eSignature Legality for Support in European Union

How to eSign a document: e-signature legality for Support in European Union

hello everybody i hope all of you are having a good day let me extend a warm welcome to all the attendees on behalf of this webinar panel my name is rajiv and i am a product evangelist for zocai alongside me i also have abhishek a product expert from the zoho checkout team together we will be going through what joe sign offers as a digital signature solution and what zoho checkout offers as a payment collection tool i also have alongside me a few others from the zoho sign and zo checkout teams i am joined by sai anand padma priya chandra mauli mohan babu sai varun and kiran tom who will be answering all your questions during the session as abhishek and i present in this webinar we are going to briefly talk about what javasign and zoho checkout can do and then jump straight into how you can integrate the two apps and use them to collect signatures and payments at the same time i hope that by now my screen is visible and my audio is loud and clear if you experience any network disturbances or technical issues at any point during the webinar feel free to reconnect we are recording this session and you will receive a copy of the recording and the slide deck by email in a few days time at any point in the session if you feel like you have questions feel free to use the q a option in your screen to erase them a panelists are there to answer them and provide you with assistance if necessary before we dive into the webinar let's take a quick look at the agenda i'll start by introducing zoho sign and briefly talk about the app's capabilities after that abhishek will take you through what zoho checkout can offer to your business then together we will walk you through the process of getting a document signed and getting paid instantly using the zoho sign zoho checkout integration towards the end if there are any unanswered questions we can have an extended q a session to answer them it's 2022 and still every two out of three business organizations in the world continue to collect signatures using pen and paper in this already cumbersome process if you add the additional step of having to follow up with clients or customers to collect payments it just makes it even more tedious and stressful while you or your business may have already digitized the process of getting your document signed now and even collecting payments they're not they're often not streamlined or automated with the two of them being done separately it leaves a lot of business still chasing after payments and a lot of deals or sales yet to be closed or won what if i say we are here with the solution to address this the integration between zoho sign and zoho checkout will help you not only get your documents digitally signed but also get paid in the same workflow but before we take a look at that you need to understand how not using a solution like this can impact your business the pen and paper approach has its own set of inherent problems and disadvantages in addition to how cumbersome the process itself is there are also additional concerns like the fear of forgery and document tampering potential damage to documents or loss of paperwork and a huge administrative overhead in terms of expenses all of this put together makes it incredibly difficult to scale a business with market and customer growth and that's why you need to go paperless with digital signatures distance signatures are more commonly known as eSignatures or electronic signatures are nothing but a digital alternative to signing documents with inc by design they are more secure as they make use of digital signature certificates which are like digital fingerprints added to prop added to the properties of a document they can help establish the signers identity verifiably and maintain a digitally signed document's integrity by making them tamper proof sinus can also be authenticated during the signing process and thus the identity is digitally linked to the signed documents making them legally enforceable in court and that brings us to zoho sign so what does those sign offer zoo sign is a complete digital signature solution that is used by tens of thousands of businesses around the world in over 100 different countries zoosan helps you send sign and manage business paperwork using a simple yet secure cloud-based digital signing process this software has already saved business millions of dollars in administrative costs by helping them digitize their documents and contract life cycle in addition to its key functions and features zoho sign also offers some advanced features such as creating and managing templates sign forms bulk sign and in-person signing templates are very useful in situations where you have to send the documents that are frequently reused such as offer letters and nda forms to different recipients with little change in their content or format sign forms let you create a self-service digital signature process through a secure url without any coding for example if your company wants to get its social media policies signed by your new hires the human resources team can create a signed form and embed its url in your company's onboarding email for the new is to sign and submit bulk sign allows the signer to sign multiple documents in one go for the documents that have been created within the same organization given that all the documents that are to be signed have repetitive fields last but not least zosine also supports in-person signing which helps you send documents to your field agents to get documents signed using zohosin account but in face-to-face in-person meetings with clients or associates for example during sales visit in which you or your field executives are trying to get your customers signature on some documents to finalize the deal using this feature can speed up and simplify the process thereby making it a handy tool that eliminates the burden of managing and carrying hefty physical paperwork to top it all off zoo sign is entirely built on top of its own rest apis which enables you to also build custom integration with your websites and in-house apps using the api's associated web books and our sdks if you don't already use zoho sign you can click the link below to sign up for a free 14-day enterprise trial which will give you sufficient time to completely explore the app zosine is built for enhanced remote collaboration the app