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Speaker 1: This episode is brought to you by P and C Bank.

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Speaker 1: A lot of people think podcasts about work are boring,

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Speaker 1: National Association Member FDIC erness What's Up? You ever walk

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Speaker 2: My personal last question is about Ghana. We've been spending

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Speaker 2: a lot of time and Ghana. He was there in December,

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Speaker 2: We were back there a few weeks ago, so, you know,

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Speaker 2: just learning the in and outs of the culture. I've

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Speaker 2: learned enough to understand that I think you probably were

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Speaker 2: born on Friday, right, Yeah.

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Speaker 3: That took that took you. That's no fair you went.

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Speaker 3: How many times did you go there to find that out?

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Speaker 1: Only took once.

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Speaker 3: There you go?

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Speaker 4: But exactly right.

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Speaker 2: One of the things that you know we saw, obviously

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Speaker 2: is the development right, so many different apartment buildings being developed,

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Speaker 2: and there's such a strong interest from the diaspora, especially America,

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Speaker 2: people coming there, people you know, coming during December, but

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Speaker 2: people also relocating. We met a bunch of business owners

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Speaker 2: that moved from America that started restaurants, that started different

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Speaker 2: types of businesses. And now there's the residence of of Ghana.

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Speaker 2: What's your thought process on Ghana currently in twenty twenty four, Like,

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Speaker 2: what are you optimistic about?

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Speaker 3: What?

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Speaker 4: You have?

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Speaker 2: Some concerns about you as somebody that's you know, you've

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Speaker 2: seen it from where it was to where it's at now,

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Speaker 2: which I'm just curious to know what your thought process is.

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Speaker 4: Yeah, well, always start with a positive right, I think.

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Speaker 3: The the there's.

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Speaker 4: Tremendous interest and positive interest in in in Africa as

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Speaker 4: a whole, but specifically in Ghana, and that interest is

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Speaker 4: driving some curiosity, enough curiosity for folks to get on

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Speaker 4: a plane and visit it. And often when they visit,

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Speaker 4: they are enthralled by the people in the culture to

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Speaker 4: the point where there is consideration for investment and and

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Speaker 4: Ghana needs a lot of foreign directed investment, and so

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Speaker 4: folks of their own accourt bringing their capital and their

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Speaker 4: ideas to invest in the country is UH is tremendous.

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Speaker 4: Tremendous because that obviously boost the economy and most importantly

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Speaker 4: creates jobs. I am optimistic that the that.

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Speaker 3: The education educational structure.

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Speaker 4: Continues to really bring forward some really smart individuals, entrepreneurial

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Speaker 4: individuals that have been able to sustain the country for

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Speaker 4: a while.

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Speaker 3: And however, unfortunately they are so good at what they do.

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Speaker 4: Perhaps they are drawn away by the fact that they

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Speaker 4: are so good at what they do that they there

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Speaker 4: is significant brain drain going on. A significant amount of

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Speaker 4: the health professionals in Ghana are trained in Ghana and

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Speaker 4: then they leave, and that's concerning but somewhat understandable. I'm

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Speaker 4: pessimistic because the fundamental infrastructure of the company requires a

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Speaker 4: great deal of work, and that I mean the social infrastructure,

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Speaker 4: while strengthen through the through the traditional heritage and culture,

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Speaker 4: is weak when it comes through the sort of the

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Speaker 4: social service networks and people are exposed. As the global economy,

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Speaker 4: UH what's suffered over the last several years, these fragile

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Speaker 4: economies in the Third World really took a significant hit,

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Speaker 4: and that hit has a horrible, horrible residual effect on

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Speaker 4: the folks at the bottom of the scale, who are

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Speaker 4: who are having to work three times it's hard just

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Speaker 4: to get frankly, the same amount of income, and that

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Speaker 4: is unhealthy. I I and therefore I worry that the

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Speaker 4: have the gap between the haves and the have nots,

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Speaker 4: only increases, And my fear is that the governmental institutions

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Speaker 4: haven't built enough bridges, and in fact it's so focused

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Speaker 4: on sort of top line growth in terms of attracting

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Speaker 4: more investment for and directed investments, you know, tourism, etc.

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Speaker 4: Without necessarily finding ways to shore up the fundamental infrastructure

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Speaker 4: of the economy, either by building those infrastructural pieces that

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Speaker 4: would help transport or could create much more of an

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Speaker 4: industrial base in the country. We're still exporting you're taking

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Speaker 4: it out of the ground and exporting it via either

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Speaker 4: coco or gold right exporting it for the most part,

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Speaker 4: and subjecting it to the world market prices.

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Speaker 3: After fifty sixty years, we're still essentially.

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Speaker 4: Doing the same things we did many many years ago

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Speaker 4: or decades ago, and that's not sustainable. So I worry

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Speaker 4: that the gaps between the haves and the have nots

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Speaker 4: only increases, and we're still somewhat in a subsidized era,

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Speaker 4: and I'm terrified of the World Bank and IMF policies

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Speaker 4: and what they ultimately might do to the country.

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Speaker 1: My final question, Kobe is and thank you again for

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Speaker 1: joining us, is I heard you say we have to

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Speaker 1: focus on how cities work. And I thought that's very interesting, right,

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Speaker 1: because most people don't look at it from that perspective.

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Speaker 1: How does the city work? Where does it get revenue from?

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Speaker 1: And so when I think Detroit and I'm thinking sports,

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Speaker 1: I want to talk about the intentionality. Right, if we

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Speaker 1: look at from the landscape of their sports franchises, they've

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Speaker 1: all moved downtown right where you had you had the

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Speaker 1: Pontiac Dome. Now you have Ford Field, which is downtown.

