Pro Business Channel

Capital Club Radio - Special Episode Interview with Bob Morris from the 2017 DBA International Conference

Bob Morris, CEO and founder of Oliphant Financial and co-founder of Beam software takes center stage with Michael Flock in the current episode of Capital Club Radio. Bob discusses his history in the debt buying industry as well as his view that any venture in this competitive and evolving space must be positioned for change and diversification. He shares how this philosophy has impacted the way he has managed the products and ventures he has developed over the years.

Here is a glimpse of what Bob shared in the interview.

Bob shares with Michael his thoughts about the early years at Oliphant: “Well before CFPB ever became the thing, or had any impact on this business… we were misleadingly friendly in our letters, but we wanted to immediately differentiate ourselves from being any sort of an old guard agency… and I’d like to think that’s how this business actually revolutionized the ARM industry.”

Bob comments on some of the biggest changes he has seen in the debt buying industry: “the biggest thing that happened was the qualitative measurements of paper – [the] method of quantifying it and qualifying it as a purchasable asset – changed. Bank recovery managers would sell at various stages of the recovery cycle, which means you’ve got a huge price differential”

Linkedin:  https://www.linkedin.com/in/robert-morris-01273b11

About Capital Club Radio

Hosted by: Michael Flock

Sponsored by: Flock Specialty Finance

Providing a forum for leaders in the middle market segment which has typically been undeserved by traditional banking.

Listeners gain valuable business insights and perspectives to deal with market uncertainty. Topics include: key success factors, both personal and professional, dealing with adversity, outlook for the industry and your business.

For more info about Michael Flock and Flock Specialty Finance visit:

www.FlockFinance.com

To nominate or submit a guest request visit:

www.CapitalClubRadioShow.com

To view more photos from this show visit:

www.ProBusinessPictures.com  

‹

›

×

×

Previous

Next

jQuery(function() {

// Set blueimp gallery options

jQuery.extend(blueimp.Gallery.prototype.options, {

useBootstrapModal: false,

hidePageScrollbars: false

});

});

Capital Club Radio - Special Episode Interview with Bob Morris from the 2017 DBA International Conference

Bob Morris, CEO and founder of Oliphant Financial and co-founder of Beam software takes center stage with Michael Flock in the current episode of Capital Club Radio. Bob discusses his history in the debt buying industry as well as his view that any venture in this competitive and evolving space must be positioned for change and diversification. He shares how this philosophy has impacted the way he has managed the products and ventures he has developed over the years.

Here is a glimpse of what Bob shared in the interview.

Bob shares with Michael his thoughts about the early years at Oliphant: “Well before CFPB ever became the thing, or had any impact on this business… we were misleadingly friendly in our letters, but we wanted to immediately differentiate ourselves from being any sort of an old guard agency… and I’d like to think that’s how this business actually revolutionized the ARM industry.”

Bob comments on some of the biggest changes he has seen in the debt buying industry: “the biggest thing that happened was the qualitative measurements of paper – [the] method of quantifying it and qualifying it as a purchasable asset – changed. Bank recovery managers would sell at various stages of the recovery cycle, which means you’ve got a huge price differential”

Linkedin:  https://www.linkedin.com/in/robert-morris-01273b11

About Capital Club Radio

Hosted by: Michael Flock

Sponsored by: Flock Specialty Finance

Providing a forum for leaders in the middle market segment which has typically been undeserved by traditional banking.

Listeners gain valuable business insights and perspectives to deal with market uncertainty. Topics include: key success factors, both personal and professional, dealing with adversity, outlook for the industry and your business.

For more info about Michael Flock and Flock Specialty Finance visit:

www.FlockFinance.com

To nominate or submit a guest request visit:

www.CapitalClubRadioShow.com

To view more photos from this show visit:

www.ProBusinessPictures.com  

‹

›

×

×

Previous

Next

jQuery(function() {

// Set blueimp gallery options

jQuery.extend(blueimp.Gallery.prototype.options, {

useBootstrapModal: false,

hidePageScrollbars: false

});

});

Capital Club Radio - Special Episode Interview with Bob Morris from the 2017 DBA International Conference

Bob Morris, CEO and founder of Oliphant Financial and co-founder of Beam software takes center stage with Michael Flock in the current episode of Capital Club Radio. Bob discusses his history in the debt buying industry as well as his view that any venture in this competitive and evolving space must be positioned for change and diversification. He shares how this philosophy has impacted the way he has managed the products and ventures he has developed over the years.