presently supports 12 different popular languages and also allows you to share documents and templates with your organization's users you can also organize paperwork using folders and document types and setup automatic backup to integrated cloud service providers the cosign offers custom branding options where you can add your company logo redesign and customize your email templates and establish a higher degree of trust with your signers you can also set your own custom legal disclosure send documents from your organization's email address and customize the experience of signers by redirecting them to a different web page after they have completed different document actions in terms of security you can rest assured knowing that zosine offers multi-grade encryption for all your document and data we use the aes 256 standard for encrypting and storing data in our data centers and the tls or ssl protocol when transporting data over the web zoo sign supports all levels of digital signatures and is compliant with eSignature laws and regulations in place across the globe to name a few the app complies with the e-sign act and ueta in the united states the p-i-p-e-d-a in canada e-i-s regulations in the european union the acta in the african continent the ita 2000 in india and the various electronic transaction acts across australia and southeast asia in addition we also comply with common data security and privacy regulations such as the gdpr in the european union and ccpa and hipaa in the united states our complaints across borders is supplemented by additional measures such as multi-factor authentication and the ability to generate tamper-proof completion certificates and audit trails you can authenticate user signers by sending them an otp or asking them to attach supporting documents we also offer broad verification enhancements such as blockchain based timestamping and tested document time stamping as well as personal and third-party digital signatures linked to a regional national or local digital identity this means you can use qualified electronic signatures in the european union other esign in india and other recent identities through different service providers additionally you can also make use of zoo sign to sign documents via usb hardware signatures or simply print and sign documents and re-upload scans to both digitally and physically sign them zoo sign offers all of this at a very transparent and affordable price point you can check out pricing details using the link at the bottom of the slide zoo sign has native mobile and desktop applications available across popular platforms such as android ios ipad os mac os and windows that means you can carry your paperwork wherever you go and conduct remote business in a seamless and synchronized manner across devices from anywhere at any time and on the go zoho sign is one of the most tightly integrated apps within the zoho ecosystem which is a real value addition to a stack of zoho tools so if you want documents such as sales agreement invoices and estimates to be signed across functions before they are sent out to customers you can use extensions of the respective apps like zoho crm and zoho finance similarly you can have your hr department send and sign onboarding and policy documents through apps like zoho people and zoho recruit and also do similar tasks to improve productivity across apps like zoho writer and zoho forms also we do offer third party integration with ecosystems like google workspace and microsoft 365 and with cloud providers such as dropbox box onedrive and google drive you can sign documents directly from your mailbox in outlook and gmail or the hub of your sales in hubspot or simply connect zoo sign to thousands of other web applications via platforms like zapier integrately and integromat in fact once you have set up the zoho science or checkout integration you can initiate workflows right from the interface of all these integrated applications and start collecting both signatures and payments at the same time to build transaction workflows that are completely cross-functional in nature here are the broad use cases across departments and functions where you can put zoho sign to use let's take a sales person who has just been recruited by an organization for onboarding he will need to sign various documents starting with his employment contract and an nda now once that's done he will be required to sign the organization's policy documents all of this can be easily done online using an automated workflow in zoho assign and then once he's into the organization he can go about using zoho signed from his sales app to send out documents to clients and associates to have them digitally signed and further he can raise financial documents that are signed by the respective authorities within the organization and can be delivered to the inbox of the clients directly from the zoho sign as well amidst all of this there are going to be several phases where he will be required to sign or get even more documents signed across various activities events applications and so on all of them can be done using zoo sign in conjunction with a host of other apps that help him carry out these processors from the comfort office desk or mobile device when working remotely there are several more use cases one can use raw sign for and this is barely scratching the surface in terms of what we see the app being used regularly by our customers now as i have mentioned earlier we have abhishek a product expert from the zoho checkout team with us i wish i could walk you through what zoho checkout app is all about what solutions it can offer to your business in brief over to you abhishek thank you rajiv so hi everyone i'm abhishek and i'm super excited to walk you through watch out today we'll be talking about zoho cloud its features followed by the types of businesses where zoho checkout can streamline your online payment collection and we'll also be looking at all the different integrations its watch code has to offer zoho checkout is a cloud-based payment collecting tool that lets you accept online payments through personalized payment pages and it offers scalable features to help your business grow we often hear from our users that they are underestimating how much work it will take to both build and maintain a first class payment experience so our goal with zoho checkout is to help you save time by providing a breathable solution that fits perfectly into your flow now