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too big good morning and welcome to member Focus Monday Im Christina Shafer director of social media for and Im pleased to be joined this morning by hars legal counsel Grant harpold welcome back to the program Grant thank you Christina always fun and a pleasure and an honor to be here thank you wed love to bring you on regularly to give us updates and there are some updates some that went into effect February 1st that we want to discuss today um so weve got a lot of great things and of course we will always take live questions from our members so if you have questions for Grant you can type them in throughout the program a grant for those who may not know you yet if you could just tell us a little bit about yourself who you are and what you do well as you pointed out legal counsel for and and Ive been practicing law for 35 years and board certified and Civil Trial law and uh represented Brokers and agents for probably 25 to 30 of my years in this practice on issues conce