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I've got everybody on mute which is a little disadvantage for me because I can't hear what you're saying so there's a little chat box down there that if you'll just type in your questions because if you have questions I certainly want to address those when you have your question if I could hear everybody then everybody could hear everybody and it would be a cacophony of sound and it wouldn't work very well at all this morning we're going to be talking about buy-sell agreements this is basics a lot of you already know this it's not new information but it never hurts to go over again because there's a great deal of opportunity not only to make sales but to make friends in doing the buy-sell agreements besides that people expect you to know that how to do this so let's talk about it well maybe then maybe not there are two basic types of buy-sell agreements one is where the company buys the interest of the departed owner now I feed the part of the owner because sometimes we forget that th...
