Latest / Auto Collabs / War Stories From the F&I Office with Rudy Graff

Transcript

War Stories From the F&I Office with Rudy Graff · Auto Collabs

0:00
So Michael- Mm-hmm. [laughs] Yes? Kyle just says, "Uh-uh." [laughs] He doesn't even know what I'm gonna ask. He's like, "I don't wanna hear it." [upbeat music] This is Auto Collab. [laughs] I don't know.
0:17
I'm nervous. So there's literally a port-a-potty across from my window now because- Oh, no... there's a construction site. You gotta... Are you still on this port-a-potty thing?
0:25
No, I actually, I actually, like, I started recording, like, the, the, the video where I kick the door open and I come out and I say something clever. Yeah.
0:35
Um, I can't remember what I said, and I don't know where the footage is, but I bet it's gonna be awesome if I find it. [laughs] That's, that's really it. That's the whole story. That's the whole story. Thanks.
0:45
I wanted to be excited about it and be like, "Oh, you know what? That reminds me of a port-a-potty-" "This one time-... I..."... that I kicked in a port-a-potty door, it was awesome."
0:54
[laughs] Dude, there was- Yeah, one time-... there was some antics going on with port-a-potties when you were in college. Don't- Speaking of port-a-potties, you know, one ti- [laughs] Where is he gonna take this one?
1:01
One time I was in an office and both... Th- we had... Y- you know, every office has one of those people that you're like, "How do you get any work done when you're in the bathroom for, like, seven hours of a day," right?
1:13
And we had one of those scenarios, and I had to go to the bathroom so bad, so I full-on committed to getting in my truck and driving back to my house, and my car broke down on the way home. Oh, no. No.
1:24
Guys- That's a bad one. I'm waiting- That's a-... for the segue. Like, I'm just trying to g- feed material to Kyle, G- There's-... GPT Kyle, and I'm like, "What is he gonna do with that?"
1:33
Well, I have another story that, I mean, if he has one, I have another one that kinda tags onto that. [laughs] I'm like, "What's Kyle gonna do with this?" I don't think we should keep tagging on port-a-potty stories.
1:40
I think there's a- Well, this isn't a port-a-potty. This is a regular bathroom story. Oh, no. My office in the last building we were at, I wasn't even thinking this through, but it was across from the bathrooms, right?
1:50
And so, like- That's a problem... I kept my door shut a lot, but the real deal is that I had to move my desk to the other side of the office because it was really weird when people are go-...
2:00
Like, I could make eye contact, right? And so I was like, I have- As they were going in and out? [laughs] Yeah. Speaking of offices that are normally across from the bathroom. Oh, that's a great segue, actually.
2:11
It's really true, right? Because the F&I office- That is a great segue... normally down the hall, back to the right, then across from the bathroom. Dude, you nailed that one. We're talking, we're talking- Wow...
2:19
to Rudy today. He's, uh, a, a storied F&I manager in the auto industry, now works with Comply Auto after, uh, being with Galpin for so long. Mm-hmm.
2:28
And I'm excited to hear his stories because, uh, you know, like, if someone's been in the business for a while and they were anywhere around the F&I office, like, they know about- They've seen stuff... the car business.
2:38
They've seen stuff, um- Good, the bad, and the ugly. The... We're not gonna keep talking about port-a-potties, but we will probably talk a lot about F&I and the stories in the car business.
2:46
We hope you enjoy this conversation with Rudy. [upbeat music] All right, we got Andy "Rudy" Graf, and I said that on, on purpose- [laughs]... because my first question is, you know what I gotta ask.
2:59
We gotta know, how'd you get the name Rudy, boss? [laughs] Well, that's my, uh, F&I, uh, character. That's, uh, when I get into a form, working in the F&I office. Really? Yeah, yeah. That's awesome. I worked in F&I.
3:12
So was that, like, a, w-... That was, like, a crew? Did, did someone name you or did you name yourself? No, it was a little bit of a joke. It just stuck with me all these years, so years later they called me that.
3:23
I think may have been... I, I started so long ago in the business, and it was, like, back then it was a little bit of the Wild West in F&I.
3:31
And so sometimes maybe you'd kinda wanna keep your head down and maybe, you know, you didn't wanna let the customer know what your real name was in case there was a little heat in that deal- Oh. [laughs]...
3:38
boomeranging back. Oh, boy So maybe if they ask for Rudy- You were Rudy... as opposed to Andy, they would be like, "Oh-" Everybody knows... "Hey, where's Rudy? Who's Rudy?" [laughs] Wow.
