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hello everyone this is Ernie Humphrey Iamp;#39;m the CEO of Trey webinars thrilled to have everyone with us today on a topic that is near and dear to my heart understanding your bank fees the 2020 AFP service codes and the 2023 AFP global Service codes in a treasury galaxy far far away uh I used to be responsible for help managing the AFP service code and so way back in the day I had the pleasure of working with Bridget Meyer who is absolutely the worldamp;#39;s expert on all things related to the AFP service code so before I jump in uh to the exciting housekeeping items real quick I just want to go ahead and welcome Bridget Meyer to the webinar sheamp;#39;s a head of strategic relationships she at Red Bridge debt and treasury advisory uh Bridget welcome and itamp;#39;s a thrill to have you here today with us thank you Ernie Iamp;#39;m so excited to be here you know itamp;#39;s my favorite subject all right cool well before we get going Iamp;#39;m going to have to launch polling