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good afternoon everyone thank you all for joining us those of you here as well as those who are viewing online or via our campus broadcasting system my name is sister elise garcia im a member of the general counsel of the adrian dominican sisters we are a congregation of nearly 650 members headquartered here in adrian michigan but we ministered throughout the united states and also in the dominican republic and the philippines and its my delight today to introduce you to one of our sisters karine floric who is a national leader in the field of socially responsible investing karine has been involved in community investing and in corporate responsibility work for more than 35 years she holds an mba from notre dame and is a past recipient of the prestigious ned gremlich lifetime achievement award for her which is presented each year by the opportunity finance network uh she was recognized for her outstanding uh achievements in building assets for underserved communities so we are deligh