3:49
That's a blast from the past right there. That's the best. That means you've been in the business a hot minute. Yeah. Take us back. Like, what, what, what did getting into this business look like?
3:58
'Cause, uh, sounds like you, you've seen, you've seen it all 'cause maybe where that, where that heart came from isn't where you are now, but where did it start? Oh, man, it started a long time ago.
4:07
I actually was in real estate, and if anybody remembers, 'cause I'm dating myself, in '89 there was a big real estate recession.
4:14
So there was an ad in the newspaper, said, "Train for a recession-proof career in the automobile business." So I'm thinking, "Okay, it's 1990. Let's go for it." And so I did- That's a great ad... never, ever work there.
4:26
And right before that I go to an F&I office. This is a true story. So I go with my friend to go buy a car. This guy's quoting us a payment. Now, it's a packed payment. I don't know anything about it.
4:34
It's got lag in it, as they called it. And they're telling him the payment's 333. And I'm pretty good with math, so I'm telling the guy, "It's not 333. It's 300." So we go through the whole process.
4:44
We're in F&I and I'm challenging the guy. I'm like, "Print the damn form out. I'm telling you it's 300. It's not 333." I'm like the, the, the second baseman from hell, right? [laughs] So the guy's like, "Fine."
4:55
He prints the thing out. Payment's $300 a month. I'm telling my friend, "See? I told you it's $300 a month." I'm so naive, I have no idea what a lag is.
5:04
I don't realize that this payment's been packed so they could sell him product for, like, you know, $10 more you get the $6,000 extended service contract, right? [laughs] Isn't that a deal, right?
5:13
And, you know, even though math is always the same, this is how they sold back then in the, in the early '90s, right? And so I'm, I'm dumbfounded by the whole thing.
5:22
And so putting two and two together I'm thinking, "This guy's an idiot. Doesn't know math. I'm good at math. I need a new job 'cause I got blown out of real estate 'cause of the recession. So guess what I'm gonna do?
5:32
I'm gonna train for a recession-proof career being a finance guy in a car dealership." So I go to the first interview, the second interview. They're like, "Uh, it don't work that way, son."
5:41
[laughs] "You gotta work the line," right? "You gotta go sell cars." Ah, yeah. [laughs] And so one by one everybody's telling- He's like, "It's just math. I knew it was 300 before I knew anything," right? Yeah. Right.
5:52
[laughs] So I finally get my first job. The guy's like, "Don't worry, you're g-" You know, like the, the Italian. "Don't worry, you'll get the job." Don't worry. And so I find out- It's all right. Yeah. [laughs]...
6:01
I'm not in F&I. I'm on the phones in F&I. I'm not a finance guy. I'm cold calling customers- [laughs]... trying to sell product and get them back in the store.
6:10
I'm working for the F&I director who also d- moonlights as the leasing manager, so I'm calling lease customers trying to sell product and get them, you know, to not buy out their cars, to come back in.
6:19
I did that for, like, two years. Finally, I'm begging and pleading to be a salesperson at this organization and they're like, "You know, son-"You can't sell cars here without experience.
6:28
I'm like, "I've been here for two years." They're like, "Yeah." [laughs] And I'm like, "You're telling me I gotta go work somewhere else, sell cars for a year or two, and then come back?" And they're like, "Yep." No way.
6:37
And I'm like, "What?" No way. I'm like, "I- I've been a good employee- What a mess... for two years," right? Working the phones, cold calling people. Like, that's how it works. Said, "But, there's a but.
6:47
I got one option for you." I'm like, "What's that?" He goes, "You handle the lemon law customers." I'm like, "How bad can those people be," right? Yeah. They're not good. They're happy. But they're- They're excited...
6:56
super... Yeah. [laughs] They love their car. Super happy with you. Everything's going fine. They're not stressed, they're not worried about anything, and they have a really high- [laughs]...
7:04
view of the s- the store at that point. Oh, yeah. They love everybody, right? [laughs] I mean, and you wanna talk about, they are relentless. They will figure out what your home phone...
7:13
You know, back then barely, you know, cell phones were coming out. They figure out your home phone. They're doing site visits.
7:19
They're showing up just nagging you to death because, you know, to get to lemon law you gotta get pretty far down the, the path, right? Back then too. Yeah. It wasn't even close to what it was now. Right.
