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okay so todays webinar is going to be going over the 125 this form is the form that that is sent in with all applications and all commercial and submissions now one thing that I want to clarify is through access plus we dont accept the BOP 160 form and the reason why is because even though youd think that you know it says Bop all BOP should be covered unfortunately it doesnt have enough information on there what happens is we always end up getting more questions that we have to ask and then just takes a lot longer to go back and forth with the agent to get all the questions asked so what we do is we actually always complete the 125 in fact Ive even created a little email that Im willing to send anyone whos interested in it just send me an email if youd youd like to get it but what I did was I put together in a chord form guide here where it just basically says on the commercial application you always fill out the 125 and then you just add the line of business that you also