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hello and good afternoon everyone welcome to todays webinar Cobin 19 moving money to the streets steps to get CDBG dollars working locally before we get started I would like to go over a few items so you know how to participate in todays event you have joined the webinar using your computers speaker system by default due to the high capacity of this webinar event computer audio will be used in todays session rather than a phone dialing option you will have an opportunity to submit text questions to todays presenters by typing them into the questions pane in your control panel you may send in your questions at any time and we will address them during the QA session I would now like to introduce Eric Collins director of Montgomery County Community and Economic Development welcome Eric a thank you very much and welcome to to all the attendees from around the country we have a lot of participants today and we have a really great panel to talk about getting community development funds