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so rob one of the essential functions that we perform on behalf of our clients here at benchmark is issue certificates can you tell me what a certificate is and why it's important to our clients yes a certificate is simply an evidence of the liability policies that our client may have generally it consists of general liability auto liability and workers comp and what does our what do our clients generally need to give us in order for us to issue that certificate appropriately it's important that we get a chance to review any written agreement or contract that our client may have entered into that requires either a certificate or our ability to name a third party as an additional shirt as a result of that agreement so we're not being nosy we just like to review those contracts to understand what obligations our clients are putting forth it's very important because we have our choice of additional insured endorsements to use and some of them may incur additional costs when we don't real...