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4D-Cryo

£8,000.00£8,500.00 exc. VAT

The 4D-Cryo is a next-generation, combined flat plate cryogenic lipolysis (some people refer to this as a “fat freezing machine”) and EMS platform, generating immediate inch loss results during treatment.

The 4D-Cryo brings together the latest advancements in non-invasive aesthetics to deliver a truly unique capability.  The Cryogenic Lipolysis function of this amazing fat freezing machine is an incredible non-invasive, inch loss, fat removal and contouring process, developed and proven by scientists at Harvard Medical School, which is brought to you in a new, more comfortable and effective form by the 4D-Cryo platform, in conjunction with proven Electro-Mechanical Stimulation (EMS) technology, to deliver ground-breaking results that will amaze your customers.

Central to our overall mindset at PureGenex, we have developed the technology alongside our proven training methods and treatment protocols to deliver faster, better results, higher value profits and rapid return on investment!

This ingenious fat freezing machine delivers four Cryogenic Lipolysis, also known as “Fat Freezing”, treatment “paddles” in one powerful, compact and high quality platform.  These treatment paddles can be used cooperatively for coverage of entire areas of the body (e.g. abdomen) in a single treatmetn session, or separately to deliver faster and more effective treatments on smaller areas of the body than you can achieve with any other platform.

Adding to the CryoGenic Lipolysis functions, the 4D-Cryo also delivers powerful Electro-Mechanical Stimulation (EMS) technology, further increasing the inch loss and body shaping treatment capabilities of this powerful platform.

Faster treatment times improves customer satisfaction, meaning increased referrals and more repeat custom, whilst also increasing your client throughput, for improved cost efficiency. Indeed, Fat Freezing inch loss is recognised as one of the most effective technologies available today for non-invasive inch loss.

You may be wondering, “What is Cryogenic Lipolysis”?  This is the correct and full medical term to describe the Fat Freezing process we apply with our 4D-Cryo treatments. The more commonly referred to term of “Cryolipolysis” is an acronym (abbreviated version) of this correct medical term and has been registered as a trademark by the manufacturers of the Coolsculpting technology, Zeltiq Inc. In order to avoid confusion and ensure the correct terminology is used, we will always refer to Cryolipolysis by its full and correct name, “Cryogenic Lipolysis”.

The 4D-Cryo cryogenic lipolysis paddles implement a process known as “thermal shock”, whereby the treatment area is first warmed, increasing blood flow in the area and softening the adipocyte tissue, then controlled cooling removes heat from the tissue causing ice crystals to form within the cells, breaching the cell membrane and triggering apoptosis (cellular death) of the adipocytes (fat cells).  Finally, the area is warmed again to stimulate blood flow and lymphatic drainage.  During this process, controlled electrical impulses stimulate the muscles to contract and relax, burning energy and toning the muscles beneath the paddles, delivering both instant inch loss and accelerating the reduction of the fat layer.

The 4D-Cryo is designed to enable flexibility in provision of treatment, delivering both large surface area treatments (e.g. whole abdomen, or both inner thighs in a single treatment) through combination of 4 “paddles”, or smaller areas (e.g. both bingo wings), all without the downsides of vacuum-assisted Cryo such as bruising and pain during treatment!

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Included in the purchase price of the groundbreaking 4D-Cryo EMS and Cryogenic Lipolysis some people refer to this as a “fat freezing machine”, you also receive a comprehensive package (detailed below) to ensure you can commence treatments as soon as you have completed training :-

Marketing Pack

  • 100 Customer leaflets (printed)
  • 2 A3 Posters (printed)
  • Pull Up Banner (printed)
  • Electronic copies of Leaflet, A3 poster and Pull-Up banner artwork
  • Before and After Treatment pictures
  • Google Adwords Keyword Table

Documentation Pack

  • Training Manual (Printed)
  • Comprehensive User Manual (Printed)
  • Medical questionnaire (in easily edited format for self-branding)
  • Client Consent Form (in easily edited format for self-branding)
  • Treatment trackers (in easily edited format for self-branding)
  • Client Guidelines (in easily edited format for self-branding)

Treatment Starter Pack

  • First Fill Of Distilled Water
  • 5L Cubitainer Of Ultrasound Gel
  • Pack Of 20 Individually Wrapped Anti-Freeze Membranes
  • PureGenex Tape Measure

