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good afternoon folks welcome to the Maryland State Bar Association consumer bankruptcy section Brown Bag program on the spra small business reorganization Act chapter 11 itamp;#39;s my pleasure to serve as your co-host with Michael Wolfe who is also happens to be a sub chapter 5 trustee as well as chapter 7 panel trustee I just wanted to briefly introduce our wonderful group of panelists that we have together with us in presenting on a very timely program we have with us but Steven Taemin who is one of the original founding members of the section heamp;#39;s been around for many years he was in fact a chapter 7 trustee at one point he is one of the most giving and scholarly people that Iamp;#39;ve encountered and itamp;#39;s just a honor to have him as part of this section and heamp;#39;s really been carrying the torch in a in a big way particularly with the advent of coronavirus and putting forth so many great substantive programs which take a great deal of his time and effort an