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good morning everyone uh thank you for joining us today my name is Edward Johnson uh vice president of construction risk here at Bender uh Insurance Solutions uh by way of uh latest breaking news talks Bill did see his shadow so we will have six more weeks uh hopefully like six more feet of rain so I want to thank you for uh joining us today for our presentation on construction and contract and employment law updates for 2023. some housekeeping notes for those of you joining us virtually uh if you have any questions during the webinar please feel free to type them into the chat box or the Q a section for those of you here in person feel free to ask questions as they come up wed like to keep this interactive experience with our presenters and be available to answer your questions along the way at the end of the presentation we will be sharing any other questions that might come up um for our speakers as well as opening up to our in-house attendees for more q a we want to be conscious o