7:28
Like, now it's like, oh, the third thing. Yeah. Everyone knows it's gonna happen. Right. Back then it was like, no. It was brutal. And so these people were the worst of the worst.
7:37
They were just, like, haters of everything, and they just were driving me crazy. Anyways, long story short, like, I did that for a year. It almost cost me a divorce, almost cost me my job.
7:47
[laughs] And after a year of doing it for the company, like, you know, take one for the team, if you will, they're like, "Okay, now you can go sell cars. And by the way, you know, you're not gonna get any leads.
7:57
You gotta go get your own leads." [laughs] "You gotta work your way up." So I did that for a couple years, and then I finally got my shot in F&I. And so then I started, you know, doing the F&I gig.
8:06
Hey, I w- See, I love it... I'd like, I'd love to talk about, like, so you've obviously seen the industry from a, a different era actually. Like, what you're talking about, the way F&I worked and the way- Yep...
8:16
uh, compliance worked was a whole different world than it is today. And now compliance is, you know, front and center. Uh, sophistication is growing rapidly because of technology.
8:27
And, you know, compliance is, is- Yeah... it's not as much a conversation of if it's when, right? If someone's gonna find something, right? 'Cause you can always... I can't remember who it was.
8:38
They said, "Somebody can always find something," right? Like, if you, if you're looking hard enough, you'll always be able to find something wrong with something. Right.
8:45
And a lot of, a lot of it is like how can you be as certain as possible that mistakes are getting caught, and that you have the ability to say like, "We've been doing extreme diligence to make sure we are compliant"?
8:56
How would you explain the modern compliance environment, especially now that all this new AI tech is being quickly injected into the industry? So great question regarding the compliance of, of today.
9:09
Uh, yeah, a lot different than it was in the early '90s. No question about it. Um, I, I believe now, 'cause I work in California, and it's very litigious, and
9:19
I think a lot of the lemon law lawyers that you see out there, they, they don't- they're not even trying to go for a lemon law. They wanna look at the deal. That's what they want.
9:28
They're on what I call the fishing expedition because there's gonna be something wrong. It's not an if, it's a when. There's, there's hardly ever a clean deal out there.
9:37
Every deal has got some sort of problem with it, and the question is when do you catch it and how much does it cost you? So you wanna get in front of that as- Hmm... quickly as possible.
9:47
I mean, the truth is, and, and in my kinda later roles in my career in the car business, I was, I, I was the VP of sales, and when we trained F&I people, you know, and I know there's a lot of...
9:59
A- and I think this is gonna probably raise some, um, uh, eyebrows out there, but a lot of people say finance people are out there to make money, but the f- primary function of a finance person, their first and foremost function isn't selling product, it's protecting the store.
10:14
Protect the dealership. Right. Exactly. That's right. And if they're not protecting the dealership and they're putting money in front of that, that's where you start getting real problems.
10:21
And I'm not saying that they shouldn't do both. They should protect the store and make money for the store, absolutely, and they should make sure the customer has a great experience. So all three of those things.
10:32
But how do you do all three of those things? Cur- you know, how do you do it all, right? And a lot of finance people today were really just salespeople that just were better salespeople.
10:42
They just did a better job than everybody else, so now they're the, the finance guy. And- Yeah, they're not lawyers. Right. [laughs] And they weren't great with paperwork- Yeah... last time as a salesperson.
10:54
I mean, I'll tell you, I, I was never great with paperwork, but I got better in finance. I wasn't perfect, right? You know who the best people with paperwork are?
11:03
They're the people in the business office that send the deal back to you going, "Dumbass-" A billing clerk "... you missed this again," right? A billing clerk- They're the best... is amazing at paperwork.
11:11
[laughs] I'm telling you. [laughs] True story. One of our biggest competitors had multi rooftops down the street from us, did exactly that. Kicked out all the F&I people.
11:23
Literally phased them all out, got rid of them, said, "You can go be salespeople or F&I people somewhere else, wherever you want. We're closing down the F&I people."
11:29
They took all the billing clerks and made them F&I people. Ugh. And you know what? The paperwork is perfect, but they didn't sell anything. [laughs] Right. Right? So it was like, it was like an epic disaster, right?
11:40
They got it. So they're like, "Okay, this isn't gonna work." So then they replaced all those people, you know, with F&I people and the pendulum swung the other way again, right?
11:49
Now suddenly, you know, they're selling, grosses are good, but the paperwork sucked, right? And so- Well, and honestly, like-... how do you find that perfect person?... I, I think about this. I think about this, Rudy.
