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[Music] all right video number two welcome back everybody should i use the model validation notice thats a lot of words to say again as we saw in the first video we were talking about risks right and im always this are we making a decision based upon a risk and understanding thats most objective knowledge we have but we make it based out of fear so im going to come back to litigation again because from a regulatory perspective when the cfpb is led you know put out this model letter you dont have to follow the model letter again theyre just to jud this is a again creation of a safe harbor and its an opportunity for you to limit some litigation so start by asking yourself do you see a lot of lawsuits now from the validation monitor that youre sending you know so if you if youre if you are then i would say okay theyre probably on some planets radar you may want to do a change so look at you know building that model validation notice for yourself right uh second question ill be