Latest / Leaders in Customer Loyalty, Powered by Loyalty360 / Loyalty360 Loyalty Live | Aaron Lobliner, CataBoom
Transcript
- 0:03Mark Johnson: Good afternoon, good morning.
- 0:03Mark Johnson: This is Mark Johnson from the Loyalty 360.
- 0:06Mark Johnson: I hope everyone's happy, safe and well.
- 0:07Mark Johnson: Want to welcome you back to another edition of Loyalty Live.
- 0:10Mark Johnson: In this series we speak with some of the leading agencies, technology providers and consultants, and customer channel and brand loyalty.
- 0:16Mark Johnson: Get a perspective on what they are seeing in the industry, what's driving unique experiences, enhancing engagement but, most importantly, impacting customer loyalty.
- 0:25Mark Johnson: Today we have the pleasure of speaking with Aaron Lobliner.
- 0:28Mark Johnson: He's the Chief Client Officer at CataBoom.
- 0:31Mark Johnson: How are you today, Aaron?
- 0:33Aaron Lobliner: I'm good, good, happy Monday morning.
- 0:36Mark Johnson: Same thing to you, hopefully all is well.
- 0:38Mark Johnson: With these, we'd like to start them on a more personal level, so we'd love to know a little bit more about you, your current role at CataBoom, maybe a few roles prior, what you did and how long you've been in the Loyalty customer experience space, and it would be great to know.
- 0:53Aaron Lobliner: Yeah, I know I'd love to share.
- 0:54Aaron Lobliner: So I've been at CataBoom now since January, so it's been about 10 months Been really exciting.
- 1:00Aaron Lobliner: And prior to CataBoom I did something in between for a short while but I helped build and grow PrizeLogic company for a lot of people in the industry are familiar with for almost 14 years and so in many ways that was my baby for a long time and it was exciting to help build that company from essentially zero to a significant company sold twice, just some banner clients.
- 1:30Aaron Lobliner: So it was an exceptional company, an amazing group of people and I know that we're all proud of all the things that we did and some of the massive things that we built over the years and prior to that I really had a big background in shopper marketing, working for the Mars agency, prior to that actually working on the retail side as a buyer, and so I have a strong lineage in retail shopper marketing and then promotions building and managing promotions on the agency side.
- 2:03Aaron Lobliner: And then obviously, 14 years at PrizeLogic doing national consumer promotions and loyalty programs and everything.
- 2:11Aaron Lobliner: And then it really kind of give me a great foundation to come into CataBoom Understanding.
- 2:16Aaron Lobliner: Now we have this amazing gamification platform and what can we do with it and how do we help?
- 2:22Aaron Lobliner: And how do we help differentiate in the marketplace?
- 2:24Aaron Lobliner: And I think I came into a company that was poised to just leap and the technology set, the product and the team is now on the field and I think we're really in the right place to do that.
- 2:38Aaron Lobliner: So I'm excited to be here.
- 2:40Mark Johnson: That's great.
- 2:40Mark Johnson: For those who may not be familiar with CataBoom, I know you support brand customer loyalty efforts.
- 2:45Mark Johnson: Can you give us a brief overview of what you guys do, how you do it?
- 2:49Mark Johnson: What industries you support and how you support that?
- 2:53Aaron Lobliner: Yeah, it's a broad question, so I could answer that question in three minutes or 33 minutes.
- 2:57Aaron Lobliner: We'll go with the three-minute answer.
- 2:58Aaron Lobliner: But we have a gamification, pricing and promotions platform.
- 3:03Aaron Lobliner: So it's a true platform where, if we want to take 15 minutes of this call, I could actually build you a working promotion Me.
- 3:09Aaron Lobliner: I'm not a developer so it's a really amazing platform that we can do all sorts of powerful things.
- 3:16Aaron Lobliner: So we have a library of over 200 existing game mechanics.
- 3:19Aaron Lobliner: We have the ability to build custom games we just did a really great one for a huge QSR and then we also have a really, really, really powerful pricing and promotions engine and, coming from my history, I really understand that industry really well and the things that we can do with our pricing and promotions engine from instant wins to fastest fingers and all these kind of different custom configurations is almost unlimited, and so the ability for clients to now have a toolbox of things to do to capture, engage and motivate consumers in very contemporary ways and help cut through the clutter is really what we do.
