Watch the full recording here.

This session walks through how small OASIS gaps at start of care and discharge quietly turn into major financial and quality problems, covering:

• Case-mix weight — how a single downcoded functional item shifts a patient into a lower payment group

• LUPA risk — how one visit moving between payment periods can turn a full episode payment into a single-visit rate

• Value-Based Purchasing — why OASIS measures make up 40% of your Total Performance Score, and how scoring drift shows up as a penalty

• Star ratings — how they're built at two separate points, start of care (or resumption of care) and discharge, and what happens when either one is off

• Referral trust — why hospitals, physician groups, and discharge planners are increasingly filtering referrals by star rating

• Building the fix — how a compliance-first coding and risk analysis framework catches these gaps at the point of documentation instead of during an audit

Webinar Transcript

Speakers: Tara Young (Olli Health), Jason Banks (Olli Health), Cortney Swartwood (Host - Olli Health)

Cortney Swartwood: Alrighty, I think we are letting everybody in now. So, hi everybody. Uh, thank you so much for joining us today. We're going to give folks just a few minutes to actually uh get logged in and get signed in. And I'll go over a couple of pieces of housekeeping just while we are getting people in the door. Um, just for brief intros, my name is Cortney Swartwood. I lead marketing here at Olli Health. Um, and I'll be your host for today's session. And then when you are joining the call, you're going to notice that everybody is currently on mute. Um, but please do feel free to drop any questions that you have in the Q&A box as we go along. For those of you who may not be as familiar with Google Meet, you're going to see a um a small nine dot grid in the bottom right hand corner of your screen. If you click on that, you'll see a section called Q&A, and you can add your questions directly there. Um, depending on the time and how many questions that we get, we may not be able to answer everything,

Tara Young: Thank

Cortney Swartwood: but if we don't get to your question live, we'll be sure to follow up afterwards. And then a reminder that today's session is going to be recorded and we'll send that recording out later this afternoon.

Tara Young: you.

Cortney Swartwood: U, it also is going to be up on our website after. So, do feel free to share that with your team or anybody in your network um, who maybe just couldn't make it today. And just to go over today's session, it is called Decode Your APR. What's driving your 2027 home health payment adjustment? Most of you have probably seen that your 2027 payment adjustment is already available and is based on how your agency actually performed in 2025. That number obviously can move your Medicare payment, but it can move that payment anywhere from a 5% cut to a 5% increase. Um, and a lot of agencies right now are still trying to work out where those metrics are coming from and what's behind it. For anybody that may be new to Olli, we are a CHAP Verified partner for home health and hospice coding and quality review.

Cortney Swartwood: We serve hundreds of agencies across the United States and we do combine purpose-built best-in-class clinical AI with certified expert coders and QA specialists in order to help agencies really get their OASIS and documentation right. And for today's session, I'm joined by two incredible people who work with us every single day. We have Tara Young who is our director of quality and managed services and we have Jay Banks who is our head of sales and I'll let them introduce themselves properly. So Tara and Jay take it away.

Tara Young: Thanks so much, Cortney. Uh, my name is Tara Young. I am a home health RN by trade. I've spent the last 24 years in home health, most of it elbow deep in OASIS, coding, and the regulations that keep agencies out of trouble. I currently serve as a director of quality and managed services here at Olli Health where I spend my time utilizing AI as a tool for diagnosis coding and figuring out why good clinicians still have opportunities for improvement. Before that I built my career across quality assurance, client success and clinical education, which means I've spent about as much time explaining compliance to clinicians as I have explaining clinicians to compliance.

Jason Banks: Thanks Tara and thanks Cortney. I'm Jay. I'm the head of sales for Olli. I've been with Olli for uh close to a year now but I've been in home health and hospice for uh a little over 20 years uh mainly on technology side. most recently uh with AI providers of different technologies and and right now with a great opportunity for agencies to take advantage of the intersection between AI and human services with with uh with Olli Health and you know I come at this from a a lens of sort of a operator uh from a business perspective whereas Tara is going to be the deeper clinical quality and uh and and deep clinical knowledge and we know how much um home health leaders are navigating not just value-based purchasing in your annual performance report but star ratings OASIS reimbursement changes staffing uh concerns um a lot of times those concerns will get blended together even though they're really separate and so we're we're happy to focus today on you know home health value-based purchasing and and here's some of what we'll cover today and you know I really would like to boil this down to two questions which is what's actually driving your annual performance review number and what parts of that can you actually influence?

