May 16, 2025 • 25 mins
F&I veteran Rudy Graff brings decades of grit, grind, and gut checks into a conversation that reveals the high-stakes game behind the deal jacket.
Rudy Graff—aka “Rudy Boss”—joins the crew to unload decades of wild, real-world experience from the F&I trenches. From his early days dodging lemon law landmines and printing contracts with a daisy wheel, to leading compliance initiatives at one of the country’s largest dealerships, Rudy’s journey through automotive finance is anything but boring. He shares how a recession pivot turned into a career, why he operated under an alias in the Wild West days of F&I, and how working the phones and fighting for a spot gave him a front-row seat to the evolving auto landscape.
Now with ComplyAuto, Rudy breaks down the modern compliance tightrope, the hidden costs of a single digit typo, and how AI is changing the game—one autofilled form at a time. He peels back the curtain on how even tiny address mismatches can snowball into repo-level disasters and explains why today’s F&I professionals need more than sales chops; they need tools, process, and precision. If you’ve ever wondered what F&I actually does or why compliance is everyone’s business, Rudy makes it clear: protect the store, protect the customer, and never underestimate the power of automation.
Timestamped Takeaways:
[0:00] Intro with Paul J Daly, Kyle Mountsier and Michael Cirillo
[3:02] Enter “Rudy Boss”: Rudy shares how his F&I alter ego was born out of early dealership antics and the need to fly a little under the radar.
[5:47] From Phones to Frontline: His improbable entry into auto, starting with cold calls and ending in battle-tested F&I leadership.
[10:47] First Rule of F&I—Protect the Store: Rudy emphasizes that compliance isn't optional—it's mission-critical.
[15:12] Real-Life AI Impact: How AI is catching human errors—like address mismatches—that can trigger costly customer blowback.
[19:22] Why Your Next Repo Might Be a Data Entry Problem: The ripple effects of a single mistake and why AI is essential to clean deals.
[23:37] Looking Ahead—AI, Blockchain, and Bulletproof Compliance: Rudy and the team envision the future of document validation and regulatory tech.
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Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Paul J Daly (00:00):
So Michael,
Unknown (00:03):
yeah, just says he doesn't
Paul J Daly (00:06):
even know what I'm gonna ask. He's like, I don't
want to hear
Unknown (00:14):
it. This is Auto Collabs. I
don't know. I'm nervous. Sothere's
Paul J Daly (00:18):
literally a porta potty across from my window.
Now,
Kyle Mountsier (00:23):
are you still on this Porta Potty thing? No, I
actually, I
Paul J Daly (00:26):
actually, like, I started recording, like, the
video where I kicked the dooropen and I come out and I say
something clever. I can'tremember what I said, and I
don't know where the footage is,but I bet it's gonna be awesome
if I find it.
Kyle Mountsier (00:41):
That's, that's really, that's the whole story.
Paul J Daly (00:43):
That's the whole story. I wanted to be excited
about it and be like, oh, youknow what? That reminds
Kyle Mountsier (00:49):
me of a porta potty time that I kicked in the
Porta Potty door. It wasawesome, dude. There was, there
were
Paul J Daly (00:55):
some antics going on with porta potties when you
were in college. Speaking
Michael Cirillo (00:58):
of porta potties, you know, one day,
Where's he gonna take this one,one time I was in an office, and
both we had, you know, everyoffice has one of those people
that you're like, how do you getany work done when you're in the
bathroom for like, seven hoursof a day, right? We had one of
those scenarios, and I had to goto the bathroom so bad. So I
full on committed to getting inmy truck and driving back to my
(01:19):
house, and my car broke down onthe way home. Oh no,
Paul J Daly (01:24):
guys, that's a bad one.
Michael Cirillo (01:27):
I'm waiting for the segue like I'm just trying
to feed material to Kyle. JpT,Kyle, and I'm like, what is I
have
Paul J Daly (01:33):
another story that I mean, if he has one, I have
another one that can attack. I'mlike, I don't think we should
keep tagging on Porta Pottystories. Well this, I think
porta potty, this is a regularbathroom story. Oh no, my office
in the last building we were at,I wasn't even thinking this
through, but it was across fromthe bathrooms, right? And so,
like, that's a problem. I keptmy door shut a lot, but the real
(01:54):
deal is that I had to move mydesk to the other side of the
office because it was reallyweird when people are going,
like, I could make eye contact,right? And so I was like, Hey,
Kyle Mountsier (02:03):
we're going in and out. Yeah, speaking of
offices that are normally acrossfrom the bathroom, oh, that's a
great way, actually, right?
Because normally down the hall,back to the right, then across
in the bathroom. Talking to Rudytoday, he's a storied F and i
Manager in the auto industry.
(02:24):
Now works with comply auto afterbeing with Galpin for so long,
and I'm excited to hear hisstories. Because, you know,
like, if someone's been in thebusiness for a while, and they
were anywhere around the F and Ioffice, like they know about our
business, they've seen stuffwith the band the ugly that
we're not going to keep talkingabout porta potties, but we will
probably talk a lot about F andI and the stories in the car
(02:46):
business. We hope you enjoy thisconversation with Rudy. All
right, we got Andy, Rudy Graffand I said that on on purpose,
because my first question is,you know what I gotta ask? We
gotta know, how'd you get thename Rudy boss? Well,
Andy Graff (03:02):
that's my F and I character. That's when I get
into a form work in the F and Ioffice, really,
Paul J Daly (03:10):
yeah, yeah.
Kyle Mountsier (03:12):
Was that like, that was like, a crew? Did
someone name you, or did youname yourself?
Andy Graff (03:17):
No, it's a little bit of a joke. It just stuck
with me all these years. Soyears later, they called me that
I think may have been I startedso long ago in the business, and
it was like, back then, it was alittle bit of the Wild West in F
and I. And so sometimes maybeyou kind of want to keep your
head down, and maybe, you know,you didn't want to let the
customer know what your realname was, in case there was a
(03:38):
little boomeranging back. Ohboy. So maybe if they ask for
Rudy, as opposed to Andy, theywould be like, Hey, where's
Rudy? Who's Rudy?
Paul J Daly (03:49):
Wow, that's a blast.
Kyle Mountsier (03:51):
That means you've been in the business a
hot minute. Take us back. Like,What? What? What did getting
into this business look like?
Because sounds like you. You'veseen, you've seen it all,
because maybe where that wherethat heart came from, isn't
where you are now. But where did
Andy Graff (04:05):
this? Oh, man, it started a long time ago. I
actually was in real estate, andif anybody remembers, because
I'm dating myself. And 89 therewas a big real estate recession.
