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congratulations on your accepted offer now that you've successfully entered escrow the next couple of weeks will be inundated with a lot of documentation that you're going to have to review first and foremost will be these initial disclosures and I know that they're the most confusing part of the whole entire process because everything else is quite transparent but these initial disclosures are very very challenging to understand they change in the law and starting in January 2010 these new disclosures are now being sent out and so I wanted to take a few minutes to go through it with you in person so that you can understand a little bit better what you are signing and looking at first which is just your initial cover page it just explains to you that you can send these back either to the compliance Department right there fax them back or mail them back the preferred process of course is if you can email them back or fax them back to us you're welcome to send it back to myself Sean or A

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