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good morning everyone my name is chandra weigel im with aarp here in the houston area and i want to welcome you today to a event that were doing in partnership with south texas college of law and weve been doing uh this particular presentation for the last i think three or four years um and its been one of our more successful and well attended uh presentations so i guarantee you youre going to learn a lot and i want to thank crystal washington whos a clinical teaching fellow at the south texas college of law for uh partnering with us every year she docHubed out to us several years ago and we have been doing this particular presentation like i said for the last couple years so welcome um i have put in the chat uh my information that is my direct line number as well as my email if you have any questions about the presentations or recordings any of that you can get that from me um the one thing i do encourage you to do is to let crystal get through the presentation and then kind of