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my name is Jessica and I will be your conference operator today at this time I would like to welcome everyone to the risk management 101 for health care providers webinar all lines have been placed on mute to prevent any background noise after the speakers remarks there will be a question-and-answer session if you would like to ask a question during this time simply press star on the number 1 on your telephone keypad if you would like to withdraw your question press the pound key thank you Jim Burke senior risk consultant for hub international you may begin your conference thank you thank you all for attending this Hope International sponsor and healthcare solutions webinar on risk management 101 we hope to walk you through the process of where to start as a new risk manager first a little bit about hub hub International is an international brokerage firm providing risk management solutions to our customers in Canada United States now South America and most recently in the Caribbean h