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well first and foremost Happy New Year to all of you I hope you all had a wonderful holiday with your loved ones I know I havent posted a video in a few weeks so I apologize for that but I did take some time to be with my family over the holidays but I am so happy to be back at it now and ready to get back to bringing you all the best and most up-to-date information about reverse mortgages in 2023 and today were going to discuss some major changes that have happened recently in the reverse mortgage space that will affect all of us and what these changes mean for consumers such as yourselves were also going to delve into what we can expect to come in the new year so a lot of great information coming your way so sit back relax and lets get to it foreign [Music] folks happy New Year once again for those that dont know me my name is Taryn Proctor I am the President of retirement home equity advisors we are a mortgage brokerage specializing exclusively in reverse mortgage financing and