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[Music] um but thank you so much everyone for being here today were so thrilled to have you at the bank if its your first time joining us um at the Federal Reserve Bank were also really grateful for you for bearing with us through security um so Im Sloan I if we havent met before I work on our engagement team here at the Philadelphia fed and Im in our community development and Regional OutdocHub Department um and it is really really a pleasure to be here with you and to be here with the Early Learning investment commission and Andrea and her team um were so thrilled to have this conversation um and be in person together its just its so refreshing after a few years of being virtual um I if you havent been to a Fed event before this will be your first time experiencing the disclaimer but I will just go ahead and do that now so the information analyzes and conclusion set forth are those of the presenters and do not necessarily reflect the views of the Federal Reserve Bank of Phi