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the broadcast is now starting all attendees are in listen-only mode good morning this is Mark Miller from navient were ready to begin our webinar today focused on life insurance best practices and some key process automation strategies for life insurance hey hey again this is Mark Miller from navient and along with me is jennifer Mangino from Highland shell be co-presenting with us today well go ahead and get started Ive got all the participants muted at this point if youve got any questions during the presentation or what youre seeing on the screen doesnt really match what youre hearing from us please raise your hand and let us know well try and track that as well weve got 30 minutes guilt for the webinar today and weve got a lot of content to cover in a pretty short period of time so Im going to hop in and get started right away so without further ado lets go ahead and get started and there we go so just a high-level overview of the agenda as I mentioned before we did s