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dig a little bit deeper into the presentation just to start what is factoring uh in its simplest terms what factoring is is a sale of a companys accounts receivable in order to obtain working capital theres lots of types of factoring out there what verson provides is called non-recourse Full notification factoring what that means is the account debtors which is another term for the customers of our clients they are notified to pay Versant directly uh rather than paying their supplier uh and we take on the credit risk we take on the risk of non-payment from that customer so your client is getting a form of credit insurance by factoring their receivables my background is SBA lending so Im very familiar with to the terminology of lending the last bunch of years Ive been doing factoring and I find this is a good translation because I know many people on this call might be more familiar with loans than with factoring so sort of the comparable term term to loan in the factoring world is