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to todays presentation MGIC celebrates its 60th anniversary this year we have been the first name in private mortgage insurance since 1957 with so many years of experience and expertise behind us we are pleased to share ideas information and tools you can use to be more successful in todays dynamic of mortgage marketplace it is my privilege to pass the controls for todays presentation - MJ sees customer trainer Rebecca chase great Gregg thank you ever so much and good afternoon everybody thanks for joining us Greg as he mentioned is going to be monitoring anything and everything that we all might need help with so if you have any technical needs go ahead and docHub out to him as well as if for some reason you cant remember where the link to get to the session materials were greg has already gone ahead and put that into the chat panel for us so again were going to talk about what this whole process is about one of the things thats easy to have happen when you start working in the