Last Thursday, LEND (Lending for Evanston and Northwestern Development) and NCDC (Northwestern Community Development Corps) welcomed Tom Coleman to speak about Bottom Billion Microfinance at Northwestern’s Harris Hall. Despite the blistering cold, more than 40 people crowded in to learn about poverty, microfinance and the Bottom Billion Fund.  I noticed a wide variety of people in the audience: young and old, students and non-students, people knowledgeable about microfinance and those just being introduced to what it’s all about.

Tom opened his talk with an overview of global poverty. Following a  video featuring Hans Rosling speaking about economic progress over the past 200 years, Tom expressed both optimism and concern regarding the state of poverty today. We learned that while aid organizations have done a tremendous job increasing health throughout the third world, there is still much work to be done in the fight against poverty. Tom drew on his extensive experience as a VP economist at the Chicago Board of Trade and also as a consultant to numerous Microfiance Institutions (MFIs) worldwide to help the audience understand the real world implications behind global poverty statistics, and the impact economic opportunity can have. He stressed that though microfinance cannot be considered a panacea in combating poverty, it has proven to be a very effective tool, having uplifted millions out of poverty.

We learned how many MFIs today are targeting the ‘rising poor’ and the global middle class: those earning between $1.25 and $25 a day. While this is good work, Tom pointed out, the extremely poor, or those earning less that $1.25 a day, are often neglected by most MFIs. He went on to explain how the new Bottom Billion Fund will maintain a rigorous focus on lending assistance to the poorest people in the world: the Bottom Billion.  He talked about Bottom Billion Fund’s mission, about the nonprofit Fund “not being in business for the profits, but for the poverty”, and about the organization’s vision for scaling an investment model that can help to bring many of the extremely poor out of extreme poverty.

The presentation created an informative dialogue amongst the audience as the crowd asked the critical questions being discussed in microfinance today. Some attendees wondered if microfinance is sustainable? How effective can it be? Are some people simply destined to be poor? The most memorable moment, for me, came when a girl who questioned why an MFI would ever make a loan to an area where there is no market or existing capital. Coleman responded that though this can be a risky prospect, sometimes a small loan is all that is needed to stimulate sustainable market activity. He supported his point by providing some inspiring success stories. Whether attendees walked out inspired by Coleman’s noble ambition or simply learned what microfinance is, everyone walked out knowing something that they did not know before.

On the whole, the night was a great success, as everyone really seemed to enjoy the talk. I know I did.


Joshua Zieve

Bottom Billion Fund 2011-2012 Fellow

On Thursday, January 19th at 7PM, Lending for Evanston and Northwestern Development (LEND) and the Northwestern Community Development Corps (NCDC) welcomes Tom Coleman, a former Chicago Board of Trade executive and the Co-Founder of the new microfinance investment fund, Bottom Billion Fund.  Coleman will be speaking in Harris Hall on national and international poverty and microfinance.

The Bottom Billion Fund brings microfinance tools and training to those who live on less than $1.25 per day—the billion extremely poor people at the bottom of the economic pyramid. Bottom BIllion Fund’s approach is markedly different from most other microfinance investment organizations, which usually target the ‘rising poor’, or ‘global middle class’: those earning between $1.25 to $25 a day.

This speaker event marks LEND’s first co-sponsorship with the NCDC, the premier community engagement and service organization on campus. NCDC “promotes civic engagement through direct service, social awareness, and advocacy,” and is very active within the Evanston community. NCDC outreach and service teams have been valuable partners in efforts to find new contacts in the community, and this co-sponsorship represents the latest step forward in this relationship.

The event is free and open to the public. We look forward to seeing you there!

The Bottom Billion Fund Team

Happy New Year from Bottom Billion Fund!

As we look ahead to our work to be done in 2012, we’d like to take a moment to thank you, our supporters, for helping us to achieve the strong momentum we’ve built these past two months, during which time we’ve:

  • Launched our first website
  • Started our Bottom Billion Fund blog
  • Engaged 127 new supporters & fans of microfinance and extreme poverty solutions on facebook and twitter
  • Welcomed our first Friends of Bottom Billion Fund Photographers (like Jonathan Kalan at The BoP Project ; check out his and other photographers’ amazing work on our webpage)
  • Spoke with thought leaders and pioneers working on extreme poverty solutions as part of our first global teleconference with the Food For All Summit
  • Partnered with Global Room for Women & Buying2Give to help online shoppers support extreme poverty solutions when they shop at Amazon
  • Received $2,000 in pledges in our first crowdfunding effort!

