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welcome back to business performance week i really appreciate everyones patience you know when youre running a live event theres always some wild cards so we had a little technical snafu uh but im glad to to share that we do have eric stearns online and ready to share some insight sterns financial has been a great partner of nafa um for the members that are on the call i encourage you uh through the member portal off nafa.com um once you get your login we have got a great list of our partners microsites and a lot of our affinity group sterns financial being won and hopefully after you hear eric today i encourage you to go there its a great place where cerns financial shares a lot of information thought leadership contact information and really been a great partner so were excited to have eric share some great information around working with non-profits 501c3s credit unions etc so im going to stop im going to turn it over to him again the sessions being recorded uh please fee