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our program today is going to be a very basic overview of the federal bankruptcy process and for some of you we suspect its going to be a refresher maybe even elementary but for others of you it may be a very basic introduction to a whole new world we have really three main objectives for a program the first is to introduce you all to the federal bankruptcy code in general and to some of the principles they had govern the bankruptcy process next we want to help everybody to better understand how a bankruptcy proceeding may further or to track from a particular objective that a party has and finding finally last but not least were trying to help everyone to identify when its appropriate to take action to protect rights and interests in response to a bankruptcy proceeding just a brief comment on nomenclature bankruptcy does have its own glossary and Brian and I are going to be referring to the key players in the process in a particular way when we refer to a debtor were talking abou