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good morning my name is Marcus solar Im one of the annuity directors here at Insurance Agency marketing Services wanted to thank you for joining us this morning we have a privilege of having Jake Quigley rolling on with NASA read this morning they bring to the table a tremendous lineup of products and solutions to help you help your clients achieve their financial goals when it comes to the retirement income planning both on the accumulation and income side of the house especially with the income bonus up to 45 percent which Jake will break into a little bit in more deeper details as we get into the webinar but also on the accumulation side and they have some tremendous value on their multi-year guarantee line as well with some tremendously good rates there and some comp specials that are running out here as we docHub the end of the year so before we get into all the details there this is going to be a recorded webinar this morning so if you do get pulled away I do appreciate you taki