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hello everyone and welcome to todays lecture quell our introduction to cross-border restructuring and the current financial global in the global financial crisis before we get started I would like to go a few items so you know to participate in todays event you should see your GoToWebinar control panel in the upper right corner of your computer screen you have joined a presentation listening using your computers speaker system by default if you prefer to join over the telephone just select telephone in the Audio pane and the dial-in information will be displayed if you have selected mic and speakers and having any difficult to hear me please toggle the telephone option and your control panel and dial in if youre experiencing any other issues please type the details in the question section of the control panel and we will adjust them ingly youll have the opportunity to submit text questions todays presenters by typing your questions into the questions pane at the control panel ple