- 3:59Mark Johnson: Okay, you touched on gamification.
- 4:01Mark Johnson: It's a very germane relevant topic for customer loyalty, especially as the economy has softened or at least changed for a number of the brands.
- 4:10Mark Johnson: But gamifcation is one of those terms that has a number of definitions and I'm not sure if there's an agreed upon definition of it.
- 4:19Mark Johnson: So would love to know how you define gamification.
- 4:22Mark Johnson: And also, have you seen the definition of gamification change in the last two to three years, or has it been pretty static?
- 4:29Aaron Lobliner: I think if you ask different people, it's going to mean different things.
- 4:33Aaron Lobliner: If I go ask a 15-year-old gamer, they're going to look at gamification very different than my wife or maybe somebody who's in loyalty marketing.
- 4:42Aaron Lobliner: I actually talked about at some point like, is it the right name for what we do?
- 4:48Aaron Lobliner: And I actually think it very much so is because that's what marketers think about it, and while gamification could mean so many different things it could be Xbox or PlayStation, it could be AI or augmented reality and all these different things In the world when you break it down to the context of gamification, it's how do we get people to engage in some kind of a mechanic, have a little fun, have some kind of a digital experience?
- 5:18Aaron Lobliner: The reason we use the word game mechanics because it's yes, it can be a game, it can be for fun, it also can be educational.
- 5:26Aaron Lobliner: Think of it as trivia or a poll.
- 5:29Aaron Lobliner: The idea of gamification, while it's broad, when we contextualize it within loyalty and consumer engagement, I really look at it as going back to really old school like Carrot and Stick.
- 5:43Aaron Lobliner: And so we're the carrot.
- 5:44Aaron Lobliner: The gamification becomes the carrot to give people a reason to engage.
- 5:49Aaron Lobliner: When you add in the prize and promotion you.
- 5:52Aaron Lobliner: Now what we do is we create a value exchange.
- 5:55Aaron Lobliner: I'm getting somebody to now spend 60, 90, 120 seconds with my brand maybe more than they used to and now I have an incentive to do so and the consumer goes.
- 6:04Aaron Lobliner: Well, I have a chance to win this prize, to have this experience.
- 6:07Aaron Lobliner: Is it worth my while to now spend this 90 or 120 seconds?
- 6:11Aaron Lobliner: And when you get that equation right, that's when these things really same.
- 6:16Mark Johnson: Excellent.
- 6:16Mark Johnson: Customer loyalty is another term that has a kind of number of definitions and one of the things we're trying to do at Loyalty360, we have a new advisory board and committees.
- 6:28Mark Johnson: We're trying to help define some of these terms that are out there.
- 6:31Mark Johnson: When you hear customer loyalty, what does customer loyalty mean to you and what does it mean to category and, potentially, the clients that you work with?
- 6:40Aaron Lobliner: It's a huge question, right, because I think it's another one of those evolving things.
- 6:44Aaron Lobliner: I don't know if it's maybe as broad as gamification itself, but I think customer loyalty there's a lot of loyalty programs, I think a lot of them.
- 6:52Aaron Lobliner: I don't know if they truly connect with people.
- 6:55Aaron Lobliner: I think when you think about loyalty, it's a good.
- 6:58Aaron Lobliner: Loyalty engagement program is an exchange, right?
- 7:03Aaron Lobliner: The brand is getting something from the consumer and the consumer has to be getting something from the brand and it has to have that value between the two of them.
- 7:10Aaron Lobliner: I actually think the best loyalty programs when I've looked at this from you know I used to do a lot more in loyalty strategy when we were building, you know, loyalty programs in my past but they really kind of go into five buckets.
- 7:22Aaron Lobliner: So you have your transactional, you have your rational, you have your emotional, you have your promotional and you have your aspirational buckets.
- 7:29Aaron Lobliner: And when you really start to get really, when you, if you sum those up, it's like how do we connect with the head and the heart of consumers, right?
- 7:36Aaron Lobliner: How do I?
- 7:36Aaron Lobliner: How do I, how does how does my, my connection to your brand be more than just like oh, I went and bought my sandwich and I got a punch.
- 7:44Aaron Lobliner: And I know when I get some number of punches I get a free sandwich, like it's got to be more than that, right, because that's not loyalty, that's just rewards.