Jason Banks: Obviously there's the role of actual care and outcomes which we'll actually touch on. There's the role of HHCAHPS uh patient satisfaction surveys which is really important as well. But so is accurate documentation uh and and OASIS and AI and services that Olli Health provides can help ensure that the data is appropriately representing the patient's condition, the functional status, the care being delivered. And you know, we're we really think about this from both sides of the equation, the quality of the care. So, we're we're really looking to give clinicians reassurance in the care that's being provided with the solutions that we offer, but also the data that's representing that care. Um, and and obviously, you know, there shouldn't be very much distance between creating good outcomes and actually, you know, accurately capturing those good outcomes. You really need both. And you know as we dive into this Tara will help us separate those in today's discussions. So we're going to uh have an audience poll here. Um we're going to try to understand sort of what your familiarity is with the home health value-based purchasing report.

Jason Banks: Um, if you can drop one of your answers into the chat or just select uh which which answer is most likely to you and um have you have you uh pulled up your value-based purchasing annual performance report yet? Um are you still trying to make sense of it? Um or if you have no idea what we're talking about, this is probably a good session for you anyway. So, um, drop those in the chat and we'll be interested to find out sort of where everybody stands. We know that everybody has a lot on their plate as an agency level and a lot of times what we're hearing from our customers is that they've they've they've accessed it. Obviously, it has direct implications on payment and it either, you know, they're still trying to make sense of it, uh, or they've made sense of it, but there's there's lagging information into involved in it, or, you know, it's potentially not what they expected. So, all right. So, it looks like uh a lot of folks have accessed it and it's either not what you're you've expected or you're trying to make sense of it.

Jason Banks: Um and so that's a good opportunity for us to kind of allow go into a deeper dive on which levers um are driving your annual performance score. Uh because you know if you if you look at that and you're digging into the wrong problem, it can lead your agency to spend uh significant time and resources uh improving something that's that's maybe not actually uh driving the result um and driving driving your payment. So um so let's start with the number that you know everybody is is really looking at um which is the uh payment adjustment and one of the things that I wanted to point out about the payment adjustment is that it's actually based on you know 2025 performance. So this is uh you know sort of a lagging indicator of success if if you made quality improvements in 2026 and you you probably not going to see them reflected on the 2027 adjustment and that the lag is is the reason why. So there's there's a lag between care delivery data capture performance measurement and eventually uh the financial impact.

Jason Banks: So the strategic you know question that you have to consider at as an executive within your agency is uh can you identify the areas where you may have been having issues? Uh can you uh find out if those are still concerns today? Um so that you can you can make the appropriate changes within the organization. put process improvement measures in place um to uh fix those areas of opportunity within your organization. So um you know obviously we're biased from a from a QA perspective. We think we can help you in those areas. And we do help many of our customers uh improve their outcomes and the quality of their coding scores. And we have very high uh satisfaction rates with our customers and also uh very high scores in terms of our accuracy and quality scores. We just became uh CHAP Verified uh in the last couple of months and that is a measure of you know how we do with accuracy and quality of of the documentation.

Tara Young: Okay.

Jason Banks: But just to reiterate your 2027 uh payment adjustment is really a story about sort of what happened uh in the 2025 uh reporting year.

Tara Young: Okay, so let's get into the actual mechanics behind your number. For the 2025 performance year, the one behind your 2027 payment adjustment, CMS scores you on 10 measures across three categories. If you're in that larger volume cohort, those three categories are weighted 35%, 35%, and 30%. Um, OASIS-based, claims-based, and HHCAHPS survey-based. Within OASIS, discharge discharge function score is worth 20%. Improvement in management of oral meds is worth nine and improvement in dyspnea or shortness of breath is worth 6%. That's going to be your 35 for those OASIS. On the claim side, potentially preventable hospitalizations or PPH is worth 26% and discharge to community is worth 9%. So that gets your 35% there. Notice that the potentially preventable hospitalization is at 26% and it's actually the single highest weighted measure in the entire model, even higher than that discharge function score. We're going to spend most of today on the discharge function score because it's the lever most directly tied to your documentation. while potentially preventable hospitalizations is driven by care coordination and discharge planning.

