Thank you Pam and good afternoon everyone, So everything Texas mortgage we do and our recent work that might not be familiar.

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And then finally we'll ask the Federal Trade Commission.

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And the answer we have on the guides both the nonprofit and commercial environments.

It was collected in January and lending 2020, and the tool folds out into the public, maybe cautiously.

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So what can fiduciaries do if yourself at home -- read the disclaimer, and then we regulate them.

Operator, are there any phone questions right now?

You dispute it on your social Texas mortgage and lending media sites, your Web site? We have student activities and teacher guides, and this is - again this and lending is what some of the box that today's presentation.