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hi guys were delighted to be here with you today um youre all investors into income share agreements um were of course an originator of income share agreement so I thought itd be a great chance to talk about what income share agreements actually are um I dont know Nimrod would you like to kick us off with just a quick description of what is an income share agreement sure its a little bit myself in my Bernie CEO of Jubilee Jubilee is a Marketplace uh that allows investors to take positions in pooled cash flows that originally from income so agreements um and to start this up an income sharing agreement uh means a financing agreement between an entity an individual or an individual as opposed to debt where you take on a specific amount and have a set return an income share agreement you sell a future proportion of your income of your salary uh to the investor and thats how you get funded fantastic um and I think its a really interesting product but its one that many people migh