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[Music] hi Im Joe Denver general counsel for the elite family of companies and the director of claims for the internachi RPG insurance program today were going to talk a little bit about contracts more specifically about clauses that should be in your contracts now the primary tool we use in this regard is a limitation of liability clause and what that means is that youre asking your client to agree that if they have any claim related to your work that any damages available to them would be capped at the cost of the services that you provided these clauses are very effective but theyre only good in states that allow us to use them right now about half of the states in the United States allow us to use these clauses in the contract other reasons they may not be enforced relate to unconscionability and and what that really means is is the deal so unfair to your client that the court has to step in and change the terms of your contract another factor that can play into this is whether