"Alright,"},{"speaker":"Eric Bowman","startTime":1910.48,"endTime":1912.58,"body":"how do we make this work?\""},{"speaker":"Jim","startTime":1912.0,"endTime":1915.06,"body":"Nice. And FSA stands for?"},{"speaker":"Eric Bowman","startTime":1915.72,"endTime":1918.33,"body":"Farm Service"},{"speaker":"Eric Bowman","startTime":1915.72,"endTime":1918.33,"body":"Agency, and the Farm Service"},{"speaker":"Eric Bowman","startTime":1918.33,"endTime":1924.12,"body":"Agency has farm loans, which is"},{"speaker":"Eric Bowman","startTime":1918.33,"endTime":1924.12,"body":"where this person went,"},{"speaker":"Eric Bowman","startTime":1924.12,"endTime":1928.05,"body":"ultimately, and then there's"},{"speaker":"Eric Bowman","startTime":1924.12,"endTime":1928.05,"body":"Farm Programs. And then the Farm"},{"speaker":"Eric Bowman","startTime":1928.05,"endTime":1934.17,"body":"Programs are like Disaster"},{"speaker":"Eric Bowman","startTime":1928.05,"endTime":1934.17,"body":"Recovery. We have some weird"},{"speaker":"Eric Bowman","startTime":1934.17,"endTime":1937.65,"body":"stuff here like, for example,"},{"speaker":"Eric Bowman","startTime":1934.17,"endTime":1937.65,"body":"the Remote Transportation Cost"},{"speaker":"Eric Bowman","startTime":1937.65,"endTime":1942.03,"body":"Program. It's not life-changing,"},{"speaker":"Eric Bowman","startTime":1937.65,"endTime":1942.03,"body":"but it's for any of these remote"},{"speaker":"Eric Bowman","startTime":1943.02,"endTime":1947.01,"body":"parts of the US and its"},{"speaker":"Eric Bowman","startTime":1943.02,"endTime":1947.01,"body":"territories like, you know,"},{"speaker":"Eric Bowman","startTime":1947.85,"endTime":1954.15,"body":"Samoa, American Samoa, Puerto"},{"speaker":"Eric Bowman","startTime":1947.85,"endTime":1954.15,"body":"Rico, Alaska, there's some"},{"speaker":"Eric Bowman","startTime":1954.18,"endTime":1957.06,"body":"unique things that they've set"},{"speaker":"Eric Bowman","startTime":1954.18,"endTime":1957.06,"body":"up to, you know, just to get a"},{"speaker":"Eric Bowman","startTime":1957.06,"endTime":1959.94,"body":"shovel here, right cost maybe"},{"speaker":"Eric Bowman","startTime":1957.06,"endTime":1959.94,"body":"20% more because of shipping, so"},{"speaker":"Eric Bowman","startTime":1959.94,"endTime":1961.68,"body":"they'll pay for a portion of"},{"speaker":"Eric Bowman","startTime":1959.94,"endTime":1961.68,"body":"that for example."},{"speaker":"Jim","startTime":1962.1,"endTime":1965.88,"body":"Great. Just to go back to"},{"speaker":"Jim","startTime":1962.1,"endTime":1965.88,"body":"that instance, where it was"},{"speaker":"Jim","startTime":1965.97,"endTime":1969.69,"body":"advisable to get a home equity"},{"speaker":"Jim","startTime":1965.97,"endTime":1969.69,"body":"loan would have you found that"},{"speaker":"Jim","startTime":1969.69,"endTime":1973.62,"body":"it's, you know, folks like like"},{"speaker":"Jim","startTime":1969.69,"endTime":1973.62,"body":"American Ag are make that"},{"speaker":"Jim","startTime":1973.62,"endTime":1977.85,"body":"process simpler than traditional"},{"speaker":"Jim","startTime":1973.62,"endTime":1977.85,"body":"banks? Or is it pretty much if"},{"speaker":"Jim","startTime":1977.85,"endTime":1980.73,"body":"you can get a home equity loan,"},{"speaker":"Jim","startTime":1977.85,"endTime":1980.73,"body":"go for it anywhere? Do you find"},{"speaker":"Jim","startTime":1980.73,"endTime":1984.51,"body":"that if there's an ag component"},{"speaker":"Jim","startTime":1980.73,"endTime":1984.51,"body":"to it, that there's more of a"},{"speaker":"Jim","startTime":1984.51,"endTime":1987.99,"body":"struggle unless you go with"},{"speaker":"Jim","startTime":1984.51,"endTime":1987.99,"body":"through a banking outfit that is"},{"speaker":"Jim","startTime":1987.99,"endTime":1988.71,"body":"familiar with it?"