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so good morning and welcome to todays webinar im dana moore your director of broker relations at north san diego county realtors todays webinar will be on two contracts the pia and dna which are the property images agreement and delivery notice addendum did you know that these are two of the most important forms but the least understood and the most seldom used forms in the car library find out why not using these forms may just cause you to cry all the way to the bank or put you and your clients transaction in jeopardy your presenter for this mornings webinar is chris haswell who many of you already know hes the broker owner of coldwell banker village properties the immediate past president of the north san diego county realtors chairman of the risk reduction committee car director crmls board of director and a member of car standard form committee theres so much more i could share about chris but i dont want to take too much time away from his presentation so without further