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hi there welcome everybody thank you so much as always for joining us here today on our webinar today we have the chair and the vice chair of the appraiser qualifications board who will be summarizing the boards proposed changes to the criteria so first Im going to ask Barry uh sorry Brad and Jerry I guess I put that together I think its one person very Im asked Brad and Jerry to introduce themselves now and then Ill do the same hello everyone and thanks for your time and attending this webinar Im Brad Swinney chair of the appraiser qualifications board Im a certified General appraiser with credentials in Kentucky and Texas uh Ive been a certified General appraisal for 30 years and Im currently based in Texas thank you Brad jury hello everyone Im Jerry urig Vice chair of the appraisal qualifications board I am a certified residential appraiser from Ohio with credentials in Ohio and Kentucky and I work for a large National lender and Ive been appraising for over 35 years gre