Tara Young: Um, but I want you to know going in that PPH carries that single biggest weight on your report. So that's an important lever like Jason spoke to that you really can manage. And your HHCAHPS is five separate survey measures, not two. So we have care of patients, communication, specific care issues, overall ratings, and willingness to recommend each worth 6% adding up to your 30% there. So how do you get from a full year of performance to one number on your payment adjustment? Your 2025 calendar year is the performance period. Your outcomes, claims, and patient experience data are captured all year long. Along the way, you get quarterly interim performance reports, so you have a running look at where you stand well before the year closes. Then your annual performance report finalizes your total performance score for the year, and that typically lands in the fall. Finally, CMS applies your adjustment to your 2027 Medicare fee-for-service claims. A preview version of this report is already out, so many of you, as we've seen, um, have already seen that number.

Tara Young: Um, we're joining you right after that preview while it's still fresh to help you make sense of it before the final version locks in. So, let's really zoom in on that discharge function score within the OASIS-based category. This is the highest weighted measure at 20%. And it's the one most tied to how your clinicians code. And when I say code, I mean choose their OASIS responses. Um, the guidance manual uses that word code, but a lot of people think when I'm talking about coding, I'm talking about your ICD-10 codes. Right now, we're really focusing on on how your clinicians code their OASIS responses. What it measures is that patient's functional ability at discharge compared to what the expected um was based on their functional status at the start of care or most recent ROC. So, we're looking at a quality episode and that is defined as start of care or most recent ROC to discharge. The data comes from the OASIS GG series functional items captured both at start of care, ROC and discharge in that quality episode.

Tara Young: And here is why the OASIS coding accuracy matters so much. Your start of care or most recent ROC score is going to set that baseline or expectation. If your baseline is coded inaccurately, whereas if you score your patient too independent, the discharge comparison ends up measuring against the wrong starting point. So if you make them more independent on the front end, when you go to discharge after 30 or 60 days, you're not going to really show that much improvement because you didn't score them as acute as they were at start of care. Okay, so now let's look at the two claims-based measures. Potentially preventable hospitalizations and discharge to community. That one can be a tongue twister. Um, which together they make up 35% of your score. Neither one touches the OASIS coding at all. Potentially preventable hospitalizations track those unplanned hospital stays during the home health episode that may reflect a gap in care coordination or clinical response. and discharge to community tracks whether patients return to the community rather than a facility after their home health episode ends.

Tara Young: Both are driven by care coordination and discharge planning, not by how an OASIS assessment was coded. So, this is where we advise agencies to look at front-loading their visits at start of care, making sure you've got all the appropriate disciplines in place, using your OASIS to kind of trigger what you might need to keep them out of the hospital. Looking at M1033, you may have some scenarios that are not captured necessarily by a line item in M1033. So you would choose maybe response eight such as patients with wounds that maybe are on oxygen and have pets in the home that sleep with them that go outside and come back in the house. You've got lots of different areas um that aren't captured by some of those standard M1033 questions that you can utilize to show an increase in risk for hospitalization and then you can use that information to get additional disciplines ordered. Maybe you need social work to get involved. Maybe you need speech, OT, or um physical therapy to get involved as well to help keep your patient out of the hospital and planning those visits out.

Tara Young: You can also put some phone call check-ins in there so that patient is touched every day for seven days during the beginning of that episode because that's typically the time when they're going back into the hospital. And then making sure when you're discharging your patients that you're documenting what their discharge status is, discharge to community. We know it if they're um discharged to hospice appropriately, that's not going to count against you. But obviously, the goal is to get that patient to a more independent and functional level so that they can then be discharged to the community without needing additional um services.

Jason Banks: So let's talk about uh your HHCAHPS which is 30% weight on the uh value-based purchasing score and you can see the breakdown here associated with the HHCAHPS measurements care of patients communication between providers and patients um the overall rating of the home health care and then willingness to recommend sort of your net promoter score if you will associated with HHCAHPS. And um every one of these comes from patient survey responses. There's not necessarily OASIS input,

Tara Young: I'm crazy.

