vice president zvanski, prese commissioner cremens, present. supervisor dorsey, present.ward, here.ssioner sass, here. commlswe have quorum. >> thank you. we will take item 11, please. >> item annual benefit contracts market evaluation and assessment.discussion item andprinted by contract manager michael visconti. >> welcome. >> thank r you holly. thank you president hao. michael visconti, manager for the san today we'll present on the annual benefit consideration and market evaluation as well as our announcement of a upcoming rpf we are planning for life and disability. this presentation will be parts. i will begin going through our current plans and benets purview, we will transition to approach to assessing the individual plans which happens throughoutmore ernest way this year between the then a recap of the powerful tools you are all familiar with and we use to insure our excellent benefits and make sure they are sustainable year over year. after that, we will announce what we in the fall which is release rflife and disability benefit and transition to partner mike clarke from