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foreign good afternoon everyone thank you for joining us for the third in our housing snapshot webinar series my name is Jonathan Parker senior associate in the social housing team at house Percival today Im very pleased to be joined by Jake Lambert principal planner at bidwells just a couple of things to cover before we begin I think we may be too short on time today to allow for the usual question and answer session but please do write any questions you may have for either of us in the Q a function on your screens and we will be more than happy to pick these up with you after the webinar dont worry only only myself and Jake can see the questions and if you have any technical difficulties at any stage please let us know using the chat function and well try and help I will kick things off with a 15 minute refresher into the key structures and features of Housing Association development agreements before handing over to Jake who will be exploring some of the interesting schemes he ha