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this is a very elaborate setup for panel discussion we have driveway of sparkling and we have a very nice you know tiny bouquet in front um if I can if you remember what Fred said at the opening he said last year everything that can happen has happened right I would paraphrase Fred and Ill be a bit more candid last year everything that can go wrong has went wrong right a big jump in U.S dollar big jumping interest rates a very very explosive you know Commodities Market because of Russias Invasion Ukraine so and so forth so um everybody knows the title for this round table discussion turning risk in Residence theres a lot of risk last year right theres a lot of volatility and theres a lot of fear and confusion so so it is with great privilege today that were able to invite three or four very valued customers from very different client segments very different Industries uh to join us today to share with us you know and to basically share with us the candid thoughts about what went