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hey everyone its Janet Allen with Republic Title and today I am here with Charles Kramer Council two Republic Title and former chairman of the broker lawyer committee at the Texas Real Estate Commission right Charles thats right okay and today were here to talk about the changes that are upcoming on the Trek one to four single-family contract maybe a couple of others too but the most important ones that we want to discuss with you today what would you say would be the biggest change on the contract this this coming up the biggest one that agents are going to see is in paragraph 3A paragraph 3A has language that revises it to make it clear that a cash offer is truly a cash offer and that there is no financing or contingency on any sale if that is the case if you are going to submit an offer thats contingent on financing we have an extra box in the third party financing addendum to allow for hard money loans and hard money financing so thats going to change things tremendously in o