12:00
You've got a deal jacket that's typically maybe slightly less the size of a mortgage, right?
12:08
Like, mortgage is this thick, right, these days, and you just, like, barely move your fingers down and that's, that's an automotive deal jacket. Yes. Yep.
12:17
A mortgage takes anywhere between 45 and 60 days to prepare, has multiple people preparing the documents alongside realtors that are re-inspecting those documents, multiple checkpoints, notaries- Yeah...
12:33
that are actually on site. Like-This- That's a great point... incredibly complex system to just a slight, just a little bit bigger of a deck.
12:44
[laughs] And F&I managers and the F&I process, whether it's single point of contact or F&I managers, are responsible for that level of- Yeah... prudence in, like, everybody- Yeah...
12:54
is going, "How do I get them in the F&I office in 7 to 10 minutes so they don't, so they don't, uh, expire their yeses or, or, or maintain?" Like, that's a brutal- Yeah... proposition, to be quite honest. Yeah.
13:05
Like, when you put, when you square it, right, with similar type of transaction. That's a good point. Yep. You're absolutely right. I... You know, F&I people- He likes, "Don't remind me." [laughs] How did you de- Yeah.
13:18
[laughs] How did you deal with it? Like, when you were in the, in, in the d- in the office, how did you deal with it? Was it... Did you, like... Was it checklists? Was it process? Was it some of all of the above?
13:27
Did you have, like... What, what was your process before you, before there was, like, more technology introduced to, like, deal jacket printing and stuff like that? It was dot matrix. 'Cause you were dot matrix, right?
13:39
It was like, ah. Oh, that sound. Impact pr- That sound. Oh, I was before dot matrix. I was with the impact, uh, printers- Impact... that had the fricking daisy wheel- Oh. Oh, yeah...
13:50
that used to, like, have every letter in the alphabet and a couple characters- Whoa... and numbers, and it would circle around. That's old. That's real old. You remember that? That was old school. That's real old school.
13:59
Holy cow. Yeah. We should have one of those at a soda machine. Well, but, I mean, we're shifting, right? And, uh, uh, and it's kinda good because we have much more compliance coming down the pipe, right?
14:08
And, and we're looking. We're still staring down the barrel of whatever the new iteration- Yeah... of the CARS rule. Even that's been, that's been kind of put to the, to put to bed.
14:17
But there will be something new that arises, um, uh, uh, probably at less impact, but we're staring down the barrel of, like, significantly more compliance than we even had, like, three or four years ago.
14:28
What's the new trend looking like? I think leveraging AI is the, the way everybody's going. I think using AI to improve speed, improve processes, um, consistency,
14:44
reliability, thoroughness, I, I, I think that's the way it's going. Well, give us some, give us some practical outputs- And those people-...
14:49
of that because I think one of the things that I think people hear all the time is, "We're gonna leverage AI."
14:56
So can you give a couple specific instances in F&I how AI c- I think that helps people wrap their mind around, like, "Oh, it can do that?" Or, "It can ma- now I don't have to do that anymore?"
15:07
Could you, like, just kinda, like, talk to the back of the class- Yeah... for us for a minute? Yeah. So, uh, imagine looking at a driver's license and seeing an address, right?
15:19
And then somebody takes that address and types in the address onto another form, CRM, DMS, whatever, right? You ever do that yourself in real life? You take some information.
15:32
I mean, I hate it, too, like, where you go and, and the autofill feature isn't there. You gotta then take the information. Like, maybe it's a credit card number- Yeah... right?
15:40
Or, you know, have you ever gone to a bank where you wanted to, like, copy... You got some password keeper, and you wanna copy your password 'cause it's 16 characters and it's complicated- Yes...
15:48
and you wanna paste it into a field, but the fricking website won't let you paste it. You're gonna make me angry. So now you gotta sit there and paint- The longer you talk, the angrier I get...
15:56
and you gotta painstakingly type it. And, like, reference- Imagine doing that over and over and over again. Ugh. Yes.
16:04
[laughs] Doing that over and over again 16 times, 20 times in a day, 'cause every F&I deal you're double-checking an address of a person, right? Mm-hmm.
16:15
But you gotta make sure that what's on the driver's license matches the paperwork. So what do you do?
16:19
You take a piece of paper that you print out, and you hand it to the customer, and you say, "Hey, double-check that I spelled your name correctly and double-check that I put the address right," right?
