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this meeting is now being recorded good morning everyone this is renhe first from bryan cave im very grateful really buddy taking the time to join us wherever your longevity for some of you I know its lunchtime or later for us out here on the west coast its in the morning but in either event I appreciate these opportunities joining the meeting share some information with members of your bank as a brief overview again let me just done me a little bit yeah perspective religious lending division joining the meeting estonia allies so joining let me give you a little bit of riemann eula my backroom need of it colors how I look at transactions and how I advise clients on transactions todays subject and were going to look John grouchy joining the meeting for complex Loango lectures once that involved mixed collateral by mixed Im talking about both personal and real property collateral or collateral that is located in multiple jurisdictions how you deal with management of that collateral