So there was an ad in thenewspaper said, train for a
recession proof career in theautomobile business. So I'm
thinking, Okay, it's 1990 let'sgo for it. And so I didn't,
never, ever work there. Andright before that, I go to an F
(04:27):
and I office. This is a truestory. So I go with my friend to
go buy a car. This guy's quotingus a payment. Now, it's a pack
payment. I don't know anythingabout it. It's got leg in it, as
they called it, and they'retelling the payments 333 and I'm
pretty good with math, so I'mtelling the guy, it's not 333
it's 300 so we go through thewhole process. We're in F and I,
and I'm challenging the guy. I'mlike, print the damn format. I'm
(04:48):
telling you it's 300 it's not333 I'm not the second baseman
from hell, right? So the guy'slike, fine. I print the thing
out. Payments, $300 a month. I'mtelling my friend. See, I told
you. It's $300 a month. I'm sonaive. I have no idea what a leg
is. I don't realize that thispayments been packed so they
could sell them product forlike, you know, $10 more, you
(05:09):
get the $6,000 extended servicecontract, right? Isn't that a
deal, right? And, you know, eventhough math is always the same,
this is how they sold back thenin the early 90s, right? And so
I'm, I'm dumbfounded by thewhole thing, and so putting two
and two together, I'm thinking,This guy's an idiot. Doesn't
know math. I'm good at math. Ineed a new job because I got
blown out of real estate becausethe recession. So guess what I'm
(05:32):
going to do? I'm going to trainfor recession proof, for a
career being a finance guy in acar dealership. So I go to the
first interview, the secondinterview, they're like, don't
work that way, son, you gottawork the line, right? You gotta
go sell cars, yeah? And so oneby one, everybody's,
Unknown (05:47):
he's like, it's just 300
Andy Graff (05:49):
before I knew anything, right? Yeah, right. So
I finally get my first job. Theguy's like, don't worry, you're,
you know, like the Italian,don't worry, you'll get the job.
Oh, and so I find out, yeah, I'mnot in F and I, I'm on the
phones in F and I, I'm not afinance guy. I'm cold calling
customers trying to sell productand get them back in the store.
I'm working for the F and Idirector, who also moonlights as
(06:13):
the leasing manager. So I'mcalling lease customers trying
to sell product and get him, youknow, to not buy out their cars,
to come back yet. I did that forlike, two years. Finally, I'm
begging and pleading to be asalesperson at this
organization. And they're like,you know, son, you can't sell
cars here without experience.
I'm like, I've been here for twoyears. Like, yeah. And I'm like,
You're telling me, I gotta gowork somewhere else, sell cars
for a year or two and then comeback. And they're like, yep. And
(06:35):
I'm like, no, what? I'm like,I've been a good employee for 10
years, right? Working thephones, cold calling people.
Like, that's how it works. Said,but there's a but I got one
option for you. I'm like, What'sthat? He goes, You handle the
lemon law customers. I'm like,How bad can those people be?
Right?
Paul J Daly (06:57):
Yeah, everything's going fine. They're not
stressed. They're not worriedabout anything, and they have a
really high view of the store atthat.
Andy Graff (07:06):
Oh yeah. They love everybody, right? I mean, and
you want to talk about, they arerelentless. They will figure out
what your home phone, you know,back then barely, you know, cell
phones were coming out. Theyfigure out your home phone.
They're doing site visits.
They're showing up, just naggingyou to death, because, you know,
to get to lemon law, you gottaget pretty far down the back
Paul J Daly (07:25):
too. It wasn't even close to what it was now like,
now it's like, oh, the thirdthing, everyone knows it's gonna
happen. And right back then itwas like, No, it was brutal. And
Andy Graff (07:35):
so these people were the worst of the worst. They
were just like, haters ofeverything, and they just were
driving me crazy. Anyways, longstory short, like I did that for
a year, it almost caused me adivorce, almost caused me my
job. And after a year of doingit for the company, like, you
know, take one for the team, ifyou will, they're like, Okay,
now you can go sell cars, and bythe way, you know you're not
(07:56):
going to get any leads. You gotto go get your own leads. You
got to work your way. So I didthat for a couple years, and
then I finally got my shot in Fand I and so then I started, you
know, doing the F and I gig.
Paul J Daly (08:06):
I love to talk about, like, so you've obviously
seen the industry from adifferent era, actually, like,
what you're talking about, theway F and I worked, and the way
compliance worked was a wholedifferent world than it is
today. And now compliance is,you know, front and center.
Sophistication is growingrapidly because of technology.
(08:27):
And you know, compliance is, isit's not as much a conversation
of if it's when right, ifsomeone's going to find
something right, because you canalways, I can't remember who it
was. They said somebody canalways find something right?
Like, if you, if you're lookinghard enough, you always be able
to find something wrong withsomething. And a lot of a lot of
it is like, how can you be ascertain as possible that
(08:48):
mistakes are getting caught andthat you have the ability to
say, like, we've been doingextreme diligence to make sure
we are compliant. How would youexplain the modern compliance
environment, especially now thatall this new AI tech is being
quickly injected into theindustry. So
Andy Graff (09:04):
great question regarding the compliance of
today, a lot different than itwas in the early 90s. No
question about it. I believenow, because I work in
California, and it's verylitigious, and I think a lot of
the lemon law lawyers that yousee out there, they're not even
trying to go for a lemon lawthey want to look at the deal.
(09:27):
That's what they want. They'reon what I call the fishing
expedition, because there'sgoing to be something wrong.
It's not an if it's a whenthere's there's hardly ever a
clean deal out there. Every dealhas got some sort of problem
with it. And the question is,when do you catch it and how
much does it cost you? So youwant to get in front of that as
quickly as possible. I mean, thetruth is, and in my kind of
(09:50):
later roles in my career in thecar business, I was, I was the
VP of sales, and when we trainedfi people, you know, and I know
there's a lot of and I thinkthis. Is going to probably raise
some eyebrows out there, but alot of people say finance people
are out there to make money. Butthe primary function of a
finance person, their first andforemost function isn't selling
(10:11):
product, is protecting thestore, protect the deal, right,
exactly. And if they're notprotecting the dealership and
they're putting money in frontof that, that's where you start
getting real problems. And I'mnot saying that they shouldn't
do both. They should protect thestore and make money for the
store, absolutely, and theyshould make sure the customer
has a great experience. So allthree of those things. But how
(10:33):
do you do all three of thosethings? You know? How do you do
it? All right? And a lot offinance people today were really
just sales people that just werebetter sales people. They just
did a better job than everybodyelse. So now they're the finance
guy and,
Kyle Mountsier (10:47):
yeah, they're not lawyers, right?
