is is it a legal to have an unlicensed agent and to that the authorities are emphatically it is not legal statutes nevada law black letter law goes back a hundred years it simply is not ok to sell insurance without a license course we turn as a member of the public your argument that had we had a licensed insurance agent i don't stand this may not be strictly relevant but maybe this is what you're trying to bring in with your equitable argument that we have we had that license which she was not it was unfair one questions why he would go out of state to find an insurance agent that is filled with insurance agents there's plenty of them who would have been good qualified local people who could have put her into good investment and in hindsight it has been she's lost her home to gambling debts part of her jewelry began only gets this new drilling she has is giving her two thousand dollars a month for the rest of her life if she dies before twenty years the remainder of that goes to the kids that she has and for life if she apply is similar to me coming before the court and not licensed here i sent a notification the court saying i'm not licensed but i'm applying right away and by today i have my license and i'm but i'm i'm hearing here today mr fourteen so i don't have a arguably validating any argument that they might have and the policy says you have ten days from august twenty fifth two thousand to void it it's not even a contract that when you have ten days they have to have the kember fifth they don't do it it becomes a folding it's a con contractor's license case which is even the fact that they allowed it in the days of the west coast holding where it involved the contract first somebody come in do contracting work he get the money that well this cases are there's already been forty two payments of two thousand dollars forty two months of payments to the plaintiff that's been paid out in this w case which i think even if there was going to be a point where you want to maybe go all the way of not allowing a contract would be in the contractor's cases where construction can be performed shoddy or not and then you want to have license contractors her here you go here's your money back but that's not in the best interest of the public and especially the plaintiff in this case and what may or may not be available now is irrelevant plaintiff had her counsel who is qualified  gets two thousand dollars per month for her life if she lives to jesus i forget what she said fifty five if she lived to be a hundred she gets twenty two thousand dollars per month or one hundred twenty so you get that until she dies if she dies the for twenty few thousand dollars for life that cannot be assigned we want this the nobody based on representation from counsel this is in her best interest and they go here's an application so i think those issues were addressed at the interest rates and what things were addressed by her counsel who was that the insurance company itself sent him a memo an e mail saying a license get yourself a license months a gun by then there was no substantial compliance at all here he didn't turn even try to get a license right away and you know he had of course the black