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foreign [Music] and thank you so much for joining us today Im Joan Woodward president of The Travelers Institute and Im really thrilled to welcome you to todays session of Wednesdays with Woodward were so glad youre here before we get started Id like to share our disclaimer about todays program and Id also like to recognize our terrific Partners the Insurance Association of Connecticut the Masters in fintech program at UConn School of Business gamma Iota Sigma and the Metro hardfield Alliance so welcome professional and financial lines are areas of insurance coverage that are continuing to grow in importance and significance to carriers Brokers and customers throughout the US and the world regular viewers of our series are well aware of the rapidly shifting landscape around cyber Insurance weve done a number of programs around cyber but thats not the only line thats been attracting attention lately directors and officers coverage and Employment Practices liability are lines