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welcome everyone and great to uh i cant say see you all but great to be with you all today i hope uh everyone is enjoying the conference so far i did want to take a moment to uh just welcome you all and hopefully you saw some of the key points on the prior screen around uh ways to engage feel free to ask a question in the speaker chat chat with each other in the chat function and uh looking forward to having a great uh um engagement and uh discussion via this format with you all today uh today we are gonna talk about uh the new workplace revolution on demand pay and how technology is revolutionizing the way um we all get paid im going to take a moment introduce myself im seth ross uh general manager of dave force wallet and consumer services at ceridian uh um ive been in the payments industry for uh quite a while uh and started my career in financial services uh really creating embedded financial services products for consumers uh and companies in in many different facets im very