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did a little bit deeper into the presentation just to start what is factoring in its simplest terms what factoring is is the sale of a company's accounts receivable in order to obtain working capital there's lots of types of factoring out there what verse and provides is called non-recourse full notification factoring what that means is the account debtors which is another term for the customers of our clients they are notified to pay versus directly rather than paying their supplier and we take on the credit risk we take on the risk of non-payment from that customer so your client is getting a form of credit insurance by factoring their receivables my background is SBA lending so I'm very familiar with to the terminology of lending the last bunch of years I've been doing factoring if I'm this is a good translation sin of many people on this call might be more familiar with loans than with factoring so sort of the comparable term to loan in the factoring world is a factoring facility...