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and we do plan to provide the recording uh on our gini mae website so you can look for the recording of this training later again uh today you are with us um for jenny maes pool transfer system or pts enhancements training this is targeting our single family issuers um but all are welcome to attend to learn about the enhancements that have been made to the system and i am going to pass it off today to um a very important person in our single family office of issuer from portfolio management um bud riley bud good morning thank you for joining us today we hope you find this session helpful the changes that were implemented recently to pts were under development for quite a while and really they they were driven by the fact that uh pts was really inflexible and to give an example of how inflexible it was prior to these changes you could like quite literally have a transfer of rules that was submitted accepted by the buyer and then upon second review they looked and realized there was one