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hello ladies and gentlemen happy Wednesday December 12 2018 to you all and welcome to todays webinar the hidden benefits of stock insurance for those of you who are not familiar with me my name is Mike chukka Im the director of education here at radioactive trading and at power options power up comm well what a year well almost it has been we still have of course about 19 more days until the end of 2018 in the beginning of 2019 looking back over the year it was extremely interesting wasnt it now we think about how strong the market was and we think about how good returns started to look beginning of September right around in here from where we were at the end of January but if we look at the chart SP y and D X Dow Jones and other things in reality about six out of the twelve months of this year were negative and as we know the negative performance always is harder more pronounced and can hurt a portfolio more than the bullish moves of course in February 5th through 9th we had that s