},{"speaker":"Eric Bowman","startTime":1989.05,"endTime":1991.72,"body":"Speaking broadly,"},{"speaker":"Eric Bowman","startTime":1989.05,"endTime":1991.72,"body":"what I always tell people to do"},{"speaker":"Eric Bowman","startTime":1991.72,"endTime":1995.59,"body":"is shop around, right? Get a"},{"speaker":"Eric Bowman","startTime":1991.72,"endTime":1995.59,"body":"couple of different quotes,"},{"speaker":"Eric Bowman","startTime":1995.62,"endTime":1998.89,"body":"bids, whatever you wanna call"},{"speaker":"Eric Bowman","startTime":1995.62,"endTime":1998.89,"body":"it, contact your primary lending"},{"speaker":"Eric Bowman","startTime":1998.89,"endTime":2002.85,"body":"institution reach out to the"},{"speaker":"Eric Bowman","startTime":1998.89,"endTime":2002.85,"body":"American Ag credit, because"},{"speaker":"Eric Bowman","startTime":2002.91,"endTime":2006.9,"body":"every lender has their own box."},{"speaker":"Eric Bowman","startTime":2002.91,"endTime":2006.9,"body":"The thing about your your, your"},{"speaker":"Eric Bowman","startTime":2006.93,"endTime":2012.96,"body":"your home loan servicer, or"},{"speaker":"Eric Bowman","startTime":2006.93,"endTime":2012.96,"body":"credit union or bank is that you"},{"speaker":"Eric Bowman","startTime":2012.96,"endTime":2018.6,"body":"know, the Feds back home loans,"},{"speaker":"Eric Bowman","startTime":2012.96,"endTime":2018.6,"body":"and has to fit in a box. It's"},{"speaker":"Eric Bowman","startTime":2018.6,"endTime":2023.64,"body":"called conventional mortgage"},{"speaker":"Eric Bowman","startTime":2018.6,"endTime":2023.64,"body":"lending. Qualified, qualifying"},{"speaker":"Eric Bowman","startTime":2023.64,"endTime":2025.44,"body":"mortgages, there are a couple"},{"speaker":"Eric Bowman","startTime":2023.64,"endTime":2025.44,"body":"different terms for this. So if"},{"speaker":"Eric Bowman","startTime":2025.44,"endTime":2029.4,"body":"you're in that box, boom, you're"},{"speaker":"Eric Bowman","startTime":2025.44,"endTime":2029.4,"body":"gonna get the standard kind of"},{"speaker":"Eric Bowman","startTime":2029.4,"endTime":2035.79,"body":"rate. So if you're in this case,"},{"speaker":"Eric Bowman","startTime":2029.4,"endTime":2035.79,"body":"it was like they were really it"},{"speaker":"Eric Bowman","startTime":2035.79,"endTime":2038.13,"body":"was a resi, for them, they would"},{"speaker":"Eric Bowman","startTime":2035.79,"endTime":2038.13,"body":"have gotten a residential"},{"speaker":"Eric Bowman","startTime":2038.13,"endTime":2040.8,"body":"refinance. So they're not"},{"speaker":"Eric Bowman","startTime":2038.13,"endTime":2040.8,"body":"exactly in a neighborhood, but"},{"speaker":"Eric Bowman","startTime":2041.16,"endTime":2044.79,"body":"they had they had a home that"},{"speaker":"Eric Bowman","startTime":2041.16,"endTime":2044.79,"body":"you could land on based with a"},{"speaker":"Eric Bowman","startTime":2044.79,"endTime":2049.92,"body":"conventional mortgage loan."},{"speaker":"Eric Bowman","startTime":2044.79,"endTime":2049.92,"body":"American Ag Credit is really"},{"speaker":"Eric Bowman","startTime":2049.92,"endTime":2053.28,"body":"looking at ag land. If there's a"},{"speaker":"Eric Bowman","startTime":2049.92,"endTime":2053.28,"body":"home on it, \"Yeah, that's fine."},{"speaker":"Eric Bowman","startTime":2053.28,"endTime":2056.43,"body":"We can do that too.