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one of the other topics wed like to cover is dno insurance its a very big issue nowadays when you think dno insurance you might think of it in the classic sense it covers directors and officers of the company so if im sitting on the board of a company i want dnl insurance why do i want it in case some other yahoo brings me into a lawsuit and i got to deal with it i dont want my personal assets having to pay lawyers to cover that in fact im doing a favor im sitting on your board im giving you advice youre paying me some small amount of money for it but im im basically stepping up and doing trying to do something good for your company and thats why im sitting on your board so thats sort of the perspective of a board member at the same time you say you guys should buy you people should buy me insurance i need to have insurance so what do you buy you buy dno insurance director and officer insurance and thats at its core is to cover the ds and os directors and officers so yo