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all right so were going to jump into the um where are you guys i like looking at peoples faces because i can see if youre confused or not so i got to make sure i see you all on camera okay so were going to talk about the um so this is coming from the policy provisions contract law chapter so its technically the second one we have insurance terms and related concepts and then policy provisions and contract law were going to start with that just because its just easier anyway okay so there are so we talked earlier about the elements of an insurance contract so we are doing the elements of a legal contract elements of a legal contract and ignore me if i misspell something im not the best at spelling especially when im talking out loud so just it is what it is all right so elements of a legal contract so there are four of them the first is agreement and green agreement is known as offer and acceptance offer and acceptance so agreement is known as offer and acceptance agreement is