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ladies and gentlemen welcome back to our latest edition of the risk and regulation news channel of pwc my name is martin neeson im a partner with pwc here in frankfurt and im the ssm relationship partner after several episodes where we went into the detail about ecb supervision especially the srep report from the beginning of this year today we will speak about another very important topic in risk and regulation and that is recovery and resolution planning and of course im doing that not alone i have again a really expert on this topic here with me its carol de vernee from our brussels office hi carol how are you martin im really good happy to be back ah great great carol um recovery and resolution planning is maybe a new topic for some of our viewers so maybe you could give us a quick overview like a general overview about what is recovery and resolution planning of course so you remember that around the years 2008 we had a little hiccups in financial systems in europe and world