Andy Graff (10:50):
And they weren't great with paperwork last time
as a salesperson. I mean, I'lltell you, I was never great with
paperwork, but I got better infinance. I wasn't perfect,
right? Two the best people withpaperwork are they're the people
in the business office that sendthe deal back to you, going,
dumb ass. This again, right?
Billy,
Kyle Mountsier (11:09):
amazing at paperwork. I'm telling you
Andy Graff (11:14):
true story. One of our biggest competitors had
multi rooftops down the streetfrom us. Did exactly that.
Kicked out all the F and Ipeople, literally phased them
all out, got rid of them. Saidyou can go be salespeople or F
and I people, somewhere else,whatever you want. We're closing
down the F and I people. Theytook all the billing clerks and
made them F and I P and, youknow what? The paperwork is
(11:35):
perfect. But they didn't sellanything, right? So it was like,
it was like, an epic disaster,right? So they're like, Okay,
this isn't gonna work. So thenthey replaced all those people,
you know, with FMI people, andthe pendulum swing the other way
again, right? Now, suddenly, youknow they're selling. Grosses
are good, but the paperworksucked, right? And so you
Kyle Mountsier (11:55):
find that perfect. Think about this. I
think about this, Rudy, you'vegot a deal jacket that's
typically, maybe slightly lessthe size of a mortgage, right?
Like mortgage is this thick,right these days, and you just,
like, barely move your fingersdown, and that's, that's an
automotive deal jacket. And,yep, a mortgage takes anywhere
(12:19):
between 45 and 60 days toprepare has multiple people
preparing the documents,alongside realtors that are re
inspecting those documents,multiple checkpoints, notaries
that are actually on site, likethis incredibly complex system
To just a slight, just a littlebit bigger of a deck, and F and
(12:45):
I managers, and the F and Iprocess, whether it's single
point of contact or F and Imanagers, are responsible for
that level of prudence in like,everybody's going. How do I get
them in the F and I office inseven to 10 minutes? So they
don't, so they don't expiretheir Yes, or maintain, like,
that's a brutal proposition, tobe quite honest. Like, when you
(13:05):
put, when you square it right,with similar type of
transaction,
Andy Graff (13:09):
that's a good point.
Yep, you're absolutely right. Iyou know FnI people don't remind
me.
Kyle Mountsier (13:17):
How did you deal how did you deal with it? Like,
when you were in the, in the inthe office, how did you deal
with it? Was it, did you like,was it checklist? Was it
process? Was it some of all ofthe above? Did you have like,
what? What was your processbefore you before there was,
like, more technology introducedto, like, Deal Jacket printing
and stuff like that. Right? Itwas like, impact, sound.
Andy Graff (13:43):
I was before dot matrix. I was with the impact
printers that had the freakingdaisy wheel that used to, like,
have every letter in thealphabet and a couple characters
and numbers, and it would circlearound. That's all that's
remember that that was oldschool,
Paul J Daly (13:59):
school. Holy cow, we should have one of those that
is sort of
Kyle Mountsier (14:01):
well, but, I mean, we're shifting right and,
and it's kind of good, becausewe have much more compliance
coming down the pipe right, andwe're looking, we're still
staring down the barrel ofwhatever the new iteration of
the cars rule, even that's been,that's been kind of put to the
to put the bed, but there willbe something new that arises,
probably at less impact, butwe're staring down the barrel
(14:23):
of, like, significantly morecompliance than we even had,
like, three or four years ago.
What's the new trend lookinglike?
Andy Graff (14:33):
I think leveraging AI is the way everybody's going.
I think using AI to improvespeed, improve processes,
consistency, reliability,thoroughness, I think give us
some practice. Because
Paul J Daly (14:49):
I think one of the things that I think people hear
all the time is we're gonnaleverage AI. So can you give a
couple specific instances in Fand I, how AI? I think that
helps people wrap their mindaround like, oh, it can do that,
or it can be now I don't have todo that anymore. Could you,
like, just kind of like, talk tothe back of the class for us for
(15:10):
a minute.
Andy Graff (15:12):
Yeah. So imagine looking at a driver's license
and seeing an address, right?
And then somebody takes thataddress and types in the address
onto another form, CRM, DMS,whatever, right? You ever do
that yourself in real life? Youtake some information. I mean, I
hate it too. Like, where you goin the auto fill feature isn't
(15:34):
there? You gotta then take theinformation. Like, maybe it's a
credit card number, right? Or,you know, have you ever gone to
a bank where you wanted to,like, copy? You got some
password keeper, and you want tocopy your password because it's
16 characters and it'scomplicated, and you want to
paste it into a field, but thefreaking website won't let you
paste it angry. Now, you got tosit there and paint the longer
you talk to angry, right? Yougot a painstakingly type it
Paul J Daly (15:59):
and, like, reference. Imagine doing
Andy Graff (16:01):
that over and over and over, yes, doing that over
and over again, 16 times, 20times in a day. Because every F
and I deal, you're doublechecking an address of a person,
right? But you got to make surethat what's on the driver's
license matches the paperwork.
So what do you do? You take apiece of paper that you print
out, and you hand it to thecustomer. You say, hey, double
(16:22):
check that I spelled your namecorrectly, and double check that
I put the address right, right.
And they look at it, and theygo, Yep, looks right, but guess
what? It's not right. Theythemselves missed the typo,
right? You transposed twonumbers, or you forgot the
apartment number. There's not adealership I talked to today
that says that doesn't happen.
Well, guess what? Who doesn'tfail that test? Ai doesn't fail
(16:43):
that test. It catches it everytime ever. It just catches it.
It just sees it. It's so obviousto it, because what we see is
numbers. I don't know how AIworks exactly, but it sees it as
data, and it says it needs to bea perfect match, or it's not a
match, right? And it catchesevery time. That's what AI is
doing. Now, that's what we'redoing with our tool, and that's
(17:05):
just like, that's like, what,less than 110 to 1% of what he's
doing. But it's critical,because the byproduct of that
seems like not a big deal, butcheck this out. What happens is
the bank doesn't process thepayment coupon to the right
address, so the guy waits 90days before somebody starts
(17:26):
calling for the bank, going,Hey, you haven't made your first
payment or your second payment.
