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hello there it is Thursday September 12 2009 teen and we are here with our friend and colleague Michael layman law firm uh John Beck my partner is also here with us and were going to talk about form 10:23 line by line first let me mention that next Thursday we have the amazing Colleen Flynn shes going to talk about the ten practical and legal strategies for hiring employees and then the following week once youve got them hired shes going to tell you how to terminate them on September the 26 so please sign up for that Colleen is a great presenter with a lot of good practical advice and then Barry Flagg is going to talk about the New York best interest rule for life insurance which is setting a national fiduciary standard thats going to apply to all life insurance agents at least in front of juries and youre going to learn a lot about life insurance and practicalities thereof from one of the best skeptics in the industry Barry Flagg we have other presentations coming up you can see