let's look at the principles on top of which zoho checkout is built on collecting online payments is pretty straightforward while developing checkout we try to simplify the usability without compromising the functionality of the product you don't have to go through the back braking process of building your own website as checkout enables you to create a secure hosted payment page to start collecting payments instantly while having the flexibility to customize the branding the first step is to create a payment page and mark the payment page as live once you pay this live you can customize the branding ing to your style and start collecting payments it lets you accept online payments even if you don't have a website of your own once the payment pages are created and set up the link to the payment page can be shared across all the social media platforms and the url can be set as an iframe or it can be embedded directly into your website as a button while collecting payments via zoho checkout please make sure to open a merchant account in any one of the available payment gateway integrations only through which you'll be able to collect payments now without further ado let's dive into the features of supercheckout you will be able to accept online payments both one time and recurring using zoho checkout for recurring payments you will have the option to customize the billing intervals and the billing duration though over checkout supports recurring payments we currently only support one client payment collection with zoho sign but we are working on supporting recurring payments soon now let us say a customer is not satisfied with your service and wants a refund here it is possible for you to initiate a refund for this customer within the application also these refunds are processed online by the payment gateway just like all the other payments once you start collecting payments in zoho checkout you can effortlessly track all those payments through the analytics that has been provided you can monitor your revenue manage all the payments that you receive and track all the opportunities that you've lost now say a customer is requesting you to give a discount on a certain product here you can very well create coupons and set a cap on how many times a coupon can be used once the coupons are created and set up you can share the coupon code with the customers so that they can avail the discount now consider that a customer has subscribed to your service and you are getting paid monthly and for some reason the customer payment fails then the charts can automatically be retried up to three times based on your scheduled preferences you can set the number of tries after which you want to schedule each payment retry and if all the payment retries fail you can set the preference to mark those payments as cancelled or unpaid all the payment pages created using zoho checkout are ssl encrypted zoho checkout is also pca compliant so we follow all the operational standards sent by the pca standards council just to ensure that the card details provided by the customers are safe and secure so these are all the key features that are offered in search account if you are selling products through an e-commerce store or if you are an edtech business or a health club or a web development company looking for payment solutions and zoho checkout will be the most suitable payment collecting tool for you we also have customers who are religious institutions and ngos who are currently using zoho checkout to collect donations online let us say that you have completed all the prerequisites to start collecting payments now all you have got to do is to share the payment link with your customers the payment link that they are going to share is to be is going to be platform independent as in your customers or donors will be able to open the link across all the devices such as smartphones computers and tablets they are just going to need a browser to open the link and make the payment now let's look at the integrations that search about has to offer as i already mentioned to collect payments via server checkout you are required to integrate your checkout account with the payment gateway so for this purpose we have partnered with 12 plus leading payment service providers across the globe from which you can choose a payment solution based on your business requirement and create a merchant account in the gateway to start directing payments zohos account is also pre-integrated with zoho books zoho books is an online accounting software especially designed for small to medium sized businesses to manage their finances so through this integration you can seamlessly sync the customer data and the invoice data from checkout into zoho books so for each payment page in zoho checkout you can choose an income account in zoho books so that the funds always go into the right account now let's look at zoho click and slag online collaboration has become more important than ever before with zoho click on stack you can facilitate better communications with a traditional office setting or enable remote teams to work together since the teams are increasingly spread out across the world and they need an effective way of working together closely thank you for your attention so this is all about the integrations that's what chicago has to offer now rajiv will walk you through the process of integrating zoho sign and zoho checkout so giving the control back to you please stay thank you abhishek for quickly taking us through zoho checkout i am sure it will be a great app for a lot of businesses to use for collecting prompt payments and automating their customer payment cycles now we can finally get into how you can integrate javasign with zoho checkout now consider this use case you have just successfully negotiated a sales deal with a potential client in order to formalize the deal you need to have sales contract signed between you and the client and as soon as the contract is signed you want them to pay a certain percentage of the deal as an advance which is something you have already discussed and agreed upon with the client well using this integration is just perfect for such scenarios as it makes it incredibly easy to collect signatures and payments at the same time in just one flow that takes barely a few clicks and it doesn't just end there it also automatically raises an invoice for the payment and you can digitally sign it and immediately send it out leading to