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Welcome to the webinar. We're excited to have everyone join us as we start right on time, with the participant number continuing to grow. This session will be recorded, and links will be shared with the Treasurer's office for distribution to registrants. Martha Johnston, Director of Education at the Finance Authority of Maine, expressed gratitude for partnering with Treasurer Beck on this important topic. Treasurer Beck introduced the session, emphasizing the complexity and potential stress surrounding the subject matter. Acknowledging attendees for participating, he highlighted that their involvement is a positive step forward.