- 7:52Aaron Lobliner: And so do I think when you connect with these other facets and if you think of those five, those five components, the size of those pie, shit, pie pieces could be different for each brand, but when you get that right now, you start to connect with both the head and the heart.
- 8:07Mark Johnson: Yeah, when you look at customer loyalty, it's obviously becoming more important for brands.
- 8:12Mark Johnson: As we kind of prep for this, you're talking about some things you're seeing within the industry.
- 8:17Mark Johnson: You know, when you work with your clients to build a successful customer loyalty program, what are you doing?
- 8:23Mark Johnson: How are you doing that?
- 8:23Mark Johnson: And are things a little different now with some of the things your clients are asking for you?
- 8:28Mark Johnson: And you know, are there a couple examples of client work that is working well?
- 8:32Aaron Lobliner: Yeah, I think, yes, that you know, obviously we're not managing the whole loyalty program, but we're.
- 8:38Aaron Lobliner: We're in many cases we're very involved in the program and how, how this is how gamification and promotions are a piece of that program and how it's driving it.
- 8:48Aaron Lobliner: So, you know, we see in many cases where we're part of the planning right, because, yes, you need your very traditional earn track, redeem, you know, you know components in your, your, your catalog but how brands are using gamification to do things around tent pull events, how we're driving, using it in very sophisticated ways to drive new member acquisition, lapsed user engagement.
- 9:14Aaron Lobliner: Very common and just kind of really flying to the forefront is sponsorship activation, where they have sponsors, and how they're pulling that into the loyalty program with gamification.
- 9:25Aaron Lobliner: And another component is when they have partners and how they're using partners to, in some cases, even co-fund components of a of a component.
- 9:34Aaron Lobliner: So so our role within the loyalty program is now how we're going to kind of amplify it.
- 9:40Aaron Lobliner: Right, we're the amplifier and brands are using us in some really really smart ways, while on the outside it's like, oh, that's a really nice spin the wheel game.
- 9:48Aaron Lobliner: But when you see it, when you understand why it's being done and who it's going to and why it's targeting them.
- 9:55Aaron Lobliner: It becomes actually very sophisticated and there's a lot of great metrics on how they're driving very, very specific and measurable behaviors.
- 10:05Mark Johnson: Okay, we did a state of customer loyalty research paper from brands, just understanding where they are in their journey, what technologies or processes they're looking are and in an assessment of their program Last year going to it was released earlier this year.
- 10:18Mark Johnson: But many brands are looking to redo, enhance, augment their customer loyalty programs adding the invocation, adding proximity marketing, adding CVPs to allow potentially diverse data insight.
- 10:32Mark Johnson: When you look at what you're seeing, what do you see from a brand perspective or what are they trying to add?
- 10:39Mark Johnson: If they're looking at relaunched updates, is that something you're seeing?
- 10:43Aaron Lobliner: Yeah, I mean it was interesting.
- 10:44Aaron Lobliner: I was on a couple calls last week where there's a couple of consultants and partners that were calling and talking about brands that were replatforming right.
- 10:52Aaron Lobliner: So brands I think are.
- 10:53Aaron Lobliner: Again, it doesn't affect us, we're Switzerland in that case, but we're brands are looking at replatforming.
- 11:00Aaron Lobliner: They're trying to find the right platform that's going to support what they want to do, that they have the right toolset and flexibility in order to enable that for their brand.
- 11:10Aaron Lobliner: And I think the idea of having the right platform, the right partners.
- 11:14Aaron Lobliner: So I think brands are being very selective at having the loyalty platform and having the other integrations us being one of them right and how they do it right.
- 11:24Aaron Lobliner: That is, how do I have the right CDP?
- 11:26Aaron Lobliner: How do I have the right system around CRM and mechanics and some brands that's around SMS as an add-on but gamification we're kind of blessed to be able to have that opportunity, but we're getting those calls in many cases too, to be a piece of that puzzle and how brands are re-envisioning their program.
- 11:48Mark Johnson: I'm sure you've heard this idea of see a sameness.
- 11:50Mark Johnson: It's that there's a belief, especially from the brand side, that they think that the program is very similar to others in the market.
- 11:58Mark Johnson: They're looking to differentiate it.
- 11:59Mark Johnson: Sometimes they think that the competitors' programs are even better.
