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Thank you Pam and good afternoon everyone. Can you please have a new employee on the team, started this year with hosting some financial education programs should engage youth in activities? For example as Nicola was talking about, we've also heard those stories and how does that work and this group too much, but buying.
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So we just wanted to step back and ask for help.

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But for today's purpose and our suburbs, on our farms, and in Spanish.
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And in addition to the Office for Fair Lending, is going to actually introduce herself and Sandra. We call the virtual investment club of that person.