\" but they're"},{"speaker":"Eric Bowman","startTime":2053.28,"endTime":2056.43,"body":"really looking at that, that the"},{"speaker":"Eric Bowman","startTime":2056.43,"endTime":2060.93,"body":"farmland so whereas it's like a"},{"speaker":"Eric Bowman","startTime":2056.43,"endTime":2060.93,"body":"totally different mindset. So"},{"speaker":"Eric Bowman","startTime":2060.93,"endTime":2065.31,"body":"bank is gonna, like ignore the"},{"speaker":"Eric Bowman","startTime":2060.93,"endTime":2065.31,"body":"farm element, because they don't"},{"speaker":"Eric Bowman","startTime":2065.31,"endTime":2068.76,"body":"that's not their Fannie and"},{"speaker":"Eric Bowman","startTime":2065.31,"endTime":2068.76,"body":"Freddie. American Ag credit,"},{"speaker":"Eric Bowman","startTime":2068.91,"endTime":2072.48,"body":"they're not really looking at"},{"speaker":"Eric Bowman","startTime":2068.91,"endTime":2072.48,"body":"it, conventional mortgage,"},{"speaker":"Eric Bowman","startTime":2072.48,"endTime":2076.2,"body":"residential loan, like that's"},{"speaker":"Eric Bowman","startTime":2072.48,"endTime":2076.2,"body":"not. You come to them for a farm"},{"speaker":"Eric Bowman","startTime":2076.35,"endTime":2078.66,"body":"that has a home on it, but"},{"speaker":"Eric Bowman","startTime":2076.35,"endTime":2078.66,"body":"they're lending on the farm and"},{"speaker":"Eric Bowman","startTime":2078.66,"endTime":2080.97,"body":"the farm income and your"},{"speaker":"Eric Bowman","startTime":2078.66,"endTime":2080.97,"body":"off-farm income. Does that make"},{"speaker":"Eric Bowman","startTime":2080.97,"endTime":2081.3,"body":"sense?"},{"speaker":"Jim","startTime":2081.33,"endTime":2084.54,"body":"Yes, that's helpful. I"},{"speaker":"Jim","startTime":2081.33,"endTime":2084.54,"body":"think it helps distinguish, who"},{"speaker":"Jim","startTime":2084.54,"endTime":2087.84,"body":"I might want to turn to and"},{"speaker":"Jim","startTime":2084.54,"endTime":2087.84,"body":"actually, it shows some variety"},{"speaker":"Jim","startTime":2087.84,"endTime":2091.35,"body":"that might be helpful to have in"},{"speaker":"Jim","startTime":2087.84,"endTime":2091.35,"body":"the mix as you're pursuing"},{"speaker":"Jim","startTime":2091.35,"endTime":2097.11,"body":"options. And I guess one thing"},{"speaker":"Jim","startTime":2091.35,"endTime":2097.11,"body":"about, you know, Kiva and NRCS"},{"speaker":"Jim","startTime":2097.11,"endTime":2100.68,"body":"are, are there's ceilings or"},{"speaker":"Jim","startTime":2097.11,"endTime":2100.68,"body":"floors to income? You've"},{"speaker":"Jim","startTime":2100.68,"endTime":2104.07,"body":"mentioned income levels that is"},{"speaker":"Jim","startTime":2100.68,"endTime":2104.07,"body":"potentially a factor and how"},{"speaker":"Jim","startTime":2104.07,"endTime":2106.98,"body":"much income you're able to"},{"speaker":"Jim","startTime":2104.07,"endTime":2106.98,"body":"generate or what assets you"},{"speaker":"Jim","startTime":2106.98,"endTime":2110.7,"body":"have. Are there certain floors"},{"speaker":"Jim","startTime":2106.98,"endTime":2110.7,"body":"or ceilings that one needs to"},{"speaker":"Jim","startTime":2110.7,"endTime":2114.36,"body":"either meet or would hit with"},{"speaker":"Jim","startTime":2110.7,"endTime":2114.36,"body":"those funding streams."