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foreign [Applause] thank you for joining for this weeks reading from my book becoming a designer of Distinction Im Tabitha Evans and this week we are reading chapter 13 protection its how you put safeguards in place as one of my favorite college professors used to say to us cya cover your assets when you are in someones home anything can happen you could step on their beloved Fifi or accidentally drop a vase from Grandma Verna who is no longer with us bless her soul make sure you carry sufficient insurance to cover your team and yourself well on the job if you are working with others make them provide you with a copy of their insurance before they step foot on the project make sure they are not a liability to you expectations you are their expert like I said earlier the clients are counting on you to provide them with guidance and all the information regarding the project let them know up front the steps that you and your team will be taking outline it in your contract as the proj