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good morning my name is Chris Galler with the Minnesota Association of Realtors thank you for joining us for our risk reduction series were privileged today to have Brad Boyd our legal counsel here with us today to talk about marketing service agreements youll also hear him called msas and theyre part of Resa and theres been a lot of conversation and discussion about how real tours and their Brokers could be impacted by these decision Brad wrote a really nice piece for uh General consumption picked up by a number of different wire sources including inmin news which is probably the biggest in our industry and hes joining us today to kind of talk about it and give you some information short piece that youll be able to use in your business and again if youre agents and Brokers you really want to listen if youre involved in these msas so the first Brad why dont you discuss what an MSA is and what context they work in so that people understand what the concern is sure thanks for ha