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foreign [Music] [Music] and get started um so good afternoon everyone happy Wednesday we are excited to be hosting the flash track unconditional waiver Vault webinar today for those of you that just joined you dont need your microphone or web camera for today as long as you have um your computer audio setup so you can hear my voice and see my computer screen then you should be all set we have the Q a turned on so at the bottom of your screen you should be able to see an area for just an area to submit questions so feel free to submit those throughout todays webinar so to get started um the panelists for todays webinar is myself Ben Connery a head of product here at flash track and then my colleague Angela Ochoa shes a product manager here at flash track and she was a major contributor and owner of this feature the unconditional waiver Vault so shell be answering questions at the tail end of todays webinar she is all things payments and unconditional waivers here at flash track so