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[Music] so the first captive that I ever actually set up uh or brought to risk management advisors was before I was part of risk management advisors and a friend of mine was in a fast-growing self-storage business accumulating properties at a rapid pace and one year he he came up to me he said God you know theres this renters program and theyre giving me a 25 percent uh rebate on every business all the business that we send to them if theyre and he said to me goes if theyre sending me 25 how much profit is really in this so I that was my first introduction to risk management advisors was bringing that over to Jared and Wes and uh and they were able to put together whats called a tenant protection plan and the tenant protection plan was a way for them to offer a benefit to the tenants uh that if something were to happen to you know their unit and what was being held inside of it there was three different options and get a two thousand three thousand or five thousand dollar benefit