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[Music] MassMutual is a leader in the funding agreement business for a few reasons really our high Financial ratings and our long history of stability weve had over 170 years of stability really theres no coincidence to that when our institutional investors are coming to us they often seek unique and customized Solutions so they may be looking for a fixed solution they may be looking for something that is a floating rate solution and were able to offer both were also able to work with those institutional investors for the length of the investment that they need [Music]