Training

  • Comprehensive training for up to two people (via remote video call via Skype, or on site at the trainer’s premises for additional charge)
  • Certification of competence on successful completion of assessment

Warranty & Support

  • 12 month parts & labour warranty
  • Post-training treatment and technical support for 12 months from delivery

Delivery

  • Delivery to any mainland UK location

The new 4D-Cryo is the most powerful and flexible  combined Cryo fat reduction and EMS sculpting platform available on the market today!  The 4D-Cryo leverages the latest technological advancements to enable faster, more effective treatments than alternative non surgical fat reduction techniques.  We have also listened to the feedback from our CryoGen customers and made several key improvements to the design of the 4D-Cryo, making the treatments more comfortable and effective, whilst also making the machine more easy to use.

The Cryo Fat Reduction function :-

The adipocyte (fat) cells that are targeted by Cryogenic Lipolysis are typically rich with saturated fatty acids. These types of cells are particularly sensitive to cold, which is why this cooling technology is so effective. Other cells, such as skin tissue, blood vessels, nervous system and so on, are not so sensitive to freezing and so remain completely unaffected by this treatment. As a result, it’s perfectly safe to use and is extremely effective.

The Cryogenic Lipolysis process selectively cools the cells of the adipose layer. A process known as “Popsicle Panniculitis”. This is a dermatologic condition where exposure to low temperatures can selectively damage subcutaneous fat while leaving skin intact.  This process is also known as “Apoptosis”. Based on the premise that fat cells are more easily damaged by cooling than skin cells, Cryogenic Lipolysis was developed applying low temperatures to tissue via thermal conduction. In order to avoid frostbite, a specific temperature level and exposure is determined and transmission is ensured through the use of an anti-freeze membrane, further protecting the surface tissues.

Physicians at The Wellman Center at Massachusetts General Hospital, part of the Harvard Medical School, originated and conducted clinical trials to prove the efficacy of the process. Fatty tissue that is cooled below body temperature but above freezing undergoes localized cell death followed by a local inflammatory response, a local panniculitis, which gradually, over the course of several months, results in a reduction of the fatty tissue layer.

Through the adoption of our unique treatment protocols, your clients will achieve an astonishing 26-40% reduction in the treated fat layer within 2-3 months following treatment, in addition to the immediate re-shaping and slimming effects of the EMS technology applied by the 4D-Cryo platform.

The EMS or “Electro-Mechanical Stimulation” function :-

The 4D-Cryo also applies the latest in non-invasive body shaping and sculpting technology, known as EMS.  This uses pulsing waves of low level electrical current, delivered through the skin to the muscles, causing them to rapidly contract and relax.  This promotes strengthening and toning of the muscles, raises metabolic activity and re-sculpts the treatment area, delivering immediate results.

So, the secret to a highly profitable future is finally revealed!  It simply makes no sense to invest in separate machines when you can unify your capital investment in a single, high return, multi-function device and maximise profitability! A multiple treatment capability delivers higher client throughput, low asset idle rate & ensures rapid return on investment!

With faster treatments, you can achieve greater client throughput and obtain a dramatically improved return on your investment. Not only do these more effective treatments justify a higher price per treatment than traditional manual and chemical-based therapies, this more comprehensive, holistic approach, will increase customer satisfaction, meaning increased referral and repeat custom.

It simply makes no sense to invest in old technology? Unify your capital investment in a single, high return, affordable device such as the 4D-Cryo and maximise profitability! A faster and multiple treatment capability delivers higher client throughput, low asset idle rate & ensures rapid return on investment!

  • Innovative Combined Cryogenic Lipolysis and Electro-Mechanical Stimulation (EMS)
    • Rapid and highly effective inch loss, with immediate results and no bruising!
  • Advanced and highly configurable “thermal shock” therapy
    • Heats tissue to increase blood flow and reduce effect of cooling sensation
    • Rapid, controlled cooling is constantly monitored for safety
    • Heating at end of treatment improves client comfort
    • Heating at end of treatment also increases blood flow and lymphatic drainage, increasing efficacy
  • Flat plate delivery
    • Greatly increases treatment area targeted in single session
    • Reduced clinic time, for improved profitability
    • No vacuum, so no bruising or discomfort for client
  • EMS parallel delivery
    • Plates delivery simultaneous electrical impulses to the muscles in the treatment area
    • EMS effect increases metabolic rate, promotes blood flow and tones muscles
    • Enables instant inch loss during treatment, for improved customer perception
    • Highly controllable to deliver maximum benefit, whilst ensuring client comfort and safety
  • Our newest, most powerful platform with a wide variety of treatment capabilities :-
    • Advanced Inch Loss through reduction of the adipose tissue (fat layer)
    • Full Body Contouring – re-shape your clients to achieve their optimal goals
    • Advanced Cellulite Reduction and Leg Slimming

