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[Music] you [Applause] good morning everyone welcome again to our conference center we always appreciate your time and your interest today in the new DFC insolvency loan regulations which in the context of the IFC laws will always be known as lon of one of 2019 we have today a panel of experts that would discuss that and I'll introduce them later I would however like this opportunity just to give you a little bit of background from the IFC's perspective of what what we wanted to achieve in this particular instance and I think what what ultimately has been achieved just a little bit of background and in doing so I want to just once again revisit the D IFC legislative philosophy go a little bit into the detail without hopefully overlapping with Adrienne may say in in in the the the work that was done prior to the actual drafting of the law and then ultimately what what the law I think means for the D IFC going forward now coming back to the issue of legislative philosophy we are reticen...