Jason Banks: no ICD-10 coding, no documentation review that touches this category. But I will say that, you know, being on the provider side, we actually did a root cause analysis associated with HHCAHPS surveys. And what we tried to identify was, is there an area of the HHCAHPS survey that influences all of the other areas of the HHCAHPS survey? And what we found, interestingly enough, was that patients who felt like their caregiver was present and was uh providing great communication and great care, it's how they felt about the the patient experience in the home, tended to answer every other question on the HHCAHPS score higher than those that didn't feel good. They had a feeling about how they were interacting with their with their clinician in the home. And so what we did is we tried to peel the onion back on that and really go in and identify are there ways that we can move the needle on improving that uh the way that the patient feels about the care that's being provided. And what we found had the biggest one of the biggest impacts was actually and there are many things right you there's training on how you know how to more effectively communicate between our clinicians and the patients but the one of the biggest things that we found was any additional work that we could take off the of the clinician's back had a dramatic different uh change in their interaction with the patient and ultimately impacted how the how the patient felt about the the care that was being provided in the home.

Jason Banks: And obviously, you know, quality isn't one score. It's it's a combination of the care that you're providing, the experience that the patient has, and the accuracy with which you're capturing what actually happened in the home. Um and and so you know as we as we go into what act agencies are actually saying about the the documentation versus what's actually true. Uh Tara, how how often do you're talking to agency leaders and how how easy is it or how important is it to resist the temptation to treat every quality problem as an OASIS problem?

Tara Young: Uh, I wouldn't say every quality problem is an OASIS problem. First thing you want to do is establish that your clinicians have that solid foundation with regards to OASIS. One of the things I think, not that I think, that I see is clinicians don't really understand the questions and the item intent with those questions. Um, and one of the things that we see a lot is clinicians are a little hesitant to score the patient more acute or more dependent than they actually are because then there's risk when they have to leave that patient.

Tara Young: If they score them, let's say, a three for ambulation in M1860 and then they have to leave the patient. They're nervous about that because they don't want to abandon a patient who can only safely ambulate with supervision or assistance at all times. Um, and some of the things I remind clinicians is you need to document their acuity at the start of care what you're observing. Remember, they did not come to this level of function overnight, nor are you going to be able to fix them in a two and a half hour admission visit. That's why we have a 60-day episode. And then number three, document. Document to the physician that this patient is a fall risk. And that's going to lead you to getting those add additional discipline orders so that you can provide that patient resources so they can move from that three to a two um on M1860. And then you're also going to have an improvement in your GG ambulation items as well.

Jason Banks: Yeah, and that's one of the advantages of working with a AI-forward company is that we're, you know, they're going to have the technology to make sure that the the codes at the beginning of of care at the start of care are as comprehensive as they possibly can be, right?

Jason Banks: so that you're not overcoding but you're not undercoding as well and you're maximizing that reimbursement as you go. The other thing that we hear from agencies is that uh a lower preventable hospitalization rate means that the nurses missed something. Um it's not necessarily true. You know preventable hospitalizations more of a claims-based measure. It's driven by care coordination discharge planning not necessarily by OASIS and coding. Um but you know there are things that agencies can do to impact their uh preventable hospitalizations. I know that you know having worked in an agency there are lots of different reasons. One of the things that that we recommend is that you look to do sort of root cause root cause analysis on the reasons for preventable rehospitalizations and then dive into even that can have various categories. So for instance, falls is one of the one of the high-risk factors for your agency uh for preventable hospitalizations.

Tara Young: Mhm.

Jason Banks: There could be many factors involved in that, right? It could be could be partially documentation, but it could also be, you know, uh that we're just experiencing, you know, more complex patients in the home.

Jason Banks: It could be that we have simple environmental things that we can do to reduce the risk of falls. there could be medication changes that we could make um that that might uh be contributing to the fall risk. So, so again, lots of different areas. Um but if you don't understand sort of which scoreboard you're looking at, it's it's kind of easy to pull the wrong lever. You really have to dive into the data to really try to understand it. And the the other thing that we hear from agencies often times is this um sort of misunderstanding that star ratings and and value-based purchasing or annual performance report are the same thing. They're not. Um there are different measure sets. There's different math and we know that can be confusing for agencies. So, uh, one of the things that we do and as a part of our service is is really identify the areas of the documentation that are contributing to the value-based purchasing versus those that might be contributing to star ratings. And so you want to make sure that you're working with uh partners that can help you distinguish between those two and what's actually contributing to or producing reducing the number.

Jason Banks: Um, and that will sort of set up sort of a functional status example that we'll share on the next slide here.

