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[Music] like to thank you for joining me for this section talking about using life insurance to fund the buy sell agreement i think this is an area that we you know kind of gets overlooked in the buy cell uh planning and if you start looking at how do we you know utilize life insurance and why do we use life insurance i think part of the big big issue here is when we get into the discussion of how are we going to pay for a departing partner how is that going to be you know basically this is where the cash flow is going to be leaving either the business or it's going to be paid out by the surviving partner whatever that is we need to make sure that we're using the cash in in the best way possible part of the problem that we come across is you know we really don't have a crystal ball so the buy sell agreement can be triggered today could be triggered 20 30 years from now whatever that is and whenever that timing happens we could really get different answers on what the best method would...