Along with the purchase of your 4D-Cryo, you will also receive the finest training available in the industry. This comprehensive training, for 2-3 therapists in a single session, covers the following syllabus and can be provided either remotely via video call (included), or at the trainer’s premises in West Sussex (+£500) :-

  • Biomechanical theory for the Cryogenic Lipolysis and EMS treatments enabled by the 4D-Cryo.
  • Contra-indications and how to assess these in a client prior to treatment.
  • Walkthrough of the machine, including all components, how to build the machine, generic configuration of the machine, all physical aspects of the machine
  • How to provide each of the treatments including :-
    • Client consultation
    • How to use the template forms
    • Standard treatment protocols
    • Detailed treatment guides (also serves as a baseline reference for all treatments)
    • Post treatment client care
  • A hands on practical where all trainees must conduct a consultation and full set of treatments.
  • Guidance on how to market the treatments and themselves.
  • Maintenance and after care.

Finally, a written assessment is performed to ensure each of the trainees is able to correctly respond to a selection of questions. Only trainees correctly answering these questions will receive a training certificate, so you can leave the training with the confidence you need to build a successful business when you receive your certification!

The training provided by PureGenex is of the highest quality and is always provided by an experienced technician and trainer. Indeed, our head trainer is one of the most respected and well-known technicians in the country, with a long proven history for achieving fantastic results – even plastic surgeons have referred patients to her with problems they couldn’t resolve. If you’re going to be successful, you need to learn from the best, so that’s what we commit to provide!

You will receive a formal certificate of competence to provide as evidence of your qualifications relating to the provision of treatments using the 4D-Cryo.

When you purchase any of our platforms, including the 4D-Cryo cryolipo machine from PureGenex you will receive the best after care, technical support and marketing support available in the industry. We couple our extensive experience in the inch loss and aesthetics market with an unparalleled enthusiasm, drive to succeed and desire to help you build a successful business. We employ the most experienced technicians in the industry to ensure you receive support for all your treatment and client related questions.

If you have any questions, try the Frequenctly Asked Questions tab. If you don’t find the answer to your question there, contact us for support.

Be assured that you will never speak to a faceless call-centre; you will always receive a personal and professional service from people who know your business.

6 reviews for 4D-Cryo

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  1. 5 out of 5

    Stacey (verified owner)

    Only wish we’d found Puregenex sooner

    training: In Person at trainer's premises (additional £500), Power Supply: EUR (220V 50Hz AC) x 1
  2. 5 out of 5

    Lisa G (verified owner)

    Best Fat Freezing machine you can buy! The EMS also means you have more treatment options than any other fat freezing machine. Thank you, PureGenex for the great service too.

    4D-Cryo fat freezing reviews
    training: Remote training (included), Power Supply: EUR (220V 50Hz AC) x 1
  3. 5 out of 5

    Mark D (verified owner)

    I originally only bought for the fat freezing function, but the EMS is amazing! Great price and service, thanks.

    4D-Cryo fat freezing reviews
    training: In Person at trainer's premises (additional £500), Power Supply: EUR (220V 50Hz AC) x 1
  4. 5 out of 5

    Colleen H (verified owner)

    I love my 4D-Cryo! No more customers complaining about being bruised by the fat freezing treatments. the results are better and faster too. Can’t believe the price for such a high quality and effective machine.

    4D-Cryo fat freezing reviews
    training: In Person at trainer's premises (additional £500), Power Supply: EUR (220V 50Hz AC) x 1
  5. 5 out of 5

    Sarah N (verified owner)

    Wow! What an amazing machine. I was drawn to the 4D-Cryo because it doesn’t use vacuum suction, which my customers always complained about being uncomfortable. The flat cooling plates are so much better for fat freezing and the EMS means you get instant results. Very pleased, great machine and fabulous service. Highly recommend!

