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[Music] [Applause] [Music] so this is an interesting topic now we will learn today merging and splitting account uh so yeah we will learn all these functionality how do we do the account split um spin merge how do we copy data from one policy to another policy how do we split uh two different policy how do we join two different not join but how do we merge two different policies how do we move and rewrite policies between accounts so these things you will learn the other polycentric specific features and well see one by one how this how this works in policy center so there are three functionalities basically um in policy center accounts split account spin and merge so what has been what is split in spin and merge so split generally it happens uh um it occurs when a couple lets say i mean um its a situation when uh i mean you have a joint account okay joint account mean thats a um husband and wife okay and husband is the is a primary name insured and wife is a additional laymans s