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hi my name is patty Hersh Im a senior editor at marketplace today I want to talk about collateral calls a lot of people have written and phoned in asking us why it is that AIG has funneled so much taxpayer money to companies like Goldman Sachs and other banks and because of their credit default swaps theres CVS and the real reason is because of this collateral call issue or thats certainly one very big reason so lets say lets address that a little bit test my spelling first by getting this up on the board and Im writing this up because its cause because it basically this this gives us a good idea of what the issue is its a call a phone call made about collateral kind of like a margin call quite similar to that and it all centers around as I said the the credit default swap so lets look at our players we have our we have Sam here okay and Sam has got a five million dollar chunk of General Motors bombs okay which he wants to insure so he looks around and he finds AIG and he dec