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the broadcast is now starting all attendees are in listen-only mode I thank you so much for attending this webinar this morning here at Ames my name is sandy Vacanti and I had at the light division here and again just wanted to say thank you so much for taking time out of your schedule to attend this webinar on our website and how to run quotes and our life quoting tools a couple housecleaning items before we get started you know wanted to go over our iams business builder so with that you when you refer an agent over to us and that agent gets contracted we give you a check for $50.00 and thats just to say thank so much for entrusting that agent over to AIIMS and when that same agent writes and place business with us whether its over on the life annuity meds up long-term care combination thereof well give you 20 basis points on each piece of placed business place thereafter from that agent and that is indefinite so that is as long as that agents placing business youre going to give