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So tell us something interesting Gigi I don't think this is a secret for most people who know me, but I am a rabid birder, so I'm the person who drives along and pulls over and says there's a red-tailed hawk, so that's that's me that's probably, and I'm a foodie I love to cook I love to feed people it's by way of showing people love the national car unit foundation, and I'm really honored to lead that effort it's the philanthropic arm for credit unions, and we ignite inspire and respond, and I know will talk more about what those three categories mean but also to echo what Chuck said we can't thank you enough for spending part of your day with us and thank Bob and the team for inviting us, and thank you for moderating it's really an honor to partner with you to mutual absolutely thank you so each of your organization plays a unique role in our credit union movement in our system, so I'd like for you to share with everybody really what your organization's mission is what you're doing for credit unions and how you're connected with us here at Kenya mutual, so Gigi would you like to start sure I'm happy to, so our mission is to be a catalyst to improve people's financial lives through credit unions and so if you want to think of our my wonderful brother Marc Meyer from Famine as sort of you think of that as the head in terms of thinking of the research and scouting out issues I think the foundation really is kind of the heart, so I mentioned that we have three particular things that we do three pillars of work the first one is to ignite and that's really to ignite people's including your passion around consumer financial health and making sure that people can achieve the dreams and goals that they have around their financial lives, and I'm sure you've heard them before, but there are a lot of scary statistics out there around people's financial lives probably the biggest one that shocks people are that seventy-eight percent of us live paycheck to paycheck and that means that there is no slack in financial lives so when something bad happens it's really hard for people to recover, so it's part of the work of the foundation with the generous support Union mutual is to help people understand that to help credit union professionals understand that and to be able to do something and the roles that they have whether that's consumer facing or not you all touch consumers you all touch Gigi Highland credit union member and how do you make sure that her financial life is as successful as it possibly can be the second pillar of our work is to inspire, and it's to inspire people around the co-operative values Jim mentioned our cooperative superpowers and this is all about the fact that we all work for credit unions we don't work for payday lenders we don't work for Chase we don't work for title lenders or buy here pay we work for credit unions and that makes a difference there are values and principles that are associated with a not-for-profit cooperative...
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