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all right and we are live give everybody a few minutes to get connected and well start here shortly see looks like were connected now we got some people in the chat thanks everybody for tuning in so today is January 24th we will get into our topic here of a HELOC combo here in a second while were getting connected we could throw in the chat while people check in theres Matthew there we go whats up Orlando and looks like we kicked into a few other platforms now there we go chats are coming through welcome everybody welcome welcome all right it looks like we are up on all the platforms now let me go ahead and do my intro thanks everybody for tuning in let me drop the chat and let me drop my screenshot here all right welcome everyone my name is Nick Hershey Im the president and founder of the mortgage calculator we are A lender that specializes in alternative financing options which is one of the things were going to go over today so today Im joined with our CEO Kyle Hershey and