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you good afternoon everyone and welcome to our webinar today why travel agents need what travel agents need to know about debit memos hi Im Judy Howard and it in our customer experience area here at arc sorry about that Im stumbling on my words but its exciting were in week 3 of our arc fraud awareness month that Doug and his team has put together and for those of the you that havent joined us for the last couple of weeks I have dug mass here with me my colleague that he and his team and risk management have put our first ever art fraud awareness month together Doug mass has been with us for over 22 years he has met all of most of that time in the fraud prevention fraud awareness area the risk management Cornelius is not joining us today who is the director of that department and this departments area is really focused on looking at the impact of fraud across both travel agencies and the airline channels and trying to understand and bring to light those different schemes and thi