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now about any further delay lets begin todays event once again defend against check fraud with ecig matures and signature verification sponsored by Koufax and hosted by American Banker I would like to introduce your moderator for today and that is Mike Fisk Mike you now have the floor thanks very much Christina and I would like to welcome the audience once again I see that we have a very international group today with representatives from more than 30 countries so thank you all for joining we very much appreciate that youve chosen to share some of your busy day with us we know that your time is valuable and we will honor that today with what Im confident will be an enlightening 60 minutes or so of discussion once again our topic today is defend against Shaw check fraud with each signature and signature verification and my name is Michael Sisk Ill be your moderator today Ive been a new york-based journalist for about 20 years and Ive had stints as investor edited red herring and