What a fantastic couple of months!

We look forward to achieving continued progress in 2012 as we continue to build advocacy, funding and outreach for Bottom Billion Microfinance. Thank you for backing us from the start. We wouldn’t have come this far without you.

And now… onto 2012! We will keep you updated on our progress as we work to place our first investment.  To donate or learn other ways to get involved in our work this New Year, click here.

A billion thanks for your continued support as we work together to build the Bottom Billion Fund,

Tom & the Bottom Billion Fund Team

Make a difference before this year ends.

Hope you are still feeling the glow of a wonderful holiday season with your family and friends, and with all the other blessings in our lives.

As we reflect on the year past and the new year of 2012 about to be born, I cannot help thinking of the children that are now being born into extreme poverty and hunger in our world of abundance.

The Bottom Billion Fund is committed to going beyond the charity of “feed a child for a day”. We invest in microfinance for the poorest women to help every mother feed her own child every day.

Join us by making a donation to the Bottom Billion Fund at Our loan capital is lent, not spent and used over and over again to help poor mothers work their own way out of extreme poverty.

We all wish for a kinder world where every child has a chance to survive and thrive. We can turn wishes into action. This is a chance to be the change you want to see in our world.

There is still time to make a difference this year before we celebrate the New Year of 2012. It will put a smile on your face.

Donate now to make a powerful difference in the lives of those who lack the most

And have a happy and prosperous New Year!


Bottom Billion Fund (BBF) is a 501c3 registered nonprofit microfinance investment fund dedicated to pushing the envelope of microfinanace that does the most to help end extreme poverty. All donations to the Bottom Billion Fund are tax-deductible.

Below is a partial transcript of my conversation with Thon Moses Chol from the Nov 30th Food for All Summit.  Thon is a member of the Lost Boys of Sudan who now works as an educational specialist and social worker with the Child and Family Services Agency in Washington D.C.

Thon was fortunate to have survived years of war and genocide in Sudan (his parents did not survive).  Now with a Master’s degree and working with the US govt in DC, Thon recently returned to Sudan to speak with politicians and villagers about how civil discourse — not violence– can better facilitate the economic growth and citizen empowerment that the Sudanese are yearning for.

Thon’s incredible trajectory from Lost Boy refugee to Washington DC activist has been the result of hard work, faith and perseverance that followed an opportunity of good fortune amid death and tragedy.  Today, in appreciation of his good fortune, Thon dedicates his life to cultivating opportunities for the downtrodden and forgotten to thrive.

Give thanks for your good fortune by helping to bring the dignity of opportunity to the planet’s downtrodden and forgotten who face death on a daily basis.  Bottom Billion Fund is committed to bringing financial tools and training to the world’s poorest people living on less than $1.25 a day so that they can work more productively to survive, and to improve their lives.

Just as Thon is doing his part, we are working to do ours. 

Join us.  Consider making a donation, today. 


Partial transcript from my conversation with Thon Moses Chol at the Nov 30th Food for All Summit:  (special thanks to Joshua Zieve for the transcription)

Tom Coleman:  Thon Moses Chol is from South Sudan, but grew up in refugee camps in Kenya and Ethiopia. Thon, what was your childhood like? How did you end up in refugee camps?

Thon Moses Chol:  I was born in 1983 in the Kapa Nile state in South Sudan. I was part of the group known as the “Lost Boys and Lost Girls” of Sudan, the group that fled their home to escape the violence of the civil war.

I’m not sure if all are aware of the situation in Sudan, but there has been a civil war there for about the past 25 years. Because of that, I was separated from my family at the age of four. I fled home in 1987 with some relatives and friends to Ethiopia. Along the way, we lost a lot of kids. We didn’t have much assistance while we were traveling, so a lot of people died from starvation, thirst, various diseases, wild animal attacks, and drowning while crossing rivers on our way to Ethiopia.  I got to Ethiopia at the age of seven and stayed there almost four years.