the deal just not being formalized but also half complete isn't that super convenient let's see how it works now do note that to set this integration up and get going there are a couple of prerequisites you must be subscribed to the enterprise plan on xosine and must also have a valid zoho checkout account with a payment gateway integrated and a payment paid setup if you are subscribed to zoho one however you wouldn't need separate licenses for the apps and you would already have access to the highest level of feature in both apps it is simply a matter of setting up the integration from year on but another thing to keep in mind is that the payment gateways listed in your zoho checkout account depend both on your subscription and the region your business operates in now let's understand how this integration basically works you would upload a document on zoho sign as you normally would send it out for signatures after setting up the workflow adding all the recipient details and so on you will eventually get to the document view page where you need to add all the necessary fields for the signers now in this step as you add the sign up fields you also add the payment field which is also assign a field itself once you add the field to the document in the background zosine automatically checks if your zo checkout account has already been configured and integrated with osi if the integration hasn't been done yet you will be asked to set up your zoh checkout account if it has been integrated you would be able to send the document out for signature from here on the signature workflow is initiated and it ends only when all the signatures have signed the document and the sign up for whom the payment field was added has made the payment successfully now allow me to show the first half of this integration in a video where i show you how to basically upload a document setup assign workflow and add the payment field along with other signer fields so as you can see here this is what our zoho sign dashboard looks like here click send for signatures this will bring you to the next step where you can upload the document from your local storage or upload it from one of the integrated cloud service providers and build out the sign workflow or document signature request so zoo sign supports all popular document file types and you can upload up to 40 files in a document signature request once you've uploaded the document if needed you can rename the document too add all your recipients their details and assign a role and language for each recipient you can choose to have the request send the documents to recipients in the order mentioned you can also add the contact details in bulk by clicking the add bulk recipient button along with this you can add and configure other details such as authentication validity reminders and so on once everything is setup click continue and you will be taken to the document viewer window over here you can find the recipient details on the top right panel and the document fields below them click each recipient and you can add the corresponding fields by dragging and dropping the fields onto document where they need to be placed however when you try to add payment field here if you haven't configured and set up your zoho checkout account you will find this pop-up that asks you to configure zoho checkout in this case just you have to click configure once you click configure you will be rewritten to a new tab where you can set up your zoho checkout account now abhishek will take you through a quick demo on how to get started with zoho checkout and setup the payment collection process through the app so i hope i will so once you're in the application you'll be asked in to fill in an onboarding form so where will you collect all your basic business details like your business name business location address and your business type so uh when you are done filling the information uh click on get started so which would take you into the application so this is a home tab so inside the home tab you'll be able to find a checklist so if you follow these simple uh steps in this checklist you'll be able to start accepting payments so it is as simple as that so as you can see the first step here is to set up a payment gateway so if you already have a merchant account in any one of the available payment gateway integrations then well and good uh you can just use those credentials to integrate uh that account with your uh zoho checkout organization or if you don't have an account kindly create one and continue with integration so for the purpose of this demo i've just used my stripe account to connect it with my second organization so since the integration is active we will move on to the next step so as you can see the next next step here is to create a first payment page so over here you will be asked to enter your basic uh details like the payment page title uh the transaction amount where you'll be able to preset the value or you can let your customers decide the payment page just ensure that you are entering the minimum amount you will also be uh asked to select uh the payment frequency which can be one time recurring or you can again you can let your customers decide during the checkout so in case your customers choose recurring you will be asked to set the recurring preferences where we'll be asking details like uh the bidding frequency the billing day and the wheeling duration so once all the essential details are filled in hit save this should create a payment page in the draft status so before marking the payment pages live you can use this preview option to actually view how your customers will view the payment page so once you're ready to start accepting payments click on mark as live so once the payment goes live payment page goes live uh you will be able to share the payment page link with your customers so you can share either side as a direct link or embed it on your website as an iframe or a button moving on to the third step which is to personalize your payment page so you can either use an existing template or create a new template and edit the same so i'm just going to go ahead and edit the default template over here so this is the template customization page where you'll be able to see that the payment page divided into six portions over here you'll be able to edit uh fields like the background image contact details billing address payment information etc so once all the customization is done