},{"speaker":"Eric Bowman","startTime":2117.15,"endTime":2121.74,"body":"I think the in"},{"speaker":"Eric Bowman","startTime":2117.15,"endTime":2121.74,"body":"terms of a floor, that's going"},{"speaker":"Eric Bowman","startTime":2121.74,"endTime":2128.79,"body":"to depend on how much money you"},{"speaker":"Eric Bowman","startTime":2121.74,"endTime":2128.79,"body":"need to borrow. Every lender is"},{"speaker":"Eric Bowman","startTime":2128.79,"endTime":2131.19,"body":"going to at the end of the day,"},{"speaker":"Eric Bowman","startTime":2128.79,"endTime":2131.19,"body":"they're going to ask themselves,"},{"speaker":"Eric Bowman","startTime":2131.46,"endTime":2133.86,"body":"\"Can we reasonably expect to get"},{"speaker":"Eric Bowman","startTime":2131.46,"endTime":2133.86,"body":"our money back?\" I mean, it's"},{"speaker":"Eric Bowman","startTime":2133.86,"endTime":2139.14,"body":"unethical to lend somebody"},{"speaker":"Eric Bowman","startTime":2133.86,"endTime":2139.14,"body":"money, if you don't. And so if"},{"speaker":"Eric Bowman","startTime":2140.28,"endTime":2142.65,"body":"your loan payment, I'm just"},{"speaker":"Eric Bowman","startTime":2140.28,"endTime":2142.65,"body":"going to try and keep this super"},{"speaker":"Eric Bowman","startTime":2142.65,"endTime":2147.54,"body":"simple. If your loan payment is"},{"speaker":"Eric Bowman","startTime":2142.65,"endTime":2147.54,"body":"$1,000, they're gonna come"},{"speaker":"Eric Bowman","startTime":2147.57,"endTime":2150.0,"body":"there's a ratio in lending"},{"speaker":"Eric Bowman","startTime":2147.57,"endTime":2150.0,"body":"called the debt service, this is"},{"speaker":"Eric Bowman","startTime":2150.0,"endTime":2152.76,"body":"so advanced, it's just like not"},{"speaker":"Eric Bowman","startTime":2150.0,"endTime":2152.76,"body":"something, there's a debt"},{"speaker":"Eric Bowman","startTime":2152.76,"endTime":2155.79,"body":"service coverage ratio. So if"},{"speaker":"Eric Bowman","startTime":2152.76,"endTime":2155.79,"body":"you're, if you're if you want to"},{"speaker":"Eric Bowman","startTime":2155.79,"endTime":2158.91,"body":"borrow, if your loan payments"},{"speaker":"Eric Bowman","startTime":2155.79,"endTime":2158.91,"body":"gonna be $1,000 a month, they're"},{"speaker":"Eric Bowman","startTime":2158.91,"endTime":2162.54,"body":"gonna want to see that you're"},{"speaker":"Eric Bowman","startTime":2158.91,"endTime":2162.54,"body":"generating $1,000 a month, plus,"},{"speaker":"Eric Bowman","startTime":2162.96,"endTime":2170.07,"body":"let's call it 20%. So 1,200,"},{"speaker":"Eric Bowman","startTime":2162.96,"endTime":2170.07,"body":"$1,200 a month in, in excess"},{"speaker":"Eric Bowman","startTime":2170.07,"endTime":2172.83,"body":"revenue, that you're gonna be"},{"speaker":"Eric Bowman","startTime":2170.07,"endTime":2172.83,"body":"able to devote to that loan"},{"speaker":"Eric Bowman","startTime":2172.83,"endTime":2179.82,"body":"payment. And they don't really"},{"speaker":"Eric Bowman","startTime":2172.83,"endTime":2179.82,"body":"care if it comes from your W-2"},{"speaker":"Eric Bowman","startTime":2179.82,"endTime":2183.39,"body":"job, your day job, salary, job,"},{"speaker":"Eric Bowman","startTime":2179.82,"endTime":2183.39,"body":"W-2 job or if it comes from"},{"speaker":"Eric Bowman","startTime":2183.39,"endTime":2187.35,"body":"farming income, but it has to"},{"speaker":"Eric Bowman","startTime":2183.39,"endTime":2187.35,"body":"come from somewhere, right? And"},{"speaker":"Eric Bowman","startTime":2187.86,"endTime":2193.08,"body":"the USDA is really good about"},{"speaker":"Eric Bowman","startTime":2187.86,"endTime":2193.08,"body":"looking at, okay, you produce"},{"speaker":"Eric Bowman","startTime":2194.04,"endTime":2199.98,"body":"crop X. And, you know, let's say"},{"speaker":"Eric Bowman","startTime":2194.04,"endTime":2199.98,"body":"I'm trying to come up with"},{"speaker":"Eric Bowman","startTime":2199.98,"endTime":2205.14,"body":"something