Here is a glimpse of what Bob shared in the interview.

Bob shares with Michael his thoughts about the early years at Oliphant: “Well before CFPB ever became the thing, or had any impact on this business… we were misleadingly friendly in our letters, but we wanted to immediately differentiate ourselves from being any sort of an old guard agency… and I’d like to think that’s how this business actually revolutionized the ARM industry.”

Bob comments on some of the biggest changes he has seen in the debt buying industry: “the biggest thing that happened was the qualitative measurements of paper – [the] method of quantifying it and qualifying it as a purchasable asset – changed. Bank recovery managers would sell at various stages of the recovery cycle, which means you’ve got a huge price differential”

Linkedin:  https://www.linkedin.com/in/robert-morris-01273b11

About Capital Club Radio

Hosted by: Michael Flock

Sponsored by: Flock Specialty Finance

Providing a forum for leaders in the middle market segment which has typically been undeserved by traditional banking.

Listeners gain valuable business insights and perspectives to deal with market uncertainty. Topics include: key success factors, both personal and professional, dealing with adversity, outlook for the industry and your business.

For more info about Michael Flock and Flock Specialty Finance visit:

www.FlockFinance.com

To nominate or submit a guest request visit:

www.CapitalClubRadioShow.com

To view more photos from this show visit:

www.ProBusinessPictures.com  

‹

›

×

×

Previous

Next

jQuery(function() {

// Set blueimp gallery options

jQuery.extend(blueimp.Gallery.prototype.options, {

useBootstrapModal: false,

hidePageScrollbars: false

});

});

Capital Club Radio - Back to the Future: Past Debt Buyer Association (DBA) Presidents discuss history and future of DBA

00:00 Announcer: On behalf of the Pro Business Channel, we're excited to welcome Michael Flock, the host of Capital Club Radio. Broadcasting on Pro Business Channel networks out of Atlanta, and on nine syndicated platforms including iTunes, Google Play and iHeartRadio. And recently interviewed on NPR. And now, live from the 20th annual DBA conference, please welcome Chairman and CEO of FLOCK Specialty Finance, Michael Flock.

[applause]

00:27 Michael Flock: Good morning, good morning. We at FLOCK Specialty Finance believe in the power of community, and that's why a little over a year ago we started a radio show called the Capital Club Radio Show, to build a community of thought leaders, of creative people in this industry who have made a difference for the Debt Buyers Association and others in the accounts receivable management sector. We talk about lessons learned, the successes and failures of the different companies, of the different leaders in this space, and we convert these broadcasts to podcast, which we distribute to the few thousand followers we have, and then we also distribute the podcast to our guests, and they can use the podcast as they see fit.

01:08 MF: This morning I am absolutely honored to be here today, hosting the Capital Club Radio Show, as we help celebrate 20 years of the Debt Buyers Association, or DBA. We're celebrating 20 years of connections, 20 years of trust, 20 years of building a new industry. And, if you're a Falcons fan like me, maybe you're celebrating 20 years of drinking.

[laughter]

01:36 MF: To be more serious, this has been an incredible roller-coaster of 20 years for all of us. There have been good times and bad times, we've seen periods of great supply, we've seen periods of very tight supply. Periods of low prices and high prices. Periods of loose regulation, and periods of very onerous regulation. So we've thrived and survived in large part, thanks to the leaders of the Debt Buyers Association, some of whom are sitting right here, and also the members and staff of the total Debt Buyers Association. DBA, I think, has been essential to this industry. It's been essential in defining it, supporting it, and helping grow, and helping legitimize it.

02:25 MF: In our company, FLOCK Specialty Finance, we talk a lot about the power and importance of passion and perseverance, which drive performance. And I can't think of five better leaders today who represent passion, perseverance, and performance than Walt Collins, Bob Morris, Mike Bendickson, Kaye Dreifuerst, and Todd Lansky. And we also wanna recognize, Dennis, sitting right here, who helped start this association. He had the idea for the Debt Buyers Association, I think, along with these folks. So it was his idea that brings us here today. So Dennis, thank you very much for that idea, and 20 years later we're celebrating it, it's now a reality.