- 12:02Mark Johnson: When you look at the see a sameness within the customer loyalty industry, is that something that you see?
- 12:08Mark Johnson: How can brands address this?
- 12:13Aaron Lobliner: Very much so I'll look at it through the lens of air in the consumer.
- 12:16Aaron Lobliner: I have it being in this space.
- 12:19Aaron Lobliner: I think we all do.
- 12:19Aaron Lobliner: I have umpteen apps on my phone, loyalty programs, and I have a QSR folder.
- 12:25Aaron Lobliner: I have a retail folder on my phone.
- 12:27Aaron Lobliner: I can tell you most of the QSR ones are the same.
- 12:31Aaron Lobliner: Sorry, I love all you all out there, but most of them are fairly the same.
- 12:36Aaron Lobliner: They're highly transactional.
- 12:41Aaron Lobliner: It is a see a sameness Again.
- 12:42Aaron Lobliner: You're buying 10 sandwiches and you're getting maybe a free sandwich at some point.
- 12:45Aaron Lobliner: Sometimes I don't even know what it is.
- 12:47Aaron Lobliner: I think the brands that are starting to really stand out there and disrupt what are the things that you're doing throughout the year, throughout somebody's experience, to be a little different, to personalize that, to make me whether it's really personalized or I feel, as a consumer, that it's personalized it does the same thing In reality.
- 13:08Aaron Lobliner: There are brands like Chipotle that I think do a really great job.
- 13:11Aaron Lobliner: The UI is terrific, I think it feels good.
- 13:15Aaron Lobliner: I know they have promotional overlays and they do a lot of special things and, frankly, it's not even a thing we're working with at this point.
- 13:21Aaron Lobliner: But as an example, in this space there are brands that do a really good job of differentiating and standing out.
- 13:30Aaron Lobliner: In that see a sameness, I think there are many brands that have opportunities to do things.
- 13:35Aaron Lobliner: My perception is brands feel like the cost of entry to start to go beyond that is very high.
- 13:43Aaron Lobliner: I think with tools across the space ours being one of them the cost of entry is far lower than they might actually think.
- 13:52Aaron Lobliner: Okay, excellent.
- 13:55Mark Johnson: And, if you look at the technology landscape, very complex, becoming more so brands are looking for best in class technology stacks, ai, proximity, marketing, machine learning, gamification.
- 14:08Mark Johnson: When you look at some of these new technologies, gamification being something that you're intimately familiar with how can brands use them to augment their customer experience?
- 14:17Mark Johnson: Customer loyalty strategies?
- 14:20Aaron Lobliner: I think there's a part of it where what I like to look at and when I was writing loyalty strategies at the last place there's a part of it where you don't want to keep retraining the consumer's behavior.
- 14:34Aaron Lobliner: You have your core loyalty structure right.
- 14:36Aaron Lobliner: Get people to do that.
- 14:37Aaron Lobliner: I think weaving in things like gamification so consumers can know how to expect it the experience is similar in each space is great.
- 14:44Aaron Lobliner: And then I think you need to have those surprise elements.
- 14:49Aaron Lobliner: Different components are going to be different for different brands, but having an augmented reality for certain brands, having those kind of infusions of things that surprise people, catch them off guard, give them a reason to pay attention to your brand.
- 15:01Aaron Lobliner: Have some fun, right.
- 15:02Aaron Lobliner: It's okay to have fun for most brands, right.
- 15:05Aaron Lobliner: If you're a medical brand, okay.
- 15:07Aaron Lobliner: Maybe certain brands don't have fun, but most brands you can have a little bit of fun and I think what you start to see is having engagements that can be fun and light.
- 15:16Aaron Lobliner: Give them a reason to pay attention.
- 15:18Aaron Lobliner: Have a reason to open that in-app notification or your email are really starting to cut through the clutter.
- 15:25Aaron Lobliner: So, yeah, there are applications like augmented reality not our part of the business makes sense for some brands, doesn't make sense for every brand, but when you can start to do things that give consumers a reason to pay attention beyond, just again, earn track redeem, I think those are the brands that are starting to break through that sea of sameness.
- 15:47Mark Johnson: Absolutely.
- 15:48Mark Johnson: When you look at the next big thing, technology is a big piece of that.
- 15:53Mark Johnson: Is there something that you think is the next big thing for technologies and tools that brands can use in their customer experience and customer loyalty strategies?
