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good morning my name is Chris Keller with the Minnesota Association of Realtors thank you for joining us for our risk reduction series we're privileged today to have Brad Boyd our legal counsel here with us today to talk about marketing service agreements you'll also hear them called ms aes and they're part of respo and there's been a lot of conversation and discussion about how realtors and their brokers could be impacted by these decisions Brad wrote a really nice piece for general consumption picked up by a number of different layer sources including inman news which is probably the biggest in our industry and he's joining us today to kind of talk about it and give you some information short piece that you'll be able to use in your business and again if your agents and brokers you really want to listen if you're involved in these msas so the first Brad why don't you discuss what an MSA is and what context they work in so that people understand what the concern is sure thanks for ha...