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hello and welcome to credit matters tv i am sharif madavian a managing director in the u.s rmbs group at standard poor's and today i will be discussing an article that just came out yesterday on june 23rd and the subject of the article was representations and warranties considerations for u.s rmbs transactions and with me is jack khan an analytical manager in the u.s rmbs group welcome jack thank you thanks for being here and i want to ask you a little bit about the article that came out yesterday because talking about representations and warranties is not new for the u.s rmbs group i know that there were publications in 2012 and then 2013 on the subjects i believe of sunset provisions which are time limits under which investors have restrictions on when they can access rep and warrant remedies but the new one talks about new entrants in the rmbs market can you give us a little a bit of an overview about the article sure well the reason why we wanted to publish on this now is because r

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