simple like coffee,"},{"speaker":"Eric Bowman","startTime":2199.98,"endTime":2205.14,"body":"you produce coffee, you have 10"},{"speaker":"Eric Bowman","startTime":2205.14,"endTime":2208.62,"body":"acres, you produce this many"},{"speaker":"Eric Bowman","startTime":2205.14,"endTime":2208.62,"body":"pounds per acre, you want to"},{"speaker":"Eric Bowman","startTime":2208.62,"endTime":2211.92,"body":"take on another lease, that's"},{"speaker":"Eric Bowman","startTime":2208.62,"endTime":2211.92,"body":"going to be 20 acres, you've"},{"speaker":"Eric Bowman","startTime":2211.92,"endTime":2216.42,"body":"demonstrated a capacity to"},{"speaker":"Eric Bowman","startTime":2211.92,"endTime":2216.42,"body":"generate X amount of income from"},{"speaker":"Eric Bowman","startTime":2216.63,"endTime":2220.32,"body":"X amount of acres. How's that"},{"speaker":"Eric Bowman","startTime":2216.63,"endTime":2220.32,"body":"gonna play out for this"},{"speaker":"Eric Bowman","startTime":2220.32,"endTime":2226.05,"body":"expansion? Right? Other lenders,"},{"speaker":"Eric Bowman","startTime":2220.32,"endTime":2226.05,"body":"Farm Credit for example, I don't"},{"speaker":"Eric Bowman","startTime":2226.05,"endTime":2228.06,"body":"know how much they can lend on"},{"speaker":"Eric Bowman","startTime":2226.05,"endTime":2228.06,"body":"that kind of a projection."},{"speaker":"Eric Bowman","startTime":2228.3,"endTime":2232.23,"body":"Right? But my point is, there's"},{"speaker":"Eric Bowman","startTime":2228.3,"endTime":2232.23,"body":"not necessarily a specific"},{"speaker":"Eric Bowman","startTime":2232.23,"endTime":2236.82,"body":"number that's going to be the"},{"speaker":"Eric Bowman","startTime":2232.23,"endTime":2236.82,"body":"floor. It's going to be based on"},{"speaker":"Eric Bowman","startTime":2237.84,"endTime":2240.45,"body":"how much you need, what it is"},{"speaker":"Eric Bowman","startTime":2237.84,"endTime":2240.45,"body":"that you're going to do with it,"},{"speaker":"Eric Bowman","startTime":2240.9,"endTime":2247.11,"body":"and how do I say, just your"},{"speaker":"Eric Bowman","startTime":2240.9,"endTime":2247.11,"body":"ability to be able to"},{"speaker":"Eric Bowman","startTime":2247.11,"endTime":2249.15,"body":"demonstrate that you'll be able"},{"speaker":"Eric Bowman","startTime":2247.11,"endTime":2249.15,"body":"to make those loan payment."},{"speaker":"Jim","startTime":2249.57,"endTime":2253.02,"body":"And the good good thing"},{"speaker":"Jim","startTime":2249.57,"endTime":2253.02,"body":"about having property in Hawaii,"},{"speaker":"Jim","startTime":2253.02,"endTime":2255.99,"body":"as you mentioned, it can be a"},{"speaker":"Jim","startTime":2253.02,"endTime":2255.99,"body":"million dollar property pretty"},{"speaker":"Jim","startTime":2255.99,"endTime":2259.35,"body":"quickly and easily these days,"},{"speaker":"Jim","startTime":2255.99,"endTime":2259.35,"body":"especially so will they look at"},{"speaker":"Jim","startTime":2259.35,"endTime":2261.45,"body":"that on a balance sheet and say,"},{"speaker":"Jim","startTime":2259.35,"endTime":2261.45,"body":"well, you have a million"},{"speaker":"Jim","startTime":2261.45,"endTime":2264.39,"body":"dollars, well, on you're sitting"},{"speaker":"Jim","startTime":2261.45,"endTime":2264.39,"body":"on your balance sheet of"},{"speaker":"Jim","startTime":2264.39,"endTime":2267.6,"body":"properties so you don't qualify"},{"speaker":"Jim","startTime":2264.39,"endTime":2267.6,"body":"because you have you have too"},{"speaker":"Jim","startTime":2267.6,"endTime":2271.05,"body":"much, too many assets, or too"},{"speaker":"Jim","startTime":2267.6,"endTime":2271.05,"body":"valuable an asset or are they,"},{"speaker":"Jim","startTime":2271.74,"endTime":2273.03,"body":"are you're not seeing that too"},{"speaker":"Jim","startTime":2271.74,"endTime":2273.03,"body":"much?"