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deposit alternatives and disputes an interesting one so be really good to get you guyss views on this with all your experience deposit placement insurance specifically has gained a lot of traction this year some agents are understandably apprehensive its a new product but what are the benefits and risks you guys see of offering this product so yeah I mean I just its more luck than judgment obviously weve launched our own own oma product for deposit replacement which monthly and we look at the tenant journey you know I think that the end of the day it all comes down to the landlord does the landlord agree with the at the agents proposal the tenant proposals take a no deposit replacement okay some landlords will but some nanos think you know what I want the money in the bank all beer I used to charge eight weeks when or two months rent now its only five weeks pay and then there could be an argument now actually and the turn afford to pay the deposit you know is that one pound of it