It was not an easy thing leaving home where someone was overseeing my general welfare as a child, and then ending up in Ethiopia, in refugee camps, where I had to take charge of my own life.  I had to develop to be independent, instead of dependent on anybody, because at the time there was no one there for me. But as time went by, I learned to stay with other kids and that’s when many people heard that unaccompanied minors were a part of their group.

In the ‘90s, due to disruption in Ethiopia, I fled Ethiopia and came back to South Sudan, where I stayed for a couple months between the border of Sudan and Ethiopia in Pochala. At that time, there were a lot of bombardments from the northern government. Also, there was a shortage of food.  As a result, we made our way, walking again, to the Sudanese and Kenyan border. It took us a couple of months, and we experienced a lot of anguish with more lives lost. But we kept moving, with the hope that things would eventually change. In 1992 I entered Kenya and lived there [in refugee camps] for most of my life, until 2000, when I got an opportunity to come to the US.

Life in the refugee camp was really difficult because you depended on aid.  Food was distributed every two weeks.  When you run out of your food, you have to wait.  The northern part of Kenya is semi-desert, so most of us were unable to do any sort of farming.

At that time, I received education. Started at grade three, and then went on to fourth grade at a private school. Many of us coped with the situation. Around ‘94 or ‘93 a lot of young men and women went back to Sudan, joined the forces, and joined the war.  At some point, I decided to go, but I was too young, so I was not able to go. I was told that it was best for me to go to school and stay in the camp. So I lived in the camp. In 2000, I gained employment.  Soon after, I was very fortunate to be part of the group that was given permission to resettle in the US. I was part of the Lost Boys and Lost Girls of Sudan.

I was resettled by a Lutheran refugee camp affiliate service.  Because I came as a minor, I was put in the US foster care system.  I was able to continue my schooling and completed high school in 2001.  I then went on and pursued my Associate degree, and then my Bachelor’s degree, and then my Masters degree (in 2008).  I am currently working for the US government in DC as one of the educational reform specialists with the child resettlement services agency.  I’ve been in this position for the past three years.  Prior to this appointment, I was interning with US senators, first Carl Levin and then David Robertson.

In 2010, I testified before the Tom Lantos Human Rights Commission. I spoke about my experience as a refugee in the US and also as a refugee abroad.  I gave some concerns and some of my recommendations about what the US can do to serve refugees well, both domestically and internationally.

TC: Can you share with us some of the specific recommendations that you made to Tom Lantos and the committee about refugees?

TMC:  A first recommendation was regarding protection.  When you come from camps in Kenya, and other various places, there is quite a bit of insecurity.  When people are going through security issues, those people should be given priority.

The second was refugee funding. Because of the type of funding, it has been very, very difficult for more refugees to come to the US.  Last night I met with [the head of UNHCR’s resettlement service] Wei-Meng Lim-Kabaa.  One of the things that she shared is that the US is taking less and less refugees, which is a huge concern. The US was the world leader in taking in resettled refugees, but the number has decreased.  I think in part it is due to the economic crisis.

One of the things that really helps refugees is giving them the right foundation, because a lot of these refugees, when they come to the US, they want to begin a new life. And when they begin a new life, a lot of them do not really ask for a handout.  Rather, they ask for where they can find employment and where their children will go to school.  For young people, like myself, they focus very much on getting an education or vocational training. So the other area where I made a recommendation was concerning mental health. There are quite a number of refugees, some who have gone to war, some who have gone through torture or persecution, or all kinds of things. So when they come here, they have a variety of mental challenges.  And the Department of Mental Health should make some appropriate approach to help some of these refugees, in order to give some mental assistance that can ease their integration into society.

TC: I’m so glad you mentioned that, and it just seems to me a very important challenge for us to address.

TMC: I’ll give you a specific example. When I first came to Michigan in 2001, my foster parents took me to a circus where you go to watch animals.  I’m sure most of you are familiar.  It was ok at first.  Eventually the family went down to watch the fireworks.  What I didn’t know was that it was a lot of sound and explosions and everything.  They didn’t know, but to me as a person who has been in war and has seen people dying and has been bombed several times and ambushed on a couple of occasions, though I thought that I had gotten over my fear and post-traumatic stress, after I went with them and was watching fireworks, I got really scared.  I told them that I wasn’t really enjoying this because it reminded me of what I went through in my hometown, and it doesn’t really make a lot of sense to me because the sounds were too scary for me and were bringing back a lot of memories. After I explained that, they took me back home.

