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good afternoon and thank you all for joining us for our second Lunch and Learn webinar on the financial aid application process my name is angelique Palomar I am the communications associate here at the Institute for college access and success our presenters today are Lindsay Allman she is the senior policy analyst at chicas morally Keller she is the director of technical assistance at national college access network Emily Wolfson who is the succeed knowledge manager at you aspire and Tyler whoo he is the higher education policy analyst at the Education Trust West also joining this webinar is our psychosis California program associate director Lauras Ill go through it before handing it over to Lindsay Ill go over who chicas is and what kind of work we do so we work in California and nationally to both increase awareness and reduce the burden of student loan debt to improve access to available aid and strengthen need-based grant programs and to protect students borrowers and taxpayer