    4D-Cryo fat freezing reviews
    training: Remote training (included), Power Supply: UK (220V 50Hz AC) x 1
  6. 5 out of 5

    Denise (verified owner)

    Great package and unbeatable price.

    training: In Person at trainer's premises (additional £500), Power Supply: EUR (220V 50Hz AC) x 1

Only logged in customers who have purchased this product may leave a review.

What payment methods do you accept?

We accept payment via electronic bank transfer, or via PayPal.  You can also pay using a debit or credit card via the PayPal option, without needing a payPal account, simply checkout as a guest at the PayPal screens.

Do you offer finance?

We don’t offer a payment plan or finance ourselves, but have partnered with PayPal (our payment processor) to offer their finance on purchases from the PureGenex shop.  The application process is entirely online and can be initiated during checkout (just choose PayPal as the payment option during checkout and then select “PayPal Credit” when you arrive at the PayPal payment screens).  This operates much like an electronic credit card, with 4 months interest free for purchases over £99, with payment terms being determined by you, therefore offering a quick and extremely flexible means of financing your purchase. If choosing this option, we recommend selecting full payment to ensure the full cost is included in your finance application, unless you are only planning to finance one of the two payments (deposit or balance).

Is the 4D-Cryo CE marked?

cool lipo machineYes, it is CE marked and built in ISO 9001 certified facilities according to ISO certified processes.

 

 

Is the 4D-Cryo itself FDA approved?

The 4D-Cryo implements tried and tested technologies, each of which have undergone clinical trials individually.

Cryogenic Lipolysis techniques were developed and proven by Physicians Dieter Manstein, MD, PhD and R. Rox Anderson, MD at The Wellman Center at Massachusetts General Hospital (part of the Harvard Medical School).  There have been several clinical trials and comparative studies performed since to optimise the treatment protocols.

Any claims we state are based upon results achieved during real-world treatments performed by our head trainer and other clinics that have purchased the PureCryo, CryoGen and 4D-Cryo platforms.  We have not performed true clinical trials as this would introduce significant cost (thereby drive up the price paid by the end customer to re-coup such costs) without adding any value beyond the original base technology trials.

In summary, the technology has been proven in clinical trials and we have then proven the 4D-Cryo platform and treatment approach in the real world, where real results count!  Check out our Facebook and Instagram pages to see these amazing results for yourself!

Where is the device manufactured and tested?

Is 4D-Cryo fat freezing the same as coolsculpting and lipoglazeMuch like most electronic products now (e.g. Apple iPods, iPads, etc.), we design the machines here in the UK, then have components manufactured all around the world (e.g. Mitsubishi Laser Diodes from Japan, connectors from Germany, Screens from Japan, PCBs and cases from China), with primary build processes taking place in Hong Kong and the UK.

All final testing and quality control takes place in the UK prior to delivery, so you can be assured you are receiving a British quality controlled device from a British company.

What is “Cryogenic Lipolysis”?

This is the correct and full medical term to describe the "Fat Freezing" process we apply with our 4D-Cryo treatments. The more commonly referred to term of “Cryolipolysis” is an acronym (abbreviated version) of this correct medical term and has been registered as a trademark by the manufacturers of the Coolsculpting platform, Zeltiq Inc. In order to avoid confusion and ensure the correct terminology is used, we will always refer to "Cryolipolysis" by its full and correct name, “Cryogenic Lipolysis”.

What is EMS?

EMS is the latest technology used to deliver body sculpting and shaping treatments.  Low level eletrical impulses are passed through the skin to the muscles beneath, stimulating the muscle tissue to rapidly contract and relax.  This increases metabolic activity, stimulates bloodflow and both strengthens and tones the muscles in the treated area.

Which is the best Fat Freezing machine to buy?

Are CoolSculpting, Velashape, Zeltiq, 3d-lipo and 4D-Cryo the best Fat Freezing machine to buyThe Fat freezing machines provided by Zeltiq Coolsculpting,  3d-Lipo and Lipoglaze all work in a similar manner, however results do depend on the quality of the platform and training received from each manufacturer.  We believe that we offer the highest quality product and our training is second to none.  Therefore, our results compare extremely favourably with the competition, all at an unbeatable price point!

How Does CryoGenic Lipolysis Work?