There are some things that someone may go through, whether witnessing whatever sin that happened or being involved in the sin that happened.  If there is no proper treatment, it can still come back.  Small things trigger it.  Mental health is a big issue for the refugees.

Culture plays a big role, too.  Some people prefer a specific way of approaching mental health. For instance, in my culture, we’d be much more comfortable to talk to fellow people or fellow Africans about our mental states, but if I have to see a professional counselor or a psychologist, people will have a different connotation… that I have a mental condition that is a big problem. So a lot of refugees shy away from being coined that way.  Prior to coming to this country, I had never seen a doctor, never seen a nurse, never had a dental check.  When I came here I went through a lot of check-ups and stuff like that.  Though I went through the program, there were other refugees who didn’t have the chance, or they have no way of getting treatment because they cannot afford to see the doctor.  Health is a huge concern, especially for those who are here.

Regarding employment, a lot of refugees came with skills, but sometimes it takes quite a while for those skills to be translated here.  And because there are no programs that help people translate those skills to here or to the workforce, it creates barriers.  I know someone who had a degree in electrical engineering, but he ended up working in a factory.  So you can see someone who had a higher degree working a manual job.  So those are some of the anxieties that people go through, especially for families, because it can take a while for people to adjust.  For me, I was 17, so it was a lot easier for me to adjust to a new country, to adjust to a new life, to adjust to a new culture. But for some of them who have lived for years and years abroad, it is difficult for them to easily integrate into a new society. And when they find themselves doing manual jobs, they become frustrated that they life that they dreamed of is really not coming true.

TC: I know that you are planning to go back to South Sudan with a group to work on peace reconciliation issues next month.

TMC:  Because of the war that just ended, there are so many arms in the hands of kids.  There are so many guns everywhere in South Sudan.  There is also a lot of intertribal conflict: A lot of fighting, a lot of raiding, and all that stuff.  The government is doing the best they can, but it is becoming harder and harder everyday.  So what we did here is we were able to organize ourselves because it is time for us to help our government, because the US cannot bring everybody here.  So for the few of us that had an opportunity to come to the US, we should give back.  It is an opportunity to give back, given what has been done for me.

We have organized ourselves in our thinking that no one else will come and mediate the conflicts among our own tribes.  So we are gong back to and try to talk to them and say that you gain nothing by killing each other.  Economically you are the ones that are trying to gain.  As a result of insecurity, the local people have not been farming.  As a result of the insecurity, many people have not had the opportunity to do the same things that they have done to support their lives, and that has created a lot of famine and other concerns.  So we are going as a team, we call ourselves an ambassador group: influential individuals from different communities around the US who were selected by their peers to go back to the state of Jum Lei and start the dialogue.  One friend is today meeting with the president of South Sudan and also meeting with the high bishop.  The rest of the team will be traveling two weeks from now.  Our main job is to go to work with the local chiefs, with the commissioners, with the state governor, and also with all of the villagers to ensure that we put the point across that you do not have to kill someone to make a point, but you have to be able to debate and resolve issues as respectable citizens.

TC: How long has it been since you were in Sudan?

TMC: This will be my first time going back in 23 years, since I left in 1987.  This will be my first time home. It will be emotional because I know a lot has changed and I do not have my family.  Most of my people were killed, my father included.  They do not have a grave where I can go to pay tribute while I’m in the area, because during that war no one was buried. So it will be a little emotional for me to know that while I’m in the district, I will not even know where my parents were killed.

TC: Thank you so much for your story and for what you’re doing. Best wishes from all of us as you go back to Sudan.

TMC: My pleasure.

Happy Holidays from the Bottom Billion Fund!

It’s the season to give, so remember Bottom Billion Fund when considering your holiday and year-end giving.

Remember, not only are your donations to the Bottom Billion Fund tax-deductible, but they make great holiday gifts and stocking stuffers, too!

Give the gift that keeps on giving again and again until extreme poverty is history. Your donations to the Bottom Billion Fund are invested in helping extremely poor mothers learn to work and generate an income so that they can feed themselves and their children, and their children have a better chance of feeding their children, and so forth.

We’re investing to end extreme poverty. So join us and give the gift that you’ll feel awesome about giving (and one that is more exciting than a super-sized package of lip balm or candy mints).

