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[Applause] everybody welcome back to another episode of title Tuesdays my names Kevin Thatcher the founder and CEO of Independence title we are the premier title company here in South Florida and as my friend Ryan Coleman does of the Broward real estate investors association when he says announcements I talked about closing statements so today we are going to cover the famous closing statement we have found that more people when they come to a closing table whether theyre real estate agents investors buyers or sellers they do not fully understand how to read a closing statement and youre gonna be able to follow up in one of our next videos where were actually going to talk about the new trade guidelines and our closing disclosure because the this typical closing statement has been eliminated for a regular conventional loan transaction so Marks gonna cover the closing disclosure and Im gonna cover the famous closing statement so youre gonna start seeing an overlay on the video