How Can I Help?

Loretta, if you'll come on and step in at this point. It's great to see everybody and looking forward to hearing your questions. If you'd like to submit a question, please do so via the chat box to everyone rather than privately to the moderators. Once your dialogue is finished, a moderator will read your mic. Also please keep the same zoom in to what I recall.If your camera is off at the time, please turn it on.