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[Music] all right you read that f and g allows up to a nine to one term to base seems to have good caps based on that i would think it could be structured to perform well what are your thoughts on it compared to allianz or nlg so traditionally i do like f and g theyre one of the top carriers when it comes to having higher caps on their index options theyre not quite as highly rated of a carrier as say ellen nlg or allianz fng has been basically a b rated as far as the credit companies go moodys um those guys b b plus double bs whatever whatever the top whatever the b ratings are its not in the top rating i think they might have snuck up into one of the a or a minus categories so its not bad i mean for the most part um its still a quality company right i mean not really not really at risk of of going out of business which is which is definitely concerned when youre looking at having a carrier that has to be in business and is obligated to pay you a lot of money down the road at