Tara Young: and just a Um, piggyback on that a little bit, Jason. When you're talking about those potentially preventable hospitalizations, there's definitely a lot of things the agency can do on the front end. We know that admission visits are complicated and complex and they take a lot of time and your patients and caregivers are overwhelmed by the time you're done answering all of those OASIS questions and going through all the the motions of the OASIS walk and reviewing all the medications. Um, but some of the things you can do is making sure to remind your patient, not only at start of care, but with every single discipline visit to call the agency first. I mean, obviously, you want to tell them that if there's an emergency, you know, and give them examples. If you fall and have a bone exposed, you call 911. But if you're starting to experience a little bit of weight gain or, you know, you're starting to feel like you're feverish or things like that, you would give them a list of things to call the agency for first.

Tara Young: Um, an agency I used to work for, we used to give them a magnet to put on their refrigerator or a sticker to put on the back of their cell phone. Um, definitely something on the outside of their home folder that's going to remind them to call your agency first. And really stressing with your patients and their caregivers that you're that go-between between the doctor and the patient and that's why they've ordered home health so that you can come out there and see them and keep them out of the hospital. And then with regards to comparing HHVBP and star ratings, we're looking at separate OASIS questions. While we do have um you know dyspnea and oral meds in that HHVBP, your star ratings are looking at 1800s. The um HHVBP aside from those two OASIS items are looking at your GGs. And we know that those items do not map exactly to each other. the GGs are kind of spread out more and break down the tasks into separate sections, whereas the 1800s kind of group them together. So, you want to make sure you're answering both of those sections um accurately, but they should also be painting that consistent picture of the patient.

Tara Young: Okay, so here's why the start of OASIS scoring matters so much for discharge function score. It's risk adjusted using a number of factors captured at start of care, including how functional status is coded. So, picture two patients with the exact same real impairment. Patient A is documented accurately as needing moderate assistance and makes real progress by discharge that looks like they hit their expected improvement. Whereas, patient B has the same exact impairment, but they were only documented as needing minimal assistance when the truer picture was closer to moderate. So you've therefore already raised that bar on patient B and you have a shorter improvement opportunity. Patient B makes that same real progress, but on paper it looks like they underperformed simply because their starting point was recorded lower than it actually was. Same care, same progress, only that starting data and their discharge function score comes out differently. So, from my own experience um doing chart reviews, here's what I actually see. Functional status is more often undercoded than overcoded at start of care or ROC, especially for mobility and self-care items.

Tara Young: Discharge documentation frequently outpaces the start of care documentation in detail, which skews that comparison discharge function score depends on. And the most common gap isn't a wrong code response onto an OASIS item. It's real clinical observation that simply never made it to the OASIS responses at all. Um, you know, we have a lot of check boxes that we have to check through when we're doing that start of care. We really need to make sure that we're capturing all that data in our comprehensive assessment as well as our narrative information and really understand the item intent for each and every OASIS item and what defines a response two versus a response three. So, here are some questions that I'd like for you to take back to your quality team this week. One, um, is your functional status coding at start of care or ROC consistent across clinicians, or do you see some clinicians that have opportunities for improvement with that? Number two, do you have a process for double-checking OASIS against the clinical record before submission? Do you have a quality team that's doing OASIS reviews?

Tara Young: Do you use an outsource vendor that's doing your OASIS reviews? Um, and then three, would you know if your patients' documented acuity was lower than their actual condition? Are you matching up the narrative documentation, the therapy evaluations with what the clinician scored at that start of care OASIS? Um, if any of these questions give you pause, that's exactly what a report review is for.

Cortney Swartwood: Awesome. Thank you so much to Tara and Jay for that um run through of all of this information about all of the HHVBP scores, how it relates to your HHCAHPS, all of the good things that are there. Um I do want to go ahead and open it up for questions. I know people, you know, have a pretty packed schedule and so I thank everybody for, you know, joining us today. I know we do have already one question um and it is what are agencies using as a definition of front-loading visits? We hear this term often for high-risk patients, but what does it look like for you operationally?

Tara Young: So typically just going back to the days when I first started out in home care, we always started out with a higher frequency and then gradually, you know, went down on that frequency.

Tara Young: But you want to make sure if you're doing that, you're taking into account your 30-day episodes and your LUPA thresholds. You want to make sure that you're scheduling those visits appropriately within those 30-day time frames, you don't want to have a missed visit or a moved visit um really impact your LUPA threshold. So, touching that patient with some sort of communication or visit within the first seven days would be my main definition of front-loading. Maybe nursing is 2w2, 1w6. Um, so that way you can really have nursing go out twice a week for the first two weeks and then once a week for the next six weeks. And then if you have home health aides ordered or any therapy, you can schedule that in that first seven days as well. And then just do um phone check-ins, a quick call to your patient, takes maybe, you know, 8 to 10 minutes just to check on them how they're doing. Remind them of when their next scheduled home health visit is so that they know you're checking on them often and they can anticipate when your next visit is.

