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okay here's a five in a PowerPoint presentation that will explain the newbie star buy-sell agreement package so firstly the participants who is involved Hall the Wilcox the lawyers they're based in Melbourne they've given all the legal advice and drawn up the buy-sell agreement there's lords who are the underwriter from London and as you all know they're one of the biggest insurers in the world there's no laws were these our contact in Australia if you have an underwriting query he's the man that you'll contact and I'll explain why in a later video that you watched but Noel's the bloke that you may or may not have to speak to where called specialized insurance group with a product developer and distributor based in Melbourne there's Tim I'll stop one of the principles Angus Elliott's and there's myself as the sales manager you'll snow dust there that were all X financial planners and the whole concept behind this was about four years ago we were sitting around discussing just how diff...