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thank you for joining us today just a little more time for people to join and get our interpretation going before we start uh just a reminder to click on the below symbol at the bottom to choose either english or spanish okay so just click on that globe icon on your zoom toolbar to choose your language if youre not already hearing this in your preferred language this webinar is going to be in english with simultaneous bench interpretation marina thank you all for joining us if youd like to follow along with uh our slide deck tonight you can access it here highlighted as you can see the deck like that a little bit about united policy holders non-profit and in operation for 30 years uh working to be a trusted informational resource and voice for insurance consumers in all 50 states we have quite a bit of expertise in disaster recovery which were hoping to share with you today as i mentioned earlier were all not for profit not for sale were funded by donations and grants we dont ta