16:28
And they look at it, and they go, "Yep. Looks right." But guess what? It's not right. They themselves missed the typo, right? All the time. You transposed two numbers, or you forgot the apartment number.
16:37
There's not a dealership I talk to today that says that doesn't happen. Well, guess wh- who doesn't fail that test? AI doesn't fail that test. Ever. It catches it every time. Ever. Hmm. It just catches it.
16:50
It just sees it. It ca- so obvious to it 'cause what we see as numbers, I don't know how AI works exactly, but it sees it as data, and it says it needs to be a perfect match or it's not a match, right?
17:01
And it catches it every time. That's what AI's doing. Now, that's what we're doing with our tool, and that's just, like, that's, like, what? Less than 1/10th of 1% of what it's doing. Mm-hmm.
17:12
But it's critical because the byproduct of that seems like not a big deal, but check this out. What happens is the bank doesn't process the payment coupon to the right address.
17:24
So the guy waits 90 days before somebody starts calling from the bank going, "Hey, you haven't made your first payment or your second payment. What gives?" Yeah. Right?
17:33
He knows darn well that he should've paid the payment, but he's using the wrong address as an excuse. Go... Guess what the next call is? Call the dealer, "It's not my fault you sent it to the wrong address."
17:45
Well, it kinda is. You knew you had a payment due in 45 days. So he's blaming it on the dealer. Right. So now the dealer's gotta call in a favor with the bank.
17:54
And that, that doesn't stop there because now, in a year from now, when he doesn't get his registration renewal and it misses the address, right?
18:02
Because it goes to the neighbor's address or the address on another str- Yeah... whatever, right? Doesn't go to the right apartment. Guess who the next call is? They're like, "Oh, yeah, I got pulled over.
18:10
My registration's late." Well, he didn't wanna pay the money in the first place. Now there's penalties. Guess who he's calling again? Yeah. Yeah. The dealer, saying, "You screwed up my address. I didn't get the renewal.
18:18
I'm not paying these fees." And the good dealers, the dealers who really care about customer service and doing things right- They're gonna take care of it... they go, "Okay." Absolutely. "Okay." Right.
18:27
And then I'm wondering how many- But that-... of these people are upset when, you know, Uncle Frankie shows up with a tow truck- Oh... and takes the vehicle away. [laughs] Oh. That's way worse.
18:38
Like, I'm really interested to know how much of this scenario, actually, what percentage of what you've just des- explained has an impact on overall car repos that they're reporting?
18:47
'Cause it's like-Uh, I just didn't know w- what I was supposed to... Hey, I'll be honest though, like, I moved here from Canada.
18:55
It is the weirdest thing to me that I can drive the vehicle home from the dealership, and then every time I buy a car, I'm like, "How are we paying for this thing?"
19:05
[laughs] 'Cause in Canada, you can't leave the dealership unless you've given them the void check. The insurance company's come and given you your plates. You gotta registra- like, so many things happen.
19:17
So here, I mean, we bought, I don't know, four or five cars here, and every time I'm like, "Wait, what, how am I paying for this deal?" How are we driving this right now? Right. And, yeah. Interesting.
19:25
And then, like you said, 45 days goes by and I get a letter in the mail from, you know, whatever it is, Toyota Financial, saying, "Set up your account."
19:33
And I'm like, "How, how are we even allowed to drive these things right now?" That's a fair point. It is wild. Yeah. But, but that's- So, yeah... I mean, like, Rudy, the, the, the thing you said is, like,
19:45
what, what you don't realize is the residual impact of a single digit on an address line. And, yeah, w- Yeah...
19:51
if that's one of the 33 things that AI is doing, the impact, not just to, like, the bottom line or your employee satisfaction, it's con- customer satisfaction, right?
20:03
So we, we, we keep talking about e- employee experience, right? It's not just good enough to have them feel great when they buy the car. Like, that- Right...
20:12
there's touch points that you don't even realize are happening sometimes that are 45, 90, one year, two years down the line, that are created- Right... by, like, just a digit mismatch, right? Yep, yep.
20:25
And, and those are the things that we need to be thinking about, like, how do we leverage technology? How do we leverage things like what you guys are doing there at Compli with the Deal Checker AI?
20:35
How do we leverage those types of things to make sure, and one, increase employee satisfaction?
20:40
"Oh, I don't have to, like, manually enter this stuff all day," but also how do I help that, you know, then it's customer satisfaction and compliance all wrapped up into one. And we have the tools.
