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hello everyone and welcome to the follow-up edition of our new invasive lender questionnaire webinar my name is branda ward and iamp;#39;m the client relations director for adam sterling law firm here with us today our partners lori poole and nathan mcguire to answer the questions submitted by the attendees during the webinar we have a lot to get to so weamp;#39;re going to jump right in first up are puds included in this questionnaire process so thatamp;#39;s a good question i mean we donamp;#39;t think so the materials that are have been issued by fannie mae and freddie mac refer to condos and cooperative projects which would not include planned development we are aware at least here in california we do have a number of plan development clients that are attached maybe duplex situations triplex fourplex things like that but generally in those circumstances the association isnamp;#39;t necessarily responsible for the maintenance of the structural items for those residences