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aloha and welcome to the hawaii assignment of benefits lunch and learn webinar my name is ed cross some people call me the restoration lawyer im really grateful to all of you for being here today were going to talk about a subject that is near and dear to my heart something ive been studying for a long time uh theres a couple of people here that i have not met and so its great that you have logged on and its a pleasure to meet you i wish we could be in person uh to do this at the end of my presentation im going to be telling you about uh an event that i will be presenting live in uh honolulu next year and i hope youll be able to attend that my practice is dedicated to the representation of restoration contractors ive been doing it since 1997. i eat live breathe walk and talk restoration im all about it all the time done a lot of volunteer work in the area and a couple of years ago i was fortunate to be invited by the restoration industry association to form an advocacy and go