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well good afternoon everyone and thank you for joining us today for our first webinar of 2021. uh we are so pleased that you have joined us today and we appreciate your time uh we also like to thank you guys for participating in the um poll and kathy well go over those uh with you in a moment today were going to talk about lessons learned from ocr resolution agreements and 2020. um the presentation will be done by myself cassie turner im a senior risk management representative in the tmlt risk management department and im going to be joined today by kathy bryant hi im kathy bryant im the manager of tmlts product development so before we get started just letting you guys know that kathy and i have no commercial affiliations related to this talk today this is just deemed as a resource and its not a legal opinion and our goals today as we go through the program what were going to talk about is hopefully to give you an ability to define a resolution agreement and discuss how it a