What gives? Right? He knows darnwell that he should have paid
the payment, but he's using thewrong address as an excuse. Go,
guess what the next call is,call the dealer. It's not my
fault you sent it to the wrongaddress. Well, it kind of is,
(17:46):
you knew you had a payment duein 45 days, so he's blaming it
on the dealer. So now thedealer's got to call in a favor
with the bank, and that thatdoesn't stop there, because now,
in a year from now, when hedoesn't get his registration
renewal, and it misses theaddress right because it goes to
the neighbor's address or theaddress on another whatever
right doesn't go the right partof it. Guess who the next call
(18:08):
is? They're like, Oh yeah, I gotpulled over. My registration is
late. Well, I didn't want to paythe money in the first place.
Now there's penalties. Guess whohe's calling again, the dealer
saying you screwed up myaddress. I didn't get the
renewal. I'm not paying thesefees. And the good dealers, the
dealers who really care aboutcustomer service and doing
things right, they go, Okay,right? And
Michael Cirillo (18:27):
then I'm wondering, how many of these
people are upset when
Unknown (18:32):
you know uncle Frankie shows up with a tow truck and
takes the vehicle away, like,that's way worse. How much of
this scenario, actually, whatpercentage of what you've just
explained has an impact onoverall car repos that they're
reporting. Because it's like, Ijust didn't know what I was
supposed to Hey, I'll be honest,though, like I moved here from
(18:55):
Canada. It is the weirdest thingto me that I can drive the
vehicle home from thedealership. And then every time
I buy a car, I'm like, how theypaying for this thing in Canada?
You can't leave the dealershipunless you've given them the
void check. The insurancecompanies come and given you
your plates. You got toregister. Like so many things
(19:16):
happen. So here, I mean, we buy,I don't know, four or five cars
here. And every time, I'm like,wait, what? How am I
Paul J Daly (19:23):
driving this right?
Now, right? Yeah. And
Unknown (19:26):
then, like you said, 45 days goes by and I get a letter
in the mail from, you know,whatever it is, Toyota Financial
saying, set up your account. AndI'm like, how, how are we even
allowed to drive these things?
Right? Fair
Kyle Mountsier (19:37):
point. It is, wow, but, but that's, I mean,
like, Rudy, the thing you saidis, like, what? What you don't
realize is the residual impactof a single digit on an address
line. And yeah, what if that'sone of the 33 things that AI is
doing the impact not just tolike the bottom line or your
(19:59):
employees. Employeesatisfaction. It's con customer
satisfaction, right? So we, wekeep talking about employee
experience, right? It's not justgood enough to have them feel
great when they buy the car likethat. There's touch points that
you don't even realize arehappening sometimes that are
4591, year, two years down theline, that are created by, like,
(20:22):
just a digit mismatch, right?
And those are the things that weneed to be thinking about. Like,
how do we leverage technology?
How do we leverage things like,what you guys are doing there? I
comply with the deal tracker.
Ai, how do we leverage thosetypes of things to make sure, in
one increase employeesatisfaction? Oh, I don't have
to, like, manually enter thisstuff all day. But also, how do
I help that? You know, then it'scustomer satisfaction and
(20:46):
compliance all wrapped up intoone. And we have the tools. Why
not use them these days? Right?
Unknown (20:53):
Drugs? Yeah.
Michael Cirillo (20:56):
Well, listen, this, we have, this is
fascinating, right? And I'mtelling you, this is, this is,
this is one of those things thatI think has got a lot of people
thinking they're like, What isthe ripple effect of the small
thing, and how much is itcosting us? And I imagine you
have all of that data, which iswhy we can't wait to connect
with you soon. Hey, how canthose listening and watching get
(21:18):
in touch with you?
Andy Graff (21:21):
Two ways, real simple. They can just go to our
website, you know, which iscomply auto.com and on
comply.com there's an inquiryform. Just say, hey, I want to
talk to Rudy. I'll call youback. I'll send you an email. Or
you can go ahead and just emailme directly. If that's all right
with your listeners, you canalways email me at Andy, at
(21:43):
comply auto.com
Unknown (21:46):
All right for joining us here on Auto Collabs.
Michael Cirillo (21:59):
Okay, but just before we recap Kyle, like, how
do you actually do the segue?
Man, it's the game is tight.
Michael
Paul J Daly (22:08):
hasn't been able to think of that for the last 20
minutes. That's why you asked
Unknown (22:12):
him a few questions.
Waiting to ask.
That's it. That's quiet
Paul J Daly (22:16):
in this episode.
He's like, how does Kyle
Kyle Mountsier (22:20):
just got that little, like, bubble up there
about the segways that's got alot of sickness. You and Ben
Hadley, you're just, like,enamored by the Segway game. Me,
you know, when you do segues1000 episodes in a row, like
Paul and I, we just got theSegway game down. You know,
Paul J Daly (22:34):
I'm glad we talked about, like, the practical
solutions so that AI can fix,because again, I know I said it,
or I asked the question, but thereality is, with AI deployments,
a lot of people just can't wraptheir head around, like, what
the AI is going to actually do,right? Such a broad term. And I
think, you know, some of theexamples were right on the
money, because every like, theit's black and white, it's it
(22:58):
matches, or it doesn't match,it's there or it's not there,
and I think that that those arethe types of things that make up
probably 98% of the complianceheadaches that happen. And so
I'm glad to see it, you know,just start to be deployed across
the board. Next up, I just wantAI to, like, be able to operate
QuickBooks for me. So I knowit's compliance in QuickBooks,
(23:20):
but if they can get on that nextlike, just show me last year's P
and L year over year. I
Michael Cirillo (23:26):
mean, this is a really compelling use case for
AI in which future generationsmay never have to worry about
compliance again, because itwon't be a thing anymore. I
think between
Kyle Mountsier (23:37):
AI and blockchain, that's what I think.
I think you're gonna start tosee AI and blockchain. You're
going to see blockchain comeback in. AI is going to be the
tool with, with social leverage,to connect the data and make it
really, really resilient. And,and, and when we get into like,
AI, document sourcing, right?
Like, how do you validatedocument? Real, realness, right?
(24:00):
It's, it's gonna, actually, Ijust got my new passport, and I
was my passport was 10 yearsold, staggered at the complexity
at which, like the materials andthe overlays and all that type
of stuff, had to go in. Because,you know, I mean, you've seen
the photos. You've seen thephotos of the the IDs and the
(24:22):
licenses and the receipts andthe bills that are coming out
from GPT like, oh, things likethis are going to need to be in
in processes, especially aroundhighly regulated industries,
which Auto is.
