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welcome everyone this is valerie saunders with the national association of mortgage brokers were excited to have you here today for another one of our great finance of america webinars with jinger bell and today we have finance of america tpo commercial so without further ado ill turn it over to ginger awesome great thanks so much valerie and thank you to nam for having us here my name is ginger bell and im going to be guiding you through the information today i am so excited about sharing this information with you because we are talking about a program that will provide a lot of opportunities for you so with that im going to go ahead and get started your host today or myself ginger bell and john kate john is a field market specialist with finance of america commercial so welcome john were missing john [Laughter] okay well well see if we can get john back here valerie maybe i am here can you hear me i can hear you you know that was really frustrating i was uh trying to sign in th