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good morning everybody welcome to our webinar on uh calculating dependency claims uh im paul stagg and with me today is lisa dodie uh what were going to do uh is to uh cover um aim to give a guide really as to how you calculate the penalty claims under the fatal assets act um im going to deal with income dependency claims and lisa will and also multipliers and then lisa is going to go on to cover services dependency um as usual with zoom we have a chat section we also have a question and answer section which if you click on the three dots on the right hand side or whatever it is if youre using a mac um please if you want to ask us a question we are intending to try and answer some of those during the course of the seminar and some of some of course is trying to call me as they would do and typically so ill just switch my phone off if you can just pardon me we are going to um we will try and answer any questions that you have during the the webinar but if you if you leave your emai