Paul J Daly (24:38):
Well, there you go.
Just another thing AI is goingto do to make our life easier.
Kyle Mountsier (24:44):
There you go.
Can't make sandwiches, can't
Paul J Daly (24:47):
podcast without us.
Can't come up with Porta Pottystories on on the fly, on the
fly with good behalf of KyleMountsier, Michael Cirillo and
myself. Thank you so much asalways, for giving us a few
minutes. Nuts and hanging out onAuto Collabs.
Unknown (25:02):
Sign up for our free and fun to read daily email for
a free shot of relevant news andautomotive retail media and pop
culture. You can get itnow@asotu.com That's asotu.com
if you love this podcast, pleaseleave us a review and share it
with a friend. Thanks again forlistening. We'll see you next
time.
(25:33):
Welcome to Attica lab recording.
So Michael,
Unknown (00:03):
yeah, just says he doesn't
Paul J Daly (00:06):
even know what I'm gonna ask. He's like, I don't
want to hear
Unknown (00:14):
it. This is Auto Collabs. I
don't know. I'm nervous. Sothere's
Paul J Daly (00:18):
literally a porta potty across from my window.
Now,
Kyle Mountsier (00:23):
are you still on this Porta Potty thing? No, I
actually, I
Paul J Daly (00:26):
actually, like, I started recording, like, the
video where I kicked the dooropen and I come out and I say
something clever. I can'tremember what I said, and I
don't know where the footage is,but I bet it's gonna be awesome
if I find it.
Kyle Mountsier (00:41):
That's, that's really, that's the whole story.
Paul J Daly (00:43):
That's the whole story. I wanted to be excited
about it and be like, oh, youknow what? That reminds
Kyle Mountsier (00:49):
me of a porta potty time that I kicked in the
Porta Potty door. It wasawesome, dude. There was, there
were
Paul J Daly (00:55):
some antics going on with porta potties when you
were in college. Speaking
Michael Cirillo (00:58):
of porta potties, you know, one day,
Where's he gonna take this one,one time I was in an office, and
both we had, you know, everyoffice has one of those people
that you're like, how do you getany work done when you're in the
bathroom for like, seven hoursof a day, right? We had one of
those scenarios, and I had to goto the bathroom so bad. So I
full on committed to getting inmy truck and driving back to my
(01:19):
house, and my car broke down onthe way home. Oh no,
Paul J Daly (01:24):
guys, that's a bad one.
Michael Cirillo (01:27):
I'm waiting for the segue like I'm just trying
to feed material to Kyle. JpT,Kyle, and I'm like, what is I
have
Paul J Daly (01:33):
another story that I mean, if he has one, I have
another one that can attack. I'mlike, I don't think we should
keep tagging on Porta Pottystories. Well this, I think
porta potty, this is a regularbathroom story. Oh no, my office
in the last building we were at,I wasn't even thinking this
through, but it was across fromthe bathrooms, right? And so,
like, that's a problem. I keptmy door shut a lot, but the real
(01:54):
deal is that I had to move mydesk to the other side of the
office because it was reallyweird when people are going,
like, I could make eye contact,right? And so I was like, Hey,
Kyle Mountsier (02:03):
we're going in and out. Yeah, speaking of
offices that are normally acrossfrom the bathroom, oh, that's a
great way, actually, right?
Because normally down the hall,back to the right, then across
in the bathroom. Talking to Rudytoday, he's a storied F and i
Manager in the auto industry.
(02:24):
Now works with comply auto afterbeing with Galpin for so long,
and I'm excited to hear hisstories. Because, you know,
like, if someone's been in thebusiness for a while, and they
were anywhere around the F and Ioffice, like they know about our
business, they've seen stuffwith the band the ugly that
we're not going to keep talkingabout porta potties, but we will
probably talk a lot about F andI and the stories in the car
(02:46):
business. We hope you enjoy thisconversation with Rudy. All
right, we got Andy, Rudy Graffand I said that on on purpose,
because my first question is,you know what I gotta ask? We
gotta know, how'd you get thename Rudy boss? Well,
Andy Graff (03:02):
that's my F and I character. That's when I get
into a form work in the F and Ioffice, really,
Paul J Daly (03:10):
yeah, yeah.
Kyle Mountsier (03:12):
Was that like, that was like, a crew? Did
someone name you, or did youname yourself?
Andy Graff (03:17):
No, it's a little bit of a joke. It just stuck
with me all these years. Soyears later, they called me that
I think may have been I startedso long ago in the business, and
it was like, back then, it was alittle bit of the Wild West in F
and I. And so sometimes maybeyou kind of want to keep your
head down, and maybe, you know,you didn't want to let the
customer know what your realname was, in case there was a
(03:38):
little boomeranging back. Ohboy. So maybe if they ask for
Rudy, as opposed to Andy, theywould be like, Hey, where's
Rudy? Who's Rudy?
Paul J Daly (03:49):
Wow, that's a blast.
Kyle Mountsier (03:51):
That means you've been in the business a
hot minute. Take us back. Like,What? What? What did getting
into this business look like?
Because sounds like you. You'veseen, you've seen it all,
because maybe where that wherethat heart came from, isn't
where you are now. But where did
Andy Graff (04:05):
this? Oh, man, it started a long time ago. I
actually was in real estate, andif anybody remembers, because
I'm dating myself. And 89 therewas a big real estate recession.