you can hit save [Music] so this brings us to the next step which is just to start accepting payments so once you start accepting payments my customers all the payments that you receive will fall under the payment step so these are all the sample payments that i've received so if you click on a particular payment you will get a drill down version of the invoice details along with the transaction history moving on to the recurring payments uh so all the recurring profiles that has been created by your customers will be displayed over here so clicking on a recurring payment would give you the customer details the customer's card information and the next billing date also note that the card here is masked and you'll also get the payment history of the recurring payment um as i already told you before uh you'll be able to give discounts to your customers through the coupons tab all you have to do is to create a coupon by entering the coupon name coupon code discount type and the retention type and hit save so once the coupon is created kindly associate the coupon to the payment page and share the discount for your customers so that they can have a discount uh the net revenue tab would give you uh the analysis on the total payments that you have received uh using server checkout organization all you have to do is to select a date range and system would fetch it for you [Music] lost opportunities will give you all the payment failure that has happened associated to your organization so you'll be getting your customer details uh the reason for the failure and also other details pertaining to the failure now let's wrap up this session with the settings module so the organization profile would give you uh the basic details we've already entered during the onboarding process you can invite uh people into your organization to collaborate and work together preferences would let you edit invoice fields and let you add invoice custom fields to your invoices so you can handle recurring payments by setting up schedule preferences using the retry settings you can enable email notifications to send or receive emails based on payment related activities so the whole checkout will allow you to backup your data all you have to do is to click on backup your data and the download link will be sent to your email [Music] so let me quickly uh summarize the features of server checkout so using soho checkout you can receive one off and recreate payments securely through customizable payment basis you can give discounts to your customers initiate refunds within the application and handle recurring payment failures using the running feature so thank you now rajiv will take it from here over to rajiv thank you for the detailed walkthrough abhishek before we go further with the session please note that since the integration deals with payments and therefore involves entering sensitive information i will use screenshots to explain further steps once you are done configuring zoho checkout revisit the document signer request you are setting up in zoho sign and go back to the document viewer tab now a pop-up similar to the one before opens up and asks you to verify that your zoho checkout app has been set up properly if your zoho checkout app has been configured properly you will be allowed to send the document out however in this step there are some important points to be noted so this is what your document your page looks if zoho checkout has been set up and configuration has been verified within josiah you first have to redrag and drop the payment field into the document again choose the recipient that needs to make the payment in case of multiple recipients and select the decide payment page in case you have multiple pages live or active in zoho checkout fill in the amount field with the payment amount that your recipient needs to pay this is mandatory and cannot be left blank also please note that only one payment field can be added per document irrespective of the number of recipients and as of now zoo sign only supports the collection of one-time payments via zoho checkout all right now let's see what the recipient experiences when they are signing the document on their end the recipient receives the document signature request along with the signing link on the email inbox as they normally would when the document is sent to them from zoho sign after they agree to the legal disclosure and the terms of the document they go about filling in all the sign of fields once they finish filling in all the fillable fields they have to click pay and finish which will bring up this popup prompting them to make the payment to finish the signing process here they must click make payment and this redirects them to the payment page you are set up on zoho checkout where they can enter their payment details and complete making the payment once the payment process has been successfully completed you will find the same message as you can see here following which you will be automatically redirected back to zoho sign where your signature completion status on the document is displayed now let's see how you can monitor all these payment transactions and verify their status inside zoho checkout you can visit the payment pages module and you can find all the payment pages that you have created along with the total amounts that have been collected through them individually when you click when you select and click on your desired payment page in this module you can find a detailed list of all the transactions that have taken place through the selected page and the status of each of these transactions and just like how you were able to verify the transaction details that took place via your payment page in zoho checkout you can do the minimal version of the same in zoho sign too to do that just click on the documents tab from the left navigation pane and open the desired document for which you want to check the status of the payment transaction inside the document's detailed view as highlighted here you can find the recipient who did the transaction along with the transaction amount and the payment gateways transaction id the same details can also be found in the signed or computer document certificate of completion which is a supplementary legal document provided by zosine to acknowledge and testify that the signature and payment collection took place and that they were facilitated by zoo sign this can be produced in court along with the signed document to prove