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hello everyone and welcome to todays webinar where we will be discussing patient payment trends 2022 learn all the secrets my name is brooke i am a junior marketing coordinator here at mend and today i have the privilege of joining matt mcbride ceo at mend matt how are you doing today brooke im doing great and pumped to be here and talk about the patient payment landscape today fabulous so the agenda today is rather simple but it is packed with opportunities to get paid faster with full automation matt is going to take us through industry insights and cover how to automate patient payments and then finally well round out our webinar as always with a q a session and starting now just to remind you all that you can use that q a box at the bottom of your zoom toolbar and we will get to as many questions as we can at the end lets go ahead and get started lets go ahead and kick off our agenda with industry payment insights matt what are consumers reporting around their expectations for