The 4D-Cryo implements the principles of a scientifically proven technique known as “Cryogenic Lipolysis”.  This is combined with the stimulating effects of EMS to also deliver toning of the muscles in the treatment area for immediate results!

  1. The area is cleaned, measured and marked to ensure optimal treatment of the areas the clients wishes to target.
  2. A protective anti-freeze membrane is placed over the treatment area.
  3. The 4D-Cryo paddles are placed over the treatment area, configured and switched on.
  4. As there is no vacuum, the client will feel no painful suction, or bruising after treatment.
  5. The Thermal Shock method begins with a gentle warming sensation, following by a cold feeling.  There will also be gentle "tingling" sensations from the EMS. This is not painful, but some clients may find it mildly uncomfortable in the first few minutes.
  6. The treatment head remains in place for 30-40 minutes, depending upon treatment area.
  7. Immediately following treatment, the 4D-Cryo paddles and protective membrane are removed, then the area is massaged for 2 minutes. This improves blood flow and lymphatic drainage, thereby maximising the efficacy of the treatments.

Is Cryogenic Lipolysis better than Laser Lipo?

Both Cryogenic and Laser Lipolysis deliver outstanding inch loss and body contouring capabilities, so how do you choose which technology would work best in your business?

Laser Lipo is based on the use of Laser light energy to stimulate the inch loss process.  This has the following benefits compared to Cryogenic Lipolysis :-

  • Delivers immediate inch loss results
  • Treats a larger area during a course
  • Promotes skin tightening

Cryogenic Lipolysis (also known as "Fat Freezing"), leverages the principle of popsicle apoptosis to cause the death of fat cells with a single treatment.  This has the following benefits compared to Laser Lipolysis :-

  • No exercise required after treatment
  • Can treat directly over tattoos without the risk of fading the tattoo
  • Once in remission for more than 2 years, Cancer is no longer a contra-indication for Cryogenic Lipolysis
  • The 4D-Cryo brings the latest innovation incorporating EMS into the same treatment for immediate results!

Therefore, the decision is primarily determined by your target market.  Ask yourself the following questions and then look below for the best fit for your business :-

  1. Do most of your clients have tattoos?
  2. Your clients do not want to exercise?
  3. Is there a high rate of ex-Cancer sufferers in your target market?
  4. Are clients prepared to wait for the inch loss results to be achieved naturally (without the need to exercise)?

If your answers were mostly "Yes", the 4D-Cryo with its Cryogenic Lipolysis inch loss function is more suited to your market.

If your answers were mostly "No", you should definitely consider our amazing 4D-Sculpt platform with our new 4-D Cavi Inch Loss, are more suited to your market.

If you are still unsure, please contact PureGenex to discuss your options.  We offer discounted packages for multiple machine purchases, so your best option may be to purchase both platforms and be in a position to deliver treatments to meet any client’s needs.

Is training included?

Yes, full training is provided by one of the most experienced and well known practitioners in the UK!

What should I do if I have a question or problem after training?

If you have any questions or problems, you should contact PureGenex.  All machines are supplied with a 12 month warranty, which includes technical and treatment support from highly experienced practitioners.

Is 4D-Cryo the same as CoolSculpting?

The fat freezing treatments provided by the 4D-Cryo are also provided by Zeltiq Coolsculpting, 3d-lipo and Lipoglaze, but does this mean that they are different or are their similarities?  These brands all offer Cryogenic Lipolysis treatments, applying the same, clinically proven, methodologies within their platforms, but ONLY the 4D-Cryo delivers this ground breaking inch loss and contouring therapy using our advanced flat-plate cooling and EMS technology and proven treatment protocols to deliver results faster, has significantly improved custoemr comfort and less bruising, enabling faster return on investment.

Also, ONLY the 4D-Cryo provides the option to further expand your treatment capability with innovative EMS functions for body sculpting and toning!

Do any of the treatments hurt?

Immediately after a 4D-Cryo Cryogenic Lipolysis and EMS  treatment, redness, soreness, tingling and numbness of the skin over the treated fat layers in very rare cases, lasting a few weeks at most. As there is no vacuum suction used with our ground-breaking flat-plate cooling technology, the risk of bruising is significantly reduced. These side effects do not occur in every case, and vary from one patient to another. In the vast majority of cases, all side effects sub-side completely within 2-3 weeks following treatment.

What are the potential side effects and risks?