So there was an ad in thenewspaper said, train for a
recession proof career in theautomobile business. So I'm
thinking, Okay, it's 1990 let'sgo for it. And so I didn't,
never, ever work there. Andright before that, I go to an F
(04:27):
and I office. This is a truestory. So I go with my friend to
go buy a car. This guy's quotingus a payment. Now, it's a pack
payment. I don't know anythingabout it. It's got leg in it, as
they called it, and they'retelling the payments 333 and I'm
pretty good with math, so I'mtelling the guy, it's not 333
it's 300 so we go through thewhole process. We're in F and I,
and I'm challenging the guy. I'mlike, print the damn format. I'm
(04:48):
telling you it's 300 it's not333 I'm not the second baseman
from hell, right? So the guy'slike, fine. I print the thing
out. Payments, $300 a month. I'mtelling my friend. See, I told
you. It's $300 a month. I'm sonaive. I have no idea what a leg
is. I don't realize that thispayments been packed so they
could sell them product forlike, you know, $10 more, you
(05:09):
get the $6,000 extended servicecontract, right? Isn't that a
deal, right? And, you know, eventhough math is always the same,
this is how they sold back thenin the early 90s, right? And so
I'm, I'm dumbfounded by thewhole thing, and so putting two
and two together, I'm thinking,This guy's an idiot. Doesn't
know math. I'm good at math. Ineed a new job because I got
blown out of real estate becausethe recession. So guess what I'm
(05:32):
going to do? I'm going to trainfor recession proof, for a
career being a finance guy in acar dealership. So I go to the
first interview, the secondinterview, they're like, don't
work that way, son, you gottawork the line, right? You gotta
go sell cars, yeah? And so oneby one, everybody's,
Unknown (05:47):
he's like, it's just 300
Andy Graff (05:49):
before I knew anything, right? Yeah, right. So
I finally get my first job. Theguy's like, don't worry, you're,
you know, like the Italian,don't worry, you'll get the job.
Oh, and so I find out, yeah, I'mnot in F and I, I'm on the
phones in F and I, I'm not afinance guy. I'm cold calling
customers trying to sell productand get them back in the store.
I'm working for the F and Idirector, who also moonlights as
(06:13):
the leasing manager. So I'mcalling lease customers trying
to sell product and get him, youknow, to not buy out their cars,
to come back yet. I did that forlike, two years. Finally, I'm
begging and pleading to be asalesperson at this
organization. And they're like,you know, son, you can't sell
cars here without experience.
I'm like, I've been here for twoyears. Like, yeah. And I'm like,
You're telling me, I gotta gowork somewhere else, sell cars
for a year or two and then comeback. And they're like, yep. And
(06:35):
I'm like, no, what? I'm like,I've been a good employee for 10
years, right? Working thephones, cold calling people.
Like, that's how it works. Said,but there's a but I got one
option for you. I'm like, What'sthat? He goes, You handle the
lemon law customers. I'm like,How bad can those people be?
Right?
Paul J Daly (06:57):
Yeah, everything's going fine. They're not
stressed. They're not worriedabout anything, and they have a
really high view of the store atthat.
Andy Graff (07:06):
Oh yeah. They love everybody, right? I mean, and
you want to talk about, they arerelentless. They will figure out
what your home phone, you know,back then barely, you know, cell
phones were coming out. Theyfigure out your home phone.
They're doing site visits.
They're showing up, just naggingyou to death, because, you know,
to get to lemon law, you gottaget pretty far down the back
Paul J Daly (07:25):
too. It wasn't even close to what it was now like,
now it's like, oh, the thirdthing, everyone knows it's gonna
happen. And right back then itwas like, No, it was brutal. And
Andy Graff (07:35):
so these people were the worst of the worst. They
were just like, haters ofeverything, and they just were
driving me crazy. Anyways, longstory short, like I did that for
a year, it almost caused me adivorce, almost caused me my
job. And after a year of doingit for the company, like, you
know, take one for the team, ifyou will, they're like, Okay,
now you can go sell cars, and bythe way, you know you're not
(07:56):
going to get any leads. You gotto go get your own leads. You
got to work your way. So I didthat for a couple years, and
then I finally got my shot in Fand I and so then I started, you
know, doing the F and I gig.
Paul J Daly (08:06):
I love to talk about, like, so you've obviously
seen the industry from adifferent era, actually, like,
what you're talking about, theway F and I worked, and the way
compliance worked was a wholedifferent world than it is
today. And now compliance is,you know, front and center.
Sophistication is growingrapidly because of technology.
(08:27):
And you know, compliance is, isit's not as much a conversation
of if it's when right, ifsomeone's going to find
something right, because you canalways, I can't remember who it
was. They said somebody canalways find something right?
Like, if you, if you're lookinghard enough, you always be able
to find something wrong withsomething. And a lot of a lot of
it is like, how can you be ascertain as possible that
(08:48):
mistakes are getting caught andthat you have the ability to
say, like, we've been doingextreme diligence to make sure
we are compliant. How would youexplain the modern compliance
environment, especially now thatall this new AI tech is being
quickly injected into theindustry. So
Andy Graff (09:04):
great question regarding the compliance of
today, a lot different than itwas in the early 90s. No
question about it. I believenow, because I work in
California, and it's verylitigious, and I think a lot of
the lemon law lawyers that yousee out there, they're not even
trying to go for a lemon lawthey want to look at the deal.
(09:27):
That's what they want. They'reon what I call the fishing
expedition, because there'sgoing to be something wrong.
It's not an if it's a whenthere's there's hardly ever a
clean deal out there. Every dealhas got some sort of problem
with it. And the question is,when do you catch it and how
much does it cost you? So youwant to get in front of that as
quickly as possible. I mean, thetruth is, and in my kind of
(09:50):
later roles in my career in thecar business, I was, I was the
VP of sales, and when we trainedfi people, you know, and I know
there's a lot of and I thinkthis. Is going to probably raise
some eyebrows out there, but alot of people say finance people
are out there to make money. Butthe primary function of a
finance person, their first andforemost function isn't selling
(10:11):
product, is protecting thestore, protect the deal, right,
exactly. And if they're notprotecting the dealership and
they're putting money in frontof that, that's where you start
getting real problems. And I'mnot saying that they shouldn't
do both. They should protect thestore and make money for the
store, absolutely, and theyshould make sure the customer
has a great experience. So allthree of those things. But how
(10:33):
do you do all three of thosethings? You know? How do you do
it? All right? And a lot offinance people today were really
just sales people that just werebetter sales people. They just
did a better job than everybodyelse. So now they're the finance
guy and,
Kyle Mountsier (10:47):
yeah, they're not lawyers, right?
Andy Graff (10:50):
And they weren't great with paperwork last time
as a salesperson. I mean, I'lltell you, I was never great with
paperwork, but I got better infinance. I wasn't perfect,
right? Two the best people withpaperwork are they're the people
in the business office that sendthe deal back to you, going,
dumb ass. This again, right?
Billy,
Kyle Mountsier (11:09):
amazing at paperwork. I'm telling you
Andy Graff (11:14):
true story. One of our biggest competitors had
multi rooftops down the streetfrom us. Did exactly that.