Give now at

Warm Greetings & Happy Holidays,

The team at Bottom Billion Fund

We’re raising $8K by Jan 1, 2012! Give today, Donate now!

We are thrilled to be partnering with GLOBAL ROOM FOR WOMEN on AMAZON in a new initiative that can help you make your gift-giving all the more special this holiday season.  Thanks to Linda Higdon of Global Room For Women for communicating news of our new partnership, below.


No More Mere Online Shopping at Amazon, the Global Room for Women Amazon Store Gives 90% of Profits Back to Help the Extreme Poor Most Excluded, Especially Women

A woman in Wichita sits at her kitchen counter, pours herself a cup of coffee, and orders a Christmas gift online for her son at the Global Room for Women Amazon Store.  With a simple click she’s bought his favorite CDs and helped people living on $1.25/day. An Atlanta consultant who stayed late at the office, puts her feet up on the desk and browses for books on Amazon. Her book club tipped her off to use Global Room for Women’s Amazon Store.  They know they can support the voices of their gutsy global sisters in Gaza, Kenya, and Cairo every time they make a purchase.

The Bottom Billion Fund, Buying 2 Give, and the Global Room for Women have formed an alliance to give back an unprecedented  90% of profits back to the poorest of the poor in the new Global Room for Women Amazon Store

The profits flow directly to micro-lending for the bottom billion people on our planet and to amplify women’s voices and solutions who are working on the frontlines of change in developing countries.

“Something magical happens to us when we know our shopping can help lift up someone else. We are thrilled to have been invited to be part of an alliance of social entrepreneurs who are risking so much of their own time, energy, and resources to amplify their voices and lives,” says Linda Higdon, who founded the Global Room for Women after years of working on global women’s issues.  “Our global women are serious about connecting with their sisters in developing countries. Now they have a direct way to support the Global Room programs that makes these connections possible,” she adds.  “Women are looking to close the gap between them and now they can close it even more. Each purchase at our new Amazon store means 40% of profits go to our partner, Bottom Billion Fund to fight extreme poverty through microfinance solutions and another 50% to our continued efforts to spotlight the personal voices of women either trapped in or serving the extreme poor.”

A New Collaborative Model for Social Enterprises

The alliance of Buying2 Give, The Bottom Billion Fund, and The Global Room for Women is a new model for collaborative social enterprises. “Extreme poverty is the biggest humanitarian crises on the planet,” says Tom Coleman, founder of the Bottom Billion Fund. “We need all hands on deck in bold collaboration to create new streams of funding and structures that work.” Coleman’s vision is based on decades of work as a financial economist , microfinance consultant, and now founder of the Bottom Billion Fund to help microfinance do the most it can to help end extreme poverty, NOW, in this generation. Extreme poverty is already declining at an accelerating rate. It is unconscionable that 1000 people, mainly women and children still die from extreme poverty every hour.

Thank you to everyone who phoned in to the The Food for All Summit last Wednesday, which was co-organized by the Bottom Billion Fund.

It was a pleasure and honor to host pioneering individuals and organizations from around the world as they work on solutions to end hunger and extreme poverty.

The summit featured policy makers, journalists, advocates, analysts, survivors and critical relief workers in the Horn of Africa famine, each of whom provided their first-hand perspective on the short-term and long-term solutions bringing about meaningful change in the fight to end poverty.  The takeaway from the summit was that ending extreme poverty is not only possible, but it’s happening: Extraordinary progress is being made, and all of us can help.

Getting involved to help end extreme poverty can be transformative work.  Roger Thurow, Senior Fellow for Global Agriculture & Food Policy at the Chicago Council on Global Affairs, shared a story from when he was working as a foreign correspondent for the Wall Street Journal, covering the 2003 famine in Ethiopia:

“For me as a journalist, covering that famine was really a transformational period.  One of the workers from the World Food Program who I came into contact with on my first day in Addis, Ethiopia, was outlining what we would be seeing as we went to visit some of the hunger zones.  He told me something that has really stuck with me… and has been haunting in a sense.

What he said was, ‘Roger, looking into the eyes of someone dying from hunger becomes a disease of the soul. What you see is that nobody, particularly in the the 21st century, should be dying of hunger.’

And it was true.  That then and there infected my soul as a being, as a person and as a journalist.”

