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good evening everyone my name is Ryan Vince Im executive director at Kansas housing resources Corporation or Kansas housing were thrilled that youre taking part of your evening during what we know is a very busy time of the year or this holiday season to learn about the Kansas homeowner assistance fund or CAF program its still a relatively new program at Kansas housing in response to the pandemic and all of the effects on housing stability in our state um and theres much to learn about it so were going to try to keep this brief that really try to get to the important information that we have to cover tonight a huge thank you for you for you taking the time to just learn about this program we know that during the holiday season in particular that it reminds us just about the importance of home and if youre at risk of losing your home whether its through tax delinquency whether its through not being able to make your mortgage payment it can be a scary thing and thats why were