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thank you so now if youamp;#39;re on the other side of the payment um so you have foreign entities that are receiving payments there are some traps for the unwary there too and the biggest hottest issues that we see are things like cash pooling because physical cash pulling all of a sudden has implications of bank and and there are a lot of companies with physical cash pooling that are set up for Pure Pure commercial purposes that would never imagine themselves as Banks even though they know that thereamp;#39;s an internal cash deployment function there if youamp;#39;re a bank youamp;#39;re sitting right there with the other banks that are on the hot seat for reporting and for doing docHub due diligence and although as an internal entity youamp;#39;re reporting and compliance would be a lot lower in terms of burden and resource constraints and how much hassle is this going to take you every year to do um itamp;#39;s really not a great place to be and as I said for a lot of n