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[Music] what im going to do since were just taking questions and answers days i am going to turn the slides off here so give me just a moment and well make diane and i the focal point of the program here today shell be bringing the questions and ill do my best to provide the answers and then shell provide the answers to the really hard ones right diane diane im going to hand the mic over to you floor is yours the question and answer round is open okay we will start off with regulation e should provisional credit be provided to business accounts even though we know its not required are you seeing institutions provide it i think that last part of the question really is going to be my answer regulation e does not apply to non-consumer accounts so i would not afford them the same privileges the same protections the same rights is that that reggie requires you to provide to those consumer accounts i mean diane you and i were just talking about this this morning i think your words w
