Q1 2020 Earnings Call

Due to the high volume was claims being filed response time online maybe slower than usual.

I recommend you try filing online outside of normal business hours to avoid peak filing periods.

To continue in English press one.

We continue.

Welcome to the Reemployment call center due to the high volume of calls waiting we cannot take your call at this time.

If you need to speak with an agent. Please call back on the next business day.

However, you can access our self service applications.

Decline weekly benefits press one.

To access our inquiry menu.

If you recall intracranial weakening benefits under the pandemic unemployment assistance program.

Okay.

To to claim regular unemployment benefits press one.

Welcome to New Jersey certification system for claiming continued unemployment.

[noise] due to the high volume of cost waiting we can I take it.

[noise] due to the high volume of Causeway, we can I take your call at this time, if you have access to the Internet you may use our online applications to file or we opened acclaim claim continued benefit we're entering change direct deposit information our website www dot end.

Jay you Hi F. L E dot net at Www Dot NJ you I file dot net if you do not have Internet access. Please call back later at 201 601 for 100 or seven three to seven six line.

Zero, two zero or eight fun.

[noise] [noise] due to the high volume of calls waiting we can I take your call at this time, if you have access to the Internet you.

Welcome to the New Jersey Division of unemployment.

Welcome to the New Jersey Division of unemployment federal extended benefits due to the Corona virus pandemic have been passed as of March 27.

We're working on the necessary programming changes to get these benefits to you.

Please continue to check our website for updates as they become available.

Due to extremely high volumes phone availability will be limited.

The recommended method to file your claim is online at my unemployment Dot NJ docket.

Due to the high volume was claims being filed response time online maybe slower than usual.

I recommend you try filing online outside of normal business hours to avoid peak filing periods.

To continue in English press one pot.

Welcome to the Reemployment call center due to the high volume of calls waiting we cannot take your call at this time.

If you need to speak with an agent. Please call back on the next business day.

However, you can access our self service applications.

Decline weekly benefits press one.

To access our inquiry menu press too.

To file acclaim press three.

Due to the high volume of calls waiting we can I take your call at this time, if you have access to the Internet you may use our online applications to file or we opened a claim.

You are about to enter the new Jersey telephone certification system for claiming continued unemployment benefits.

To continue in English press one.

If you were going to claim here, we go benefits under the pandemic unemployment assistance program.

Hi, Chris to claim regular unemployment benefits press one.

Welcome to New Jersey certification system for claiming continued unemployment benefits anyone who provides false and misleading responses to claim benefits may be subject to penalties and fines your call maybe monitor to ensure quality recertification application has been upgraded to allow speed your voice recognition for your responses.

We strongly recommend minimal background noise. During this call to ensure accuracy you may want dependent paper available to note important information for special instructions pertaining to your claim.

Please enter or say your nine digit social security number.

That's 279.

One.

861, too if this is correct, so yes or press, one otherwise CNO oppressed Hill.

You have not made a valid choice here say, yes or press one otherwise they know our press to the social security number you entered is too.

Please enter or say your four digit pen.

You entered.

167, if this is correct Sasser press, one otherwise CNO our press too.

Do you need to report and new mailing address Sasser press, one otherwise say now our press too.

Your claims for the weakening may 2nd 2020. Please answer the following questions by the weak you are claiming for each question you can say, yes, our press, one say no oppressed too or say repeat or press three.

Each question can be repeated once.

To help ensure accuracy. Some questions may be repeated automatically were you able and available for work Sasser press, one otherwise say now our press too.

We are you actively seeking work so yes or press, one otherwise say now or press too.

Did you refuse any work say, yes, our press one otherwise they know our press too.

Were you attending school or job training SASSA press, one otherwise say no or press too.

Did you perform any commission or self employment work, where were you entitled the holiday or vacation pay say, yes, our press one otherwise they know our press too.

Are you receiving or have you applied for a pension or other retirement pay not including social security benefits from an employer included on your claim SASSA press, one otherwise say now our press too.

Did you work during the weeks claimed Sasser press, one otherwise say no our press too.

Listen to the following statement completely before you answer please do not answer before Youre ask to do so you claim will not be processed do you certified at all your responses to the questions are true and that you are aware that the law imposes penalties for Allstate.

So, yes suppressed one otherwise say now or press too.

Your claim is now payable at this time you will receive credit for the weeks you. Just claimed if you are unaware as to the raising your claim expanded and need to obtain further information. Please call your reemployment call Center at 201.

601.

For 100 again, the number is 201.

601.

For 100 for information on your next day to claim benefits. Please check your unemployment insurance instructions and appointment noticed male g. When you open disclaim. If you claim is under appeal the agent cannot provide information on the status of European.

Welcome to the New Jersey Division of unemployment.

Federal extended benefits due to the Corona virus pandemic have been passed as of March 27.

We're working on the necessary programming changes to get these benefits to you.

Please continue to check our website for updates as they become available.

Due to extremely high volumes phone availability will be limited the recommended method to file your claim is online at my unemployment Dot NJ Dot Gov.

Due to the high volume was claims being filed response time online maybe slower than usual.

We recommend you try filing online outside of normal business hours to avoid peak filing periods.

To continue in English press one patoka.

Welcome to the Reemployment call center due to the high volume of calls waiting we cannot take your call at this time.

If you need to speak with an agent. Please call back on the next business day.

However, you can access our self service applications.

Due to the high volume of calls waiting we can I take your call at this time, if you have access to the Internet you may use our online.

[laughter].

Due to the high volume of Causeway, we can.

[noise] due to the high volume of causeway.

Welcome to the New Jersey Division of unemployment federal extended benefits due to the Corona virus pandemic have been passed as of March 27.

We are working on the necessary programming changes to get these benefits to you.

Please continue to check our web site for updates us Navy come available.

Due to extremely high volumes sold availability will be limited the recommended method to file your claim is online at my unemployment Dot NJ Dot Gov.

Due to the high volume was claims being filed response time online maybe slower than usual.

We recommend you try filing online outside of normal business hours to avoid peak filing periods.

To continue in English press, one product continue on espana.

Welcome to the Reemployment call center due to the high volume of calls waiting we cannot take your call at this time.

If you need to speak with an agent. Please call back on the next business day.

However, you can access our self service applications decline weekly benefits press one.

To act.

If you're going to claim your weakening benefits under the pandemic unemployment assistance program the way.

Two.

Claim regular unemployment benefits press one.

Welcome to New Jersey certification system for claiming continued unemployment benefits anyone who provides false and misleading responses to claim benefits may be subject to penalties and fines your call maybe monitor to ensure quality recertification application has been upgraded to allow speed to voice recognition for your responses.

We strongly recommend minimal background noise. During this call to ensure accuracy you may want dependent paper available to note important information or special instructions pertaining to your claim.

Please enter or say your nine digit social security number.

That's one three 604 to 436, if this is correct Sasser press, one otherwise CNO our president.

Please enter or say your four digit pen.

You entered two for three six is this is correct Sasser press, one otherwise say now or.

You will need to speak to one of our agents to complete this claim please call to zero. One 601 for 100 again that number is 201 601 for 100, you will need.

Speak to one of our agents to complete this claim thank you for calling new Jersey's unemployment certification system.

Welcome to the New Jersey Division of unemployment.

Federal extended benefits due to the Corona virus pandemic have been passed as of March 27th.

We're working on the necessary programming changes to get these benefits to you.

Please continue to check our website for updates as they become available.

Due to extremely high volumes phone availability will be limited the recommended method to file your claim is online at my unemployment Dot NJ docket.

Due to the high volume was claims being filed response time online maybe slower than usual.

We recommend you try filing online outside of normal business hours to avoid peak filing periods.

To continue in English press one.

Welcome to the Reemployment call center due to the high volume of calls waiting we cannot take your call at this time.

[noise] due to the high volume of calls waiting we can I take your call at this time if you have.

[laughter].

Due to the high volume of Causeway, we can I take your call at this time.

[laughter].

Due to the high volume of calls waiting.

Welcome to the New Jersey Division of unemployment.

Federal extended benefits due to the Corona virus pandemic have been passed as of March 27th.

We're working on the necessary programming changes to get these benefits to you.

Please continue to check our website for updates as they become available.

Due to extremely high volumes phone availability will be limited the recommended method to file your claim is online at my unemployment Dot NJ Dot Gov.

Due to the high volume was claims being filed response time online maybe slower than usual.

We recommend you try filing online outside of normal business hours to avoid peak filing periods.

To continue in English press, one part of continue on Espana market Dawson.

There are many of our sense or they can buy them bail, they've either like double mandate and modernist beta noble them with domain. So again, Matt and his team momentum Sustenna 50 dialogue going on hand, they put five or John I see into the Abbey CNN Balco say Boyd asset analyst aseptic as soon as Daniel said Resales Bagram I'd been if he says.

I am on our list opening I want to but I sit at analyst from annual their console that opening models.

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There's any physio nicest into this unveil bundle nickel no simpler and less dramatic will deliver Lisa most if not going anywhere if you there www dot my unemployment that NJ that Gov.

But as I go online if there's any fee Joe seminal is that I see Stanton or this is bill let me go.

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Due to the high volume of.

[noise] due to the high volume of calls waiting we can I take your call at this time if you have.

Was there any amount of central done before they go that are in place advent or to have a little bit followed you haven't figured that he allowed area and it will literally.

You have reached the superior court of New Jersey Hudson visits as of Monday March 16, due to the ongoing covert 19 Corona virus.

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[noise] Wade wed like to answer your call.

