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thank you good morning everyone thanks for joining us this morning sorry about the delay here just cut up and running here sorry about that a little technical difficulties here but we got things going now so thanks for joining us today glad you could join us here on a Wednesday morning and were glad were joined by one of our reference some macro trust here Dave Hill will be joining us here shortly and well be glad to get things going on that end otherwise well be discussing some of the equitrust programs going on right now with what they have in the marketplace also go over their new bridge contract their new long-term care annuity be discussing that a little bit here shortly but we do continue to offer our new producer builders for new agents to IMS in the first six months you can earn some pretty nice additional benefits based on different items based on different levels of production we have a seminar system cash iPads preset appointments just kind of what youre is what you lev