I agree with Roger that no one, especially in the 21st century, should be dying of hunger. That’s why my team and I developed the Bottom Billion Fund, to bring a long-term solution to the industry that is focused on ending extreme poverty; we’re advocating for and fueling microfinance specifically tailored for bottom billion people.

Microfinance is already reaching 150 million families in the world, many amongst the bottom billion.  The beauty of microfinance is that it can help people, even the poorest, become self-sufficient without the need for constant charity.

The Bottom Billion Fund helps microfinance keep focused on the poorest people with the greatest needs (who are also the most expensive to serve).  We lend money, rather than spending it, and reinvest repaid capital (and paid interest) over and over again in proven Bottom Billion microfinance programs with documented social results.  Our investments are not only long-term in their depth (that is, the ability to change a single life), but in their breadth, too (our model is replicable and scalable, capable of impacting change in communities around the globe).

Stayed tuned as we work to post to our website the audio recordings and transcripts from our Food for All Summit discussions with Roger Thurow, Ambassador Tony Hall (former US Rep. from Ohio and 3x Nobel Peace Prize Nominee), Adrian Lovett (ONE), Fran Equiza (Oxfam), Larry Reed (Microcredit Summit Campaign), Ken Patterson (RESULTS), and others.

In the meantime, this holiday season, consider giving a little to those who who have little and maximizing your impact.  Bottom Billion Fund invests money over and over again in microfinance solutions for the world’s poorest people, investing to make extreme poverty history.

Invest small change today to bring about big change tomorrow.

Thank you for your support in helping to launch the Bottom Billion Fund and make our initiative a reality in 2012.

With Best Wishes,






Tomorrow Wednesday, November 30, Bottom Billion Fund and other international organizations will be speaking via teleconference to discuss innovative and long-term solutions for the global hunger crisis… and you are invited to join, for free! To register, listen in & learn, register now at

Featured speakers include:

  • Ambassador Tony Hall, former US Rep. from Ohio
  • Adrian Lovett, ONE Campaign Europe Director
  • Roger Thurow, Senior Fellow for Global Agriculture & Food Policy at the Chicago Council on Global Affairs and former foreign correspondent at The Wall Street Journal
  • Larry Reed, Director of the Microcredit Summit Campaign
  • Fran Equiza, Regional Director for Horn, East and Central Africa for Oxfam
  • David Beckmann, World Food Prize laureate and President of Bread for the World
  • Ken Patterson, RESULTS Global Grassroots Manager
  • Thon Moses Chol, Educational Resource Specialist / Member of the Lost Boys & Girls of Sudan
  • Ron Schultz, Founder and Executive Director of the International Social Action Film Festival
  • Tom Coleman, Founder, Bottom Billion Fund

Take the initiative to engage with the ideas shaping a new generation of hunger solutions.

Looking forward to an insightful and inspiring summit!

Megan and the rest of the team at the Bottom Billion Fund

This is Thanksgiving week, a week in which we are reminded, anew, to give thanks for our blessings.

As we give thanks on Thursday with our families and friends around dinner tables, we must remember that as we eat, 1.4 billion people in our global family go hungry.

How would you celebrate Thanksgiving if someone in your family had nothing to eat?

The Bottom Billion go hungry because no matter how hard they work, they live on less than $1.25/day in extreme poverty.

For those who think extreme poverty and hunger are an inevitable part of the world we live in, it is important to recognize that extreme poverty is down over 20% from 1.8 billion people in 1990.  The world is decreasing poverty, but for the 24,000 dying everyday from starvation and extreme poverty, the current rate of decrease is not happening fast enough.

There are good programs to feed a child for a day. A short term solution.

But what if you could help the parents of these children make more income so that they could feed their own children every day? We’d have a long term solution!

Your donations to the Bottom Billion Fund help to build our permanent loan capital (whihc is lent, not spent) so that we may invest in microfinance solutions for the Bottom Billion, get repaid, and then invest the repayments over and over again in the poorest communities so that parents may increase their incomes and feed their own children. It’s a long term solution that keeps on giving!

Imagine what 10% of what you spend this on Thanksgiving this year could do for those who have nothing. Would that make your Thanksgiving more joyful?

The gift that keeps on giving… that is what your gift to the Bottom Billion Fund will do for the world’s poorest mothers, fathers and children.

Learn more and donate at

Thank you, and have a Happy Thanksgiving,