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[Music] all right good morning everyone today is Thursday June 25th thank you so much for joining us again Im Joanne Coombs Im here with my partners Jacqui Durham and marina Parkin as always we are trying to bring our local business community all the top topics that youre interested in hearing about and of course what the gift that keeps on giving is PPP loan forgiveness so the ladies joined you on Tuesday to talk a little bit about the new forgiveness application rules and today were gonna take a little bit deeper dive into the safe harbors the exemptions and the application forms themselves youll be relieved to know that Jackies had her magnifying glass out for quite some time now and although we are coming to you today Im certain this will continue to change this application form seems to have taken on a life of its own so its living and breathing and changing every day some of the news is actually getting better as we go which is kind of surprising so without further ado I