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uh good afternoon everyone welcome to the lubin rss uh this afternoon uh we are very happy to have professor uh black here uh professor black uh is among the leading empirical legal scholars in u.s with over 150 published articles and over 31 000 citations on google scholar he is the niklas chavarrija professor at northwestern university with positions in the preschool school of law the kerlog school of management the department of finance and the institute for policy research uh he will today discuss his current work the hecs short sale experience carrier channels and the specification choice uh professor black uh the floor is yours all right thank you so um i asked to run this let me call it econ style so feel free to ask questions at any time um i may not monitor the hands but feel free to speak up if i dont uh if i dont see the hands im trying to figure out can i see all of them or not um i think i probably cant even see all of them um lets see what i could do about that uh y