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so with that lets jump right into it these are your your presenters and panelists for the day and theres the outline Im gonna move and lets get right into the first part into the the part a and the level of disclosure B there are three things here and Ron had touched on this and this is where are you reporting the the corporate governance is it coming from the ultimate controlling parent in the intermediate holding company the actual insurance company so for Mutuals this is going to apply to less unless youre in a mutual holding company system for stock insurers court certainly can apply a little bit more often and the important consideration here theres no theres a couple of things to think about the wreck the the form actually talks about how to determine the level of disclosure level which company at risk appetite is determined earnings capital etc etc Im going to give you the practical takeaway for this if you are in a holding company system and you have the ability to say