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great thank you very much John hi everybody glad to be here with you um uh for this next session in the asset building cohort onboarding this is going to be the second in a three-part series um where were talking about the research thats going to be conducted for the asset building cohort today were going to hear from the research team specifically about the opt-out savings account option next week well do a deep dive into the rent reporting for credit building piece so today were going to stay very focused on those savings accounts after next weeks session on rent reporting for credit building we will be returning to the other mtw onboarding topics and digging into the supplement well talk about the specific dates for those when we get to the end of the webinar um I want to let you know we will be pausing for questions and for discussion a couple of times during the course of the presentation um youre welcome to just kind of jot down your questions and hold on to them to talk