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Sorry, Hudson as CPCN generally.

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Due to the high volume of Causeway, we can I take your call at this time, if you have access.

[noise] due to the high volume of cost waiting we can I take your call at this time.

[laughter].

Due to the high volume of causeway.

[laughter].

Due to the high volume of Causeway, we can I take your call at this time.

Welcome to the New Jersey Division of unemployment.

Federal extended benefits due to the Corona virus pandemic have been passed as of March 27th.

We are working on the necessary programming changes to get these benefits to you.

Please continue to check our web site for updates as they become available.

Due to extremely high volumes phone availability will be limited the recommended method to file your claim is online at my unemployment Dot NJ Dot Gov.

Due to the high volume was claims being filed response time online maybe slower than usual.

We recommend you try filing online outside of normal business hours to avoid peak filing periods.

To continue in English press one product.

Welcome to the Reemployment call center due to the high volume of calls waiting we cannot take your call at this time.

If you need to speak with an agent. Please call back on the next business day.

[laughter].

Due to the high volume of calls.

[noise], Thank you for calling Columbia bank not to as Daniel Abut Remodels.

If you are being impacted by covered 19 and have a question regarding hardship release for residential mortgage or home equity loans. Please press five.

If you know your parties four digit extension you can dial it at any time or press one for the employee directory.

Do you still link our 24 hour automated system for account information press three.

For rape branch locations and hours of operation. Please visit our website at Columbia Bank online dotcom.

To reach the customer service Center press for.

Please hold to repeat menu options.

[noise] wait while I transferring your call.

[noise] welcome to Columbia Banks automated service Center, Columbia Bank as a member of FDIC and an equal housing lender for rates and branch locations. Please visit our website at Columbia Bank.

Line Dotcom.

For English press, one managed by Neil.

Welcome former Atlantic Stewardship Bank customers. If this is your first time logging into Columbia Bank Suddenlink system. Please be sure to enter the last point digits of your social security number when prompted to enter your pan.

Our menu has changed please listen carefully.

For account information.

Last one to report a lost or stolen ATM or debit card Brett.

Please Andrew your account number followed by the Pam side.

If they can't you entered is a checking account press one if the account.

Please enter your personal identification number followed by the pound side.

Your current balance is.

25.

Sales in $90.40 Youre available balance is.

[noise] due to the high volume of calls waiting we can I take.

[laughter].

Due to the high volume of Causeway, we can I take your call at this time.

[laughter].

Due to the high volume of calls waiting Rick.

[laughter].

Due to the high volume of calls waiting.

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Due to the high volume of causeway.

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Due to the high volume of calls waiting we can I take your call at this time if you.

[noise] due to the high volume of cost.

You are about to enter the new Jersey telephone certification system for claiming continued unemployment benefits.

To continue in English press, one product continue on espana market.

If you are going to claim here, we bring benefits under the pandemic unemployment assistance program anyway pressed to clean regular unemployment benefits press one.

Welcome to New Jersey certification system for claiming continued unemployment benefits anyone who provides false and misleading responses to claim benefits may be subject to penalties and fines.

Well, maybe monitor to ensure quality recertification application has been upgraded to allow speed. Your voice recognition for your responses, we strongly recommend minimal background noise. During this call to ensure accuracy.

They want dependent paper available to note important information or special instructions pertaining to your claim.

Please enter or say your nine digit social security number.

That's one for seven.

For eight five 208, if this is correct, so yes or press one otherwise say now our press too.

Please enter or say.

You have not made a valid choice here, please say or re enter your four digit pen.

You entered one six to five if this is correct Sasser press, one otherwise CNO our press too.

Do you need to report and new mailing address SASSA press one.

You have not made a valid choice here do you need to report.

Your claims for the weekend during May 2nd 2020. Please answer the following questions for the weak you are claiming for each question you can say, yes, our press, one say no oppressed too or stay repeat or press three.

Each question can be repeated wants to help ensure accuracy. Some questions may be repeated automatically were you able and available for work Sasser press, one otherwise say no our press too.

We are you actively seeking work so yes, our press, one otherwise say no or press too.

Did you refuse any work say, yes, our press one otherwise Dino oppressed Hill.

Well, you attending school or job training SASSA press, one otherwise say no or press too.

Did you perform any commission or self employment work or where you are entitled to holiday or vacation pay say, yes, our press one otherwise they know our press too.

Are you receiving or have you applied for a pension or other retirement pay not including social security benefits from an employer included on your claim Sasser press, one otherwise say now or press too.

Did you work during the weeks claimed say, yes or press, one otherwise say no or press too.

Listen to the following statement completely before you answer. Please do not answer before you were asked to do so elster claim will not be processed do you certified at all your responses to the questions are true and that you are aware that the law imposes penalties for fall statements say, yes.

Our press, one otherwise say now or press too.

A benefit payment in the amount of $377.00 being process. After this payment Ukraine remaining balance will be $7961 and zero.

Sense for information on your next day to claim benefits. Please check your unemployment insurance instructions and appointment notice mail to you. When you open. This claim thank you for calling new Jersey's unemployment certification system.

You are about to enter the new Jersey telephone certification system for claiming continued unemployment benefits.

To continue in English press, one product continue on Espana markets Dawson.

If you recall intracranial weekly benefits under the pandemic unemployment assistance program.

Okay.

To to claim regular unemployment benefits press one.

Welcome to New Jersey certification system for claiming continued unemployment benefits anyone who provides false and misleading responses to claim benefits may be subject to penalties and fines your call maybe monitor to ensure quality recertification application has been upgraded to allow Spi two boys record.

Nation for your responses, we strongly recommend minimal background noise. During this call to ensure accuracy you may want dependent paper available to note important information for special instructions pertaining to your claim.

Please enter or say your nine digit social security number.

That's 137.

157 to five four if this is correct Sasser press, one otherwise say no our press too.

Please enter or say your four digit pen.

You entered seven to five four if this is correct Sasser press, one otherwise CNO our press too.

Do you need to report and new mailing address Sasser press, one otherwise say now our press too.

Your claims for the weekend during May 2nd 2020. Please answer the following questions for the weak you are claiming for each question you can say, yes, our press, one say no abreast to or stay repeat or press three.

Each question can be repeated wants to.

To help ensure accuracy some questions may be repeated automatically.

Able and available for work Sasser press, one otherwise say no our press too.

We are you actively seeking work so yes, our press, one otherwise say no or press too.

Did you refuse any work say, yes, our press one otherwise Dino oppressed too.

Well, you attending school or job training SASSA press, one otherwise they know our press too.

Did you perform any commission or self employment work, where were you entitled the holiday or vacation pay say, yes, our press, one otherwise Dino or press too.

Are you receiving or have you applied for a pension or other retirement pay not including social security benefits from an employer included on your claim SASSA press, one otherwise say now our press too.

Did you work during the weeks claimed say, yes or press, one otherwise say no our press too.

Listen to the following statement completely before you answer. Please do not answer before you were asked to do so you claim will not be processed do you certified at all your responses to the questions are true and that you are aware that the law imposes penalties for fall statements say, yes suppressed.

On otherwise say now or press too.

A benefit payment in the amount of $346.00 being process. After this payment Ukraine remaining balance will be $1925.00.

For information on your next day to claim benefit. Please check your unemployment insurance instructions and appointment notice mail to you. When you open. This claim thank you for calling new Jersey's unemployment certification system.

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Due to the high volume of causeway weakening.

For the health and safety over customers and associates or customers, most where a face covering when entering and shopping in our store. If you do not ever faced covering that extends from your nose to your Chen you will not be permitted in our store. Thank you for colon Shoprite effect through Friday April 3rd our store will be open daily from seven am to eight P.M. our store will be.

On on Mondays and Wednesdays for one hour. This morning from seven am to eight am only for our senior shoppers ended risk customers. Please listen closer to the following messages. It contains important information to help answer most questions. We're committed to the safety and well being of our customers and associates, while complying with all federal and local regulations.

We continue to receive daily deliveries in our associates are working around the clock to replenish shelves as quickly as possible.

We continue to experience some challenges with product availability limitations on iden purchases are posted a dislocation and we're not able to answer product specific questions over the phone.

All of US here at sharper and are committed to continue service support our community. We appreciate your patience and wish you continued good health.

Additional information can be found a sharper dotcom. Thank you.

Well I transfer your call.

Okay.

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No question, Frank and how gale.

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[noise] [noise] due to the high volume of calls waiting.

[noise] due to the high volume of calls waiting reconnected.

[noise] due to the high volume of calls waiting we can I take your call. At this time, if you have access to the Internet you may use our online applications to file or we opened a claim claim continued benefit or entering change direct deposit information our website www dot end.

Jay you I am I L E Dot net that's www dot and Jay you I file Dot net if you do not have Internet access. Please call back later at 201 601 for 100 or seven three to seven six line.

Zero, two zero or 8565 072 340.

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[noise] welcome to see me for JP Morgan Lewis.

[noise] you are now entering Youre seeing meeting.

You are currently the only participant.

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Due to the high volume of calls.

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Due to the high volume of calls waiting we can I take your call at this time it.

[noise] due to the high volume of cost waiting we can I take your call at this time, if you have access to the Internet you may use our online.

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[noise] you have reached the Betty choice Sally and could you for breast care at Hackensack University Medical Center. If you know you parties extension press five now otherwise please shoes from the following option.

If you would like to schedule a routine yearly mammograms. Please press one.

If you are having a problem with your breath or returning a call from one moment. Please.

