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hello everyone and welcome to CID Insurance programs webinar today its on a workers comp its successful strategies for quoting finding and managing workers comp my name is Renee Augustine Im CEO of CID Insurance programs and I want to welcome you today today your instructor is going to be Darby Fisher shes our workers comp underwriter and very good at what she does so shes going to bring you lots of good information I also want to introduce Jacob Cole our marketing coordinator who keeps things running smoothly behind the scenes for our webinars and all of our marketing uh lets get started and talk about logistics all of you are going to be muted but youll be able to hear obviously but not speak so pose your questions in the chat room because really its questions are really important to us and I think theyre valuable for everyone because we all learn something uh when you pose questions even even if you feel like its a stupid question just ask questions throughout the webinar