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well good morning everybody welcome to the FDIC we havent seen you all for a while so its its nice to be together I actually checked the calendar its uh the last time this committee met virtually was in October of 2020. and the last time this committee met in person hard to believe was December of 2018. so its been four years since weve actually seen you all and uh we are going to do our best not to let another four years pass without seeing you again and were going to try to resume uh annual meetings of this committee which really has enormous value to us in in an area that is of vital importance to the FDIC at the end of the day our ability to manage the orderly failure of a systemic financial institution is probably will probably be the ultimate credibility test for our agency and how our agency is viewed will be determined by how we handle that challenge and our preparations uh to carry out that responsibility are absolutely Central to what we do so and and our ability to m