Just a centralized scheduling department and Hackensack University Medical Center.

Maintain our tradition of excellent customer service.

Well, maybe monitored or recorded in order to accurately schedule. The service you need.

Have you a prescription insurance card and your <unk>, Oh mean address your phone number available.

Held at scheduling coordinator Willis shortly.

Thank you for calling the centralized scheduling department that Hackensack University Medical Center. Our office is currently close please call us back during our normal business hours of Monday through Friday, It am to five PM by dialing 1866411, a few empty or visit us online at W.

You that need to see dotcom and click on pays an online scheduling the requested appointment.

You are about to enter the new Jersey telephone certification system for claiming continued unemployment benefits.

To continue in English press, one product continue on espana market dogs.

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[noise] effective immediately there will be no in person core proceedings, except for emergent matters because of concerns about the covered 19 Corona virus not immersion matters will be conducted using following or video conferencing for updated information. Please visit our website at www Dot NJ core.

Stock up we apologize for any and convenience and appreciate your understanding during this difficult time.

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You have reached the Middlesex County Superior Court located at 56, Paris industry, New Brunswick, New Jersey.

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First of all my name Directory, Please press the pound <unk>.

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Our website is W. W.

[noise] due to the high volume of calls waiting we connect.

Welcome to the New Jersey Division of unemployment federal extended benefit.

[noise] due to the high volume of calls waiting we can I take your call at this time.

[noise] due to the high volume of calls waiting.

[noise] due to the high volume of causeway.

Welcome to the New Jersey Division of unemployment federal extended benefits due to the Corona virus pandemic have been passed as of March 27.

We're working on the necessary programming changes to get these benefits to you.

Please continue to check our web site for updates as they become available.

Due to extremely high volumes sold availability will be limited the recommended method to file your claim is online at my unemployment NJ docket.

Due to the high volume was claims being filed response time online maybe slower than usual.

We recommend you try filing online outside of normal business hours to avoid peak filing periods.

To continue in English press, one part of continue on Netspend Youre market.

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You still have not made a valid choice additional information can be found on our website at www Dot NJ dot Gov slash labor for unemployment insurance information.

[noise] welcome you have reached the horizon audio conferencing system. After the town into your conference Security code followed by the pound sign thank you.

For the area.

Good.

[laughter].

Good morning.

Thanks, Anthony how are you.

Hi, guys, so everyone here Soma and Anthony.

Thank you guys both for joining.

Turning to connect with you guys regarding the inquiry that we received.

From a marketing about a health education program.

Oh gosh allow.

Anthony I know that you initially had lower me for a review.

But I have connected with XOMA separately and I kind of wanted to her feedback on it because I know that she does a lot of these on the M&A side. So that's why I wanted to move herein.

As for additional feedback.

So soon but just to give you background, Anthony and I met with I believe and hiring on the health education team.

Last week and she had advised actually give little bit more background on exactly what this health education and I was going to me.

She was saying that this team is basically a team that works on various educational topics.

There are centered around cdis related measures.

And it looks like the partner with Larry's like homeless shelters coming through banks, just how partners and ingenuity to kind of really entergy, Arkansas.

Our community.

It looks like the actual document that is attached to this meeting invite is not going to physically handed to members, but rather.

These community Health partners.

It looks like what we're getting to members are obviously, the promotional items, which I think it was.

Open up the documenting leaders like hand sanitizer.

Yeah I want to mislead please included.

In the actual document.

Yes, I would argue intent hands so.

And storage backs and home cleaning.

So.

So basically potentially in lumber the individuals are going to be coming to the education seminars are really can be current members or the potential occurs.

And I believe at their partnering also with our internal case management team to also kind of facility. These health education seminars and did I Miss anything or misspeak.

Okay.

So really the ask was you know from a compliance perspective does that help education proposal.

As discussed.

And the same with asked on the legal side. So from my review and this is kind of like my first time actually going through one of the so forgive me. Some of my questions are kind of basic I just wanted to make sure that demand due diligence.

I'll review the contract and it looks like there are two sections that would apply section forgot to six section five 116.

Section for actually six talks about led screen in general and then it talks about what providers obligations are and what our obligation is and then five docs 16 talks about market.

So I've reviewed though.

Okay.

I have a sense of what I think what provisions website.

Because we don't know exactly what is going to be said Tim members aside from once listen kozol, it's really hard to I think to nail down what provisions what I'm sorry, because.

The contract it is clinical provision and his clinical metrics that [laughter] child has less than 80%.

You know certain bloodsucker entolimod houses for 1978, Shelley so because I don't know exactly what is being said to members, it's kind of hard to give them.

Hard and fast rule of what should be covered in this house proposal I wanted to talk with you guys to see.

Yeah.

Am I going too far down the ratable or is it are around a lot simpler and I realize I have a couple of question is this something in general from Medicaid and Dave Smith is that what this proposal that we know that or just Medicaid population.

Or just general M&A ads.

It's my understanding is just Medicaid.

As Medicare now Anthony is this something that we will have to file with the state and I mean, how they have those x. I don't think that falls under I'd is a filing you sorry, bandit review or something like that.

Okay.

Yeah, and I know I know on the Medicaid side.

That ends.

Yes.

Yes.

Okay. So there's that so I know joe's not around anymore. So this is as Heather.

Filing these things are how what's the process now.

Yeah, we now.

Okay, I mean from <unk>.

So the stay well so they'll have this proposal misstate, we'll have to review the proposal and follow that process, but in addition to that whatever materials are created there would have to file it with the state for review.

I know they file even promotional items, what's being handed out they file it with the stay in any communication they file it with the state.

Before approval.

In terms of M&A side, we were just review.

The.

Communication.

So the numbers with steel or the or the general audience would see any presentations any flyers anything like that.

But on the Medicaid side, it would be that.

Review of the program itself.

And then afterwards approve them they would.

The minute any.

Materials for the state to review and approve any presentations or what have you.

Hi.

So I see so I think from my perspective without really seeing.

Talking points about what exactly is going to be presented two members on what is actually member facing it's hard to give them hard and fast role in terms of what provisions will apply the only thing I know for reading This proposal and Anthony keep me honest unless you see something else. The only thing I see as being member facing are just the actual item if they're going to be.

Surviving.

Two members so without noise like the details of exactly what talking points are going to be communicated to members, it's hard to give them.

Amateurs around those those talks may need so.

Sure.

They will need to follow what the requirement is.

The process right for their requirement first would be the file that proposal with the state.

And is the state is an agreement and doesn't make any changes.

And again I don't know all the details around that Anthony you have more experienced with the Nigel.

I now have any but on.

And then after that.

Yeah.

[noise].

Okay.

[noise].

[laughter].

[laughter].

[noise].

Okay.

[noise], Okay. So it's.

Sounds like we don't really at this juncture would also be too concerned with the context of what is being sat more just kind of the overall class.

[noise] Sarkozy USA.

No I would guess that Anthony do they have to complete both foreign and submit this with those four.

Those oh yeah.

Yeah.

That's a different price okay.

Vendors.

Okay Gotcha.

Okay.

Got it.

Okay.

So I.

I appreciate that background on Zillow and answer because it does help narrow down in terms of what what I think would apply based on my review. So I think really you know just aside from the general marketing rules Anthony like you said the monetary value placed on what we had out to members.

You know certain reps I.

I think there's a provision in that toxic.

More than one.

Marketing rock Tenn approach and individual they can't get list does number names and keep them things. It afterwards, I think that's business as usual for them I think specific to this per hope proposal. The only provision I found I think what a pie I just talked about.

The education.

Oh, sorry.

Hi, guys can you and pack and hold on.

No problem.

Anthony how are you doing.

Yeah.

Yeah.

[noise] right.

Well that's good.

Yes.

[laughter] I hear you I hear it gets a little crazy.

Okay Yeah.

Hi.

With my daughter.

Few weeks ago. She had some other sends them now all of them.

So she had to isolate for a little bit, but she was fine within a week.

Your Watson in Jersey City. So you know she is right there's I've been in New York So.

Yeah.

But you know all is that all is good.

[noise] today than not test they wanted to get passive but they were like when she got it there were like swapped.

And they couldn't even get strips out at all that and it wasn't like unless you had the.

Hi, this shortness of breath.

Hi, great.

And lightheadedness, so she didn't have the t. Rowe the costs.

So you know she just stay home for a while very useful in her apartment and then of course, you know I was like asking on her [laughter] at least a couple of times during the day enough but.

Oh, yeah, but you know she's fun.

[noise] I appreciate it thanks.

[noise] Susan.

[laughter] yeah.

Right.

Right.

Yeah.

Yeah, I think they're opening up more centers and New York, New York has been more restrictive in terms of stay at home.

So that's a little bit annoying, they just opened up county parks.

Oh this weekend so at least you know some people got to go out a walk.

On branch ballpark, if so beautiful but.

Oh, the mayor I mean, we get thought we hear the silence several times a day, because they're trying to get people to stay N.

Let's just you know bloody but [laughter] weighing on they go on.

[noise] sensitive.

[noise] yeah.

[noise] Love Beth.

Yeah.

Sorry about that guys I apologize, okay, we were catching up [laughter] sorry about that.

So I don't know I don't know if you guys can see my screen basis, I think there's really only one provision kind of knowing what we know now at least knowing what I know now kind of getting the background from you guys.

There is one provision in the contract that talks about what should be included in these types of educational programs and interest talks about letting the family now that all aspects of let hazard.

Sources of let hazard.

Tentative measures.

And appropriate nutrition.

