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all right good morning everyone we got the chat put up there so you can drop a comment in there when you jump on hope everyone had a great weekend and we are back at it feel free to drop a comment there in the chat Lisa good morning good morning everyone that commented before we went live and well get started in just a minute just waiting to go live on all the different platforms here give everybody a chance to jump on here Melanie good morning good morning everybody checking in all right foreign looks like we can get started we are live on all the different platforms so well go ahead and take away the chat there and then we will get into it all right so welcome everyone my name is Kyle Hershey I am the CEO of the mortgage calculator joint here by our President Nick Hershey and our sales manager Jose Gonzalez what we do every day here on the show is go over the live interest rates were going to pull up actual interest rates for today which is uh April 10th and we will check out what