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[Music] yeah let's take a look at a really complicated topic called business protection insurance which a lot of delegates on courses get really wrapped up about the whole point behind and i've populated this already by the way to make make the graphics easier for you to understand the whole point behind business protection insurance is that you have a company a partnership say for example solicitors or architects and they need to protect each other against one of them dying so you affect business protection insurance so there's three different types of arrangements what happens when a business is set up a partnership is set up they must adhere to one of these arrangements can be automatic accrual buy and sell or cross-option horrible terminology and you need to understand what happens here where insurance can come in and i'll describe all three quickly with my graphics for you as you can see here the automatic accrual involves to start with so let's just suppose to split this off for...