So it sounds like Betsy, that's what's going to be discussed in his proposal.

Again without seeing the talking points, it's really hard to say, but yeah I think the overall outline of it.

Hi, I think one thing they drill down to what actually is gonna be distributed.

This that we'll be looking closely at you know that communication.

For that so I mean.

Okay.

You know that's good.

Okay.

So and the firms.

Okay.

[music].

[noise] yeah.

Okay, yes any.

And when and when they do provide despite these types of like just kind of a proposal for a review do we have to kind of reinforced by the marketing provision as well for Saturday understood.

Yeah.

Okay.

Okay.

[noise] okay.

So I think in terms of next steps I think I would agree I think it does pass nothing alarming based on this because those licenses. Please go ahead and given a green light.

So if you do you want me to kind of respond to Iris from a compliance perspective, letting her no one's what's actually to refer to but letting her now that overall from applying perspective, it's okay. And then you separately respond or do you want to have a collaborative response.

But in joint response.

[noise].

[noise], Okay, Hey area.

Okay.

Hi, guys well. Thank you bolter time I appreciate it.

And second level like shortly thank you guys have a wonderful day.

Sure enough profile.

Hi, John Bye Bye.

[noise] due to the high volume of calls waiting we can I take your call at this time.

[noise] due to the high volume of calls waiting we can I take your call at this time.

[noise] due to the high volume of calls waiting we can I take your.

[noise] due to the high volume of calls waiting we can I take your call at this time, if you have access to the Internet you may use.

[noise] due to the high volume of calls waiting we can I take your call at this time, if you want.

Thank you for calling your local Sam's club, we appreciate your business and look forward to the opportunity to serve you an article off if you were going to check item availability. Please know that due to constantly changing inventory levels, we're not able to provide this information over the phone at this time the best way to understand current item availability is the visit.

Your local sales go up until further notice our hours of operation for all members is Monday through Saturday night, I am the ATM and Sunday tend to 16, fueling pharmacy have not changed their hours and members who have scheduled glove pick up times seven am to nine am will still be able to pick up orders. During this time. This change in hours allows our associates to restock lean.

Im sanitize with glob. Thank you for your patience and for being at Sam's Club number was well balanced breast walk or pharmacy, perhaps to refresh bakery press for refresh need in Delhi press fiber cellphones depressing for optical press seven or Cathay bridging to speak to a number of service associate breast zero to repeat those many.

You Press Star.

[laughter].

[laughter] thinking behind pamphlet for your partner healthier [noise].

Oh.

Oh, I thought or waiver yeah right.

Yes, we do.

[laughter].

[laughter].

Welcome to the New Jersey Division of unemployment federal extended benefits due to the Corona virus pen done I kept in past as of March 27th we're working on the necessary programming changes to get these benefits to you.

Please continue to check or web site for updates as they become available.

Due to extremely high volumes phone availability will be limited the recommended nothing to follow your claim is online at my unemployment Dot NJ docket.

Due to the high volume was claims being filed response time on long maybe slower than usual.

We recommend you try filing on long outside of normal business hours to avoid peak filing periods.

To continue in English press, one Patoka <unk>.

Welcome to the Reemployment call center due to the high volume of calls waiting we cannot take your call at this time.

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[noise], if youre going to claim here, we grew benefits under the pandemic unemployment assistance program.

Hey, Chris to to clean regular unemployment benefits correct.

And then it unemployment assistance benefits cannot be claimed over the phone and are only payable online.

So to www dot my unemployment dot NJ dot Gov to clean year weekly pandemic unemployment assistance benefits.

[noise] [noise] [noise].

[noise] [noise] due to the high volume of calls waiting we can I take your call. At this time, if you have access to the Internet you may use our online applications to file or we opened a claim claim continued benefits we're entering change direct deposit information.

Website www dot.

[noise] due to the high volume of calls waiting we can I take your call at this time, if you have access to the.

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Thank you for Kellyanne again.

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Thank you for choosing out again, if you do your probably extension you can guide at any time.

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Hello.

If you know you're probably extension you can download anytime.

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[noise] [noise] [noise] regarding other than you would trend operator.

Okay.

How do you still that last name.

Okay <unk> M I R.

Okay.

One moment.

I will try to start thinking.

[noise] [laughter] [laughter].

[laughter].

[noise] [noise] [noise] near Genie underscores saw that is currently unavailable.

Please leave a message after the town.

When you have finished please hang up or press the pound key for more options.

[noise] [noise].

[noise].

Yes, My name is Gina Robertson.

My current and phone number is 9.8.

For three seven.

9567, and tell me your first name again.

Alex Thank you.

Okay, So Alex I'm trying to get into rumba.

And I get an era that says this session field offices has encountered a critical problem and needs to close.

So I need help getting into rumba.

Sure.

[noise].

No. This is this is the first time today I have.

Not had this problem previous today that I remember.

Okay.

No knowing my luck as soon as you push that button, it's going to go right into it [laughter].

Uh huh.

Okay, well it'll come up in a second because this is how long it takes.

With this error.

Uh-huh.

And you want an alternate numbering case, you have to like restart bank computer because I'm using us off phone right now that and I know.

<unk> number as a soft phone.

Okay.

My cell phone number is two to four.

715.

For seven to four and there's the air [noise].

Sure.

Yeah.

Okay.

[noise].

Yes, no worries they see it [laughter] keep saying that it's gonna take long well there was maybe that helped.

[laughter].

Okay.

[laughter].

[noise].

Okay.

So I'm going to probably lose you if you restart make computer because obviously it like I said this was a smartphone or less.

So I phones, though it's all.

And so you know.

Yep narrative.

Saying there.

Okay.

Okay.

Okay perfect.

Mm Hmm.

HM.

Hello.

No.

Yes.

Okay.

[noise].

Thank you so much <unk>. This is Tom <unk> purposes, obviously sit today.

[noise] due to the high volume of cost waiting we can.

[noise] due to the high volume of <unk>.

[noise] due to the high volume of cost way.

[noise] due to high volume of cost waiting we can I take your call at this time.

[noise] due to the high volume of cost waiting we can I take your call. At this time, if you have access to the Internet you may use our online applications to file or we opened a claim claim continued benefit or enter and change direct deposit information our website at www.

<unk> and Jay you I am I L E Dot net that's www Dot NJ you I file dot net if you do not have internet access. Please call back later at 201 601 for 100 or seven three to 761.

202 zero or 8565 072 340.

[noise] due to the high volume of causeway.

Welcome to the New Jersey Division of unemployment federal extended benefits due to the Corona virus pin down a cup in past as of March 27th we're working on the necessary programming changes to get these benefits to you.

Please continue to check our website for updates as they become available.

Due to extremely high volumes phone availability will be limited the recommended nothing to file your claim is online at my unemployment Dot NJ docket.

Due to the high volume was claims being filed response time on long maybe slower than usual.

Well you recommend you try filing online outside of normal business hours to avoid peak filing periods.

[noise] to continue in English press, one part of continue on.

Welcome to the Reemployment call center due to the high volume of calls waiting we cannot take your call at this time.

If you need to speak with an agent. Please call back on the next business day.

However, you can access our self service applications decline weekly benefits press one.

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Due to the high volume of calls waiting we can I take your call at this time, if you have access to the Internet you may use our online applications to file or we opened a claim claim continued benefits or enter and change direct deposit information our website at www Dot and Jay you I.

If I L E Dot net that's www dot NJ you I file dot net if you do not have internet access. Please call back later at 201 601 for 100 or seven three to 761 202 zero.

Or 8565 072 340.

[noise] due to the high volume of calls waiting we cannot.

[noise] due to the high volume of causeway.

<unk>.

Well said I'm out of central done before they go that are playing offense ourselves that around <unk>.

[noise] due to the high volume of calls waiting we can I take your call.

[noise] due to the high volume of calls waiting we can I take your call it.

Welcome to the New Jersey Division of unemployment federal extended benefits due to the Corona virus pen done a cup in past as of March 27th.

We're working on the necessary programming changes to get these benefits to you.

Please continue to check our website for updates as they become available.

Due to extremely high volumes phone availability will be limited the recommended nothing to file your claim is online at my unemployment Dot NJ dock up.

Due to the high volume was claims being filed response time online maybe slower than usual.

We recommend you try filing online outside of normal business hours to avoid peak filing periods.

To continue in English press one.

<unk>.

Welcome to the Reemployment call center due to the high volume of calls waiting we cannot take your call at this time.

If you need to speak with an agent. Please call back on the next business day.

However, you can access our self service applications decline weekly benefits press one.

To access our inquiry menu press to to file a claim press three.

Welcome to the New Jersey Department of Labor in workforce development and disability claims information system to continue in English press or say one.

Back on.

Detailed.

You have not made a valid choice here additional information can be found on our website at www Dot NJ dot Gov, Slash labor, where unemployment insurance information Pressers say one for disability.

After.

You have not made a valid choice here, if you aren't employer press or say, one if not kras or say too.

For information from your most recent unemployment claims, including the last check them out claim balance and benefits paid during a tax year Crestor say, one for general information about unemployment insurance Pressers say too.

Please enter or say your social security number.

Welcome to KPMG <unk> [noise].

If you were the leader Please press star now.

[noise] you are now joining the meeting.

[noise], who.

[noise].

Oh.

Two.

Who.

Who.

Who.

Two.

Good afternoon. This is Ryan Gallagher it sounds like we have a few people still dial in and so we'll give it another minute or too.

Alright.

Before we get started I'd like.

