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whats up guys welcome to the show thank you so much for joining me today as you can see today we had no countdown i want to make it a little easier for those of you who are checking out the live stream after its been published and get right into the content another quick tip for you before we get started here the youtube timeline at the bottom of this video once its published has chapter markers so if youre looking for specific content in an episode todays episode about microsoft excel you can scrub through that timeline to go right to the content that youre looking for just a quick tip for you when youre looking at our back catalog or future episodes when you miss them live you can see all of this content right in the timeline of the youtube video so thank you so much for joining us today for yet another episode of be the bank the very best place to learn about the distressed secondary mortgage market on youtube or frankly anywhere on the internet today i want to thank the 13 i