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ladies and gentlemen time for the final session of today and let me just say that we all take risks in life but not of our not all of our risks end up in tragedies or really difficult traumatic situations our guest speaker today is a man who has been in the risk business for over 30 years the story he will tell you has docHubed far beyond the narrow confines of his chosen profession to appeal to millions of people from all walks of life we start this presentation with a brief explanatory video Joe you really havent made my life easier and easier at all but I just want to say a couple of things you mentioned those 20 minutes all of us were thinking in our heads about our transformative experiences you know in English as was it as well as in Polish we have this proverb or saying that you can be an optimist or a pessimist there is a glass half empty half full I think you have just added a third dimension to this dichotomy havent you now interestingly enough in the early nineties in Polan