To a little bit of a roll call.

We have anyone from de la on the line.

<unk>.

Hearings Randy.

Hey, Ryan guys later on.

Hey, John.

All right.

[noise] Maria.

I think most is doing.

Okay Revionics vigorously on either.

Okay, I have ramming action Maria and Melissa I think that GE compressing, everyone that I was expecting clay sorry.

As far as the KPMG side goes I see John edge, Kevin Black Man, you see Lance manner I.

I see a route so.

We'll cameron have any Kevin Bisha.

Manny.

And quite a few people okay.

Olivia.

Mark is.

Brian Pal.

All right I think we have corn then.

Okay.

I'm not sure. If you all received the updated meeting invited should it came through or about 15 minutes ago Battle High road to slide deck.

Okay, Randy or do you guys will you guys have it.

Awesome.

Okay great.

So do you guys are able to go and open that up and that'll be the slide deck that we're viewing today.

Randy you wanted just let me know when you're able to open that filing we can go and get started.

Yes, I will open in go to get started and when you're ready.

Alright.

Well first off thank you everyone for dialing in today as you all know this is the.

Officials central team and kick off meeting.

So I just wanted to again jump right on him.

So starting with slide two.

Just the overall task order summary, and objectives just from an administrative perspective, we have the task order the period of performance, which will be may through November 15th. So obviously, we are underway.

In regards to the central team task.

Randy Mr. Randall Chairman is the task order Costar.

Surrounding looking forward to continuing to work with you.

This time and a little slightly differently now being on the central team, but I'm still in the world of audit.

And then obviously you all are well aware of the over you any objective but.

Overview being.

Daily originally establishing the central team to pull the evidential mattered to help.

Delays business operations that to expedite the overall retrieval.

And the objective being providing audit readiness and sustainment and system support to delay.

And define and pulling the evidential matter so.

Obviously, everyone on a daily side as well aware as well as now the KPMG.

Those of you have supported.

The data team on a response.

But there are kind of preliminary internal discussions.

The main focus being the evidential matter retrieval as well as a few other responsibilities, but that being I guess the high level first on stability being the evidence from matter as well as the.

Maintenance of the RC tool uploading downloading documents from there.

We will get into that in a little bit right now just some administrative items so on to slide three.

Just a KPMG leadership, so was hacker the engagement partner John Barclays being the project managing director.

And then our very own John edge, and Tom Kennedy being the engagement director and the overall team lead respectively.

Good morning. Thank you were made you can't have gone back and all that.

Yes as housing aside I didn't know if it was time to put my name on there. So I figured you know and leave it often saga brings it up [laughter] I'd say that gentlemen, the labor action barely hey, Ron I can barely elevating office problems by phone, but could barely hear.

Thank you again as I was talking before hand.

Yeah.

Yes.

Okay very little.

Yes, a little around like a robot.

Okay, Yes.

Let me.

Okay.

Thanks, John.

Hi.

All right I'll, maybe I should have put my phone number up there.

Johnson's networking.

[music].

I figure from deal like respective y'all.

I've worked with you all before so.

We've got your number Ryan, yes, yes, [laughter] [laughter], okay. So moving on to slide four again.

Nothing new here I don't think shouldn't be any breaking news, but from an administrative perspective, just wanted to make sure that be covered the delay PRC being contracted contracting officer. The EPA contracting officer representative and then the task order.

Our being Randy.

All right I mean on slide five you can actually get into.

Richard Deliverables of the central team and a little bit more into the weeds the actual team in the breakout.

John re able to dialing.

Yes can you hear me butter.

Crystal clear.

Okay.

Perfect.

Hi, John we just went over.

The administrative items and need in as much in terms of obviously, the KPMG leadership in season and the delay.

Yes, so we're on slide five where we're kind of just getting into the actual deliverables.

And again this game shaved off the PW as so.

For anyone who is looked at the PW as this shouldn't be anything new here.

Again more of an administrative perspective kind of lay out all of the task order deliverables. So what we are contractually obligated to.

Just wanted to make sure this is clear transparent and and on on a slide deck for everyone. So that everyone's on stage.

Any questions, so far and on kind of flying through the sides, but wanted to pause if anyone has any comments or any questions. So far.

Yes.

All right.

So moving right along to slide six.

So John and I will have some other team members have had some preliminary discussions of what and optimal team or chart. So to speak looks like in terms of breaking out of responsibilities.

Where it makes sense have different leads.

As well as the different supporting teams that can ultimately help optimize and make the central team more efficient.

I think.

Central team is in a unique position now.

Because when I think of the overall audit response process I kind of originally have looked at it in three different pieces you have the auto response data team.

Which would be my previous team.

The central team.

And then you also have the ours team. So I think KPMG is now the unique position, where we do you kind of have that end to end oversized where there previously may have been.

Barriers, whether it be if your communication barriers whatever it may be.

Between step one step too.

As well as step two and step three I think.

The main purpose of this visualization.

Thank you articulated here as trying to show that I think there needs to be an integrated end to end process and I think now is that.

We're in a position to do so I think trying to bring on.

People such as Marcus acts so I know they will dial into the call from the Arsene, making sure he's involved and within the loop of what central team is ultimately feeling and Conversely central team learning from the our scheme.

I know one I'd off the top of my head as learning MCU eight procedures that are seems farms and try to bake those into what the central team is ultimately doing not necessarily to duplicate works, but essentially duplicate work.

But ultimately optimize and make the end to end process, a little bit more efficient so I think.

Whether it's the data team audit response, working with central team Central team working with the Rx team.

I think there's room for improvement there and that's ultimately what I'm trying to depict here between.

The RPH team.

Supporting the.

Retrieval coordination they are seeing helping with the RC tool and quality assurance.

And then the any bottom portion of the.

Average, having the process reengineering lead which I'm.

Hopeful I will be able to help with that.

But I think just the general understanding of the end to end processes, what that responsibility will be for the process reengineering lead.

And then everything in Orange is supposed to be.

Supporting team so as I mentioned, the ours team ERP 18.

And then as you will notice in the top left corner, we at the audits me, so im KPMG resources, such as Lance or essentially Wang.

Well no them very well and they have been nothing but great held through the data team audit response work that we've been performing.

Relied on them heavily throughout.

Many of those PBC requests and I look to do the same here with the central team I think providing that audit lens to the central team will be upgrade value to gain understanding of.

What is the auditor expecting one name requests.

Ex piece of evidential matter.

Or just strategical responses and how to reply or upload evidential matter to RC tool ultimately for E. Wise review, I think thats, where an audit subject matter expert will really.

Thank you bring their value to those to the central team.

And then you will notice the surge staff.

And the top right corner.

And we'll dive into the objective of the search staff team, but.

Ultimately those are resources that come from.

The ours team or to.

18, ERP 18.

But those are that's kind of the break in case of emergency team.

So everyone on the surge staff team will be trained up and will be knowledgeable in terms of central team responsibilities. So it will be their responsibility to understand the evidential matter retrieval process.

Quality assurance process as well as you know how to operate in uploads Darcy tool.

But they won't necessarily be full time on the central the central team.

There are just there for backup for as I said to break in case of emergency for the instances where.

As Randy Youre, well aware deed.

He why at times likes to drop.

You know anywhere from four to five.

Evidential matter PBC request.

And then the next week there may be one.

So in the event, where we can have those crazy weeks, we're trying to begin a risk mitigation so to speak King.

And then that's what that search staff is serving that's their purpose.

Then if you look at the central.

Area of the actual graphic and the baby Blue So to speak is the actual core central team.

Oh project leadership, being John Barklow, John Edge and Tom Kennedy.

Breaking down into two sub categories being the eventual matter retrieval.

Side of things inside the house and then you also had the RC tool quality assurance side of the central Matt Central team.

Starting with evidential matter retrieval.

Yes.

I think it.

Key point to bring up that.

The supporting staff on the evidential matter retrieval team will not be Dino only ODC support or only Peter Peter support.

Well I think it's important you have a PDP PEO seed or maybe Melissa through rely on kind of have.

The that line to that person so to speak or.

Oh to see PRC for Maria.

I think it's important to make the delineation that that is not what they are only responsible for any event, where you know we may get two or three expense evidential matter requests.

Don't get that we are they would obviously helps support the PDP evidential matter retrieval. So everyone that is in on that supporting evidential My retrieval staff will be knowledgeable and more than capable to support both LC and PDP ventral matter request.

But we do plan to have.

Specific OTA CPSC as well as a PDP PMC.

For evidential matter request.

Right and then.

So basically.

These are just too vandals.

Like if you got like a budgetary.

That could fall under either Otis that your fleet is PDP or even got to Pete as could be in fall under.

We need to be as well so I mean.

Just like utilization as you look in the.

The Eightthirty, calling you see the spreadsheet.

I would just deal that is focused filing or would it be viewed to be on you may have to look at it will be to ask and see that there was some beat a piece of that tie back to that as well.

Sure.

Absolutely Thats a great pointed out I think we're actually seeing that right now with one of the budget PBC request, where we're seeing.

As you budgetary KLAX, where one is primarily sales orders in one we're seeing purchase order. So it is kind of double dipping in that PDP realm, as well as that ODC around.

So I fully agree and here, what you're saying.

Right. So I guess from our point of view is I guess, we want to know.

If it wasn't pita as it had VP or whatever that means of is the same person or do we had somebody else on there I guess, we'll be it would be the same personnel at the same thing that would help out but.

Right right yes.

Team.

And Thats why I tried to.

