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Let’s make 2023 the year we finally learn how to bring the worlds of ISO, Agent and ISV together to compete in a beneficial way to all concerned!  This week, we interview Thomas Moore, VP of Business Development at payarc, about the challenges of bringing the ISV world together with the ISO world.  James follows up with advice around the ISV partnership mindset for individual agents.  And Patti closes the episode with a report on economic trends that should bring record-breaking residuals for the month of December.