We also want to thank barnes noble for allowing us to be here with all of you. John obrien is the founder, chairman ceo of operation hope, the largest Nonprofit Organization in the United States focusing on Financial Inclusion and empowerment, serving over 3. 6 million youth and adults since 1982. He is also the chairman and ceo of the frank Group Ventures and the promised homes company, the largest forprofit minority controlled owners for singlefamily Residential Rental homes in the United States. In addition to that, he was recently named by american magazine for the 2016 innovator of the year and hes also served the last five United States president s has a counseling, as a counselor and advisor for all of them. We are very excited to have him this afternoon and we look forward to a great conversation and book signing featuring his latest bestseller the memo. Without further ado i would like to invite and introduce all of you too chairman, founder, ceo john obrien at this time, and