* This transcript was created by voice-to-text technology. The transcript has not been edited for errors or omissions, it is for reference only and is not the official minutes of the meeting.
          [Liftoff Houston: Personal and Business Credit]
          [00:26:55]
           
          [00:35:42]
 
          [00:44:42]
 
          [01:18:17]
.
* This transcript was created by voice-to-text technology. The transcript has not been edited for errors or omissions, it is for reference only and is not the official minutes of the meeting.