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[Music] all right so 12 pm we're getting started right on time um yeah thank you everyone for joining um welcome to another NJ thrives webinar um I've actually haven't been haven't hosted one in a while so if I'm Rusty please you know forgive me um so yeah this is um another weekly webinar um where we create uh some value for you and we help business owners in New Jersey start grow and Thrive so I'm your host Christi Bardo um but we'll skip that because we have more important guests out here uh for today uh but before we get into our guests um just want to explain a little bit about the nbdc if you don't know what we do so basically we are a Statewide program we're powered by the SBA and njpac and other partners and basically they help us help small businesses like you with three things so we have no cost small business Consulting training and events that start at zero dollars just like this one you didn't

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