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we gave it but we were just interested welcome back right quote studio today we have got two fine gentlemen in from risk placement services otherwise known as rps we've got tony hill and mike gallagher thank you guys so much for joining us thanks for having us yes we made a little trip down from denver and how was how is traffic on that nice new interstate that's been freshly redone just lovely lovely so let's get right to it today i know we want to talk about what an e s carrier is and how are you guys different from a standard carrier so let's hop right into that sure i'll take that one the the ens carrier is different from a standard carrier in that they will accept more risks they will underwrite more risks so for example a landscape company landscaping company maybe we'll we'll just do just the landscape gardening but then they want to do snow removal um so that's where that ens carrier a lot of your admitted carriers like the hartfords of the world the travelers of the world the

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