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hey everybody mark Flockhart here today what were going to talk about is the whole situation the epidemic and how insurance is going to handle this so Im going to give you kind of my professional advice and let you know just what the process is what we can expect and then which companies are gonna likely allow you to skip payments obviously we dont want an insurance that it wants you to just cancel your policy because at the end of the day it costs you more money to do something like that so definitely not a smart idea dont cancel your insurance yet you know we got to find out for sure whats going on with the government make sure theyre doing whatever theyre gonna do if for some weird crazy example lets just say worst case scenario they shut down the whole u.s. for the next two months and everybodys stuck at home which theyre kind of starting to show some examples of the next couple weeks theyre shutting down which is definitely devastating people as far as income goes how d