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good morning and welcome to the tpn credit bureau youtube channel michelle every single time we do this it feels like i have a bigger smile on my face with products that were launching um so for todays purposes obviously weve got michelle dickens uh in the studio with me today she is the ceo of tpn my name is peter mennon the head of legal4tp and credit bureau just three things before we get going please remember if we look blurry on the screen today there is a cog at the bottom right hand side go and select 720p or higher secondly if youre not a subscriber to the tp and credit barrier youtube channel please go and do so right now remember you will receive updates and notifications of any new updates or trainings that were going to have on this channel and then thirdly remember your feedback forms well be posting a bitly link during the final 15 minute go and complete those for us not just important for our own feedback but obviously your your feedback as well as well as your un