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all right hello this is Melissa the insurance exam Queen this is a Property and Casualty game night were going to start with General insurance or some of you have that chapter but its called Insurance terms related Concepts same same so if you are watching this um on YouTube just follow along with the game and write your own answers down so you can certainly like in a way participate um and somebody is drawing on the screen so let me I dont know how to turn that off let me see if I can find a way to turn that off disable annotations for okay all right all right so lets just go ahead and get started youll catch if you dont know what youre doing youll catch along or just follow along oh wheres my sound also I like sound an agent you now as an agent you now have authority to write contracts for customers what is where do you have that power where does that power come from Express Authority okay so there are three main types of authority that you have as an agent there is Express