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good afternoon welcome to issues and ideas forum put together by the Mackinac Center and we're all glad you can be with us today also welcome to our people who are watching the stream of this event it's streaming on our website at Mackinac RG and for those of you who are here today or anyone who's interested this is being recorded and so you can watch it or share it with a friend after the event is over my name is Michael Van Beek I'm the director of research at the Mackinac Center we want to thank auto-owners Insurance for sponsoring this event they sponsor these issues and ideas forums that we host in Lansing on a regular basis so thank you to to them for their support of these events before we get started just a little word about the procedure here we have three panelists today who will hear from I'll introduce all of them at once and then they will each present for about five to eight minutes and at the end of that we'll have time for Q&A if you have a question we ask that you

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