Alright well good day everyone we want to welcome you to September right happy September to you good day everyone my name is Steve Jackson I'm the senior vice president of strategic development and channel sales here at prime pay and we want to welcome you to our regularly scheduled monthly broker webinars it's one of our in our series of our primary broker webinar series that we hold on the first wednesday of each month generally and we know that many of you have so many more competing interests and obligations and so we're thrilled to have you on board with us today so we invite you here to a seminar or webinar here entitled 10 important changes to aca reporting and I you know many of you I know there were questions here in regard to hey I thought this was solely focused on HRAs and it is to a degree we're going to dive right into that but so we've got a lot of great content here and felt that we were just broaden a little more of the scope of the talk here today to ensure that we're providing you with as much value and content as we can we were grateful to have many of you as partners and so and many of you actually have attended our webinars in the past but let me just go through the logistics here of our webinar today we really covet your questions and as I go through the content for those of you that know me I do try to pra lot of content company you know comprehensive content at the end of the day we want to bring it to a practical basis clearly because you ultimately need to communicate this information to your clients so...