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were gonna were gonna get started now i think weve got uh quite a quite a lot of people in the call so thanks so much for making the time to out of your day whether it be your morning or afternoon or after work today just to go through this im going to go through quite a lot of information in a short space of time um i can share the slides a few as well ill drop you my email address as we go through this and and make that make it clear that you can drop me a line and i can send you the the slides as well and then you can go through them at your own time because its quite a lot of content to cover okay lets get started so this is the part where i tell you why you should be listening to me i guess and why ive got a level of credibility so ive worked with a lot of er big companies in the financial sector as well as um elsewhere in the super industry here in australia as well as some of the retail areas and now i focus on my own consultancy so im the managing director of the mod