This presentation focuses next turns to a review of fundamentals of credit documentation and covenants where we hope for your participation but will give no assignments.  Presented by Kenneth Riaz, Senior Director Leveraged Finance, Fitch Solutions, Bridget Marsh, Executive Vice President –General Counsel, LSTA, Jessica Reiss, Head of US Leveraged Loan Research, Covenant Review, A Fitch Solutions Service and Tess Virmani, Deputy General Counsel & EVP –Public Policy, Head of ESG, LSTA.