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hi everyone and welcome thank you for joining todays call all lines are in listen only mode this call is being recorded if you have any objections please disconnect now well be taking questions towards the end of the call todays presentation will be shared after the call as well so with that Ill hand it over to our servicer relationship and Performance Management director sujatha viswanatha its Jaffa thank you Natalia good afternoon everyone thank you so much for joining us today this is our monthly update so I want to make sure we give you a full some update on some of the things that has happened over the last month uh we will have um Ryan McGinnis whos our director of policy given update from our bulletin from last month uh well this month rather October bulletin um then uh John Felix is going to give us a quick reminder on some of our disaster reporting um after Hurricane Fiona and Ian so just to make sure everybody remembers that and then finally we actually have Carrie Jack