03:17 MF: But without the passion and perseverance, there's no way this industry would ever have come so far from the gunslinger culture of the past, to the more professional, more consumer friendly culture, than the debt buying and collection industry that we are today. So, I think in general, the evolution of the past 20 years has been steady, but obviously not without its challenges, which we're gonna discuss here in a few minutes. And Jan Stieger shared with me some very interesting and positive statistics. According to Jan, our Executive Director, who you just heard from, there were only 60 members back in 1997, and today, there are 546. At our first annual conference, there were only 125 attendees, and today we're gonna be close to 900.

04:08 MF: So in spite of the recent consolidation in our industry, due to a drop of supply of consumer charged-off ...

Capital Club Radio - Back to the Future: Past Debt Buyer Association (DBA) Presidents discuss history and future of DBA

00:00 Announcer: On behalf of the Pro Business Channel, we're excited to welcome Michael Flock, the host of Capital Club Radio. Broadcasting on Pro Business Channel networks out of Atlanta, and on nine syndicated platforms including iTunes, Google Play and iHeartRadio. And recently interviewed on NPR. And now, live from the 20th annual DBA conference, please welcome Chairman and CEO of FLOCK Specialty Finance, Michael Flock.

[applause]

00:27 Michael Flock: Good morning, good morning. We at FLOCK Specialty Finance believe in the power of community, and that's why a little over a year ago we started a radio show called the Capital Club Radio Show, to build a community of thought leaders, of creative people in this industry who have made a difference for the Debt Buyers Association and others in the accounts receivable management sector. We talk about lessons learned, the successes and failures of the different companies, of the different leaders in this space, and we convert these broadcasts to podcast, which we distribute to the few thousand followers we have, and then we also distribute the podcast to our guests, and they can use the podcast as they see fit.

01:08 MF: This morning I am absolutely honored to be here today, hosting the Capital Club Radio Show, as we help celebrate 20 years of the Debt Buyers Association, or DBA. We're celebrating 20 years of connections, 20 years of trust, 20 years of building a new industry. And, if you're a Falcons fan like me, maybe you're celebrating 20 years of drinking.

[laughter]

01:36 MF: To be more serious, this has been an incredible roller-coaster of 20 years for all of us. There have been good times and bad times, we've seen periods of great supply, we've seen periods of very tight supply. Periods of low prices and high prices. Periods of loose regulation, and periods of very onerous regulation. So we've thrived and survived in large part, thanks to the leaders of the Debt Buyers Association, some of whom are sitting right here, and also the members and staff of the total Debt Buyers Association. DBA, I think, has been essential to this industry. It's been essential in defining it, supporting it, and helping grow, and helping legitimize it.

02:25 MF: In our company, FLOCK Specialty Finance, we talk a lot about the power and importance of passion and perseverance, which drive performance. And I can't think of five better leaders today who represent passion, perseverance, and performance than Walt Collins, Bob Morris, Mike Bendickson, Kaye Dreifuerst, and Todd Lansky. And we also wanna recognize, Dennis, sitting right here, who helped start this association. He had the idea for the Debt Buyers Association, I think, along with these folks. So it was his idea that brings us here today. So Dennis, thank you very much for that idea, and 20 years later we're celebrating it, it's now a reality.

03:17 MF: But without the passion and perseverance, there's no way this industry would ever have come so far from the gunslinger culture of the past, to the more professional, more consumer friendly culture, than the debt buying and collection industry that we are today. So, I think in general, the evolution of the past 20 years has been steady, but obviously not without its challenges, which we're gonna discuss here in a few minutes. And Jan Stieger shared with me some very interesting and positive statistics. According to Jan, our Executive Director, who you just heard from, there were only 60 members back in 1997, and today, there are 546. At our first annual conference, there were only 125 attendees, and today we're gonna be close to 900.

04:08 MF: So in spite of the recent consolidation in our industry, due to a drop of supply of consumer charged-off ...

Capital Club Radio - Back to the Future: Past Debt Buyer Association (DBA) Presidents discuss history and future of DBA

00:00 Announcer: On behalf of the Pro Business Channel, we're excited to welcome Michael Flock, the host of Capital Club Radio. Broadcasting on Pro Business Channel networks out of Atlanta, and on nine syndicated platforms including iTunes, Google Play and iHeartRadio. And recently interviewed on NPR. And now, live from the 20th annual DBA conference, please welcome Chairman and CEO of FLOCK Specialty Finance, Michael Flock.

