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welcome to the bind webinar series health insurance up close and personal where we bring together industry experts thought leaders and innovators who bring an entirely new kind of thinking to health insurance before we get started a few housekeeping items to help you get the most out of your webinar experience all windows on this console are interactive and adjustable feel free to move and size them to make the webinar more personal for you if you experience issues with the audio or video please try closing any other applications or browser tabs and refresh this page if that doesnt work refer to the tools icon at the bottom for further technical assistance throughout the presentation well be answering questions in the chat feel free to type your questions into the chat box and well get to as many as possible and now please welcome your moderator dave dickey vp of sales at bind benefits for the impact of better health benefit design [Music] welcome to the impact of better health bene