Kicked out all the F and Ipeople, literally phased them
all out, got rid of them. Saidyou can go be salespeople or F
and I people, somewhere else,whatever you want. We're closing
down the F and I people. Theytook all the billing clerks and
made them F and I P and, youknow what? The paperwork is
(11:35):
perfect. But they didn't sellanything, right? So it was like,
it was like, an epic disaster,right? So they're like, Okay,
this isn't gonna work. So thenthey replaced all those people,
you know, with FMI people, andthe pendulum swing the other way
again, right? Now, suddenly, youknow they're selling. Grosses
are good, but the paperworksucked, right? And so you
Kyle Mountsier (11:55):
find that perfect. Think about this. I
think about this, Rudy, you'vegot a deal jacket that's
typically, maybe slightly lessthe size of a mortgage, right?
Like mortgage is this thick,right these days, and you just,
like, barely move your fingersdown, and that's, that's an
automotive deal jacket. And,yep, a mortgage takes anywhere
(12:19):
between 45 and 60 days toprepare has multiple people
preparing the documents,alongside realtors that are re
inspecting those documents,multiple checkpoints, notaries
that are actually on site, likethis incredibly complex system
To just a slight, just a littlebit bigger of a deck, and F and
(12:45):
I managers, and the F and Iprocess, whether it's single
point of contact or F and Imanagers, are responsible for
that level of prudence in like,everybody's going. How do I get
them in the F and I office inseven to 10 minutes? So they
don't, so they don't expiretheir Yes, or maintain, like,
that's a brutal proposition, tobe quite honest. Like, when you
(13:05):
put, when you square it right,with similar type of
transaction,
Andy Graff (13:09):
that's a good point.
Yep, you're absolutely right. Iyou know FnI people don't remind
me.
Kyle Mountsier (13:17):
How did you deal how did you deal with it? Like,
when you were in the, in the inthe office, how did you deal
with it? Was it, did you like,was it checklist? Was it
process? Was it some of all ofthe above? Did you have like,
what? What was your processbefore you before there was,
like, more technology introducedto, like, Deal Jacket printing
and stuff like that. Right? Itwas like, impact, sound.
Andy Graff (13:43):
I was before dot matrix. I was with the impact
printers that had the freakingdaisy wheel that used to, like,
have every letter in thealphabet and a couple characters
and numbers, and it would circlearound. That's all that's
remember that that was oldschool,
Paul J Daly (13:59):
school. Holy cow, we should have one of those that
is sort of
Kyle Mountsier (14:01):
well, but, I mean, we're shifting right and,
and it's kind of good, becausewe have much more compliance
coming down the pipe right, andwe're looking, we're still
staring down the barrel ofwhatever the new iteration of
the cars rule, even that's been,that's been kind of put to the
to put the bed, but there willbe something new that arises,
probably at less impact, butwe're staring down the barrel
(14:23):
of, like, significantly morecompliance than we even had,
like, three or four years ago.
What's the new trend lookinglike?
Andy Graff (14:33):
I think leveraging AI is the way everybody's going.
I think using AI to improvespeed, improve processes,
consistency, reliability,thoroughness, I think give us
some practice. Because
Paul J Daly (14:49):
I think one of the things that I think people hear
all the time is we're gonnaleverage AI. So can you give a
couple specific instances in Fand I, how AI? I think that
helps people wrap their mindaround like, oh, it can do that,
or it can be now I don't have todo that anymore. Could you,
like, just kind of like, talk tothe back of the class for us for
(15:10):
a minute.
Andy Graff (15:12):
Yeah. So imagine looking at a driver's license
and seeing an address, right?
And then somebody takes thataddress and types in the address
onto another form, CRM, DMS,whatever, right? You ever do
that yourself in real life? Youtake some information. I mean, I
hate it too. Like, where you goin the auto fill feature isn't
(15:34):
there? You gotta then take theinformation. Like, maybe it's a
credit card number, right? Or,you know, have you ever gone to
a bank where you wanted to,like, copy? You got some
password keeper, and you want tocopy your password because it's
16 characters and it'scomplicated, and you want to
paste it into a field, but thefreaking website won't let you
paste it angry. Now, you got tosit there and paint the longer
you talk to angry, right? Yougot a painstakingly type it
Paul J Daly (15:59):
and, like, reference. Imagine doing
Andy Graff (16:01):
that over and over and over, yes, doing that over
and over again, 16 times, 20times in a day. Because every F
and I deal, you're doublechecking an address of a person,
right? But you got to make surethat what's on the driver's
license matches the paperwork.
So what do you do? You take apiece of paper that you print
out, and you hand it to thecustomer. You say, hey, double
(16:22):
check that I spelled your namecorrectly, and double check that
I put the address right, right.
And they look at it, and theygo, Yep, looks right, but guess
what? It's not right. Theythemselves missed the typo,
right? You transposed twonumbers, or you forgot the
apartment number. There's not adealership I talked to today
that says that doesn't happen.
Well, guess what? Who doesn'tfail that test? Ai doesn't fail
(16:43):
that test. It catches it everytime ever. It just catches it.
It just sees it. It's so obviousto it, because what we see is
numbers. I don't know how AIworks exactly, but it sees it as
data, and it says it needs to bea perfect match, or it's not a
match, right? And it catchesevery time. That's what AI is
doing. Now, that's what we'redoing with our tool, and that's
(17:05):
just like, that's like, what,less than 110 to 1% of what he's
doing. But it's critical,because the byproduct of that
seems like not a big deal, butcheck this out. What happens is
the bank doesn't process thepayment coupon to the right
address, so the guy waits 90days before somebody starts
(17:26):
calling for the bank, going,Hey, you haven't made your first
payment or your second payment.
What gives? Right? He knows darnwell that he should have paid
the payment, but he's using thewrong address as an excuse. Go,
guess what the next call is,call the dealer. It's not my
fault you sent it to the wrongaddress. Well, it kind of is,
(17:46):
you knew you had a payment duein 45 days, so he's blaming it
on the dealer. So now thedealer's got to call in a favor
with the bank, and that thatdoesn't stop there, because now,
in a year from now, when hedoesn't get his registration
renewal, and it misses theaddress right because it goes to
the neighbor's address or theaddress on another whatever
right doesn't go the right partof it. Guess who the next call
(18:08):
is? They're like, Oh yeah, I gotpulled over. My registration is
late. Well, I didn't want to paythe money in the first place.
