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welcome everyone to daily mortgage rates live with the mortgage calculator were just going to wait a couple minutes to get started like we always do every day to get live on all the different platforms and give everybody a chance to tune in we put the comments up there on the screen so feel free to drop a comment as you tune in and well wait to get going here for just a couple minutes of everybodys been having a good week so far good morning to everyone earlier morning for some than others good morning to everybody tuning in Adam Matthew Victoria Jason everybody commenting Mark good morning everyone today we got a great topic to go through and we will get into that in just a couple minutes here hello everybody in the chat Taran Nick whats up Shonda Julio Jennifer Carmen shout out to everybody tuning in there all right it looks like we are good to go so what well do is we will take the chat off the screen here and then we will get into it all right welcome everyone my name is Kyle