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so on one side you have certain carriers there are several carriers in the marketplace that you know are like there's no way we're gonna do long term PLL's there their argument is that once you get beyond five years let me let me back up and tell you what a long term pollution legal liability policy is typically it's a ten year policy so you can buy up to ten years of coverage with one set of limits you know the premiums paid at inception or you know within 30 days of binding coverage and it's for the full 10 year term it's used quite extensively in transactional business when folks are buying and selling real estate could be a contaminated property and typically that policy over the years again sometimes driven by lender requirements contractual requirements it's been used to facilitate some of these transactions so you get to that point in the process where everybody's ready to sign on the dotted line to purchase sale or

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