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Hello and welcome to the WIN Webinar Series, May third, 2022. My name is Bill Bymel. I am your host and I have three exciting guests with us for todays broadcast. For those of you that have joined us live today, thank you for being here and whether youre watching on Facebook Live or live here in our Zoom webinar room, feel free to hit the QA and ask whatever questions you have of our guests today. Well be well try get to them in the next hour. We have an exciting day ahead. Ive got three very close friends in the in the Secondary Mortgage Market, Tom Boren, Rob Hyphen, Fred Moskowitz with me. Uh Ill give them a chance to introduce themselves in a minute. Uh but just as a reminder, if you have if youre just watching the Win Win Webinar Series for the first time, we do this live in person The noon Eastern Time, the first Tuesday of every month. Uh we discuss often real estate. I bring friends and colleagues from from various facets of the mortgage