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a frequent type contract that many service oriented clients might have would be time and materials we're gonna acquire supplies our services and I think most of our clients that we've had their service providers rather than providing widgets we use direct labor-hours using loaded labor rates if you're not familiar with the term loaded labor rate loaded labor rates are let's say a guy makes $10 an hour okay you are gonna pay him $10 an hour but you have a lot of indirect costs that you want to recoup so loaded labor rates would be in excess of the basic labor rate that you're paying the individual so it's a percentage extra that's added on to what that individual is going to be paid to cover all the indirect costs that you could incur and if there's if it's a TM there's materials materials are reimbursed and proposed at costs there in most cases that you can there are times where you can negotiate to get GNA added on to your materials the TNM rates are fixed but the hours are not fixed...