[applause]

00:27 Michael Flock: Good morning, good morning. We at FLOCK Specialty Finance believe in the power of community, and that's why a little over a year ago we started a radio show called the Capital Club Radio Show, to build a community of thought leaders, of creative people in this industry who have made a difference for the Debt Buyers Association and others in the accounts receivable management sector. We talk about lessons learned, the successes and failures of the different companies, of the different leaders in this space, and we convert these broadcasts to podcast, which we distribute to the few thousand followers we have, and then we also distribute the podcast to our guests, and they can use the podcast as they see fit.

01:08 MF: This morning I am absolutely honored to be here today, hosting the Capital Club Radio Show, as we help celebrate 20 years of the Debt Buyers Association, or DBA. We're celebrating 20 years of connections, 20 years of trust, 20 years of building a new industry. And, if you're a Falcons fan like me, maybe you're celebrating 20 years of drinking.

[laughter]

01:36 MF: To be more serious, this has been an incredible roller-coaster of 20 years for all of us. There have been good times and bad times, we've seen periods of great supply, we've seen periods of very tight supply. Periods of low prices and high prices. Periods of loose regulation, and periods of very onerous regulation. So we've thrived and survived in large part, thanks to the leaders of the Debt Buyers Association, some of whom are sitting right here, and also the members and staff of the total Debt Buyers Association. DBA, I think, has been essential to this industry. It's been essential in defining it, supporting it, and helping grow, and helping legitimize it.

02:25 MF: In our company, FLOCK Specialty Finance, we talk a lot about the power and importance of passion and perseverance, which drive performance. And I can't think of five better leaders today who represent passion, perseverance, and performance than Walt Collins, Bob Morris, Mike Bendickson, Kaye Dreifuerst, and Todd Lansky. And we also wanna recognize, Dennis, sitting right here, who helped start this association. He had the idea for the Debt Buyers Association, I think, along with these folks. So it was his idea that brings us here today. So Dennis, thank you very much for that idea, and 20 years later we're celebrating it, it's now a reality.

03:17 MF: But without the passion and perseverance, there's no way this industry would ever have come so far from the gunslinger culture of the past, to the more professional, more consumer friendly culture, than the debt buying and collection industry that we are today. So, I think in general, the evolution of the past 20 years has been steady, but obviously not without its challenges, which we're gonna discuss here in a few minutes. And Jan Stieger shared with me some very interesting and positive statistics. According to Jan, our Executive Director, who you just heard from, there were only 60 members back in 1997, and today, there are 546. At our first annual conference, there were only 125 attendees, and today we're gonna be close to 900.

04:08 MF: So in spite of the recent consolidation in our industry, due to a drop of supply of consumer charged-off ...

Live from Las Vegas!  Capital Club Radio - Special Episode

Interview with Lou DiPalma from the 2017 DBA International Conference

Lou DiPalma: A Risk Avoider Who Serves Risk Takers

Michael Flock talks with industry expert, Lou DiPalma, the founder and managing partner of Garnet Capital Advisors. Michael probes his thoughts and insights concerning the debt sales industry - the evolution and impact of regulations and the future for the industry at large.  Michael also explores Lou's business model and how Garnet is adapting to provide support and help its clients take the risk out of their investments.

 

Here is a glimpse of what Lou shared in the interview.

Lou shares: "the people who take money, OPM, "other people's money", invest it and make money... I have a lot of respect for them...." Clients say, "We like you because you take our assets, you deconstruct them, and then it's very transparent as to who you show it to, the price, and how deals get done. Rather than you buying it, and then making $10 million and then nobody knows what happens."

Lou discusses his views on his business: "We feel responsible for everything. So, if I had to say what our best feature is and what our worst feature is, it's responsibility. Sometimes it's like, "Okay just get it done." But our best client is a partner. It's somebody who we've dealt with for a long time and there's a level of trust there that we're just going to... We take their assets and we say, "If this was ours, what would we do?"

Linkedin:  https://www.linkedin.com/in/loudipalma

About Capital Club Radio

Hosted by Michael Flock, Chairman & CEO of FLOCK Specialty Finance, Capital Club Radio provides a forum for leaders in the middle market segment which has typically been underserved by traditional banking.

