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good afternoon everyone um this is john green hall im here with my partner lisa wampler were both members of the cohen seglius contract review and and risk management group here at uh again cohens ugliest today were going to be presenting payment terms a trap for the unwary this is our second of four ccrm webinars for this year if you have any questions during the course of the webinar there is a question and answer drop down that you can simply type your question in and we will try to answer as we go along rather than waiting until the end uh in addition we will be sending you a copy of the slide deck and if you have any questions after you receive that please feel free to contact lisa or myself uh with that said lets get into this as i said my name is john greenhall im here with lisha wampler and we are your presenters today the topics that were going to cover over the next hour involve basically five traps that arise out of your contracts and your payment terms in those contr