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okay how many people have actually conducted a closing tonight okay so there's there's a fair amount of you so a lot of the information that you've already seen in your pamphlets is pretty basic knowledge but as I attend closings and it's of the first time for a lot of attorneys doing these these closings I try to hit the highlights and most important issues that seems to cause a lot of commotion and disallow the closing from being as smoothly as it can possibly go you guys have probably been in closings of that nature where they have asked their their attorney that's done their will or I know a friend down the street he may practice criminal law and they want them to handle the closing and it's difficult because a lot of the regulations that we encounter in the banking and mortgage industry are changing which seems like on a monthly basis a lot of the main documents that you'll see don't change but there's some key terms that I want to highlight and make you aware of as we go through

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