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all right welcome everyone good morning well throw the chat up there you could drop some comments in the chat as you tune in and well wait just a few minutes to get started like always hope everybody had a great week happy Friday everyone all right Amanda good morning if youre just tuning in go ahead and drop a comment there in the chat all right good morning everyone got a great topic here for today then well get into in just a second just need a way to go live on all the different platforms yes Taryn we are mind readers we were thinking about your deal here when we were thinking of the DPA all right good morning everyone dropping comments in the chat well get started in just a second here good morning good morning all right looks like we are good to go we can go ahead and get started here were going to take the chat off the screen and we will get into it so welcome everyone my name is Kyle Hershey Im the CEO of the mortgage calculator joined here by Nick Hershey our president