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thank you good morning i have i could go on all day about title because im like a title geek but ive decided to put this down to four topics in terms of closing errors you can avoid and in no particular order those are order early order often when it comes to your title commitment order gaap insurance order a closing protection letter and read the title commitment when you get it so in terms of order early order often the first thing i want to do is introduce to you your local title representative my very good friends charlene larson and julie they are both here with saint croix valley title they are somebody who should know wave you guys because they are your local face im sort of the im the go-to when everything goes to hell in a handbasket and the deals not closing thats when i get the emergency phone call so my order early order often i think that is so important especially in the market that were all living in right now where you dont know whether or not your next deal is