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all right good morning everybody this is brian leising with financial brokerage i have uh the top the hour on my watch so well go ahead and begin todays webinar uh todays webinar is the life insurance allocation tool this is a unique tool that we have here at financial brokerage available for you to help your clients figure out their optimal blend of term and permanent life insurance todays or for todays webinar all of your lines have been muted we do that to cut down the background noise you can still ask questions though uh you can type those in the control panel that you see on your screen and ill get to as many of those as possible at the end of todays webinar so i want to thank everybody for joining us here today this is part three in a six-part webinar series uh titled life insurance basic training and the purpose of the six sessions is to help you become more comfortable bring up life insurance and conversation uh with clients that you have for other product lines these w