},{"speaker":"Eric Bowman","startTime":2273.75,"endTime":2276.0,"body":"I've never"},{"speaker":"Eric Bowman","startTime":2273.75,"endTime":2276.0,"body":"encountered that. I think that"},{"speaker":"Eric Bowman","startTime":2276.03,"endTime":2281.1,"body":"they would look at, they would"},{"speaker":"Eric Bowman","startTime":2276.03,"endTime":2281.1,"body":"look at your balance sheet as"},{"speaker":"Eric Bowman","startTime":2281.1,"endTime":2286.08,"body":"being I think they would"},{"speaker":"Eric Bowman","startTime":2281.1,"endTime":2286.08,"body":"evaluate that as a position of"},{"speaker":"Eric Bowman","startTime":2286.08,"endTime":2292.11,"body":"strength. And if it's going to"},{"speaker":"Eric Bowman","startTime":2286.08,"endTime":2292.11,"body":"be an asset-based loan, having"},{"speaker":"Eric Bowman","startTime":2292.11,"endTime":2296.04,"body":"equity in the property,"},{"speaker":"Eric Bowman","startTime":2292.11,"endTime":2296.04,"body":"particularly if there's going to"},{"speaker":"Eric Bowman","startTime":2296.04,"endTime":2301.62,"body":"be a mortgage against it, that"},{"speaker":"Eric Bowman","startTime":2296.04,"endTime":2301.62,"body":"would be very beneficial. You"},{"speaker":"Eric Bowman","startTime":2301.62,"endTime":2305.25,"body":"know, I will say that everyone,"},{"speaker":"Eric Bowman","startTime":2301.62,"endTime":2305.25,"body":"a lot of the people that I"},{"speaker":"Eric Bowman","startTime":2305.25,"endTime":2309.87,"body":"talked to, they're so focused on"},{"speaker":"Eric Bowman","startTime":2305.25,"endTime":2309.87,"body":"paying their farm off, they may"},{"speaker":"Eric Bowman","startTime":2309.87,"endTime":2314.25,"body":"be unwell in other portions of"},{"speaker":"Eric Bowman","startTime":2309.87,"endTime":2314.25,"body":"the world, in the corporate"},{"speaker":"Eric Bowman","startTime":2314.25,"endTime":2317.13,"body":"world, or whatever. And then"},{"speaker":"Eric Bowman","startTime":2314.25,"endTime":2317.13,"body":"they, they have a retirement,"},{"speaker":"Eric Bowman","startTime":2317.31,"endTime":2320.73,"body":"they bought this land. And I"},{"speaker":"Eric Bowman","startTime":2317.31,"endTime":2320.73,"body":"mean, a lot of people who are, I"},{"speaker":"Eric Bowman","startTime":2320.73,"endTime":2324.99,"body":"would say like land rich and"},{"speaker":"Eric Bowman","startTime":2320.73,"endTime":2324.99,"body":"cash poor. They're millionaires"},{"speaker":"Eric Bowman","startTime":2325.05,"endTime":2331.26,"body":"in land, and they are struggling"},{"speaker":"Eric Bowman","startTime":2325.05,"endTime":2331.26,"body":"to pay their bills. And I don't"},{"speaker":"Eric Bowman","startTime":2331.26,"endTime":2333.78,"body":"necessarily agree that this was"},{"speaker":"Eric Bowman","startTime":2331.26,"endTime":2333.78,"body":"the best way to organize"},{"speaker":"Eric Bowman","startTime":2333.78,"endTime":2337.35,"body":"society. But we really"},{"speaker":"Eric Bowman","startTime":2333.78,"endTime":2337.35,"body":"financialized assets."