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all right ladies and gentlemen now just to go over we are a little bit off time um so were going to adjust just a little bit for us but weve got some great information coming up next um what we have next is insurance trip cancel insurance and tenders and toys and let me make sure everyones here we have Jeff Shafer Nadia badassi Francis and Nancy pup puppy excellent if you can make your way to the front please ladies and gentlemen just a little housekeeping everyone should have their phones on silent tray tables up um everyone should be fed watered where everyone good all right Im going to lead the floor to our moderator Mr Jeff Schaefer good morning everyone so we have lots of questions Im sure about uh trip cancellation today Im gonna get started Im going to introduce Nadia badassi Francis first please what do you have to say to them well thank you for having me I am Nadia badassi Francis with mhg insurance most of you youre familiar with the name Clayton swart you were proba