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hello ladies and gentlemen my name is Lowell Walters and this is the last in my series of videos on benefit cost reductions Im an attorney at Carleton fields and the focus of my practice is employee benefits and in recent videos we discussed the different ways to save costs and reduce expenses using employee benefit plans today I want to focus on implementation now once you know how you intend to reduce cost its important to stop and consider the steps that will be required to implement those decisions I recommend your first step be a discussion with advisors and service providers the earlier you contact them to get feedback the better all right you want to know from them what they think might go wrong whether its on their end or overall what are their concerns what do they think the proper steps for implementation arent how early can they implement the changes and what do they need from you to implement those changes also you should conduct an internal assessment alright it should