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good afternoon everyone and thank you for joining us the panel today is going to address an interesting topic that is often taken for granted but hopefully wont be taken for granted after you listen to what we have to say today the con the colleagues joining me are alan levine from our litigation department donna dimaggio berger from our community association department both of whom work out of our formation office and david ramsey who works out of our morristown new jersey office all very experienced community association lawyers and an analyst case litigator and we really want to get into some of the things that you frequently overlook and dont pay much attention to when youre confronted with what is in there invariably a form contract for a vendor i also want to be clear what were talking about are service contracts that could be your lawyer your management company the people who do the elevator inspections the people who trim your trees or mow the lawn or treat the pool the uni