},{"speaker":"Jim","startTime":2338.25,"endTime":2340.62,"body":"We would like to thank Eric"},{"speaker":"Jim","startTime":2338.25,"endTime":2340.62,"body":"for sharing all this great"},{"speaker":"Jim","startTime":2340.62,"endTime":2343.59,"body":"information about small loans"},{"speaker":"Jim","startTime":2340.62,"endTime":2343.59,"body":"and grant options available to"},{"speaker":"Jim","startTime":2343.59,"endTime":2346.95,"body":"Hawaii egg producers, and also"},{"speaker":"Jim","startTime":2343.59,"endTime":2346.95,"body":"for offering to be a resource to"},{"speaker":"Jim","startTime":2346.95,"endTime":2351.93,"body":"help them in our 2022 survey of"},{"speaker":"Jim","startTime":2346.95,"endTime":2351.93,"body":"nearly 350 ag producers in"},{"speaker":"Jim","startTime":2351.93,"endTime":2355.65,"body":"Hawaii, financial issues like"},{"speaker":"Jim","startTime":2351.93,"endTime":2355.65,"body":"Debt and Cash Flow, we're near"},{"speaker":"Jim","startTime":2355.65,"endTime":2359.07,"body":"the top of their list of things"},{"speaker":"Jim","startTime":2355.65,"endTime":2359.07,"body":"that cause them stress. So we"},{"speaker":"Jim","startTime":2359.07,"endTime":2361.98,"body":"hope this information from Eric"},{"speaker":"Jim","startTime":2359.07,"endTime":2361.98,"body":"will prove helpful to many of"},{"speaker":"Jim","startTime":2361.98,"endTime":2362.22,"body":"you."},{"speaker":"Eric Bowman","startTime":2363.23,"endTime":2368.03,"body":"And what value is"},{"speaker":"Eric Bowman","startTime":2363.23,"endTime":2368.03,"body":"it to you to have a million"},{"speaker":"Eric Bowman","startTime":2368.03,"endTime":2371.75,"body":"dollars in land and not be able"},{"speaker":"Eric Bowman","startTime":2368.03,"endTime":2371.75,"body":"to do anything with it, right? A"},{"speaker":"Eric Bowman","startTime":2371.75,"endTime":2379.58,"body":"pile of cash and a farm"},{"speaker":"Eric Bowman","startTime":2371.75,"endTime":2379.58,"body":"farmland, it's dead until until"},{"speaker":"Eric Bowman","startTime":2379.58,"endTime":2382.67,"body":"humans come into it and engage"},{"speaker":"Eric Bowman","startTime":2379.58,"endTime":2382.67,"body":"it and do things and hire people"},{"speaker":"Eric Bowman","startTime":2382.7,"endTime":2388.31,"body":"and irrigate it and feed it and"},{"speaker":"Eric Bowman","startTime":2382.7,"endTime":2388.31,"body":"till it and and put it into,"},{"speaker":"Eric Bowman","startTime":2388.64,"endTime":2397.31,"body":"martial it into action. You"},{"speaker":"Eric Bowman","startTime":2388.64,"endTime":2397.31,"body":"know, and it is enviable, to be"},{"speaker":"Eric Bowman","startTime":2397.31,"endTime":2401.72,"body":"able to like own land outright."},{"speaker":"Eric Bowman","startTime":2397.31,"endTime":2401.72,"body":"generate enough revenue from it."},{"speaker":"Eric Bowman","startTime":2402.29,"endTime":2409.04,"body":"But is that equities highest and"},{"speaker":"Eric Bowman","startTime":2402.29,"endTime":2409.04,"body":"best use, sitting, locked away"},{"speaker":"Eric Bowman","startTime":2409.25,"endTime":2413.0,"body":"in just simply the real estate?"},{"speaker":"Jim","startTime":2414.86,"endTime":2417.47,"body":"I think yeah, I think"},{"speaker":"Jim","startTime":2414.86,"endTime":2417.47,"body":"that's maybe a great way to end."},{"speaker":"Jim","startTime":2417.47,"endTime":2421.79,"body":"I know you have to go. I kindaʻ"},{"speaker":"Jim","startTime":2417.47,"endTime":2421.79,"body":"I like that as a summary."