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good morning everyone welcome to our webinar on avoiding contracts and legals are here already that you have weve also got a few questions to start with um so hopefully everyone can hear us and were ready to get going uh we just a bit of housekeeping in terms of how you can ask questions and how everything can go so youll many of you are already using it but you can see this chat but uh the chat box on your right hand side and that is where you can add any questions that you have done as well so ill be notified when but hopefully you can hear me uh tanya has a much better microphone so you need to be out of here all right so the first question we will start with and i will put this in the chat box as well so tanya the first question is with obviously everything thats going on with coronavirus and postponements etc will i need to refund deposits good morning everyone thank you for joining me this morning uh thank you to easy weddings for putting this on i think its a really impor