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hey thanks for making it to Veterans infotep I am glad you made it have some really important news to share with you today regarding rating schedule changes how theyamp;#39;re going to impact you what you should do the new effective date and thereamp;#39;s three of them so Iamp;#39;m going to do a series of three videos and before I get started I wanted to throw out a special thank you to Kevin Shaw Iamp;#39;m going to start doing this um for uh folks that are are uh contributing to supporting the channel uh through the the supers feature uh uh Kevin uh uh did a super comment thanks thing and I donamp;#39;t even know what theyamp;#39;re called I appreciate you Kevin thank you so much all right so there are three three rating schedule changes that have had movement here recently with regard to their effective dates for those that can hear that Stan in the background heamp;#39;s my rooster and he likes to chime in so here we go three different uh videos the topic today or in this