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hello everyone this is Calvin professor see here today we are going to talk about something about mortgage we havent been talk about mortgage for a few weeks now because in the last few weeks we have been talking about closet 19 and some of the government we leave program about cover 19 and I find that it is more urgent and timely to talk about that those topics for you and for your client and for everybody else because those are important but today we are going to go back to mortgage but before I talk about mortgage I am very happy to tell you that I am launching a life women coaching session the next week and a couple of weeks after in May so theres tools a webinar coming up in May and all the information is on the website .moocchile.com which is on the bottom of the screen right now okay so in there lets take a look at it you will see you know you know something about myself something about the cost my pork and this too is the session may 11th and trials is a two-day session and