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all right welcome everyone well go ahead and put up the chat so you can drop a comment there in the chat as you pop in happy Friday hope everyones having a great day ready for a great weekend and well get started here in just a few minutes [Music] good morning good morning everybody there in the chat got a great topic today definitely something that people uh are confused about sometimes or people need some clarity on so were going to talk about that today here but like we always do well wait a few minutes here just to go live on all the different platforms and give everybody a chance to jump on here again good morning to everybody in the chat happy Friday all right looks like we got a bunch of people jumping on all right so we can go ahead and get it started here today well take the chat off the screen and we will go ahead and get into it so welcome everyone my name is Kyle Hershey Im the CEO of the mortgage calculator joined here by our President Nick Hershey and our sales man