the details of the signing if necessary one quick and really convenient thing that needs to be mentioned here is that whenever a payment is collected through zoho checkout an invoice corresponding to that payment will automatically be raised and stored under the payments module in zoho checkout however you'd be glad to know that zoho checkout and zoho books are internally connected and all the invoices from zoho checkout will automatically be synced under the invoices module in your zoho accounts book as you can see on the screen right now also if you have synced your zoho crm invoice module with books through custom functions the same will be reflected in zoho crm with associated contact deal and account additionally if you have set up your zoho books account in such a way that it has also been integrated with zoho sign this allows you to digitally sign the invoice raised from the payment collected by azure checkout and send it out to the customer directly from within zoho books so this is how you can get your documents signed and get paid instantly with the zoho sign zoho checkout integration before we conclude here are some of the upcoming features that we plan to roll out soon in zoo sign this includes more integrated third-party digital signature services such as qualified electronic signatures via infosuch in the european union and he signed for singapore via sync pass digital signatures for south africa via trust factory and secure sign-on authentication in the european union via eu eid we will also be supporting usb signatures which are presently only available on a windows app across other platforms too such as mac os linux and from standard web browsers additionally we are also coming up with this fine grade administrative controls that allows you to dictate the sinus experience to be complained under the 21 cfr part 11 fta regulations in the united states so watch out for these releases soon apart from the features i just mentioned we are also adding many more integrations with our other zoho applications such as zoho directory a secure platform for workforce identity and access management we also have third-party integrations in the works with applications such as salesforce pipedrive sap and microsoft power automate here are some important urls to get started with javasign if you're stuck at any point while setting up your xosin account you can always find related help docs in the first link we also have individual links for solutions guide integrations and api guide we also have a very own youtube channel and video repository where we upload all webinar recordings along with how-to videos for all our native applications if you have any other queries ideas or want to engage in discussions with the community of developers and users you can visit our forums and participate i have also given the links for you to read up on the legality of zoho sign in your country its pricing and request a personalized demo for your organization here are some similar important urls and links to resources for zoho checkout for any questions that you might have about setting up the app you can refer to their detailed faq section and to find out more about the various payment gateway integrations they have and how to and how you can set them up you can visit their add-ons section and read up they do have a forum for user discussions where you can post ideas queries and or seek assistance from their community of users and support engineers to know more about their pricing plans you can check out their pricing page and learn what suits your business the best we are available to answer all your queries and are always open to feedback as well as suggestions that could help us enhance and improve our services in case you want to get in touch with us you can always reach us by dropping an email at support zooscience.com in the case of zoho sign or support zoo checkout.com for zoho checkout you can also visit our social media pages for our latest announcements on product updates and upcoming releases and webinars feel free to comment on a post or dm us there to engage with us if you are a social bug looks like my colleagues have have already been answering all your questions as i was presenting but before i wrap up let's see if there are any further questions or if there's any follow-up to the questions we have already answered okay we have a series of questions that have been answered by our panelists right now so here's a question that's been asked by yasin uh sorry as in as of now with regards to our integration as you saw earlier we get both the payments as well as the document sign in the same workflow and not in the other way wrong but you could drop a mail to support at josiah.com with your use case and we could come up with a solution for that hi sarah so basically uh for the free edition of zoho checkout you will be given only stripe but based on your geographical location and the addition that you are in zoho checkout the payment gateways may vary so if you have any more questions or any other use case regarding this feel free to drop a mail to support at zoho checkout.com and we will get that sorted hi manuel you need not have a zoho sign account to sign the documents or make a payment using this integration hi xiaomi this integration that we saw earlier will come in handy if you want to collect payments as well as get the document signed individually in the same workflow but if you are there only to collect the payments set up a payment gateway and a payment page in zoho checkout and that will help with your use case my colleagues have been answering all your questions we will have this session up and running for another couple of minutes so if you have any more doubts or suggestions or questions please free to raise the questions from the question tab that you can see on the session hi asean there are some parameters that are missing from your question so could you drop a mail to support zohocheckout.com by elaborating the use case that you want a solution for and our team of tech support engineers will come up with the right solution for your need great i think we have answered all our questions and we can wrap up the session for today with that thank you all for participating i hope you had a lot to learn and take away from this webinar do watch out for future webinars and join us to learn more until then this is rajiv and abhishek taking leave on behalf of the entire panel take care and have a great day