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as I mentioned welcome you guys were going to be looking at Gars FHA loan contingency exhibit thats f407 and this is the 2023 version of the exhibit itself so as we dive in and take a look at the exhibit I do want to take just a moment to cover some Basics about forms and FHA one is gar or Georgia Association of realtor contract forms those are the leading industry contract forms in Georgia so if youre a newly licensed here in Georgia gar forms are the gold standard they are the ones that most Brokers including Solid Source that we recommend now these forms are going to be available to active Realtors you have access to pull in the forms with your nrds number now if you are not a realtor here in Georgia you dont have to be a Solid Source you dont have to be you can purchase a license to use the gar forms at forms.ga realtor.com so essentially whats going to happen because you can pull up your contract forms in fmls Georgia MLS any MLS that you are a member of you can even pull up