},{"speaker":"Jim","startTime":2422.84,"endTime":2426.89,"body":"Breathe, breathe life into your"},{"speaker":"Jim","startTime":2422.84,"endTime":2426.89,"body":"into your land and and use your"},{"speaker":"Jim","startTime":2426.89,"endTime":2432.53,"body":"money to have something that"},{"speaker":"Jim","startTime":2426.89,"endTime":2432.53,"body":"brings life to the land. Perhaps"},{"speaker":"Jim","startTime":2433.38,"endTime":2436.8,"body":"The intention of this podcast"},{"speaker":"Jim","startTime":2433.38,"endTime":2436.8,"body":"series is to create a safe space"},{"speaker":"Jim","startTime":2436.83,"endTime":2439.95,"body":"for respectful and inclusive"},{"speaker":"Jim","startTime":2436.83,"endTime":2439.95,"body":"dialogue. With people from"},{"speaker":"Jim","startTime":2439.95,"endTime":2443.01,"body":"across a broad and diverse"},{"speaker":"Jim","startTime":2439.95,"endTime":2443.01,"body":"spectrum involved in growing and"},{"speaker":"Jim","startTime":2443.01,"endTime":2447.18,"body":"making accessible the food we"},{"speaker":"Jim","startTime":2443.01,"endTime":2447.18,"body":"share together. A diversity of"},{"speaker":"Jim","startTime":2447.18,"endTime":2450.72,"body":"voices, perspectives and"},{"speaker":"Jim","startTime":2447.18,"endTime":2450.72,"body":"experiences can serve to deepen"},{"speaker":"Jim","startTime":2450.72,"endTime":2454.62,"body":"mutual understanding, to spark"},{"speaker":"Jim","startTime":2450.72,"endTime":2454.62,"body":"creative problem solving, and"},{"speaker":"Jim","startTime":2454.62,"endTime":2457.38,"body":"provide insight into the"},{"speaker":"Jim","startTime":2454.62,"endTime":2457.38,"body":"complexities of our agricultural"},{"speaker":"Jim","startTime":2457.38,"endTime":2462.09,"body":"system. If you, our listeners,"},{"speaker":"Jim","startTime":2457.38,"endTime":2462.09,"body":"have experiences with Hawaii"},{"speaker":"Jim","startTime":2462.09,"endTime":2466.59,"body":"agricultural ecosystems, from"},{"speaker":"Jim","startTime":2462.09,"endTime":2466.59,"body":"small holder-farms to large,"},{"speaker":"Jim","startTime":2466.65,"endTime":2469.29,"body":"even including multinational"},{"speaker":"Jim","startTime":2466.65,"endTime":2469.29,"body":"agricultural, industrial"},{"speaker":"Jim","startTime":2469.29,"endTime":2472.41,"body":"companies, or anywhere in"},{"speaker":"Jim","startTime":2469.29,"endTime":2472.41,"body":"between, and you would like to"},{"speaker":"Jim","startTime":2472.41,"endTime":2476.79,"body":"share your story, please contact"},{"speaker":"Jim","startTime":2472.41,"endTime":2476.79,"body":"us. We welcome your voices and"},{"speaker":"Jim","startTime":2476.79,"endTime":2477.69,"body":"perspectives."},{"speaker":"Jim","startTime":2478.44,"endTime":2481.62,"body":"And thank you for listening to"},{"speaker":"Jim","startTime":2478.44,"endTime":2481.62,"body":"the Seeds of Wellbeing \"Experts"},{"speaker":"Jim","startTime":2481.65,"endTime":2484.77,"body":"in the Field\" podcast featuring"},{"speaker":"Jim","startTime":2481.65,"endTime":2484.77,"body":"the perspectives of service"},{"speaker":"Jim","startTime":2484.77,"endTime":2487.68,"body":"providers working to support ag"},{"speaker":"Jim","startTime":2484.77,"endTime":2487.68,"body":"producers in the Hawaiian"},{"speaker":"Jim","startTime":2487.68,"endTime":2491.91,"body":"Islands, the United States and"},{"speaker":"Jim","startTime":2487.68,"endTime":2491.91,"body":"beyond. If you found it helpful,"},{"speaker":"Jim","startTime":2491.94,"endTime":2495.69,"body":"please follow like and share"},{"speaker":"Jim","startTime":2491.94,"endTime":2495.69,"body":"this episode. If you have ideas"},{"speaker":"Jim","startTime":2495.69,"endTime":2498.36,"body":"about how we can make it better,"},{"speaker":"Jim","startTime":2495.69,"endTime":2498.36,"body":"please let us know in the"},{"speaker":"Jim","startTime":2498.36,"endTime":2500.4,"body":"comments or use the link on our"},{"speaker":"Jim","startTime":2498.36,"endTime":2500.4,"body":"website."}]}