Whilst it is considered generally very low risk and non-invasive, any treatment carries with it some level of risk of potential side effects, which you should consider before electing to undergo treatment. The most common side effects of 4D-Cryo combined Cryogenic Lipolysis and EMS treatments are :-

  • Mild oedema or redness
  • Tingling or numbness
  • Inflammation or swelling
  • Loose bowel or runny stools

Very rare side effects would include :-

  • Freezer burn to the surface of the skin
  • Permanent loss of sensation on the surface of the skin
  • Bruising and tenderness

We are aware of reports that, in very rare cases, there have been recorded incidents of less than 1 in 20,000 people treated with generic Cryogenic Lipolysis (such as CoolSculpting), resulting in an increase in the size or number of fat cells, a condition known as “Paradoxical adipose hyperplasia”.  As the 4D-Cryo uses flat plates, so there is no vacuum, alongside EMS, the temperatures used to achieve the therapeutic objective are higher (warmer) than traditional vacuum-based Cryogenic Lipolysis treatments, reducing the risk of side effects.  To date, we have no reported cases of “Paradoxical adipose hyperplasia” occurring as a result of treatment with the 4D-Cryo platform, but this is a recognised risk of any Cryogenic Lipolysis treatment, which you must consider when choosing the treatment that best suits your needs.

Unfortunately, although PureGenex design our platforms and training to optimise client results, whilst taking all possible precautions to maintain safety, there is no such thing as an entirely risk free treatment, so your customers must take this into account when considering any treatment.  Final results can never be guaranteed, as individuals can react differently to treatment and there are external factors that can affect the outcome of treatment.

Do clients need to exercise after inch loss treatments?

Unlike all other inch loss technologies, Cryogenic Lipolysis actually causes the destruction of the fat cells, so there is no need to burn off the released contents, they are broken down and disposed of by the body’s natural processes.  However, for optimal results and to ensure retention of results, it is strongly recommended that the client be participating in a healthy diet and exercise regime / lifestyle.

How long does it take for the results of Cryogenic Lipolysis to show?

The combination of Cryogenic Lipolysis and EMS applied by the 4D-Cryo platform can deliver immediate inch loss results during treatment.  Best results are obtained through application of two treatment sessions on the same area, 2-3 weeks apart.  Final inch loss results will be evident within 4-6 weeks, with optimal results being achieved between 8-12 weeks following the first treatment.

How much inch loss should be expected from a single treatment?

Clients should expect to achieve 26-40% reduction in the fat layer, of the area treated, with a single treatment. Combining treatments with a healthy diet and lifestyle will further improve these results.

What should I charge for treatments?

This depends on many factors, including the amount of competition in your area, the treatments you are providing and the type of population in your target market.  However, at PureGenex, we have developed the 4D-Cryo to give you access to the highly profitable and rapidly growing market of both "Fat Freezing" inch loss and the latest body sculpting and toning innovation, EMS. This is available with minimal investment removing the traditional barrier to entry, whilst giving you machines and support of the highest calibre.

Are the treatments safe?

Yes, the treatments enabled by the 4D-Cryo are extremely safe and completely non-invasive.  The Cryogenic Lipolysis process was invented by doctors at the Harvard Medical School and has undergone examination and assessment by several medical bodies, including obtaining FDA approval!  You will also be provided with industry leading training to ensure you are confident and competent to provide the treatments.  Also, with the application of our flat-plate cooling technology, alongside EMS, client comfort, safety and rapid results are central to your capbilities enabled by the 4D-Cryo.

Are there any pre-requisites for training?

There are no pre-requisites to undertake the training, or to provide treatments using the 4D-Cryo.  Our training will provide you with all of the information and support needed to safely perform treatments and a certificate of competence, which is proof that you have been adequately trained by the supplier (us) in the safe use of the machine, as some insurers will ask for this.  The requirements for insurance policies vary greatly between different companies, however.  Some will require Beauty Level 2 or 3 and / or Anatomy & Physiology Level 2, or in some cases the therapist must hold a recognised medical qualification for the 4D-Cryo (CryoGenic Lipolysis and EMS treatments), whereas other insurers will simply accept our training.

These are not regulatory requirements, they are arbitrary requirements applied by underwriters as a means of managing their own risk, however.  Unfortunately, the particular position of individual underwriters changes without notification to us, so we are unable to track this.