20:51
Why not use them these days, right? True. Yeah. Well, listen, this is- Well, we have-... this is fascinating. That's right.
20:58
And I'm telling you, this is, th- this is, uh, this is one of those things that I, I think has got a lot of people thinking. They're like, "What is the ripple effect of the small thing, and how much is it costing us?"
21:10
And I imagine you have all of that data, which is why we can't wait to connect with you soon. Um, hey, how can those listening and watching get in touch with you? Uh, two ways, real simple.
21:22
Uh, they can just go to our website, you know, which is compliauto.com. Um, and on compliauto.com there's a inquiry form. Just say, "Hey, I wanna talk to Rudy." Uh, I'll call you back, I'll send you an email.
21:35
Um, or you can go ahead and just email me directly, if that's all right with your listeners. I mean, you can always email me at, um, andy@compliauto.com. All right. Rudy. But, uh- Rudy. Rudy. [laughs] Rudy. Exactly.
21:51
Hey, yeah, thanks so much for joining us here on Auto Collapse. [upbeat music] Okay, but, uh, just before we recap, Kyle, like, how do you actually do the segue, man? It's, the game is tight and I'm jealous.
22:08
Michael hasn't been able to think of that for the last 20 minutes. [laughs] That's why you ask so few questions. That's probably Rudy, that's the question I've been waiting to ask. That's it.
22:15
That's his whole, that's- Like, Michael's a little quiet in this episode. He's like, "How does Kyle do it?" Yeah, how? [laughs] Just got that little, like, bubble up there about the segues.
22:22
You'd think I'm hooking up ladybugs. I've got a lot of practice. It's like- You and Ben Hadley are just, like, enamored by the segue game.
22:27
Me, you know, when you do segues 1,000 episodes in a row, like, Paul and I, we just got the segue game down. That's true. You know? It is what it is. That's true. No, I, I- Very true...
22:35
I'm glad we talked about, like, the practical solutions so that AI- Yeah...
22:38
can fix, because, again, I, I know I said it or I asked the question, but the reality is, with AI deployments, a lot of people just can't wrap their head around, like, what the AI is going to actually do, right? Yeah.
22:49
Such a broad term, and I think, you know, some of the examples were right on the money, 'cause every, like, the, it's, it's black and white. It's, it matches or it doesn't match. It's there or it's not there.
23:01
And I think that that, those are the types of things that make up probably 98% of the, the compliance headaches that happen. And so I'm, I'm glad to see it, you know, just start to be deployed across the board.
23:14
Next up, I just want AI to, like, be able to operate QuickBooks for me. So I know it's compliance in QuickBooks, but if they can get on that next- [laughs] Like, just show me last year's P&L year over year.
23:25
I- I mean, well, th- this is a really compelling use case for AI in which future generations may never have to worry about compliance again because it won't be a thing anymore.
23:37
It's just- I think between AI and blockchain, I think that's very possible. That's what I think. I think you're gonna start to see AI and block- you're gonna see blockchain come back in.
23:43
AI's gonna be the tool with which they'll leverage to connect the data and make it really, really resilient. Um- Fully verifiable, yeah. And, and, and when we get into, like, AI document sourcing, right?
23:57
Like, how do you validate document real realness, right? Mm-hmm. Um, it's, it's gonna... Uh, actually, I just got my new passport, and I was, my passport was 10 years old, staggered at the complexity- Mm-hmm...
24:14
at which, like, the materials and the overlays and all that- Oh... type of stuff had to go in because, you know, I mean, you've seen the photos.
24:22
You've seen the photos of the, the IDs and the licenses and the receipts and the bills that are coming out from GPT. Like- Oh, yeah...
24:29
it, it, things like this are going to need to be in, in processes, especially ar- around highly regulated industries, which- Mm... uh, auto is. Uh, interesting. Well, there you go.
24:40
Just another thing AI is gonna do to make our life easier. There you go. [laughs] Can't make sandwiches. Can't record- Boom... podcasts without us. There you go. Can't come up with porta potty stories on...
24:52
[snaps fingers] On the fly. On the fly. [laughs] Look, on behalf of Kyle Mounts here, Michael Cirillo, and myself, thank you so much as always for giving us a few minutes and hanging out on Auto Collapse.
25:02
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25:15
If you love this podcast, please leave us a review and share it with a friend. Thanks again for listening. We'll see you next time.
25:23
[upbeat music] Welcome to Auto Collapse. Welcome to Auto Collapse. [laughs] Why are we recording? Are we rolling yet? Not yet.