- 16:02Aaron Lobliner: I don't know if there's in my mind, if there's a thing, I think that a common thread we're all hearing about.
- 16:08Aaron Lobliner: I was out at grocery shop a couple of weeks back and that was there, the same as we've been in these conversations the idea of personalization keeps coming up more and more.
- 16:19Aaron Lobliner: I think having tools to do things I don't know personalization is the next big thing, but the idea of having things that can be personalized, having ways to do that some of the games, whether it's truly personalized or it feels like to consumers, like it's personalized that's probably an area that is a rich in conversation today but also is still very rich in opportunity.
- 16:43Aaron Lobliner: So I would say that that would be at least an area to focus.
- 16:45Aaron Lobliner: I don't know if it's the next big thing, so to speak, but it's a big thing.
- 16:49Mark Johnson: Okay, are there programs from a customer loyalty perspective, you admire that you find yourself loyal to?
- 16:55Mark Johnson: You referenced Chipotle a little earlier.
- 16:57Mark Johnson: Are there one or two programs that you are loyal to?
- 17:02Aaron Lobliner: Yeah, it's true.
- 17:03Aaron Lobliner: I do feel our friends in Seattle at Amazon do a particularly great job with Prime and I would argue that's a loyalty program, right, just the value exchange.
- 17:15Aaron Lobliner: And go back to what I talked about a few minutes ago.
- 17:16Aaron Lobliner: I think at least as a consumer, I feel like I have a lot of value from what Prime gives.
- 17:22Aaron Lobliner: I've been a Marriott Bonvoy member for a long time, I think, as much from personal business use, I may actually be at the ambassador level by the end of this year.
- 17:32Aaron Lobliner: That's quite an achievement.
- 17:34Aaron Lobliner: I've never gotten there, but I think they've done a great job with their program because I do feel valued.
- 17:41Aaron Lobliner: When I walk into the hotel they treat me different, they talk to me, I get.
- 17:46Aaron Lobliner: The app works terrifically well.
- 17:49Aaron Lobliner: I know my status.
- 17:50Aaron Lobliner: People love status.
- 17:51Aaron Lobliner: Everybody wants to be a VIP.
- 17:52Aaron Lobliner: They've now done all sorts of fun things with points and you could spend them.
- 17:56Aaron Lobliner: I think it's like one point giveaways.
- 17:59Aaron Lobliner: So they've done a really nice job with their program in that space and I think there's others that continue to really innovate.
- 18:08Aaron Lobliner: Brands like 7-Eleven have a really great program where they've done all sorts of fun overlays and regional overlays and stuff like that.
- 18:15Aaron Lobliner: And then, probably my favorite now I've been part of it since day zero at my last company and we're still involved here is T-Mobile Tuesdays.
- 18:24Aaron Lobliner: I still think that program is a bell, whether it does so many great things nationally.
- 18:30Aaron Lobliner: The ability now to do more regional and geo specific things, gamification is a big part of the platform and I think there's a program like that so many brands could learn from and how to create the right kind of engagements and give people a reason to engage every week.
- 18:47Aaron Lobliner: So those are handful.
- 18:49Aaron Lobliner: I think are best in class.
- 18:51Mark Johnson: Awesome and when you look at kind of going forward for CataBoom, any ideas or lesson and thoughts about some things you may be looking to do going into 24?
- 19:01Aaron Lobliner: The one thing I've learned from our product team, as I've been here now, like I said, 10 months is I love what we do, and one of the lessons is as we develop new games, and so we have a pipeline of new games.
- 19:13Aaron Lobliner: I think we've launched already six new games this year as part of our innovation plan.
- 19:17Aaron Lobliner: But what they've told me is like, when we come up with new games and I think it's just the mindset is, everything we do is not to train new behaviors.
- 19:26Aaron Lobliner: How do we leverage a behavior that consumers already know in the industry?
- 19:30Aaron Lobliner: So just a simple example we came up with a game called Swipe it Swipe Left, swipe Right, like we all know swiping from whether it's Tinder I've been married for over 20 years, so it's clearly I don't know Tinder but the idea of everybody knows swiping and so that kind of understanding of not retraining behavior and doing mechanics in a platform like ours that integrate with loyalty platforms, so when consumers go to engage, you don't have to put on the training wheels all over again that is, I think, a really huge insight that brands need to remember that we want to keep it simple, we want to do things that people already know and love.
