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a new and yet to be released report from edelman shows the lack of trust between financial service providers and communities of color we have lisa osborne raw ceo of edelman united states here to give us an advanced look of the findings so elisa iamp;#39;m hoping that you could do a little bit of scene setting here for us how is the relationship or how would you define the relationship right now between communities of color and that of financial service providers because iamp;#39;m an optimist i will say it could be better there are systemic issues that communities of color have dealt with historically with the financial sector our research indicates that a lot of the things that we have seen historically bias treatment unwelcome environments excessive scrutiny etc continue however there are some bright spots and the opportunity to fix things is a lot better i want to dig into this report before we talk about how to fix things just to highlight some of the findings here you say that