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hi its paul from cca and today were going to talk about one of our loan agreements being the continuous line of credit loan agreement now this is actually a new loan agreement which isnt available anywhere else and its come about through uh an article that was produced by one of the one of the major credit card companies uh in which the the major credit card cited that the average smaller sme business spends around 60 to 80 000 worth of company expenses per year on their personal credit cards these payments of course are then reimbursed uh by the company onto the uh its normally the director of the owners credit card but unfortunately in the process of doing this uh the business owner or the director of the business has left left themselves open to huge liability since the introduction of the ppsa legislation [Music] now we do have a number of videos on the ppsa so im not going to go too much into that because i dont want to you know theyre there in a lot of detail elsewhere b