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a broadcast is now starting all attendees are in listen-only mode good morning everybody welcome to our what days today Tuesday webinar common benefit problems number two at exciting day today because it is it is Tuesday its 10 oclock and we get to talk about benefits lots of people on the call today so wed like to welcome everybody thats participating excuse me and welcome to the benefits trust we are a full-service third-party benefit administration company we were established on January 1st 1994 so Ive been around close to 25 years we provide budgeted a associate and we sell direct through brokers like yourself so close to 50 brokers on the call today so we would like to take this opportunity to say thank you very much for attending the benefits trust we as I mentioned Ive been working for close to 25 years with brokers like you on selling budget at ASO solutions were here to talk about common benefit problems and this webinar came out of a series of questions that we asked