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it is great fun being able to docHub out and share information that makes your financial life better and im going to in just a second i am going to introduce christine benz and boy is she going to do a lot to to to to do that here this evening but very quickly i just want to tell people next week on the 15th we have another presentation i will be doing the presentation and its basically for first time investors although i think anybody will learn from it i want to make sure that young investors and other first-time investors take all the right steps to get the most out of their investments and so ill be talking about my new book were talking millions 12 simple ways to supercharge your retirement and everybody will be able to get a free copy of the pdf of the book who come and and and join us and then the week after that uh and a really another like christine is knows so much larry swederow knows so much too and these two people have such a rich background in the investment process