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hello everyone uh good to see everybody or uh at least have you see me im imagining your faces so uh it feels like were looking at each other um i just wanted to say welcome we are going to do an intro to payment plans im joseph schooland im an account manager here at populate you might already know me uh or you might have nick as your account manager or maybe you havent talked with your account managers you deal most mostly with our support team a bunch of great folks over there too that youve probably interacted with uh excited to get going and so uh just a couple housekeeping tips and notes uh id love to take your questions as we go actually ill probably explain everything first and then get questions at the end but definitely put your questions in as you think of them dont worry about having to try and remember them or whatever and ill just grab them at the end and go over them there theres a q a box and so thats where i want you to put your questions thats the easies