- 20:06Mark Johnson: Okay great.
- 20:06Mark Johnson: Well, thank you very much for the very unique insights.
- 20:08Mark Johnson: It's great to learn more about you and the offering, and now it's time for the infamous or almost infamous quick fire questions.
- 20:17Mark Johnson: Looking forward to these, what's your favorite word?
- 20:21Aaron Lobliner: Well, I can't say it, no, just kidding.
- 20:25Aaron Lobliner: I would say the I love, I love compete, I love to compete in life.
- 20:32Mark Johnson: Cool, what is your least favorite word Aaron: Can't.
- 20:34Mark Johnson: Mark: What excites you?
- 20:38Aaron Lobliner: Winning and competing.
- 20:39Aaron Lobliner: I've just been in sports and competition my whole life and you could ask my brother, but it never ends.
- 20:46Mark Johnson: What do you find tiresome?
- 20:47Mark Johnson: Aaron: Excuses.
- 20:48Mark Johnson: Mark: What profession would you like to attempt if you weren't in your current field?
- 20:58Aaron Lobliner: Yeah, people who know me already know this, but so I love sports and athletic training.
- 21:03Aaron Lobliner: It's a personal passion.
- 21:04Aaron Lobliner: It'll probably be what I do when I retire.
- 21:06Aaron Lobliner: I just love that.
- 21:08Mark Johnson: OK.
- 21:08Mark Johnson: What profession would you avoid?
- 21:11Aaron Lobliner: Well, I couldn't be like a surgeon or a doctor because I watched all the TV shows like this, so I couldn't do that.
- 21:19Mark Johnson: OK, who inspired you to become the person you are today?
- 21:22Aaron Lobliner: You know it's interesting.
- 21:23Aaron Lobliner: I don't know if there's a person I would say my mother was a big influence.
- 21:27Aaron Lobliner: She grew up tough.
- 21:28Aaron Lobliner: She was actually in the IDF, in the Israeli army, when she grew up.
- 21:33Aaron Lobliner: She was a five foot two bad ass and so I learned a lot from her.
- 21:38Aaron Lobliner: And actually my younger brother, Mark, has been a big influence in his success in his companies and just all those kind of influences of people just like work hard.
- 21:48Aaron Lobliner: Don't take no for an answer.
- 21:50Aaron Lobliner: Ok, excellent.
- 21:53Mark Johnson: And what do you typically think about the end of the day?
- 21:56Aaron Lobliner: You know, I just I always I like to go back at the end of every day and I think about all the blessings that we have in life.
- 22:01Aaron Lobliner: I have an amazing family, great friends, you know, you know just the blessings of being at great work environment and people that I love to work with every day.
- 22:11Aaron Lobliner: That's what I think about, reflective of all the great things we have in life.
- 22:14Aaron Lobliner: It's not the stuff I don't care about the stuff or the cars Like but it's the people and the relationships.
- 22:19Aaron Lobliner: That's what I actually think about every single day.
- 22:22Mark Johnson: And how do you want to be remembered by your friends and family?
- 22:25Aaron Lobliner: I think people that know me know that I'm a little bit silly.
- 22:27Aaron Lobliner: This is about the most serious I've been for.
- 22:30Aaron Lobliner: You know 25 minutes here.
- 22:31Aaron Lobliner: But I love to have fun, I love to enjoy life and I really hope people would be looking to.
- 22:36Aaron Lobliner: You know, Aaron Aaron gave a damn he.
- 22:39Aaron Lobliner: He worked his ass off, but, boy, he'd like to have a good time and crack a joke.
- 22:43Aaron Lobliner: So that's who I am.
- 22:44Mark Johnson: Excellent.
- 22:45Mark Johnson: Well, Aaron, thank you very much for taking the time to speak with us again today.
- 22:48Mark Johnson: It was great getting to know more about you and Cataboom, and look forward to hearing more from you in the coming year.
- 22:56Aaron Lobliner: Thank you, thank you to the whole Loyalty 360 community.
- 22:59Mark Johnson: Absolutely, and thank you everyone for taking the time to listen.
- 23:00Mark Johnson: Make sure you join us back for a next edition of Loyalty Live.
- 23:03Mark Johnson: Until then, have a great day.