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good afternoon ladies and gentlemen this is deb strong at financial brokerage id like to welcome everybody on this call today on behalf of myself and keith Candido the other sales manager here at financial brokerage just wanted to thank everybody for jumping on today we have the pleasure of having Dustin Carlson on from F G and were going to be talking about a new product with them in a moment but Id like to cover just a couple housekeeping items first and that is we have a couple new trips for our incentive program this year one of them is to Hilton Head which is 35,000 shares which equates to about eight hundred and seventy-five thousand have paid annuity premium for the year and then the other trip is to Prague which is seventy thousand shares which equates to one point seven fifty of annuity premium which both of those qualifications are really easy to obtain so we hope to see as many people there as possible also wanted to take just a moment to talk about an agent referral p