I know you have great energy we saw you coming in. Group. A highenergy good evening. [applause] and the Program Director here at the commonwealth. Thank you for coming tonight with the program with Charles Schwab in conversation with adam lish and ski. How many of you are members . Thank you very much if not this is a great time to join there are terrific programs coming up when there is a gentle man named billy we will bel happy to answer any questions please take a moment to turn offta your devices that could make noise and i will tell you about upcoming programs. On halloween fox news anchor brett baer will be with us. On november 12th rich lowry. Jerry rice will be with us and november 15 at noon Mary Lou Henner will talk about why she has a unique condition that allows her to remember everything in her life. Also great travel programs ask our staff about those this february take an expedition to new zealand. A lot of good stuff coming up there are question cards in your seats plea