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and only mode good morning everyone this is Mark rainmakers here with insurance agency marketing services along with John enting and certainly appreciate you taking time to join us here for this very unique very popular product that weve continued to see a trending growth in sales and appreciate you taking time to join us this morning and finding more about it John is uh the the one special individual whos brought this product was probably three or four years ago now and I just really seems to be catching fire and taken hold with our advisors out there so this morning were going to spend some time go through the product and then for those of you that are interested in learning how to present the product were going to have a special presentation here in a couple of weeks so what we need to do is get you a point it will send you out the documentation for that as well so we will record this will make this available to you get you familiar with the product and then well take you on to