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okay ladies and gentlemen i think were going to go ahead and get started its the top of the hour today we are going to be discussing the chevron segment rates uh the title of the presentation is uh am i working for free well talk about that in a moment just brief introductions my name is brian stormontz im one of the managing partners uh with uh insight wealth strategies out of the san ramon california office presenting with me today is going to be chad seegers also managing partner uh only out of our houston texas office um the purpose of todays discussion is to highlight the chevron retirement plan or the pension plan um and the implications of segment rates on the value of the lump sum so when we were trying to come up with the title for todays presentation um the whole am i working for free question was a little bit tongue-in-cheek but quite frankly its the number one question were getting from a lot of people this year um and so we want to kind of dive a little bit more d