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[Music] hey guys dave here with postal benefits i have a video that i hope a lot of you can use and im gonna make it short this is for understanding furs in five minutes okay so were going to move a little quick but im trying to give you some high level stuff that you can use to help make some decisions uh obviously none of this replaces coming to a seminar uh or sitting down with one of our trainers and going over your specific situation but in my opinion after doing this 14 years i got a pretty good knack for just you know boiling it down real simple so the good old boy from arkansas originally can can understand it and ill tell you im no academic i just have done this for a long time so thats all im using is my uh my credibility here been have thousands of conversations with you guys so lets talk about it i do have a little bit of notes because i know its a lot of information so the first thing i want to kind of cover is the the big picture of of what furs is so what can w