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uh good afternoon everybody this is jody king with the alaska ptac and i want to welcome everyone today i especially want to welcome our speaker chris uh with business experience associates i always mangle his last name so i will let him introduce himself fully and were going to talk about insurance risks and contracts however before i turn it over to chris i just want to do a quick call everyones attention to the go to webinar panel i we are a small group today so id really like to encourage questions and have a great discussion i do want to let everyone know that this is being recorded and hopefully well have this after chris gets a chance to review post event if he agrees then well go ahead and post this information on our website a lot of good information today if you have any questions youre welcome to click on the raise hand feature and i can unmute you from my end im going to go ahead and leave everyone muted now theres also a question box where you can type in your ques