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[Music] foreign [Music] good afternoon today is September 20th my name is Cody bills director of Market advisory and brokerage here in the U.S for Farmers business Network today we have a special segment on margin protection were going to be evaluating what it is and whether or not it should be something you consider for this years risk management plan joining us today to help us do the evaluation is Bruce Lansky out of New Hampton Iowa Bruce is a crop insurance agent with 25 years of experience here at fbn we also have Josh McClure Josh is a senior market advisor and broker with fbn crop marketing he has worked with a wide variety of producers across the U.S using a number of different Insurance products one of them being margin protection thank you so much for joining us here today Bruce and Josh hey Bruce lets just go to you first I think the first question is what is margin protection what makes it so different uh marginal protection its its a fairly new product came out in t