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and one thing thatamp;#39;s very testable is the additional documentation open a margin account so you know the two basic types of accounts of Goldman Sachs is a cash account where you intend to pay in full and a margin account where you intend to pay part of the purchase price and you would like Goldman Sachs to lend you the difference right and so if youamp;#39;re going to open a margin account we need a credit agreement and thatamp;#39;s where you acknowledge that you understand youamp;#39;re borrowing money and youamp;#39;re paying interest on that loan and thatamp;#39;s mandatory now the interest we charge you is based on broker call and so this can be a very very competitive look you know so a lot of people like to borrow against their securities yeah instead of selling their Securities and paying capital gains tax right the second thing is we say youamp;#39;re pledging your securities is collateral for the loan thatamp;#39;s called the hypothecation agreement and thatam
