gives your business flexibility. get 1.5% discount for paying early, or up to 60 days to pay without interest, or both each month. i'm nelson gutierrez and i'm a member of the smarter money. this is what membership is. this is what membership does. since it started in 1991, hospitality and nightlife company, the gerber group, opened up some of the most popular night spots in cities across the country. you likely heard of or been to some of them. whiskey blue, stone row lounge and the living room. with 20 venues open, there are plans to keep expanding. scott gerber who started the business with his brother randy, is now the principal and ceo of the gerber group. he talks to us about the need to be around knowing your