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Speaker 1: You had the Tiger Stadium, and now you have America Field.

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Speaker 1: You have the Palace where the Pistons played. Now you

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Speaker 1: have Little Caesars where the Pistons and the Red Wings play.

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Speaker 1: And so I would imagine the revenue that's brought in

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Speaker 1: from having people come in, the tourists that come in, right,

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Speaker 1: and the taxes that come from that. How important is

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Speaker 1: it to have sent like a focused effort to have

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Speaker 1: something concentrated where rather than have different counties and different

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Speaker 1: towns collecting the taxes, having something central to where downtown

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Speaker 1: is obviously being a thriving part of a city, it.

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Speaker 5: Is critically important when as you're trying to build up

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Speaker 5: an economy, you want every dollar to go round and

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Speaker 5: around around in that in a concentrated manner and create

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Speaker 5: a virtuous cycle of investment.

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Speaker 4: And so these sports teams being down, the sports teams

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Speaker 4: downtown create a year long event for one of a

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Speaker 4: better term right event in that uh, the Red Wings

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Speaker 4: out playing, the Pistons are playing, its pst are playing,

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Speaker 4: the Tigers are playing, and then the Lions are playing,

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Speaker 4: and that brings people who wouldn't normally come downtown to

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Speaker 4: come downtown. When they come downtown, they park, they may

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Speaker 4: grab a bite, and that dollar they bring just sustain

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Speaker 4: help sustain the economy. It's critically important because those dollars,

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Speaker 4: that that density of investment, that density of expenditure, is

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Speaker 4: what you use to convince the next business to come

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Speaker 4: into the area, because then you can say, look how

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Speaker 4: many people come down on a regular basis, and then

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Speaker 4: that particular entity you're trying to attract will indeed say, well,

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Speaker 4: if those are the numbers that are coming downtown, and

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Speaker 4: I can get x percent of that by virtue of

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Speaker 4: the business dim in I will make that choice to

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Speaker 4: come downtown and fill yet another vacant spot, and that

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Speaker 4: person will then attract its own people, and so it

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Speaker 4: goes on and on and on.

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Speaker 6: But it's very it has to be very intentional, and

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Speaker 6: in addition to just that process, you also have to

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Speaker 6: create these larger, perhaps seminal events that sort of break

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Speaker 6: through the fog of what people might think a city

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Speaker 6: might be, like a Grand Prix that everybody will now

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Speaker 6: see Detroit and this splendor on their TV sets, like

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Speaker 6: the draft, the NFL Draft and eight hundred thousand people

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Speaker 6: coming downtown with fifty three million eyeballs looking at Detroit

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Speaker 6: perhaps for the first time, thinking wow, that's a beautiful

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Speaker 6: looking city and recognizing that it's nothing like they thought.

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Speaker 6: And I think the critical word you use there is

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Speaker 6: the intentionality behind it.

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Speaker 3: It's not formulaic, but it's intentional, and.

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Speaker 4: It is critical for us to ensure that people are

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Speaker 4: coming downtown or coming to Detroit and having a great

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Speaker 4: experience in Detroit, because when they take the word back

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Speaker 4: either to their employers or their families, perhaps it just

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Speaker 4: changes that perception. And when it changes that perception, they

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Speaker 4: might make a decision that they wouldn't normally wouldn't maybe

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Speaker 4: have made a month prior that they would add Detroit

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Speaker 4: to their list, perhaps to come see the Motown Museum

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Speaker 4: or the Detroit Institute of Arts, which is a fabulous museum.

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Speaker 4: They just added to their list. And that's just one

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Speaker 4: more person that you have the ability to win over,

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Speaker 4: one more person that comes in and spends some money

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Speaker 4: in a downtown area and therefore provide some opportunity for

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Speaker 4: a local retailer or business to.

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Speaker 3: Transact business.

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Speaker 4: And the more all of that happens, the easier it

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Speaker 4: is for us to go talk to a business and

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Speaker 4: we ask them to come locate downtown, because we can

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Speaker 4: then assure them that when they are downtown, their employees

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Speaker 4: will enjoy being downtown because downtown is active, is amenditized,

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Speaker 4: and has those kinds of family friendly activities that they

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Speaker 4: would look for in any thriving major city. And he frankly,

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Speaker 4: may dare I say world class city. And that's why

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Speaker 4: it's so important to be intentional about bringing these essential

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Speaker 4: components together.

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Speaker 7: An illegal alien from Guatemala charged with raping a child

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Speaker 7: in Massachusetts. An MS thirteen gang member from Al Salvador

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Speaker 7: accused of murdering a Texas man of Venezuelan charged with

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Speaker 7: filming and selling child pornography in Michigan. These are just

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Speaker 7: some of the heinous migrant criminals caught because of President

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Speaker 7: Donald J. Trump's leadership. I'm Christineoman, the United States Secretary

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Speaker 7: of Homeland Secure. Under President Trump, attempted illegal border crossings

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Speaker 7: are at the lowest levels ever recorded, and over one

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Speaker 7: hundred thousand illegal aliens have been arrested. If you are

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Speaker 7: here illegally, your next you will be fine nearly one

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Speaker 7: thousand dollars a day, imprisoned and deported. You will never return.

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Speaker 7: But if you register using our CBP home app and

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Speaker 7: leave now, you could be allowed to return legally. Do

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Speaker 7: what's right. Leave now. Under President Trump, America's laws, border

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Speaker 7: and families will be protected.

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Speaker 3: Sponsored by the United States Department of Homeland Security,