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thank you so much for the introduction um im very excited to uh to be presenting here this is uh this is like really a great opportunity uh um and im very much looking forward uh uh the the session um especially looking for central stock actually so im glad to be going first um so what i want to talk uh today about is a topic that is uh close and dear to my heart and that somehow 2020 and the unfortunate sequence of events that weve seen have kind of brought to the forefront i think of everybodys mind and thats the ability a firm to actually actually access credit uh when they have trouble with their operations and specifically what i want to talk about today is the difference between small and large terms so in the title im talking about the firm size distribution we kind of probably have an understanding that small and large firms are in very you know they face very different constraints um typically these type these firms are studied very separately uh youll read an article