Note 8 – Business Development Agreement 

On September 17, 2021, we signed a multi-year agreement with a business development partner to provide referral and support services to us. The agreement required an advance fee of $1.5 million. The advance was being amortized as marketing expenses over five years.  During the year ended December 31, 2024, we recorded amortization and impairment of the asset of $800,000 bringing the balance to $0.