Articulate that everyone on that IBM retrieval team is going to be capable of.

Providing support for all M. retrieval tasks.

The intent of creating that lead.

I guess is because.

Primarily we're going to be seen those expense and those.

Revenue PBC request, so having a PSC for those two.

The intent behind that is to allow for.

Murray, our Melessa, Randy Nick Whomever I may be reach out for those specific PBC is with the understanding that there are rare occurrences of.

You know budget Pdcs for example, where you do you have both ODC MPT transactions.

And in that events I think it would be appropriate to call either though to see orthopedic FC because in theory both of those leads.

For those peos fees should be.

More than aware and be able to speak to those specific processing.

And high links to budget. Please.

Go ahead.

Hi, this is going to say.

You are going to find that with revenue PVC. This well you're going to have for anything thats customary direct you'll have to incorporate PDP is expense.

Procedures as much as you well with revenue.

Hey, jurors as far as pulling the.

I just want to mention that fully am is the easy part.

Understanding the process that.

We'll take some time.

You do I'm not sure here Youve assigned to the PD.

As PST to yet.

But understanding that BLE processes for those will be very beneficial.

Right.

Yes, I think our intent here and Ryan touched on it is to give you all.

The.

To use his words about line.

On appears see that you can rely on for your process area, but.

The other intent here is that.

The team will be cross train so that you not just relying.

On your PDP plc.

Melissa ODC PSC for Maria et cetera.

We'll be cross train to across the different process areas.

So that.

We can we can be flexible and.

Just based on what we're getting.

As far samples from me why.

All right.

And.

And then the other.

Area would be the RC tool and quality assurance lead and the supporting stop there.

So.

I think the reason why we Havent arrow to the ours team is because we would like to bake in some of their quality assurance checks or whether it be.

Preventative Q, HX, which I think should be kind of baked in towards the beginning of the overall evidential matter retrieval process as well as from a Q a team perspective, having the detective Q a procedures in place.

Just so you know from a process perspective, we have Q HX from the beginning of the process as well as at the end of the process just to make sure that everything we are providing is complete inaccurate.

Obviously, the quality assurance team will be.

Heavily involved in kind of those risk mitigation tactics to.

Kind of.

Provide that final QH AG before uploading into the RC tool as well as just the RCP responsibilities I understand.

Hi, I'm working on the data team auto response.

Work, knowing seeing how much that the RC tool.

Can provide support a for the Wednesday means be obviously uploading.

Pdcs from the data team audit response work as well as all of the.

Evidential matter that is going to need need to be uploaded into that RC tool. So just ensuring a that you understand how to use RC tool, but also having a hemi and emphasis on that quality assurance rolling and making sure Maria to your point.

Having an understanding of those ODC procedures PDP procedures, all the tricks and nuances of the different GL accounts. The deferring fund categories. So obviously that is a lot of knowledge. So baking in I think.

Preventative and detective Q eight procedures can only help a bad that learning curve.

But keeping in mind that we also have the ability to leverage the are seeing our audit sneeze the.

Data came out of response team.

To help a bring everyone on the central team up to speed, but also.

I will help out with those quality assurance checks throughout the entire and then process.

Right and Ryan I think from our point of view like I don't think RST member it doesn't make you a around.

Our samples that we provide and then.

Just like you know to be clear on light you know expectations you know like.

When we upload dumping.

Three.

The other dealer J code, they usually take Dino.

Two to three days, a review to stop and Neil what are their approving the RC tools, though.

We we ask maybe we can get step up as soon as possible into the RC tooling going and get them approved on our end still has to go through another.

Review process before it gets fully approved and release to even wise so.

You have like a deadline saidal five five.

We have to get that.

As soon as well that way the other day codes have.

On the review it and if they can and approve it.

So kind of what we do on a central team is good credits gives Duff Kuwait and then get it is just so the other team that time to review purely because of its late than.

Can be on us could be on them, we just kind of better it against us and.

So to be in late.

Right sure.

That's fair value, whereas.

Yes, yes.

Yes, I think thats ultimately why for the last.

Very bottom of damage, we have that process reengineering, just because to your point Randy I understand the importance of obviously complete and accuracy, but also timeliness and the response given the nature of these eventual matter PBC request.

Knowing that time is always of the essence.

Even if we're saving two or three hours by working with.

Our audit fees or the ours team or that data team audit support.

You know two to three hours could could be a big difference when it comes the eventual matter retrieval.

Obviously trying to optimize as much as possible, but understanding that.

You know every little bit does help and it does add up over time, so just trying.

To dedicate.

People to that process reengineering roll on ultimately trying to make this process as efficient as possible.

So I think.

Yes, I was going to add a lessening.

After doing it for two days.

We're already seeing very logical process efficiency that we can build.

For instance.

The stage to follow that we create.

There's no reason why.

We can simultaneously, creating second output file.

Thanks, Ben is the input file to the.

Various Bob.

No no no transposing stage two into the input.

Well file for the bar to read.

We'll just have that kicked out from alter its all the same time.

And then if we're really on.

I think we can build up in higher brought the.

Sal.

Using the new.

Data connection between Honda insights.

So.

Without using aldrich without using a KPMG machine at all.

Hello.

If the data over into SaaS habit run through a similar work flow that we have currently in ultra add all the stage do attribute.

And create an output file that would then serve as the input fall to the bots and that you know that that file could even.

Right itself directly to the to do folder.

Andy.

Indeed in the bought.

Holder on the shared.

So.

I think I think there's going to be a lot of ways.

That we can build efficiency.

Just just haven't been created in the path.

And then I think the other the other point that line was making around.

Preventative detective controls.

If we can rely of mentioned the several thousand several book, but if we can rely.

On those controls if we can get lands and chalet to put their order had on.

And your value what we've created.

Yes, I think that helps.

Downstream any sort of Q way, you know I mean, it'd be nice to give the fields confidence.

That hey, I don't know exactly what Youre few eight procedures are but here are the ones that we perform.

And a systemic way and.

In a way that.

Our.

Control that.

Our auditors think.

Stand the test the of and auditors wins.

And then to the extent to that helps those field organizations or.

Maybe the art's team.

Being more selective and what they're reviewing because they can rely on the controls that are already there.

Whatever those efficiencies our thing I think thats going to be some and.

And ultimately make this entire ended process more effective.

Yes, I think thats sounds good heading.

Having the auditors Joel people look at it would be good.

We just I mean.

Give me.

Analytical gemino, sometimes about a lot of M. stands a little bit again model. We are still one some of that's what the hold up.

Hey, Matt upward in the RC tool I know, you're well aware that blood.

And then like the boss stuff I think you know.

You were talking about before we'd like to soften the holding that the of I think thats good to.

Ill now with a timeframe is on that.

To get that does.

Created but.

Thank you you definitely definitely a downstream, yes definitely downstream I mean.

Separate output filed from all tracks that within service the input file to the bought that battle that will be easy thing Ryan could do.

And now afternoon, but.

Recreate re performing I mean, theres going to be.

A couple different.

Reasons, why that will take a little bit longer as it relates to Sal.

Namely.

The the connection between hot in SaaS is still end user acceptance testing, so we got to get that.

Finalized and into production, but you know that.

I think it will have to be well when we have the time.

Well its unique blend, but we can leverage the data team.

Those resources there is scope for.

Building out things in size.

So we like might do to leverage a separate team in other words as separate group of people.

So that Doesnt Mr. Rob.

[music].

And your retrieval activities and then.

At the same time.

You know also not have to wait for us to to get some downtime to work on that.

But it just an idea at this point we haven.

We have done anything just that idea.

Hi, My name is good concepts.

I think more efficient run more smoothly.

Last coronation hand, marketing people are more automated I think thats that's cool.

Yeah.

Okay, Ron Alright.

Looking ahead.

You will have a roster on euro I'll just make a note.

Hi.

With the brand new team.

Hi, I'm, leading the way from putting all the names and all the boxes I know I've shared with you Randy.

A notional list of of Who's doing what in a couple of CVT four areas that we're still.

Trying to staff.

Lot of that's going to be fluid.

As we work together I understand the strength of individual in the team.

And move new new boxes around in people in the into those boxes as well so.

Right, perhaps only rather than we finalized the deck and turn it over.

Add.

The roster as it stands today.

And.

And you know.

We won't put names and boxes just yet.

But in formally.

No. There there are named the boxes, we just I.

I don't want to.

Put that in concrete so to speak until I feel confident that.

Yeah that those names are placed appropriately.

Okay, Yes, Verizon over the email addresses today RF relation beginning added too.

Hey, 30 calls with as you get the 30 call for the.

A spreadsheet every night on their Espcs, Reggie and I believe era has around central team.

Hey distribution list. So as you added to that as well and they would you be will come on the project I would just maybe for their email to era. The please add to distribution lists solely on this or central team.

Yes, the way there on living if you want me.

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Hello.

I would like.

Yes, yes, I knew they are resetting jabber do and tempted to at this weekend and.

I thought I just have signed back in and then of course I went to sign back in and it wouldn't let me I was like great.

Yes.

Oh good.

We could see each other late.

Hi area.

Yes, I actually prefer that as well.

Oh yeah.

Right.

[laughter].

Yeah, no I like I like the idea.

Yes, Mike for for other business purposes, So I don't I can't do that anymore, because I never know where somebody might be calling me, but it is.

It is not to have your phone rang in less than somebody you now and and then you have the choice of dealing with it later.

So care that problem [laughter].

Yep.

Horse.

Yes.

No it is not.

Okay.

Okay.

