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good morning good afternoon good evening uh Welcome to our latest of our conversations with uh friends of archetype um today Im delighted to be joined by Tim semakonis is a vice president at Lockton the worlds largest Independent Insurance Brokerage uh also related to be joined with my colleague Steve Herman Steve is an executive at residence here at the archetype Steves also uh benefits insurance industry veteran uh he spent the bulk of his career at web benefits design and was part of the leadership team that sold that business to CNO Financial in 2019 and Im your moderator of this discussion today Ian Fitzpatrick Chief strategy officer here at archetype welcome Tim welcome Steve thank you so weve said todays conversation up around the the intersection between the benefits Insurance space and the private Equity uh space were coming to the end of of 2022 which is sort of you know you know a difficult year financially in a lot of ways certainly in in the public markets weve se