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so that responsibility a given certain event so you might imagine from the lamp speaking now that the trade receiver will put it completely non-cancelable there is no option for the provider to put coverage to back out of their obligation there is no stop shipment event in a trade receivable put so its truly non-cancellable high yield and destruction into the insurance market in factoring markets tend to as credit deteriorated back off of their coverage and as a credit really deteriorates ugly thats when we start to get a dynamic of those providers canceling lines one of the interesting features of the debt capital markets they tend to be available the bottom lower markets in derivatives markets tend to be open to the credit up to the daily file for bankruptcy and because of that dynamic of our market they open for so long into the credit cycle we are able to offer coverage with the put on many names which are traditionally not covered in insurance or factoring so is so many of the d