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[Music] my favorite solution with change is settlement advocate and weve been using that for two and a half years now and it has been enlightening for us of how easy things can become when it comes to credit cards and ach 835 payment methodologies it really has been a beautiful thing so if we ever mentioned doing a change from change healthcares a settlement advocate theres an uproar in the office no youre not youre not going to change vendors so everyone in the company is very pleased with it [Music] the other parts of the settlement advocate that we find useful is they help the providers with any of their payment questions not necessarily how the claim was paid but their method of payment if they can change payments methodologies they handle all of the w9 questions and liens from the irs they also have a web portal for the providers where they can get not just our explanations of benefits they can also get any change healthcare clients that utilize that they can get those settl