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Hi everyone its Dr Steph Im an assistant professor at the University of Toronto where I teach the financial literacy curriculum recently I worked with two residents doctors Abir Islam and Vivesh Patel on an academic project to develop and evaluate these this lecture as a resource for new family doctors as we already know a lot of family doctors are retiring and new grads dont want to start new practices and become small business owners so hopefully by providing more resources to new grads like this it will ease the transition to practice and reduce burnout so the FHO or the family health organization model is a type of billing model for Ontario family doctors and it is the most complex billing model it is complicated because it is like learning a new language there are a lot of rules and sometimes those rules change frequently so it took me almost a month to think about how to teach this in an organized and simple manner so Ive developed Ive broken it