Capital Club Radio provides listeners an opportunity to gain valuable business insights and perspectives to deal with market uncertainty. Topics will include: key success factors, both personal and professional, dealing with adversity, outlook for the industry and your business.

Hosted by: Michael Flock

Sponsored by: Flock Specialty Finance

Providing a forum for leaders in the middle market segment which has typically been undeserved by traditional banking.

Listeners gain valuable business insights and perspectives to deal with market uncertainty. Topics include: key success factors, both personal and professional, dealing with adversity, outlook for the industry and your business.

For more info about Michael Flock and Flock Specialty Finance visit:

www.FlockFinance.com

To nominate or submit a guest request visit:

www.CapitalClubRadioShow.com

To view more photos from this show visit:

www.ProBusinessPictures.com  

‹

›

×

×

Previous

Next

jQuery(function() {

// Set blueimp gallery options

jQuery.extend(blueimp.Gallery.prototype.options, {

useBootstrapModal: false,

hidePageScrollbars: false

});

});

Flickr Album Gallery Powered By: WP Frank

Live from Las Vegas!  Capital Club Radio - Special Episode

Interview with Lou DiPalma from the 2017 DBA International Conference

Lou DiPalma: A Risk Avoider Who Serves Risk Takers

Michael Flock talks with industry expert, Lou DiPalma, the founder and managing partner of Garnet Capital Advisors. Michael probes his thoughts and insights concerning the debt sales industry - the evolution and impact of regulations and the future for the industry at large.  Michael also explores Lou's business model and how Garnet is adapting to provide support and help its clients take the risk out of their investments.

 

Here is a glimpse of what Lou shared in the interview.

Lou shares: "the people who take money, OPM, "other people's money", invest it and make money... I have a lot of respect for them...." Clients say, "We like you because you take our assets, you deconstruct them, and then it's very transparent as to who you show it to, the price, and how deals get done. Rather than you buying it, and then making $10 million and then nobody knows what happens."

Lou discusses his views on his business: "We feel responsible for everything. So, if I had to say what our best feature is and what our worst feature is, it's responsibility. Sometimes it's like, "Okay just get it done." But our best client is a partner. It's somebody who we've dealt with for a long time and there's a level of trust there that we're just going to... We take their assets and we say, "If this was ours, what would we do?"

Linkedin:  https://www.linkedin.com/in/loudipalma

About Capital Club Radio

Hosted by Michael Flock, Chairman & CEO of FLOCK Specialty Finance, Capital Club Radio provides a forum for leaders in the middle market segment which has typically been underserved by traditional banking.

Capital Club Radio provides listeners an opportunity to gain valuable business insights and perspectives to deal with market uncertainty. Topics will include: key success factors, both personal and professional, dealing with adversity, outlook for the industry and your business.

Hosted by: Michael Flock

Sponsored by: Flock Specialty Finance

Providing a forum for leaders in the middle market segment which has typically been undeserved by traditional banking.

Listeners gain valuable business insights and perspectives to deal with market uncertainty. Topics include: key success factors, both personal and professional, dealing with adversity, outlook for the industry and your business.

For more info about Michael Flock and Flock Specialty Finance visit:

www.FlockFinance.com

To nominate or submit a guest request visit:

www.CapitalClubRadioShow.com

To view more photos from this show visit:

www.ProBusinessPictures.com  

‹

›

×

×

Previous

Next

jQuery(function() {

// Set blueimp gallery options

jQuery.extend(blueimp.Gallery.prototype.options, {

useBootstrapModal: false,

hidePageScrollbars: false

});

});

Live from Las Vegas!  Capital Club Radio - Special Episode

Interview with Lou DiPalma from the 2017 DBA International Conference

Lou DiPalma: A Risk Avoider Who Serves Risk Takers

Michael Flock talks with industry expert, Lou DiPalma, the founder and managing partner of Garnet Capital Advisors. Michael probes his thoughts and insights concerning the debt sales industry - the evolution and impact of regulations and the future for the industry at large.  Michael also explores Lou's business model and how Garnet is adapting to provide support and help its clients take the risk out of their investments.

 

Here is a glimpse of what Lou shared in the interview.