Now there's penalties. Guess whohe's calling again, the dealer
saying you screwed up myaddress. I didn't get the
renewal. I'm not paying thesefees. And the good dealers, the
dealers who really care aboutcustomer service and doing
things right, they go, Okay,right? And
Michael Cirillo (18:27):
then I'm wondering, how many of these
people are upset when
Unknown (18:32):
you know uncle Frankie shows up with a tow truck and
takes the vehicle away, like,that's way worse. How much of
this scenario, actually, whatpercentage of what you've just
explained has an impact onoverall car repos that they're
reporting. Because it's like, Ijust didn't know what I was
supposed to Hey, I'll be honest,though, like I moved here from
(18:55):
Canada. It is the weirdest thingto me that I can drive the
vehicle home from thedealership. And then every time
I buy a car, I'm like, how theypaying for this thing in Canada?
You can't leave the dealershipunless you've given them the
void check. The insurancecompanies come and given you
your plates. You got toregister. Like so many things
(19:16):
happen. So here, I mean, we buy,I don't know, four or five cars
here. And every time, I'm like,wait, what? How am I
Paul J Daly (19:23):
driving this right?
Now, right? Yeah. And
Unknown (19:26):
then, like you said, 45 days goes by and I get a letter
in the mail from, you know,whatever it is, Toyota Financial
saying, set up your account. AndI'm like, how, how are we even
allowed to drive these things?
Right? Fair
Kyle Mountsier (19:37):
point. It is, wow, but, but that's, I mean,
like, Rudy, the thing you saidis, like, what? What you don't
realize is the residual impactof a single digit on an address
line. And yeah, what if that'sone of the 33 things that AI is
doing the impact not just tolike the bottom line or your
(19:59):
employees. Employeesatisfaction. It's con customer
satisfaction, right? So we, wekeep talking about employee
experience, right? It's not justgood enough to have them feel
great when they buy the car likethat. There's touch points that
you don't even realize arehappening sometimes that are
4591, year, two years down theline, that are created by, like,
(20:22):
just a digit mismatch, right?
And those are the things that weneed to be thinking about. Like,
how do we leverage technology?
How do we leverage things like,what you guys are doing there? I
comply with the deal tracker.
Ai, how do we leverage thosetypes of things to make sure, in
one increase employeesatisfaction? Oh, I don't have
to, like, manually enter thisstuff all day. But also, how do
I help that? You know, then it'scustomer satisfaction and
(20:46):
compliance all wrapped up intoone. And we have the tools. Why
not use them these days? Right?
Unknown (20:53):
Drugs? Yeah.
Michael Cirillo (20:56):
Well, listen, this, we have, this is
fascinating, right? And I'mtelling you, this is, this is,
this is one of those things thatI think has got a lot of people
thinking they're like, What isthe ripple effect of the small
thing, and how much is itcosting us? And I imagine you
have all of that data, which iswhy we can't wait to connect
with you soon. Hey, how canthose listening and watching get
(21:18):
in touch with you?
Andy Graff (21:21):
Two ways, real simple. They can just go to our
website, you know, which iscomply auto.com and on
comply.com there's an inquiryform. Just say, hey, I want to
talk to Rudy. I'll call youback. I'll send you an email. Or
you can go ahead and just emailme directly. If that's all right
with your listeners, you canalways email me at Andy, at
(21:43):
comply auto.com
Unknown (21:46):
All right for joining us here on Auto Collabs.
Michael Cirillo (21:59):
Okay, but just before we recap Kyle, like, how
do you actually do the segue?
Man, it's the game is tight.
Michael
Paul J Daly (22:08):
hasn't been able to think of that for the last 20
minutes. That's why you asked
Unknown (22:12):
him a few questions.
Waiting to ask.
That's it. That's quiet
Paul J Daly (22:16):
in this episode.
He's like, how does Kyle
Kyle Mountsier (22:20):
just got that little, like, bubble up there
about the segways that's got alot of sickness. You and Ben
Hadley, you're just, like,enamored by the Segway game. Me,
you know, when you do segues1000 episodes in a row, like
Paul and I, we just got theSegway game down. You know,
Paul J Daly (22:34):
I'm glad we talked about, like, the practical
solutions so that AI can fix,because again, I know I said it,
or I asked the question, but thereality is, with AI deployments,
a lot of people just can't wraptheir head around, like, what
the AI is going to actually do,right? Such a broad term. And I
think, you know, some of theexamples were right on the
money, because every like, theit's black and white, it's it
(22:58):
matches, or it doesn't match,it's there or it's not there,
and I think that that those arethe types of things that make up
probably 98% of the complianceheadaches that happen. And so
I'm glad to see it, you know,just start to be deployed across
the board. Next up, I just wantAI to, like, be able to operate
QuickBooks for me. So I knowit's compliance in QuickBooks,
(23:20):
but if they can get on that nextlike, just show me last year's P
and L year over year. I
Michael Cirillo (23:26):
mean, this is a really compelling use case for
AI in which future generationsmay never have to worry about
compliance again, because itwon't be a thing anymore. I
think between
Kyle Mountsier (23:37):
AI and blockchain, that's what I think.
I think you're gonna start tosee AI and blockchain. You're
going to see blockchain comeback in. AI is going to be the
tool with, with social leverage,to connect the data and make it
really, really resilient. And,and, and when we get into like,
AI, document sourcing, right?
Like, how do you validatedocument? Real, realness, right?
(24:00):
It's, it's gonna, actually, Ijust got my new passport, and I
was my passport was 10 yearsold, staggered at the complexity
at which, like the materials andthe overlays and all that type
of stuff, had to go in. Because,you know, I mean, you've seen
the photos. You've seen thephotos of the the IDs and the
(24:22):
licenses and the receipts andthe bills that are coming out
from GPT like, oh, things likethis are going to need to be in
in processes, especially aroundhighly regulated industries,
which Auto is.
Paul J Daly (24:38):
Well, there you go.
Just another thing AI is goingto do to make our life easier.
Kyle Mountsier (24:44):
There you go.
Can't make sandwiches, can't
Paul J Daly (24:47):
podcast without us.
Can't come up with Porta Pottystories on on the fly, on the
fly with good behalf of KyleMountsier, Michael Cirillo and
myself. Thank you so much asalways, for giving us a few
minutes. Nuts and hanging out onAuto Collabs.
Unknown (25:02):
Sign up for our free and fun to read daily email for
a free shot of relevant news andautomotive retail media and pop
culture. You can get itnow@asotu.com That's asotu.com
if you love this podcast, pleaseleave us a review and share it
with a friend. Thanks again forlistening. We'll see you next
time.
(25:33):
Welcome to Attica lab recording.
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