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hi everyone Jack Milligan here president Selma professionals want to talk today about approved list and why approved list as promoted by casualty companies in the settlement of cases involving structured settlements are a very very bad deal for the plaintiff and by extension the plaintiff attorney the approved list means that the casualty company has an approved list of defense-oriented annuity brokers that they will work with and allow the plaintiff to work with and then this the second type of approved list is an annuity issuer approved list in essence its the companies that the the casualty company defendant will let the plane a pic from when its time to pick a company to to fund their annuity payments so let me cover the first one the approved list of brokers is paid because it it sets up a situation where the defense broker has a perhaps an exclusive arrangement or to make the approved list with the casualty company hes had to agree to help push that casualty companys agenda