Lou shares: "the people who take money, OPM, "other people's money", invest it and make money... I have a lot of respect for them...." Clients say, "We like you because you take our assets, you deconstruct them, and then it's very transparent as to who you show it to, the price, and how deals get done. Rather than you buying it, and then making $10 million and then nobody knows what happens."

Lou discusses his views on his business: "We feel responsible for everything. So, if I had to say what our best feature is and what our worst feature is, it's responsibility. Sometimes it's like, "Okay just get it done." But our best client is a partner. It's somebody who we've dealt with for a long time and there's a level of trust there that we're just going to... We take their assets and we say, "If this was ours, what would we do?"

Linkedin:  https://www.linkedin.com/in/loudipalma

About Capital Club Radio

Hosted by Michael Flock, Chairman & CEO of FLOCK Specialty Finance, Capital Club Radio provides a forum for leaders in the middle market segment which has typically been underserved by traditional banking.

Capital Club Radio provides listeners an opportunity to gain valuable business insights and perspectives to deal with market uncertainty. Topics will include: key success factors, both personal and professional, dealing with adversity, outlook for the industry and your business.

Hosted by: Michael Flock

Sponsored by: Flock Specialty Finance

Providing a forum for leaders in the middle market segment which has typically been undeserved by traditional banking.

Listeners gain valuable business insights and perspectives to deal with market uncertainty. Topics include: key success factors, both personal and professional, dealing with adversity, outlook for the industry and your business.

For more info about Michael Flock and Flock Specialty Finance visit:

www.FlockFinance.com

To nominate or submit a guest request visit:

www.CapitalClubRadioShow.com

To view more photos from this show visit:

www.ProBusinessPictures.com  

‹

›

×

×

Previous

Next

jQuery(function() {

// Set blueimp gallery options

jQuery.extend(blueimp.Gallery.prototype.options, {

useBootstrapModal: false,

hidePageScrollbars: false

});

});

Live from Las Vegas!  Capital Club Radio - Special Episode

Interview with Lou DiPalma from the 2017 DBA International Conference

Lou DiPalma: A Risk Avoider Who Serves Risk Takers

Michael Flock talks with industry expert, Lou DiPalma, the founder and managing partner of Garnet Capital Advisors. Michael probes his thoughts and insights concerning the debt sales industry - the evolution and impact of regulations and the future for the industry at large.  Michael also explores Lou's business model and how Garnet is adapting to provide support and help its clients take the risk out of their investments.

 

Here is a glimpse of what Lou shared in the interview.

Lou shares: "the people who take money, OPM, "other people's money", invest it and make money... I have a lot of respect for them...." Clients say, "We like you because you take our assets, you deconstruct them, and then it's very transparent as to who you show it to, the price, and how deals get done. Rather than you buying it, and then making $10 million and then nobody knows what happens."

Lou discusses his views on his business: "We feel responsible for everything. So, if I had to say what our best feature is and what our worst feature is, it's responsibility. Sometimes it's like, "Okay just get it done." But our best client is a partner. It's somebody who we've dealt with for a long time and there's a level of trust there that we're just going to... We take their assets and we say, "If this was ours, what would we do?"

Linkedin:  https://www.linkedin.com/in/loudipalma

About Capital Club Radio

Hosted by Michael Flock, Chairman & CEO of FLOCK Specialty Finance, Capital Club Radio provides a forum for leaders in the middle market segment which has typically been underserved by traditional banking.

Capital Club Radio provides listeners an opportunity to gain valuable business insights and perspectives to deal with market uncertainty. Topics will include: key success factors, both personal and professional, dealing with adversity, outlook for the industry and your business.

Hosted by: Michael Flock

Sponsored by: Flock Specialty Finance

Providing a forum for leaders in the middle market segment which has typically been undeserved by traditional banking.

Listeners gain valuable business insights and perspectives to deal with market uncertainty. Topics include: key success factors, both personal and professional, dealing with adversity, outlook for the industry and your business.

For more info about Michael Flock and Flock Specialty Finance visit:

www.FlockFinance.com

To nominate or submit a guest request visit:

www.CapitalClubRadioShow.com

To view more photos from this show visit:

www.ProBusinessPictures.com  

‹

›

×

×

Previous

Next

jQuery(function() {

// Set blueimp gallery options

jQuery.extend(blueimp.Gallery.prototype.options, {

useBootstrapModal: false,

hidePageScrollbars: false

});

});