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all right good afternoon everyone um this is our kind of specialty session on insurance for strata corporations with sections airspace parcels and those strata corporations who run commercial enterprises many thanks to allison baker from clark wilson who is going to give a legal perspective um steve story from bfl canada insurance services whos going to talk about this from an insurance brokers perspective and then of course myself im going to act as the moderator and ill be betting through all of your questions so when we get to the end well try and get to many of them if not all of them um directly right away um thanks to bfl canada for sponsoring this weeks seminar um it really makes a great difference to us uh and if you have any questions um ive got the emails for everyone posted at the end of the um session youll be able to email um steve directly at bfl just a reminder that this is a webinar its for educational purposes it does not at any point whatsoever during the mee