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Well, good morning everyone. Happy Saturday. Thank you for joining us this morning as we conclude our changing the narrative event. Um my name is Nikki Beasley, the executive director of Richmond Neighborhood Housing Services. Im so excited that you are able to um continue to learn how you can change the narrative to your home ownership journey. Um this is our signature event of our activity of our event which is our Lender Circle. Weve identified of our strong partners who are going to spend some time with you this morning talking to you about their programs. and the services that they provide as it relates to the community lending programs and products talking about the down payment assistance programs that they offer as well as ways in which you can get in contact with them. Um so again, appreciate you spending your morning with us. Um we will, this will be the format of the day. We will have the opportunity to ask questions of the lenders after t