Yeah, it's probably not specifically I'm just looking at the choices here, it's probably not.

Tied to any of these im wondering yes that is something up at this level.

So basically add something at this level for it and then the sub folders underneath of it.

Yes, Steve digital account opening.

So it's it's definitely but it's not it's not limited to digital right. It's not a digital project if you will.

Yes, and this is that isn't going on their side specifically because this initial go round is actually digital account opening for consumer banking, but eventually it will also have digital account opening for other lines of business as well.

Some pointed all actually probably be migrated into those individual line of business sites, but for now it's it's an initiative for Korea.

Pam has been signed up for and.

You've been around long enough to know that when Pam get signed up for something Waterford direct could sign up for something so.

Lucky me this on.

Thats been fell in my lab so.

The only reason on resistant.

Okay.

Yes, it's not I don't think its confidential by any means.

Got a secret and the only reason I would be.

Yes, a little bit.

Not agreeable to putting it on or acquisitions and portfolio is that's very much hard oriented and it's not hard related.

This is not a card.

Okay.

Yes.

Okay.

Yeah, Yeah, I think it's fun I don't even know that it will be.

You know that much volume of folders that again.

A few that I sent over all my email there might be a couple of others, but and it's just the way to organize to work right. Originally I thought about not even breaking it out but at some point.

There might be enough.

You know volume of content that it just makes sense to break it out a little bit to organize it better.

Yeah.

Absolutely.

Okay.

That work.

Right.

Hi.

Sure makes sense.

Uh huh.

Okay.

Well here.

He is the only challenge I have is that once again I have folks who are not in Pam zorn, who were going to need that.

And those are all the folks that are on the email that I sent over.

Yes.

Yeah at this point are the only two I'm aware of that.

Outside of pam's or that needed.

Yeah.

Okay.

I would say to all of the IPO.

Okay.

It will be fine and if that becomes evident and goes further that should be alright.

Okay.

Right.

Sounds good.

Hi.

Alright. Thanks.

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Hi, Engineering you know.

I live for the weekends like everyone else you know.

So is this.

<unk> <unk> Fallon Tim.

Okay.

Make sure I have the right person so what's going on.

Do you know what do you just surface you're talking about for her husband.

Correct.

Okay.

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His wife did member go to the same provider.

I had that her claim which is also what she has it quite frankly.

Gemini 2019.

Same bill amount same for wire services seen texadian number that claim is paid in head of never provider. So I'm confused because everything that I see here is showing that they are out of network.

Yeah, I know someone else adjust other claims because usually these are the only two claims that I have hundredish providers tax I'd number.

So do you see is December 9th I've mentioned in his for every fourth of 20.

So I guess my question is.

Have they receive your balance still for the December visit let me just double check can make sure that providers.

Yeah I'd have now.

Any claims for sure.

Sure.

Hey, let's see what I have here for prior interactions.

Weird thing is weird.

Yeah.

That way Unfortunately.

Religious tissue information there was actually very stared.

<unk> CEO.

Just two sympathy for January.

[noise] gene.

And that was denied for C D.

Confused.

Hi.

I guess I really can't just to claim I don't have these providers in network regardless of.

They're going to officially that's in networking.

I understand what they're saying.

Hey, you know any doctor who wants to generally can rent space inner facility you have got facilities, you network and bill into their own separate tax I'd number should be considered guys.

Out of network.

Sure as far as I can see declining prices correctly, just like I can see the decline for her for December nine prices correctly as well.

So there my question would be wish whether or not she was balanced build for the December 19, maybe.

She was imbalance build and there's nothing that they need to worry that.

Yeah.

Now.

Right.

Oh.

Yeah.

So it is if there is a balance I believe it I love to all for Haiti too I'm looking at hers for December 19 that how much the balances on his.

Ours.

Everything that I have you. They are listed is.

The only other suggests I have you said you speak to the provider services to say Hey, you didn't tell me that you are ahead of never provider I don't know what else do suggestions member.

Right and they were not seen in an emergency basis. It was just standard office visit that is being rendered and it does indicate that the tax I'd number I'm just providers have never provider.

Good I'm sure, they're gonna be unhappy with that but again I would just be do you have him speak to the doctor's office and say hey.

That is to believe that you were in network or maybe they build the wrong. It's the only other thing I can think.

Oh no problem is there anything else I can help me with will I mean, that's on Sammy.

Okay give us a call any time lose the pleasure huh.

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2018.

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Hey, Huh.

[laughter].

Hi, This is Mike Mike.

[noise] Scott.

Sure Matt how are you.

Good.

All right.

So I [laughter], hoping that we would have a little bit more information.

And there are lots to be a meeting on Friday, but.

Okay got canceled so.

I have a lot more.

And information in terms of.

Timing.

[music].

So.

Oh, good taking or [laughter].

I think both of you know that so far we've gotten.

Good question related to a few questions are from the Heartland development from one I think in is readily available in terms of the history of our earnings retention Atlanta.

Uh Huh Soc and there is a very broad.

Question.

In terms of treaty provisions and raised them et cetera, et cetera et cetera.

So.

I think we just we have time by.

Last week and want to thank you experience that lie.

When we talk to the corporate development flow.

Weeks ago, when they were looking for high level information.

My impression is that on the reinsurance, they're largely John I'm, not CJR and that they didn't really have a lot of understanding of reinsuring and so I think there just relying stock from element.

So why you know where and when we ask for more specifics around them.

I don't think they now [laughter].

So we just have to do the vast with what we have in what we have readily available.

Hi.

My hope is that we can leverage is as much as possible from.

Your existing documentation in particular dragging out some of the.

The information.

That we gather gone back in 2012 plan.

On current on how far the hurdle.

Great now so.

Uh huh.

The whole here.

Scott can I ask the question is it.

Sure.

It would just relating to what was gathered for the acquisition of the Hartford block.

Hey, I think touched on this last week, the able to get any additional insights there is a.

Group or a point of contact yet Mike.

No where that information what Stuart.

Or kit or even if it's still around.

Yeah, and then spend a lot of time with it but we actually do have a box.

Our share Gerard.

Okay. So.

That is maybe a jumping off point.

Layout hundred point I'll double check right here and it seems like a corporate development have everything from the data room.

Come back then.

No not balance something bad.

The M&A, how what in there basically point being bad air waiting on Nolan than to do some preliminary analysis.

To identify narrow you've left they really need what they're going to analyze [laughter] era I get hurt.

Entry level.

A block of business level.

Hi, how are you had I wasn't in my comments, but that's just I think this goes back on a conversation. He has done with them previously in terms of where where we think the blocks are there are where well blocks, we thank our material.

So you know the.

How inherent business with Korean American Flash score.

Certainly one obvious place.

On the allocated retention pool, which one has to be though [laughter] headliner.

Herm isn't asking I think though and those are a couple of obvious one.

Ali Saggy, well on selling Angie you I'll stop that flows through the Israeli at reinsurance.

Yeah.

I think it would be part of that as well as you start a move down there I think app where.

We just don't know until we got to [laughter], where.

I'm reluctant to.

Side in Teradata.

Thank you started as I have won are often has iron dramatically.

Without getting more clarification.

Sure.

I would I would agree with the fourth pools. There are three pools that you called out I'd be surprised if another tool that.

They may not call it out as a pool, but the 2000 to access just because back.

I had the majority of the print business being ceded to it so it was appropriate products, but in general it probably had some materiality to it.

Yes, I think that an another question.

Here is exactly I am assuming they're not explicitly modeling the reinsurance is my model our modeling the underlying products.

And I'm sure there's obviously.

I counted for their which or things like those agreements make things a little bit more complicated.

For sure.

Yeah. So yeah. So I mean, they picked up I mean, its hypothetically if they said it's the.

Accumulator product.

And for for US Okay. That's in the 2000 to access pool, along with probably 14 other permanent products. So it's going to be a little bit tougher to extract just accumulator, it's probably going to be here's the entire.

Right and whatever information they may be looking sort the at the pool level.

Yeah.

Okay.

Is there anything and I just started to look at it does this morning, and I'm not super familiar with the counterparty.

Right.

Based on either of you have.

Exposure experience to the counterparty reporting that is provided on the hubs for block.

Yeah.

Yes, Hey.

Other than Uh huh.

Other than I think really just about her.

Term Alan churn.

All right everything else was down a bit more.

Bucketed right here I think it's a high or some of them they alignment with pool, but a lot of it would have just done.

Yeah.

To generate pretty wide generations ago.

And my recollection.

Okay look at it yeah worried.

Right.

Okay, that's kind of my recollection.

We did it in.

Really broad Dhaka.

I think the point I think we just need to wait and see what they come back lesson.

What what tools are out there that we might be able to.

Leveraged it already has information.

Yeah. Good we.

Hi, I don't know how you know the.

We have a good.

Tracking the men that have been executed.

In 2013.

Yes.

Yes.

I guess that that'll be the national happens build upon it.

When we have so I go back in 2012.

You know, it's just not going out obviously have wide.

[music].

Anywhere.

No not I'm wondering if we change.

Wow.

<unk>.

Just building on to that sat slot related to amendments I was taking though.

At existing job age for historical retention.

And I found one that I guess.

Well across your view I would say that it although it's probably not exhausted it seems to be directionally as appropriate.

How.

Finally, I account or do we need to account for that that's point in time based on the trading.

But the captures and the potential impacts to.

We can't you.

Okay.

[noise] [noise] exactly get pretty pretty ugly trying to say on to make this out the in 2000.

To the you know.

