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so uh here is the uh here is my bio that Stacy generously read for you um suffice to say Ive been in the IT industry now for uh 25 years and I havent always worked with financial financial institutions Ive worked with manufacturers uh state and local government Higher Education Health Care all of these industries and so um I do specialize in financial institutions but um I am comfortable saying that all of these different risks and uh and their mitigations apply to everyone and so I I think that thats uh an important level setting so first lets just talk about cyber security risk and and just get a little definition uh about that you know of course its any risk thats associated with A disruption of the operations damage to reputation Financial loss and anything that that keeps the organization from its Mission and the losses of course can be monetary but they can also be um uh uh that there can also be lost to reputation and um and Market shrinkage or at least you know the the y