Tara Young: So, that would be my definition of front-loading. But again, keep in mind those 30-day episodes and those LUPA thresholds for each one of those

Cortney Swartwood: Thank you, Tara. And while we're waiting for any other questions to come in, I do have some questions that I know we hear pretty regularly. So um one of the questions is how much can documentation actually move the needle in this is instance versus it's just how sick our patients actually are.

Tara Young: So both of those matter but through different channels. So your discharge function score, your potentially preventable hospitalizations and your discharge to community are all risk adjusted, meaning your score is measured against an expected outcome for patients with those similar characteristics and not a flat bar. So genuine acuity is already accounted for. Where documentation moves the needle is in what feeds that risk adjustment. If that start of care assessment underdocuments or shows that patient as higher functioning um versus how impaired they really are, it's going to impact that baseline. And if that baseline is set too low, real improvement can look like underperformance.

Tara Young: So documentation doesn't override acuity. It determines whether your acuity gets recognized by the model.

Cortney Swartwood: Amazing. Thank you. And so if they, you know, if agencies have a patient whose functional status gets coded wrong at the start of care, does that tend to mess up the entire episode score or is that just one singular measure?

Tara Young: So it is impacting your GGs which are going to impact your discharge function score specifically and then dyspnea and oral meds they draw from their own individual M items. Um so they're not directly touched by that GG item error. Um but potentially preventable hospitalizations and discharge to community are claims-based and don't use the OASIS data at all. Um, you know, my best recommendation is to look at that patient and I always tell clinicians, if that was your grandparent, how would you score them? Safe or unsafe at the level that they're completing it? And then that's where you need to go in and match up that OASIS response, whether it's GG or 1800s.

Cortney Swartwood: Thank you very much.

Cortney Swartwood: And I'm not seeing any other questions that have come through. So I'm actually going to um scooch over to this last slide. And because of the fact that uh Jay is our head of sales, I'll let Jay give kind of a a quick overview of Olli, just um you know, as we are getting ready to wrap here. Um and Ernest, I saw your hand pop up. If you have an extra question, please feel free to throw it into the chat and I will take a look at it as well. Um, and then I'm also going to share with everybody um, a link. If you do have any additional questions or you want any additional information after Jay gives um, his run-through of of Olli, please feel free to use that link to request more information as well.

Jason Banks: Yeah, thanks Cortney. And so Olli, you know, is a is a is a company that works with home health and hospice providers across the country. We sort of sit at the intersection of AI technology and certified coders and QA specialists to provide coding services uh OASIS QA plan of care recommendations uh for home health and and hospice coding services as well and we're starting to provide some other capabilities like scribe.

Jason Banks: Uh you know we as a company have been around close to three years now. We have well over approaching 200 clients now, customers across the country. They range in size from 100 census to 10,000 census. We have very high customer satisfaction scores. Again, CHAP Verified um HIPAA compliant and uh just provide a great uh a great service that is backed by the latest technology. And uh our goal is to compress the margin pressures associated with uh coding QA uh and and uh documentation overall and uh and we we feel like we've been able to do that with many of our customers while uh improving their turnaround time and uh in many cases improving the quality and comprehensiveness of their documentation.

Cortney Swartwood: Absolutely.

Jason Banks: Um so many of our customers will for instance see improvements in their case mix index. Um but more importantly they are ultimately protected in that that we the coding and the and the documentation quality uh have decades of experience with Tara and her team actually reviewing every single chart that uh that's documented.

Cortney Swartwood: All right. Thank you so much, Jay. and Tara. Thank you guys both for joining and thank you to everybody who took time out of your Wednesday. We're halfway through the week um and for joining us here today. Hopefully this was helpful to everybody. If you do have additional questions or you'd like to reach out to Jay or Tara, please feel free um to use that form to the link that I dropped below. U and then we'll send this recording out later this afternoon. But hope you have a great rest of your day and we'll talk to you later.

Tara Young: Thank you.

Jason Banks: Thanks everybody.

Cortney Swartwood: Bye y'all.

Tara Young: Bye-bye.

Jason Banks: Bye.