Thanks, Jim was two and a half million for this age group and the million for this Fisher age group that that's what the treaties stinks.

But if we recaptured.

Okay.

Our retention is probably no longer that limit.

Do you do you feel feel like.

That is something we're going to has to get too or is it something that we can make general statements that no with captures conducted are executed NASCAR the.

Agreement of the Treaty may impact the overall retention.

My Hunch is Asia, I or sell a buyer I want to know exactly what retention bonus are now yeah. Yeah. That's a good quite Ed yes, Hello, it's almost an hourly pension.

Glenn.

And adding other than that.

[laughter] power the internally how retroactive.

Shang or maybe not retroactive right, Hey perspective change in what was originally.

We are sure reflect a recapture yeah when it's like how we may have.

Oh.

Yeah.

Good to Paraguayan hanging on what goes what they're focusing on yeah.

Yeah, I assume some by here yeah.

We have.

Buddy credit Roddick wary of.

Every policy or every life, where the hard hard retention is over.

You know whatever number.

Correct.

Yeah, Yeah definitely no actually there's something that done today at the $5 million, London I think that's yeah, John that's a part of production so.

Absolutely we could.

We will need to pull in some data data flow can help depending on the complexity of some of these requested.

I would anticipate some of them are gonna get quite granular.

Hi, Yes, that's a good footnote on retention.

Yeah.

And Mike My thought was.

I can tell set up a teams message for the three a blessing I'll just so you guys out there so you're looking at what I like looking at you guys may have seen within the past but is a good.

Baseline from a retention perspective.

He needs to be cleaned up et cetera, but something that we can start to think about and.

Figure out where to take it from there.

Yeah. Good idea that's on a chat and we just started hatching things that have.

Usefulness.

Yeah.

[laughter], Mike how should we thinking about your capacity over the next call a month.

Okay.

It will ebb and flow [laughter].

Depending on you know right now its.

Well it's.

Probably day somewhat limited as they're focusing on certain aspects of the project.

Our best I can say, Evan ebb and flow I mean, if.

Can I squeak out.

Five to 10 hours in a week.

I think actually on the figure out how to.

Do that so much like the easier than others.

Yes.

On the.

When you're more busy with wind, yes style, maybe like you're at 10% capacity.

Weeks that you have a little yeah here, you're not tied up maybe it.

20%, 25% something like that.

Yeah, that's unfair.

Okay.

Hi, Thank you every Sunday.

Yeah [laughter].

No that's very helpful.

So yeah, that's left I well.

Yeah.

The a decent partner for them and we'll get something on the retention Mona and Mike really all on the phone out around the recapture ours and I mean time, we can start.

Try to unleash figure yeah share some of the things that we have I found one document that I think it's pretty small.

Around things we can.

Do from a lot of what do we have off the shelf from a provision standpoint.

And Pat if you can do a little bit had digging around the.

The amendment and.

2013.

I think that Oh.

Yeah.

You said there.

Okay.

Yeah, Hi.

Yeah, Yeah yeah.

Yeah, Yeah sure we when we wouldn't have been tracking anything that.

Well.

Previously executed.

Yeah, I'm trying to remember if there was.

Yeah, Safra file on shore Hartford, where we.

I didn't even.

Limited Josh.

No I had a financial impact I'm trying to remember how we had very good yes, Sandy has a long list that needed to be done.

And.

Yeah, we what we would have picked off some of those over time.

I can't remember, we just use her last year, we just need.

Deals and out in some way and get them somewhere else.

And need of unfair right now.

Sorry.

No.

I'm not sure there's an answer yet for this question, but one thing.

What's that.

Plan to bring in as we start to get.

More detailed requests and need to pull in deferred.

Okay.

As they're trying to kind of communicate.

This initiative and pulling the like people.

[noise] NIE, yeah, I mean Joanne Sordo.

Where this week, we had done a little bit of work with ever on sort of a prior phase that was sort of characterize that as.

Uh huh.

Rob business being under strategic review I think without an audit.

Okay. So you're right I don't think it's a heavy.

Communication the higher.

Knowing what you already knows.

<unk>.

So, but yes, it's a good question yeah, we need our.

Right I'm thinking more beyond her.

Yes, there is more directly on to see.

Yeah, Yeah, and again I don't think it's anything eminent rate right now because we don't obviously, we're not good I want to be chasing goes what the once we get more information.

Mark we start to have more questions we may have to.

I'd have to reach out to folks to get their expertise and so I just want to unlock online line that and figure out how how best to message what the initiative is.

Yeah.

All right so.

We will reconvene as needed I'm not going to price.

Right Yeah right.

Probably early next week.

Well.

Probably want to refinance.

Okay.

So I'll take Glades I'll get.

I'm sorry go ahead.

Sure protect ways I'll get a and that's teams chat set out for us I'll throw out the.

Well the retention filed and I'm I'm looking at and then other than that it's just kind of cruising around to see what else might.

Might be out there that may be.

Hey prove useful.

Yeah.

Sure.

Exactly.

Okay.

Our call.

Anything else.

I'll be more questions and answers [laughter] yeah for sure.

Okay.

Thank you bye bye bye bye.

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[noise] [noise] [noise] [noise].

[noise] [noise] [noise] technology procurement frankly.

What's your number.

So I guess shipping today.

Let's look anymore.

You're welcome Mike.

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Oh agents are busy please hold.

Got it don't represent fountain style auto policy, but if I was wondering if you're modeling.

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Got it also because it sounds like its powerful palace, but if I look nothing definite leeny.

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Got it ends up isn't fountain.

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One.

So you're just going to the other life insurance company will take you out the policy what.

It's called in and Downdrafts, we just give it.

Oh, you mean.

[laughter] Herman policy is what do you feel age one plenty.

And.

You're basically never get out living here very lucky to get your payout on it.

Now well.

Oh, Yeah, it's done.

Well, a little bit more though right three dollarsnine.

Permanent all.

And.

The reality is when something is going to lock you for the rest of your line versus something lapping easier than I had years [laughter] absent additional costs associated with that would make them.

What do that.

Very good.

If you're yes definitely.

No it is definitely.

Oh.

But do you hold your other question to them just like that you know that reality or there's something going to lapping guaranteed for the rest of your life.

It's probably going to have a little bit more.

Cost associated to it than your.

Something that's only supposed to be around for 10 years right.

People get.

So you want to disposition.

Now here's a really cool thing, but I'm really hoping that you can do with permanent insurance.

Oh that little feature called Gosh.

As you I'm going to write that again right below those three dollarsnine.

Yes.

Oh you.

Uh huh.

What happens with a permanent life insurance policy I noticed local guys I'm, not saying a variable life insurance policy, a universal life insurance policy or a whole life insurance policy I'm, just using the term Herman.

As permanent covers all of those Paul.

And sometimes those and point out to the point now we got the permanent coverage. There's a lot of difference from a lot of different ways that people refer to it whether whole life or universal are variable, but we'll just all of them kind of fall under the umbrella permanent coverage. So.

Oh.

The taposh value.

Permanent.

The.

Can be used it all kind of way I wanted to really cool benefit program is that it what we call huh.

He fishing.

And I would write attack these isn't right below past.

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And the reason why not be fishing.

Hi, wages as a little bit of a side note you got it how the client that almost like the ones, but the problem there, but you always tell them that.

By the way the reason why.

Cas value inside of a life insurance policy is tax exemption is there a benefit that the government is oh, because they believe that it.

Are you able to handle the licensure because the reality is you know me Oh you indicate that.

Works I use myself as an example, you got in choose to use lock yourself not too for you but yield for me in my household on the primary burner and if something would happen for me and I didn't have life insurance My family My wife, My three kids would become.

Dependent on the government for all of their financial needs and I.

Uh huh.

Doing the right thing by putting coverage in place on myself.

If I want to you.

Herman all that being up cash value in that the government can you give me from.

Benefit for that.

Oh.

So you explain to them that you know how to value while the value and you're starting if you guide you're starting to build a really good case allied permanent injury is the better thing.

Hello, and depending on how you're going to navigate that sale.

You can maybe mention some of the way that that might be used some people use it for college savings or or retirement supplementary retirement, but we're not going to get into all of that ebay just like that you just throw it out there and then you take it away, we're not going to get involved.

Because you'll want to go down that spray ill.

Just want to kind of need it in their mind.

So going back to our East chart.

Hi.

Right right here with permanent.

I'm sure 120 years old.

But at that point I didn't know you give you the oh they come out.

It does have a larger costs associated to it like you weeks that.

Really cool feature though has value [laughter] tas value is.

[laughter].

And then here is the the big it's Pete.

Is that did all of the pays out.

100.

At the time.

If you've been paying your your premium.

I bet rule that neither.

You have a 100% chance if you're going to.

Your errors are going to pay out.

This university that yeah.

Yeah with some of our updated policy. We have you a feature that give you that.

It's called our bar right here.

And then you'd explain you know the.

All right.

You can actually give you leaving.

Yeah. So a life insurance policy that you don't have to die for you.

So a lot of fine people go through.

Very serious illnesses in their life.

Before.

Yeah.

And a lot of fine.

Having them access to additional cash.

Would really benefit them.

So HM.

Who then fill and several other company we have.

Well the are you talking to your prominent life insurance policy.

So how deal with this is a very important way that youve a guy.

To help deal where you can do all the aided aging.

You you should not be thing.

Hover long term care.

Because these are not long term care policy.

And that would be a false advertising in trouble for that.

[laughter].

But if you think will help you cover the then the associated with aging right exactly.