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hi everybody the next part of the program were going to be covering the carry-back of a universal life policy one of the things its important when youre doing a carry back and youre going over their existing policy is that you make sure the client really understands the way that their current program works what that does its going to motivate them to make the change if they dont really understand it if they dont see how it detrimental it is to them then theyre not going to want to make the change so youre going to see me go into a lot of detail may seem like a lot of detail but its better to have a lot of detail upfront make sure they understand it that will also help your persistency dramatically I promise you that youre not going to have people charging back youre not going to have an issue with that the better the client understands what they currently own and why they need to change hi guys good to see you again Ive come back I take it had a chance to look at your view